Cenco eNews
Helping Agents Succeed Since 1978
November 7, 2023

Finish The Year Strong With Symetra’s Carrier Match Program

Looking to close your year-end business with the best possible underwriting offers for your clients?  Submit your cases through the Carrier Match Program and Symetra will match formal or informal rate class offers from their group of eligible life insurance carriers through December 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…

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 – 5.55%
  • A Top 3-year rate – 5.90%
  • 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

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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