New Competitive Scenarios For QoL Max Accumulator+ III IUL
Now you can help even more clients secure their financial futures with a flexible permanent life insurance policy that provides protection and cash value accumulation. Check out the competitive scenarios for Max Income Distribution, Improved Income Potential at Age 60+, and Juvenile Cases.
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Team Up And Win! QoL Max Accumulator+ III GFI Sales Contest
The competition is on! We are excited to announce the exclusive QoL Max Accumulator+ III FGFI Sales Contest, where the Top 100 writing agents can earn a Corebridge Varsity Jacket.
The contest runs from September 6, 2024 through December 20, 2024. Get in the game – your next sale could secure your spot! Check out the flyer…
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Corebridge Financial Guaranteed Living Benefits Are Changing
Corebridge Financial has been monitoring the interest rate environment and are updating rates on their Guaranteed Living Benefit (GLB) features. Please note that the changes to the withdrawal rates are effective October 14, 2024. Read More…
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Assurity Protects Retirement Goals With This
Add an additional layer of protection for your retirement-focused clients with powerful Critical Illness Insurance – helping them avoid reducing their death benefits and protecting their IUL policies.
Leverage Critical Illness features like:
- Simplified underwriting up to $75,000
- 11 covered conditions
- Multi-benefit payout on each covered condition with a 6-month separation
- Competitive commissions and renewals
Get the sales idea…
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Add Value With This New Approach
Stand out in a crowded market and make more sales with bundled 3-in-1 coverage for life, critical illness and income protection. In less than a minute, See how Life Protector+ gives you a new value-adding approach to term life sales with the same instant decision you love.
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Coming Attractions
Watch your upcoming Cenco eNews for exciting website and producer support enhancements designed to improve your practice, including additional products and improved website tools and security.
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FIA and FA Crediting Rate REDUCTIONS “Changes” Reminder
In last week’s eNews, we alerted you to likely impending changes in MYGA and FIA crediting rates. Sure enough, during the past week we saw rate “change” notices from several carriers, where not only fixed rates were reduced but also reductions in caps and participation, some with very little notice. On top of this there was the stock market volatility.
We cannot predict when and what the next group of changes may occur. But in any case, this is still a perfect time to talk to your active and prospective clients about the unique value annuities provide for future savings, especially the downside protection offered by both FIA’s and FA’s.
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Check Out the Cenco Website At www.cencoinsurance.com And Submit Your e-Applications for Multiple Insurers.
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DI Did You Know
Enhance Clients’ Existing Disability Insurance Coverage
Help your clients understand the disability income insurance benefits they receive from their employers, and if necessary, recommend additional coverage to supplement their employee benefits.
What Your Clients Need to Know:
- All employers don’t offer disability income insurance. Many workers assume they have disability income insurance through work but really don’t and find out too late.
- Make sure your clients know that disability income insurance benefit amounts aren’t the same as their current monthly income.
- When employers pay for disability income insurance for their employees, the paid benefits are taxed as regular income, which further reduces the benefit amount.
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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 – 4.65%
- A Top 3-year rate – 5.10%
- A Top 4-year rate – 4.75%
- A Top 5-year rate – 5.20%
- A Top 6-year rate – 5.25%
For more information and carrier details contact your Cenco support team.
MYGA Rates Are Decreasing!
Call Cenco For More Information at (916) 920-5251
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Carrier Incentives
Travel the World With Cenco!
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