Make The Love Connection
With Life Insurance
February is Insure Your Love Month – An ideal time to check in with your clients and review their coverage so their loved ones remain financially protected.
- Policy Review: Has your client’s coverage kept pace with career and family changes? Use our Policy Review tools to measure their current needs and adjust their policies as needed.
- Beneficiary Review: Even if a client’s coverage remains suitable, it’s important to make sure beneficiary designations and amounts are up to date. Our tools include a guide and journal for thorough reviews.
Start the conversation to show your clients that life insurance, like love, is a gift that can grow and strengthen over time. Check Out the Policy Review Client Guide….
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Protective Helps Clients Understand How Underwriting Works
Getting life insurance can be easier than clients think. Protective helps streamline the process with easy applications and multiple underwriting paths, including:
- Fastest instant approval in 3 minutes for qualifying clients who can accept policy electronically.
- Accelerated underwriting in as little as 3 days with no medical exams and minimal health questions.
Protective makes it easy to educate clients on their underwriting options. Read more…
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Transamerica Contract Purge Opportunity
As in the past, Transamerica periodically removes producers who have not placed business produced within the last year.
Those of you who may be affected should receive a letter dated January 14, 2026, giving 30 day’s notice due to lack of production, although some due to a delinquent AML.
While Transamerica may not recently be your life carrier of choice, we have seen a considerable uptick in agent interest in Trans due to their much-improved offerings including:
- Constantly improving extremely competitive low-cost term and term with living benefits
- Instant Decision IUL – including juvenile rates, text to sign and an easy e-app process
- Fully underwritten IUL with a true Long Term Care Rider
- Instant decision FE Express Solution with very liberal underwriting, text to sign and DB to $100,000
All still with the competitive compensation that Transamerica has been long known for.
In order to avoid termination, we suggest that you submit a new Trans app by Friday, February 6, 2026.
E-apps can be done on the Transamerica agent website or on our IGO e-app platform at www.clinsurancecenter.com, or on paper.
Also review these Winning by Design and How to Get Started flyers showing how to easily access the Trans website for illustrations, apps, and product info.
If you need further assistance, just let us know.
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Cenco Expands Its Producer Support Team
As part of the recently announced Cenco–Long Insurance Center joint venture between Cenco and Lawrence B. Long Insurance Services, we are pleased to share more good news. In addition to expanded product offerings and an enhanced, feature-rich website, we are increasing the level of support available to you.
Along with the Cenco staff you already know—Pete, Cathy, Shelli, Joanne, and Chris—David and Sheryl Long, along with Barbara Freeland, are now available as additional expert resources.
With this expanded team, we can respond even more quickly and with even greater expertise to all your needs, including product questions, contracting, illustrations, regular and impaired risk assessments, and case design at every level—from routine to highly advanced.
For those of you who may not be familiar with David, Sheryl, and Barbara:
- David Long brings 33 years of experience and is widely recognized as one of the industry’s most knowledgeable professionals in case design, illustration support, and basic-to-advanced sales solutions. He is a nationally respected industry leader and a past Chairman of NAILBA, the National Association of Independent Life Brokerage Agencies.
- Sheryl Long offers 41 years of expertise in impaired-risk underwriting, case management, illustration support, and commissions management. Her track record in obtaining successful outcomes in challenging underwriting situations is exceptional.
- Barbara Freeland has 35 years of experience as a top-tier case manager, having worked with more than 40 insurers. She is known for her ability to move cases forward and get results for producers—even in situations where others often struggle.
We look forward to providing you with an even higher level of service, support, and expertise.
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Carrier Incentives
Travel the World with Cenco!
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