Cenco eNews
Helping Agents Succeed Since 1978
July 20, 2021

AIG Has Not Shied Away From Smokers As Most Other Carriers Have!

The QoL Flex Term June 2021 reprice decreased premiums to become more competitive.  Take a look at the QoL Flex Term: Competitive rates for tobacco rated cases and see how they compare to other carriers…

AIG’s New AAS Supplement Report Now Available in WinFlex!

This new functionality provides you the option of illustrating the benefit payout of the Accelerated Access Solution (AAS) chronic illness rider, available on the QoL Max Accumulator+ II and the QoL Value+ Protector II products.  Read more…

The Enhanced Fast Lane Accelerated Underwriting Program You’ve Been Waiting For!

Accordia is excited to announce that they have upgraded their Fast Lane Accelerated Underwriting program for clients aged 56-60 to be eligible for up to $1 million of coverage!    Read more…

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…

Annuity Tip Of The Week

The Certainty of Protected Lifetime Income (That Could Rise)

The average cost of a single meal out today is $13.  But 30 years from now, it could be $40 – without a tip.  When the time comes, will your clients be able to pay the bill with their fixed income?

Show them how they can use a portion of their portfolio to build a source of protected lifetime income that may increase even after their income payments start.

DI Tip Of The Week

Buy/Sell Disability Insurance

Buy/Sell Disability Insurance is important coverage for many business owners and partnerships.  It can pay monthly or lump sum proceeds to business owners who need to buy out a permanently disabled partner.  Most clients will understand the value in Buy/Sell – making it a fairly straight forward sale.

When pitching Buy/Sell, don’t forget to discuss waiting periods.  Buy/Sell policies typically have a 12+ month elimination period – meaning benefits will not be available until the partner has been permanently disabled for one year.  Your client will need to have savings or other assets available to keep the business running during the waiting period.  When Buy/Sell coverage tag teams with Key Person Disability Insurance, your client will have the necessary funds to keep the business running.  This DI dynamic duo works hand-in-hand to protect your client’s business and their paycheck.

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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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