September Is Life Insurance Awareness Month
This year marks the 22nd anniversary of Life Insurance Awareness Month, an effort to raise awareness among consumers and producers about the need for life insurance. According to LIMRA during the past 5 years, approximately 6 million potential life insurance buyers got away – people who didn’t buy but had issues or concerns that if addressed could have turned them into buyers.
- Reach Out At Key Moments
- Build Relationships
- Help Prospects Understand
- Follow Up With Prospects
- Connect With Current Clients
For More Information Check Out Resources: https://www.lifehappens.org
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Transamerica Riders That Go The Distance
It’s good to have options when planning for the future. Transamerica Financial Foundation IUL II (FFIUL II) gives your clients the choice of several riders to help customize their policy to fit their needs. A few of these riders are:
- Critical and Chronic Illness Riders: These riders provide the policy owner the ability to accelerate a portion of the policy’s death benefit prior to death.
- Terminal Illness Rider: Automatically included on all FFIUL II policies, this rider is designed to provide the policy owner with the ability to receive a portion of the policy’s death benefit to help with financial relief for the policy owner and their loved ones.
- Concierge Planning Rider: This no additional cost funeral concierge package is offered on FFIUL II policies with a face amount of $250,000 or more and not using monthly premium payment. CPR is designed to make funeral planning simpler and less expensive.
Share these flyers with your clients.
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Cenco Has A New Home
We have moved our office to 4633 Whitney Avenue, Suite B, Sacramento, CA 95821. Our phone number (916) 920-5251 and email will remain the same. Looking forward to seeing you soon.
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Help Clients Reduce Risk Of Poor Market Timing
Have clients with large lump sums or 1035 exchanges? The Dollar Cost Averaging (DCA),
built into every QoL Value+ Protector III (QoL VPP) policy, gives them an optional strategy to help ease into the market – without the pressure of perfecting timing. Read more…
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XRae Field Underwriting Generate Multi-Carrier Results Instantly
Xrae is a field underwriting tool that immediately returns a likely health or other rating classification range for up to fifteen well known life insurers based on these insurers published and unpublished underwriting rules and algorithms. Whether an applicant has medical, DMV, avocations, substance or other history, Xrae can get you results in seconds!
Xrae can:
- Decrease underwriting time and costs for agents and insurers
- Speed up the underwriting process
- Increase your ability to place difficult cases
- Manage all quick quotes in one place
To try Xrae, simply go to www.cencoinsurance.com, select “Tools” and then “Xrae Underwriting” from the drop-down list.
Another time saving agent resource from Cenco.
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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…
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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.
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Carrier Incentives
Travel the World with Cenco!
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