Cenco eNews
Helping Agents Succeed Since 1978
December 6, 2022

Protective's Path To Efficiency: 
Electronic Applications

Staying competitive in our industry means having more time in your day to protect more clients – and the ability to offer them the best value.  That is why Protective has made the process even easier with Protective Velocity.  It takes a lot of the administrative work off your plate so you can get back to doing what you do best – providing coverage and peace of mind to your clients.  Read more…

When Rates Are On The Move, Keep Pace With
Global Atlantic

Global Atlantic has increased the Cap Rates on the index strategies for Lifetime Builder ELITE and Global Accumulator to provide you and your clients highly competitive products. This 50bps increase on their accumulation products offers your clients greater growth potential and flexibility.  View the current rates and learn more about the products…

2022 Year-End Processing Dates And Holiday Hours

As we near the end of the year, Cenco is prepared to work closely with you on your pending business and help you have a successful close to 2022.  Read the 2022 Year-End Processing Deadlines and Holiday Schedule for AIG and Accordia.  More schedules to follow.

Time is Running Out on Our Exclusive 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

Cenco Website Tip Of the Week

Multiple Insurer “In Good Order” (IGO) Fast E-application Processing

No need to log into each insurer website separately.  Even if you don’t do a quote, you can go directly to each selected insurer’s e-application, quick-app or application forms directly from Cenco’s website.

Check it out now at

Annuity Corner

Save Your Clients Money With Guarantees

CDs are popular for those wanting a safe, low-risk way to save money.  A posted 10/22 Bankrate average for a 3-year CD was .98% and is income taxable.  A 3-year Multi-Year Guaranteed Annuity (MYGA) offers 4.7% and is not currently taxable.  Which one would be better for your client?

Help strengthen your client’s relationship with you. Check the rates below and contact Cenco for the most current rates for any available time periods.  Your clients will be glad you did, and so will you.

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 – 4.30%
  • A Top 3-year rate – 5.50%
  • A Top 4-year rate – 5.15%
  • A Top 5-year rate – 6.15%
  • A Top 6-year rate – 5.45%
For more information and carrier details contact your Cenco support team.

DI Did You Know

Business Overhead Expense Is The Door Opener to DI Sales

A BOE plan helps to keep the business in operation in the event the owner becomes disabled and couldn’t work for a period of time.  BOE reimburses the business for all their fixed operating expenses in order to keep the doors open while the owner recovers from an injury or illness.  

This assures there will be a business to come back to once recovered.  If a major illness or accident prevents the owner from coming back to work, there will still be a business to sell that has not depreciated because of the owners absence.

Carrier Incentives

Travel the World With Cenco!

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Contact the CENCO TEAM:
Cathy MartinBrianna Solano

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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