Cenco eNews
Helping Agents Succeed Since 1978
August 9, 2022

More Control
With Forethought’s ForeCare

Whether your client wants to receive care at their home or at an assisted living community.  ForeCare affords them more control to choose the best option for them.

And unlike a traditional long-term care product, with ForeCare, any remaining contract value not used for long-term care expenses (or withdrawn for other purposes) can be passed to beneficiaries as a death benefit.  Access the ForeCare Calculator…

AU+ Is Now Available For AIG’s QoL Advantage Program

To qualify for the QoL Advantage Program, policies must be applied for at the same time, and applications must be submitted on iGO full eApp.  Pending requirements in Connext will indicate base and additional applications, as well as where to find underwriting details.  Read more…

Protective Is Committed to Your Business – And Lower Prices!

Protective has lowered their Protective Classic Choice term prices again.  And with longer term periods, more flexibility and faster technology, they are also making short-term business easier and more innovative.
  • Lower prices put Protective in the Top 3, 85% of the time and with the most recent reprice, they secured the #1 spot 63% of the time for monthly pay scenarios.
  • 35 and 40 year terms periods make Protective one of only three carriers in the market to have level term coverage for up to 40 years.
  • Using Protective Velocity will make submitting business fast and hassle free.

Hot QoL Value+ Protector III Upgrades

AIG’s low cost, life expectancy guarantee protection product offers improved target premiums and product performance, new Return of Premium rider and an added proprietary index option.  See the top reasons to consider the QoL Value+ Protector III IUL in the Product Highlights…

The QoL Max Accumulator+ III’s new version is not available in California currently.  For more information read the bulletin…

Cenco Website Tip Of the Week – “Quote and Apply”

Check it out now at

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 – 3.40%
  • A Top 3-year rate – 4.10%
  • A Top 4-year rate – 4.15%
  • A Top 5-year rate – 4.25%
  • A Top 6-year rate – 4.25%
For more information and carrier details contact David Bennis or any of your Cenco support team.

DI Did You Know

DI Retirement Security

DI Retirement Security is a solution to help employees continue to save for retirement if they become too sick or hurt to work.

How it works:
  • Cost of coverage:  The employee pays the premiums
  • Benefits:  The carrier makes monthly deposits that are invested in an irrevocable trust on your employee’s behalf.
  • Pay-out: At the end of the benefit period, your employee receives the trust assets
Watch for our next Cenco DI News on DI Stats to Motivate Clients, and You.

Carrier Incentives

Travel the World With Cenco!

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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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