Cenco eNews
Helping Agents Succeed Since 1978
June 7, 2022

It’s True - Protective Repriced Again!

Protective is excited to announce they have lowered their Protective Classic Choice term prices once again.  And with longer term periods, more flexibility and faster technology, they are also making short-term business easier and more innovative.  Read more…

Income For Life Rider - The Name Says It All!

With the Income For Life rider on Max Accumulator+ II, your clients can enjoy an extra cushion to help cover expenses or be well-prepared for a long retirement.

Here is how this rider may add value to your business:
  • Cash value from the policy can be used to guarantee a stream of payments.
  • Optional annual adjustments to help offset cost of living increases.
  • No additional cost to add this rider to the policy!  Just a one-time charge deducted from the account value when the rider is activated.

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…

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 – 2.75%
  • A Top 3-year rate – 3.50%
  • A Top 4-year rate – 3.65%
  • A Top 5-year rate – 3.85%
  • A Top 6-year rate – 4.30%
For more information and carrier details contact David Bennis or any of your Cenco support team.

DI Did You Know

Return of Premium DI

Mutual of Omaha’s “Mutual Income Solutions” is now available in California!  This industry leading product offers extreme flexibility.  Key Features include:
  • Two Return of Premium options!
  • True Own Occ
  • Simplified underwriting
  • Stackable discounts for:
    • Business owners (15%)
    • Multi-life (10%)
    • Association (15%)
    • Two person household (10%)
  • E-Application and E-Delivery process
View the consumer brochure…

Carrier Incentives

Travel the World With Cenco!

Cenco's Agent Website
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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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