Cenco eNews
Helping Agents Succeed Since 1978
June 6, 2023

Help Protect Your Clients’ Assets

By adding life insurance with chronic illness riders to their financial plans, your clients can be better prepared for life’s unexpected expenses.  Gain the traditional values of a life insurance policy – death benefit for their loved ones – plus living benefits to help pay for LTC expenses while keeping their investments intact.  Read more…

June Is National Annuity Awareness Month, Is Your Clients’ Income Guaranteed?

June marks the beginning of National Annuity Awareness Month and is a great time to educate your clients on the benefits of annuities.

Annuities can be an integral part of your clients’ long-term retirement planning strategy, providing direction to help them overcome unnecessary risks and important optional benefits that help them to protect their financial future. Annuities offer guaranteed death benefits and payment options to help meet retirement income needs. A key step in planning for retirement is to put strategies in place that maximize guaranteed income. Stay tuned for more information on annuities in the coming weeks…

Accordia/Global Atlantic Suspends Life Product Sales

Effective July 1, 2023, Global Atlantic will be suspending sales of their index universal life products that are issued by Accordia Life Insurance Company.  For more information check out this link…  

As many of you know, while Accordia has reduced its life sales market share, Cenco and many former Accordia agents continue to prosper because Cenco has continued to offer alternative  insurers and products to fit agent’s needs and fill in any product gaps caused by insurers like Accordia changing direction.  We sometime refer to this as “Cenco’s Agent Safety Net”.  Please call us with any questions at 916/920-5251.

Income For Life Rider On The QoL Max Accumulator+ IUL III

The Income for Life Rider is an innovative feature that offers guaranteed income when there is cash value in the policy.  The ability to lock in a guaranteed income stream may be very attractive for those in retirement or nearing retirement.

After activating this feature, the guaranteed income stream will never decrease – even in the face of declining values elsewhere – and the policy will retain a life insurance benefit, a feature other guaranteed income instruments may not provide.  Contact Cenco for more information.

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

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 – 4.50%
  • 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

DI – A Big Opportunity For Advisors

According to the Life Insurance Marketing and Research Association (LIMRA) 52% of Americans own life insurance but ONLY 14% (down from 31% in 2012) own disability insurance.

This creates an amazing opportunity for Advisors!  DI is most-likely undersold because clients don’t know much about it.  However, once a client realizes that life insurance pays benefits to beneficiaries while DI pays benefits directly to the client, DI should be an easy sale.

Carrier Incentives

Travel the World With Cenco!

Stay tuned for more carrier incentives.
Cenco's Agent Website
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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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