Cenco eNews
Helping Agents Succeed Since 1978
September 14, 2021

Let’s Make Underwriting As Easy As Possible!

September is Life Insurance Awareness Month.  It’s time to raise your awareness of what Accordia’s underwriting programs can do for you.
  • UnderRight Life – See if your client qualifies for Fast Lane, get a rating class estimate or connect with an underwriter for questions on complex cases.
  • Fast Lane Underwriting – The easier, smarter, faster way to get your client a life insurance offer, possibly without medical exams or telephone interviews.
  • Life Credits – A robust, proprietary rate personalization program that allows a proposed insured’s favorable health factors to improve underwriting offers.  Get started now….

Life Doesn’t Stand Still. Neither Should Your Client’s Life Insurance Coverage

Any client can and should benefit from a policy review every three to five years, as well as following any major lifestyle changes.

The Policy Review Playbook is here to assist – it includes how to identify the ideal clients, customizable client check-in materials, helpful calculators and much more!

Reprice Announcement For Protective Advantage Choice UL

Effective September 8, 2021, Protective Advantage Choice UL will be repriced. The slight rate increase helps them accommodate the current interest rate environment and continue to offer this competitive solution.  While prices are changing, Protective’s commitment to the GUL market and meeting clients’ needs remains the same.  Read more…

Transamerica Launches Their New TransMatch Program!

The TransMatch program may provide up to and including $1 million in additional coverage for your clients with Transamerica, using their recently expanded nonmedical underwriting.  Under this new program, individuals who’ve been approved standard or better in the past 12 months by a company on their list of approved carriers may be eligible for a Trendsetter Super, Trendsetter LB or Financial Foundation IUL.  It’s part of their commitment to making a smarter, seamless, and simplified way of doing business.  Read more…

Annuity Tip Of The Week

People Are Talking About In-Home Care.  But Do Your Clients Know How They Will Pay For It?

With COVID-19, the importance of home health care has been driven to the forefront as never before.  With 90% of married couples aged 65+ eventually needing some form of long-term care (LTC), do your clients know how they will pay for their own LTC expenses?  

Help your clients protect their retirement assets with ForeCare – a fixed annuity that can double or triple their money for qualified LTC expense on contract day one.  Get your LTC Playbook here…

Cenco Website Tip Of The Week


  • Submit your e-applications for any of multiple insurers on one website
  • Auto-transfer information from Quotes to E-applications
  • Check status of all your submitted cases 24/7
  • Makes E-application signature process a snap
  • Obtain application forms for any of many life insurers
  • View your apps from input to completion on your own secure “My Cases” dashboard
Check it out now at

DI Tip Of The Week

Avoid the “Sticker Shock” With Disability Income Sales:

The general rule for the amount a client should spend on their Income Protection plan is 3% or less of their annual income.  To keep premiums low:
  • Adjust both the Benefit Amount and Elimination Period
  • Lower the Benefit Period
  • Create a mixture of Base Benefit and Social Insurance Supplement coverage
  • Choose only the riders that will actually benefit a client
Call Cenco to discuss the best options.  We are here to help!

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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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