Cenco eNews
Helping Agents Succeed Since 1978
May 9, 2023

Corebridge Financial/AIG Tips For Temporary Coverage With LTLIA

The Limited Temporary Life Insurance Agreement (LTLIA) is a valuable option available to your clients that provides temporary coverage for eligible applications during the application process.
See the LTLIA Guide for details, more tips and an FAQ to help ensure your clients take advantage of this valuable coverage.  

Get The Most From Your Cenco Website

Your Cenco website can be a powerful time saving and money-making tool for you, with a wealth of resources specifically designed to improve your sales.  

Among many other things you can:
  • Quote multiple life insurers
  • Submit applications online for multiple insurers
  • Conduct underwriting searches
  • Look up product details for multiple insurers
And much more, too much to describe here.  Check it out at

NEW! QoL Max Accumulator+ III Available In CA Now!

QoL Max Accumulator+ III is now for sale in California. For all QoL Max Accumulator+ III policies with effective dates of April 29, 2023 and after, there will be a new fixed bonus structure that will improve illustrated values on most income solves.  Check out the bulletin for transition rules…

Protective 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. And with longer term periods, more flexibility and faster technology, they are also making short-term business easier and more innovative. Check out the product details…

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 – 4.60%
  • A Top 3-year rate – 5.00%
  • A Top 4-year rate – 5.05%
  • A Top 5-year rate – 5.25%
  • A Top 6-year rate – 5.30%
For more information and carrier details contact your Cenco support team.

DI Did You Know

May 2023 Is Disability Insurance Awareness Month

Here is a great DI conversation starter that illustrates the value of disability income insurance.

Employer paid DI typically creates an income gap when an insured receives benefits.  An IDI policy is a great way clients can protect their income and minimize the effects of an income gap.  The benefits of owning their own policy include:
  • The policy follows the insured throughout their career.
  • The policy can include increase options to match salary increases.
  • The policy protects retirement savings accounts.
  • The policy provides income continuation so clients can meet financial obligations.

Carrier Incentives

Travel the World With Cenco!

Stay tuned for more carrier incentives.
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Contact the CENCO TEAM:
Cathy MartinBrianna Solano, and Shelli Welch, CA license #0C78343

Cenco Insurance Marketing Corporation, CA license #0561429
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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