Cenco eNews
Helping Agents Succeed Since 1978
October 26, 2021

In These Uncertain Times…
How Are Your Clients Thinking
About Risk?

Global Atlantic recently commissioned a study of 1,000 consumers, aged 59 to 75, with investable assets of at least $250K to help them better understand how people are thinking about risk.  They found:
  • The pandemic has caused respondents to focus on their finances, with a majority (66%) working with a financial professional.
  • Over 70% are worried about inflation.
  • Most feel frustrated by interest rates as they struggle to save for retirement.
Review the study highlights…

Life Moves Too Fast!

We live in a world that’s increasingly focused on instant gratification.  A perfectly brewed cup of coffee with a simple press of a button or a shopping spree with a few clicks from the comfort of your own home.  For life insurance, we are also speeding up the underwriting process to help clients get the protection they need FAST – through Agile Underwriting+ (AU+) available on AIG’s IULs.  Watch this AU+ video…

What Can $3-A-Day Do For You?

Permanent life insurance can be an important part of your client’s overall financial plan. Once they understand that, helping them see the difference between paying the minimum amount of premium versus adding just a few extra dollars a day can set your clients up for a brighter future.

Share with clients how just $3-a-day can pump up cash value and tax-free supplemental retirement income in an Index Universal Life policy. Read more…

A New Agent Incentive

North American is offering an incentive for new agents to earn up to an additional $1,500 with their first 3 FIA cases! Here are some general incentive guidelines:
  • Agents must use the eApp
  • Business must be submitted prior to 12/31/2021
  • Minimum case size is $50K
  • “NEW” agent refers to any agent who has not been contracted with North American and not submitted business in 2020 or 2021
  • $500 will be paid after each policy issues (up to 3 for total of $1,500)
Stay tuned for more information.

Annuity Tip Of The Week

How To Prepare for Life’s Unexpected Turns

ForeCare fixed annuity helps defray long-term care costs without destroying retirement savings.  ForeCare combines traditional fixed annuity features with additional benefits available for long-term care costs.  The combination helps to prevent asset erosion of your client’s wealth and your assets under management (AUM) due to long-term care needs.

ForeCare offers your clients an effective way to help address the most serious threat to their retirement savings – the likelihood of needing long-term care services.  Read more…

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

The Need for an Income Protection Plan

The need for an income protection plan is not just for the executive, doctor or attorney earning in excess of $150,000.  According to the United States Census Bureau, the average annual income was $51,017 from all occupations.  Everyday working people (Middle Americans) are just as dependent on their income to provide for themselves and their families as anyone in those higher tax brackets.

The opportunities are endless – reach out to your existing clients, friends and family – ask if they have an income protection plan in place should they get sick or hurt.  You can offer an affordable plan to protect them and their family.  Most life insurance agents, health insurance agents and P&C brokers are not talking to their clients about income protection and how affordable it can be.  You can differentiate yourself as an advisor just by offering this valuable coverage to your clients – coverage that likely no one has spoken to them about previously.  
Call Cenco today and let us help you design your next DI case.

Carrier Incentives

Travel the World With Cenco!

Cenco's Agent Website
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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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