AIG is repricing QoL Value+ Protector II, effective May 15, 2021, due to the impacts of low interest rate and spread, especially on younger ages. In addition, the Cash Value Accumulation Test (CVAT) interest rate is updated to meet the new IRC 7702 requirements. If you have pending QoL Value+ Protector II applications in process you need to have them to the home office by May 14th to receive the old rates! Read more...

Coming Soon! Dollar Cost Averaging Rider Enhancement
With all the exclusive riders that AIG Partners offers on their permanent products like the Select Income Rider, Accelerated Access Solution Rider, and Lifestyle Income Solution Rider, now beginning May 15, 2021, there is an ENHANCED Dollar Cost Averaging (DCA) Rider that will be available on all new business, QoL Max Accumulator+/QoL Max Accumulator+ II and QoL Value+ Protector/QoL Value+ Protector II products issued on or after June 2018. This flexible rider can be utilized and allocations customized, at any time and will impact the amount of interest a policy earns at no additional cost. Read the bulletin and DCA Rider Highlights...

Transamerica Launches New Expanded Nonmedical Guidelines!
Transamerica retired COVID-19 Underwriting Guidelines and launched new, expanded nonmedical guidelines for Trendsetter LB, Trendsetter Super Series and Transamerica Financial Foundation IUL. Read more...

Back By Popular Demand, We Have Extended The Time Period To Earn Valuable Gift Cards Or Treats Just for e-Submitting New Applications!
As previously announced, to celebrate the recent launch of Cenco's multi-insurer e-application website feature, Cenco wants to reward you!

Now until Memorial Day, May 31st, for every IGO e-application you complete using Cenco's "Start an E-App" website tool, you will earn your choice of either a $10 Amazon, Peet's or Starbucks' gift card, and you can continue to earn several of each by doing multiple applications.

Check it out today by selecting "Start an E-app" at www.cencoinsurance.com!

Rules: To qualify, an e-application must be completed and submitted "in good order" (IGO) and accepted by each insurer for processing "in good order".

Annuity Tip Of The Week: ForeCare Helps Maximize Fixed Annuity Dollars For LTC Needs
Affording long-term care (LTC) is a large concern for Americans, especially now during a global pandemic. In order to help pay for those future LTC costs, Americans might be planning to rely on annuity withdrawals that may be taxed, even if used for LTC expenses. The ForeCare fixed annuity with LTC benefits, allows consumers to use their tax-deferred dollars for qualified long-term care expenses which are typically federal income tax-free. Read more...

Cenco Website Time Saving Byte Of The Week - Quote And Apply

• Do term and NLG quotes for several insurers on one website
• Prepare multiple comparisons or self or client presentation
• Then apply right there directly from the quote
• Save, redo and manage all of your quotes on your (own) dashboard 24/7
• Choose regular or accelerated underwriting

DI Tip Of The Week
May Is Disability Insurance Awareness Month and there is no better opportunity to discuss DI with your clients!! Disability conversation can be awkward because they are about tough and scary times. Vision loss from diabetes, stroke, a cancer diagnosis, back injuries, depression...the list goes on and on. People don't like to think about the bad times but the reality is - it happens every day. How will your clients handle them? Check out the flyer from the Council for Disability Awareness for information and statistics to help your clients understand the need for DI.

Carrier Incentives: Travel the World With Cenco!

• Travel with AIG Partners Group to Kimpton Seafire Resort & Spa, Grand Cayman for the 2022 Leaders Development Conference
• Travel with Global Atlantic/Accordia to Grand Velas and Los Cabos, Mexico for the 2022 Leaders Club
• Travel with Transamerica to Montage Healdsburg, A Refined Wine Country Retreat in Healdsburg, California for the Transamerica 2022 Convention
• Travel with Ameritas to the Greenbriar Resort in White Sulphur Springs, West Virginia for the 2022 Leaders Conference
• Travel with Ameritas on a Danube River Cruise for the 2022 Summit Conference