Cenco eNews
Helping Agents Succeed Since 1978
September 19, 2023

QoL Protection IUL Improved Positioning

On September 29, 2023 an average premium reduction of 4% will be taken across the board on QoL Value+ Protector III with continued emphasis towards performing well in all scenarios and across payment structures (level and short pay).  
  • Improved guaranteed premium solve to age 90
  • New S&P 500 High Bonus index account
  • 68% of IUL cases through Agile Underwriting+ are lab-free
Read more…

Reprice Alert:  Protective Classic Choice Term

Protective has lowered their Protective Classic Term prices once again.  They have maximized the value a term solution can offer clients to help them secure what matters most.
  • Lower prices put them in the top 3.71% of the time in monthly premium scenarios and in annual premium scenarios.
  • 35-and 40-yer term periods make them one of only three carriers in the market to have level term coverage for up to 40 years.

Transamerica’s Smart Accumulation Option

For high-income individuals who have maxed out their qualified retirement savings and have an insurance need, cash value life insurance can be a smart option for accumulating additional funds with flexible access to cash value, which can be used for:
  • A home addition or renovation
  • A vacation or adventure fund
  • An emergency fund for the unexpected
  • A fund to help start a business or support an existing one
Transamerica Financial Choice IUL (FCIUL) is an accumulation IUL option to help clients meet a variety of needs.  It offers protection, growth potential and tax-free access to cash value.  Read more...

September is Life Insurance Awareness Month

The Building Life Insurance Awareness page on Stand Out with QoL has been refreshed with the latest consumer-approved resources to engage your client including grab-and-go conversation starters and tools for prospecting, presentation and closing. Go to the page...

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

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 – 5.05%
  • A Top 3-year rate – 5.05%
  • A Top 4-year rate – 5.20%
  • A Top 5-year rate – 5.50%
  • A Top 6-year rate – 5.65%
For more information and carrier details contact your Cenco support team.

DI Did You Know

How to Target Millennials For IDI Sales

The millennial generation is a profitable but underserved market for IDI sales.  This group has more to protect than previous generations at the same age and may have potential gaps in their disability coverage.  Recent graduates in law and medicine can be good prospects.  Check out the flyer…

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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