Cenco eNews
Helping Agents Succeed Since 1978
September 20, 2022

AIG’s Improved Products
Are Better Together!

Show clients how combining Term and Permanent life insurance can help protect against financial risks now, and potential financial risks in the future. And with the recent improvements on both AIG’s Term and IUL products, it’s the best of both worlds. Read more…

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 

Product and Carrier Features Database For Both Life and Annuities For Multiple Insurers

With Cenco’s product features database you can have everything you need for a number of insurers at your fingertips like insurer ratings, state approvals, special features and options, risk classes and more.
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 – 4.05%
  • A Top 4-year rate – 4.10%
  • A Top 5-year rate – 4.25%
  • A Top 6-year rate – 4.65%
For more information and carrier details contact David Bennis or any of your Cenco support team.

DI Did You Know

New Markets To Grow Your DI Sales

The need for an income protection plan is not just for the Executive, Doctor or Attorney earning in excess of $150,000. Average everyday working people are just as dependent on their income to provide for themselves and their families as anyone in those higher tax brackets.

Your opportunities are endless. Reach out to your clients, friends, or family. Ask if they have an income protection plan in place should they get sick or hurt. You can offer them an affordable plan to protect them and their family. The premium for a 35 year old Female Dental Hygienist for $2,500 monthly benefit is only $55.52 per month. A 40 year old Male Insurance Agent can purchase $4,000 monthly benefit for $60.28 per month.

Discuss income protection insurance with all your prospects and clients because they may not understand the risk of losing their income should an injury or an illness strike.

Watch for our next Cenco DI News on “An Easier Way To Get Business Owners Attention”

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

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