Transamerica’s Financial Choice IUL
Is Now In California
Transamerica Financial Choice IUL (FCIUL) is built for growth, giving your clients the potential to maximize their cash value and income tax-free distribution potential. FCIUL provides diverse index account options that allow your clients to manage their needs for growth while helping to smooth out volatility. See the specs and see how it compares...
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Help Your Clients Think Long-Term
Long-term illness issues can be a difficult topic to bring up. But it’s important to help your clients protect their savings and retirement plans from health care costs. The need for care grows as people age, and it’s important to protect their futures from expenses relating to illness.
- 7 in 10 Americans turning age 65 will need long-term care in their remaining years.
- Median rates of typical long-term care services in the U.S. include $26/hour for homemakers, $27/hour for home health aides, and $4,500 a month for assisted living facilities.
Living benefit riders offer the financial protection your clients need in the event of a qualifying condition, with income tax-advantaged benefit that lets them access funds from life insurance policies while living. Start a conversation with this long-term illness infographic…
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Meet Your Virtual Marketing Assistant
Do you have too little time and resources to put together your own marketing? AIG Partners would like to help with some easy-to-use marketing. In Campaign in a Box, they put together complete marketing programs covering almost anything you might want to promote. The promos are ready-made and in a copy-paste-send format.
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Training Required To Sell ABR And AAS Riders In California
In order to ensure required producer knowledge, Corebridge Financial requires that California producers who became licensed prior to January 1, 2015 to complete one (8) hour long-term care (LTC) insurance continuing education course prior to soliciting individual consumers for the sale of this rider. Read more…
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New Corebridge SimpliNow Choice Platform
Easily access ALL underwriting submission paths in the same session, on the new iPipeline SimpliNow Choice platform. You choose which underwriting path best meets your client’s need:
- NEW client completion Part B (instant decision)
- Agent completion Part B
- Tele-interview
- Paramed
The new client completion path provides an instant decision on their existing, fully featured QoL Flex Term product that can lead to a real-time offer. Coming Soon To California. Read more…
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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 – 5.00%
- A Top 3-year rate – 5.70%
- A Top 4-year rate – 5.10%
- A Top 5-year rate – 5.90%
- A Top 6-year rate – 5.42%
For more information and carrier details contact your Cenco support team.
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DI Did You Know
All Disabilities Can Fit In to One Or All Of The Following Categories:
- Loss of Use – Presumptive: Permanent loss of eyesight, hearing or speech, use of hands and/or feet.
- Loss of Ability – Total: Inability to perform substantial and material duties of one’s regular occupation. Typical causes are heart attack, stroke, or back-related injuries.
- Loss of Income – Partial: Loss of income due to inability to do all duties, or ability to do some duties for less time or less effectively. Partial disability may result from conditions such as multiple sclerosis, cancer, arthritis, and diabetes.
The majority of disability claims are partial in nature. It is important to always include a partial benefit or residual benefit whenever recommending income protection for your clients.
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Carrier Incentives
Travel the World With Cenco!
Stay tuned for more carrier incentives.
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