Cenco eNews
Helping Agents Succeed Since 1978
August 29, 2023

Help Your Clients Take The Guesswork Out of Guaranteed Income – For Life

Now your client can count on guaranteed income for life, maintain access to their money and rest easier with flexibility to help manage life’s events. Assured Edge provides a flexible guaranteed lifetime withdrawal benefit (GLWB) with the ability to grow future lifetime income based on an income growth rate each year until they choose to activate lifetime income. That means the potential for more guaranteed income.  Read more…

Cenco Website Tip of the Week – E-Apply

  • Submit your e-applications for any of multiple insurers on one website
  • Auto-transfer information from quotes to e-applications
  • Check status of all your submitted cases 24/7
  • Makes e-application signature process a snap
  • Obtain application forms for any of many life insurers
  • View your apps from input to completion on your own secure “My Cases” dashboard
Check it out now at

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:
  1. What are your plans if you became unable to work?
  2. Do you have enough savings to cover living expenses for 2.5 years (the average length of a disability)?
  3. What type of impact would not being able to work have on your family?
  4. Did you know that disability insurance can cost less than most people pay for their monthly cell phone bill?

Get Ready for Life Insurance Awareness Month on September 1, 2023

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…

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...

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 – 4.55%
  • A Top 3-year rate – 5.25%
  • A Top 4-year rate – 5.10%
  • A Top 5-year rate – 5.50%
  • A Top 6-year rate – 5.42%
For more information and carrier details contact your Cenco support team.

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…

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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