This Summer, Make A Splash With NEW QoL Flex Term Rates!
Effective May 23, 2022 there will be premium rates changes which will consist of a mix of increases, decreases with some cells left unchanged in all states.
Here is where QoL Flex term is especially refreshing:
- Face amounts $250K to $500K
- $500K to $1M for the 10-year duration
- Face amounts of $1M+ for the 15-year duration
- Standard Non-Tobacco rates for the 20-year duration with face amounts $500K
Read the Bulletin and check out this PowerPoint…
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Looking For More Growth Potential To Help Offset Inflation?
Show clients how a Power Series Index Annuity can help address record-low fixed income rates and increasing costs with the opportunity for more growth, income, and protection against market downturns. Read more…
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Midyear Cash Bonus!
Agents earn $500 for every 5 paid policies, with up to $25,000 in cash bonuses available per agent. Clients get the fast affordable term life insurance coverage they need, and agents get a little something extra too. Clients apply with no medical exam, no waiting around, and no case management required.
Contact Cenco for more information.
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Annuity Corner
MYGA Rates Keep Rising! Don’t Miss Out!
Help your clients safeguard their savings and investments:
- With some bank CD and money market taxable interest rates near 1% or less and
- The stock market dropping, the rush for safety is starting again
Help save your client’s savings with MYGA’s (Multi-Year Guaranteed Annuities). Some recently updated California rates include:
- A Top 2-year rate – 2.85%
- A Top 3-year rate – 3.45%
- A Top 4-year rate – 3.70%
- A Top 5-year rate – 4.17%
- A Top 6-year rate – 4.30%
For more information and carrier details contact David Bennis or any of your Cenco support team.
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DI Did You Know
According to the Life Insurance Marketing and Research Association (LIMRA), 52% of Americans own life insurance but ONLY 14% (down from 31% in 2012) own disability insurance.
This creates an amazing opportunity for Advisors! DI is most-likely undersold because clients don’t know much about it. However, once a client realizes that life insurance pays benefits to beneficiaries while DI pays benefits directly to the client, DI should be an easy sale.
More DI Fun Facts
- 66% of all US bankruptcies are tied to medical issues.
- 33% of SSDI claimants’ applications were approved between 2007-2016.
- 90% of all LTDs are caused by illnesses rather than accidents.
- 68% of US employees live paycheck-to-paycheck, without enough savings to cover living expenses during a disability.
- $1,277 – the average monthly benefit paid by SSDI in 2020
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Carrier Incentives
Travel the World With Cenco!
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