Cenco eNews
Helping Agents Succeed Since 1978
October 31, 2023

Smart Moves With QoL Flex Term
New Rates

Effective October 30, 2023, QoL Flex Term is repriced in all states where it is sold.  New rates are a mixture of decreases, increases and no changes.  Approximately 27% of cells have lower premiums with an average rate reduction of 1.4%.  Overall, the rates trend lower and decreases can be seen across all key bands.  Check out the bulletin…

Tools For Conversations Across Generations

As with most major purchases, life insurance needs can change over the course of a lifetime.
Younger clients on leaner budgets may be looking to get a foothold in their investments, while older clients may want more flexibility to address changed circumstances.  Start the conversations with Millennials, Gen X, and Baby Boomers.

Assurity’s New Product. New Opportunities

New individual Assurity Accident Insurance is guaranteed issue – simple for your clients to get and for you to sell. Help more clients with rising deductibles and health care costs.  Get all the details in the highlight sheet…

Transamerica’s Case Management Is Here

Transamerica is introducing a case management team to help propel your business forward. Their dependable team provides personalized and proactive support, from pre-issue to policy delivery to save you time and get more clients protected faster. Contact your team today.

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 – 5.30%
  • A Top 3-year rate – 5.35%
  • A Top 4-year rate – 5.55%
  • A Top 5-year rate – 5.50%
  • A Top 6-year rate – 5.75%
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.
Cenco's Agent Website
Cenco's Facebook
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

Want to change how you receive these emails?
You can update your preferences or unsubscribe from this list.