LTLIA: Temporary Coverage While A Case Is Being Processed
The Limited Temporary Life Insurance Agreement (LTLIA) is a popular option that provides temporary coverage for eligible applicants while their cases are being processed. Learn how LTLIA works…
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Overcome the #1 Sales Objection: Price
Unfortunately, price is typically the number one sales objection for many purchases – including disability insurance. Help your clients understand that disability income insurance can replace the loss of an income if they become sick, injured or unable to work and it’s more affordable than many think!
Ask clients:
- What are your plans if you became unable to work?
- Do you have enough savings to cover living expenses for 2.5 years (the average length of a disability)?
- What type of impact would not being able to work have on your family?
- Did you know that disability insurance can cost less than most people pay for their monthly cell phone bill?
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AU+ Now Covers More Products, Increased Ages And Face Amounts
- Now available for all products: IUL (up to $2M and age 59) and GUL and Term (up to $1Mil and age 59).
- Higher Placement Rates: on applications that do not require labs.
- Faster Decisions: Instant offer or lab/exam decision at end of tele-interview. Over 65% of eligible IUL applications receive an underwriting decision without requiring fluids.
Reach more clients with more products and faster decisions. Check out the guidelines…
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Get Ready for Life Insurance Awareness Month in September
Get a jump on preparations by visiting AIG’s retooled Building Life Insurance Awareness page on Stand Out with QoL, featuring updated resources that can help start and drive conversations with clients. Get ready…
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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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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
Guide Your Clients With Discounted IDI Rates
Everyone wants value from the products and services they pay for. With Standard’s Platinum Advantage Disability Insurance, your top clients can enjoy a range of premium discounts and, in some cases, layer multiple discounts. They can receive the full value of IDI coverage at a lower price. And discounted rates may also encourage some clients to consider broader coverage. Read more…
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Carrier Incentives
Travel the World With Cenco!
Stay tuned for more carrier incentives.
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