Cenco eNews
Helping Agents Succeed Since 1978
September 13, 2022

Protective’s Term Reprice Alert!

Protective has lowered their Protective Classic Choice term prices once again. They have maximized the value that a term solution can offer clients to help them secure what matters most.  Read more…

Go BIG With QoL Flex Term Upgrades!

Effective August 29, 2022, AIG has made several big upgrades to QoL Flex Term:
  • Higher Commission – on all 18 durations of QoL Flex Term
  • Better Term Rates – Over 96% of cells have lower monthly premiums
  • Lower Monthly Modal Factor – Decreased down to 0.0845
Read more about the upgrades and then check out the competition premium comparison analysis.

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

To qualify, 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…

Cenco Website Tip Of the Week

XRAE Field Underwriting Tool

Save time and eliminate the need to contact numerous insurers to evaluate how a client may be rated.
Check it out now at

Annuity Corner

Are Short Term Multi-Year Guaranteed Annuities (MYGA’s) Better Than Bonds?

Many financial advisors think so, but more importantly more consumers than ever before are diving into MYGAs.

MYGA sales are at record levels and with tax deferred fully guaranteed interest rates often exceeding taxable bond fluctuating returns, a lower minimum necessary deposit and with duration choices of 2,3,4,5,7 and 10, more clients of agents are choosing to buy MYGA’s.

Don’t miss the chance to solidify your client relationships with the best MYGA rates including
some recently updated California rates:
  • A Top 2-year rate – 3.40%
  • A Top 3-year rate – 3.90%
  • A Top 4-year rate – 4.10%
  • A Top 5-year rate – 4.25%
  • A Top 6-year rate – 4.35%
For more information and carrier details contact David Bennis or any of your Cenco support team.

DI Did You Know

All Disabilities Can Fit Into One Or All Of the Following Categories:
  • Loss of Use – Presumptive: permanent loss of eyesight, hearing, use of hands 
  • Loss of Ability – Total: inability to perform substantial and material duties of one’s regular occupation
  • Loss of Income – Partial:  Loss of income due to inability to do all duties, or ability to do some duties for less time or less effectively
The majority of disability claims are partial in nature.  It is important to always include a partial benefit or residual benefit whenever recommending income protection for your clients.

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
Toll Free: (800) 45-CENCO
Fax: (916) 920 8734

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