Cenco eNews
Helping Agents Succeed Since 1978
July 7, 2021

Just In Time For Summer!  QoL Max Accumulator+ II Is Getting Enhanced!

Congress passed the Consolidated Appropriation Act (CAA) at the end of 2020 which contains a provision that affects life insurance under Section 7702 of the U.S. Internal Revenue Code.  New interest rates used to calculate the guideline and modified endowment premiums have been lowered effective January 1, 2021.  AIG is making updates to QoL Max Accumulator+ II beginning July 17, 2021 to comply with these changes.  Read the bulletin…

Agile Underwriting+ (AU+): Fast Decisions For Fast-Paced Lives

Did you know that AIG has AU+, a streamlined underwriting process for their permanent products? QoL Max Accumulator+ II and QoL Value+ Protector II offers our AU+ program for clients who are aged 50 or younger and whose initial death benefit is $1,000,000 or less.  AU+ consists of a vendor completed tele-interview where the client may receive an offer without exam, labs or APS!  Read more…

New QoL Flex Term Rates Are Coming In HOT For Summer!

As of June 28, 2021, QoL Flex Term is getting repriced in all states.  The premium changes are a mix of increases and decreases, and some cells will be left unchanged.  Get all the sizzling details…

Top 11 Reasons For Transamerica’s Financial Foundation IUL

There are many index universal life options out there, but only one FFIUL.  Here are 11 reasons why Transamerica Financial Foundation IUL can help set you apart from the competition…

Annuity Tip Of The Week

The Certainty of Protected Lifetime Income

Do your clients know how to make the retirement savings you’ve helped them build last for a 30+ year retirement?

And are they prepared for increased living costs?  Show them how they could reposition a portion of their portfolio into fixed income annuity’s optional riders to add more certainty to their retirement strategy with one of three new income playbooks.  Get your income playbooks here…

Cenco Website Tip Of The Week 

Carrier and Product Features

Are you tired of:
  • Having to go to different carrier websites to look up individual product benefits and features?
  • Being unable to get competing product information if you are not contracted with an insurer?
With Cenco’s website product features section you can see:
  • Insurer ratings and state approvals and availability
  • Issue ages, minimum and maximum issue amounts, riders, special features and options
  • Risk classes, underwriting, policy charges, surrender periods
  • Crediting rates, Caps, index strategies, participation rates, guarantee periods, MVA’s
  • Product applicability and sales use descriptions
Check it out now at

DI Tip Of The Week

The Value of Modified Offers

Applying for individual disability insurance is the right choice, whether your clients are interested in personal or business disability insurance or are looking to maximize their existing disability coverage.  When they apply for this coverage, they hope their application will be approved with the benefits they applied for.  Sometimes, however, this is not possible.  In cases such as these, the carrier might present a modified offer of coverage instead.  Find out more…

Carrier Incentives

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Contact the CENCO TEAM:
Erik Sjolie, Cathy Martin and Brianna Solano

Cenco Insurance Marketing Corporation
1501 El Camino Ave, Suite 1
Sacramento, CA 95815

Phone: (916) 920-5251
Fax: (916) 920 8734

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Cenco Insurance Marketing Corporation · 1501 El Camino Ave., Suite 1 · Sacramento, CA 95815 · USA

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