Cenco eNews
Helping Agents Succeed Since 1978
September 21, 2021

Tell The IUL Story, Short and Sweet!

Telling the Index Universal Life story and explaining how it works to clients can sometimes be a lengthy and complex conversation.  Increase your efficiency with AIG’s Life with Confidence digital tool that can help you simplify the IUL story in minutes!

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!

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

Offer Clients Guaranteed 7.0% Income Credits Each Year Prior To Activating The Lifetime Income Benefit

Help clients generate more income for retirement with the Power Select Plus Income Index Annuity issued with the Lifetime Income Plus Flex guaranteed living benefit rider.  Clients can secure an Income Base that is guaranteed to increase by 7.0% each year before the rider has been activated.  And when they’re ready for income, they can count on up to 6.80% withdrawals for life, depending on whether one or two people are covered and their age at the time of the first lifetime withdrawal.

Cenco Website Tip Of The Week

Carrier and Product Features

Are you tired of:
  1. Having to go to different carrier websites to look up individual product benefits and features?
  2. 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, 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

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!

Carrier Incentives

Travel the World With Cenco!

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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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