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Cenco eNews
Helping Agents Succeed Since 1978
July 22, 2025

A Guaranteed Solution Your Clients Will Love

Transamerica Lifetime is all about guarantees, guaranteed cash value, guaranteed level premiums, and a guaranteed level death benefit. It works for clients who want more than what some guaranteed universal life policies can offer. And it provides protection for life – whether your clients live to age 85, 105, or even longer.

But what makes it special is a solution with a variety of riders to address different needs. Because clients who buy permanent life insurance for legacy or final expense purposes may also have a need for supplemental term life insurance to help replace income or provide mortgage protection.
Read more…

Corebridge Quick Quotes Within 24 Hours

The Quick Quote Desk is staffed by expert underwriters who can provide rapid responses to underwriting questions requiring significantly less detail than a full informal submission. A response typically comes within 1 business day, and often sooner. 

The Quick Quote Desk can provide guidance on how to quote your client for life insurance based on factors such as: 
  • Participation in hazardous sports
  • Aviation
  • Foreign travel
  • Medical conditions
  • Occupation
Check out the Tips and Best Practices…

Speed DI Sales With Increased Non-Med Limits

Assurity is raising underwriting limits on Century+ Disability Income Insurance – making it faster and easier for you to close sales. 
No medical exams required for:
  • Up to $8,000/month benefit (ages 18-50) – up from $6,000
  • Up to $6,000/month benefit (ages 51-60) – up from $4,500
No income verification required for:
  • Benefits up to $6,000/month, or
  • Up to $4,000/month, for self-employed and 1099 clients
These updates help you move from application to approval quicker – so you can protect more clients with less friction. Check out the Product Highlight Sheet…

Are Your Clients Prepared for the Realities of Retirement?

Start meaningful conversations with clients about financial protection and planning!
Planning for retirement means more than just savings – It’s about protecting assets from rising costs and unexpected expenses. Many retirees face financial gaps that put their hard-earned savings at risk. 
Consider these eye-opening realities:
  • 50% of retirees find themselves needing more than they planned.
  • 70% of people turning 65 today will require some form of long-term care.
  • 37% of retirees “unretired” in 2023 just to cover essential expenses.
Help clients navigate these challenges with confidence. Modern-day life insurance offers solutions that can help safeguard their financial future, providing flexibility and protection when they need it most. Read more…

The Two-Policy Strategy That Works Smarter, Not Harder!

Don’t let clients settle for less! With Corebridge’s innovative two-policy IUL strategy, they can:
  • Gain certainty and peace of mind with comprehensive coverage
  • Maximize their claims flexibility
  • Ensure financial protection tailored to their unique needs
Help them experience a smarter way to secure their future with a two-policy IUL strategy. 
Check out the case study

DI Did You Know

DI – A Big Opportunity For Advisors

According to the Life Insurance Marketing and Research Association (LIMRA), 52% of Americans own life insurance but ONLY 14% own disability insurance.

This creates an amazing opportunity for Advisors! DI is most-likely undersold because clients don’t know much about it. However, once a client realizes that life insurance pays benefits to beneficiaries while DI pays benefits directly to the client. DI should be an easy sale.

Carrier Incentives

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Contact the CENCO TEAM:
Cathy Martin, 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
www.cencoinsurance.com

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