Cenco eNews
Helping Agents Succeed Since 1978
September 27, 2022

Cenco Announces Exclusive Temporary Bonus For AIG Partners Group/Corebridge Producers 

To further commemorate the positive AIG to Corebridge accounts, in addition to the recent 5% commission increase for AIG Partners QoL term products, Cenco is offering a temporary ANNUALIZED 5% of premium commission bonus on QoL Max Accumulator+ and 4% on QoL Value+ Protector for paid and placed life policies.

The bonus will be paid for any American General Partners Group QoL Max Accumulator+ or QoL Value+ Protector IUL paid policy with an application date of October 1, 2022 and issued and placed with the agent commission paid by December 31, 2022

  • Commissionable UL annualized Target Premium (TP) (aka WP) excluding excess and applicable chargebacks
  • Only policies count where the agent commission is posted and paid on the agent’s commission statement by December 31, 2022
  • Per policy maximum of $50,000 TP applies
  • Current AIG chargeback rules for agent commissions also apply to the bonus
  • Bonus available for individual producers only, upline management and Cenco staff not eligible

Annuity Corner

Save Your Clients Money With Guarantees

With the stock market dropping, more of your clients are wanting and needing guarantees. Multi Year Guaranteed Annuities (MYGA) fit that need perfectly. Plus, the earnings are not subject to current income taxation.  

Recent statistics show that MYGA sales are up $12 billion this year.  Don’t miss your chance to help your clients keep their savings and improve your income.

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 – 4.40%
  • A Top 6-year rate – 4.65%
For more information and carrier details contact David Bennis or any of your Cenco support team.

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.

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

DI Did You Know

Avoid the “Sticker Shock” With Disability Income Sales

The general rule for the amount a client should spend on their Income Protection plan is 3% or less of their annual income.  To keep premiums low:
  • Adjust both the Benefit Amount and Elimination Period
  • Lower the Benefit Period
  • Create a mixture of Base Benefit and Social Insurance Supplement coverage
  • Choose only the riders that will actually benefit a client

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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