Cenco eNews
Helping Agents Succeed Since 1978
December 7, 2021

Something Exciting Is Here For Agile Underwriting+!

The following changes to AIG’s Agile Underwriting+ Program are effective as of December 4, 2021:
  • More quick sales! AU+ brings fast decisions for ages 59 and under (increased from age 50)
  • Double the coverage!  AIG is increasing the face amount from $1 million to $2 million
  • Flexible options!  Agent-completed Part B is back!  Fort up to $1 million death benefit, you can choose between vendor tele-interview or complete the Part B on your end for cases submitted through iGO full eApp
  • Attractive IULs! AU+ continues to speed up QoL Max Accumulator+ II and QoL Value+ Protector II cases.
See the bulletin for guidelines…

AIG Wants To See More Term Sales In Your Future

So they are bringing out the best in Term!  What makes QoL Flex Term a cut above the rest?  They have lowered the monthly modal factor that puts them among the top term products in the market today.  A few top reasons to sell are:
  • QoL Advantage offers clients policy fee and banding discounts on term policies.
  • Quote instantly with Rapid Rater
Read more…

It’s The Most Wonderful Time For A Holiday Bonus!

Submit a term application application between 11/1/2021 and 12/31/2021 and receive a $25 bonus and make a term sale and receive a $125 bonus for a total of $150. And do it all electronically with no travel and no meetings!

In the past few weeks Cenco’s Special eNews editions have included offers to show you how to create term sales totally online with:
  • No submitting or processing paper or e-applications
  • Immediate on-line underwriting
  • Issuance within minutes, not days or weeks
  • An A+ insurer
  • 10, 15, 20, 25 and 30 year term options
  • Full commissions
Contact Cenco for more details at 916/920-5251 or 800/452-3626.

Annuity Tip Of The Week

A Simple and Certain Way to Convert Savings to Guaranteed Income

Much like an employment paycheck, clients’ retirement income must meet both essential and lifestyle needs.  To sustain life in retirement, essential needs – like housing, food and medical care – should be covered first and typically require reliable income.

ForeCertain, a single-premium income annuity, can help clients meet their essential needs by using their savings to purchase a guaranteed income stream.  It’s simple and certain.  They simply pay one premium and receive income certainty.  Nine income options are available to provide single- or joint-life income for lifetime or period-specific needs.  Read more…

Cenco Website Tip Of The Week

Immediate “XRAE” Pre-underwriting

XRAE does what no human being can:
  • Perfectly matches client conditions to thousands of specific underwriting rules multiple insurers
  • Then determines “best case” underwriting classification, in less than one second
  • Determines the most likely approvable rate class
  • Displays your results from multiple carriers on a single screen
  • Allows you to create a quote just like you can do in our Quote search engine
Check it out now at

DI Tip Of The Week

Ameritas Offers Two Great Programs

Ameritas offers two great programs that can help your business owner clients save money and get more coverage
  • The Business Owner Upgrade Program gives your clients the ability to upgrade ONE or TWO occ classes – typically increasing the monthly benefit amount and benefit periods they are eligible for.  An occ class upgrade can also change the definition of disability and the availability of riders.
  • The Income Enhancer Program allows an increase in your clients’ insurable income by an additional 20% to help business owners cover the loss of company perks.  For example, a client grossing six figures but only nets $80,000 can bump up his/hear insurance income to $96,000 with the Income Enhancer.
Check out the Ameritas flyer…

Carrier Incentives

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Contact the CENCO TEAM:
Cathy MartinBrianna Solano and David Bennis

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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