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Cenco eNews
Helping Agents Succeed Since 1978
September 30, 2025

Best Underwriting Class
May Be Within Reach

When it comes to underwriting, all health categories are not black and white. In fact, here are some of the conditions where a client may be eligible for best class 
  • Some personal Cancer History
  • Treated Cholesterol
  • Limited Cigar Use
  • Treated Blood Pressure
  • Anxiety
  • Depression
  • Pre-Diabetic or Impaired Glucose Tolerance
Check out the Underwriting Sweet Spots…

43% Think Employer Life Insurance Is Portable

Remind clients, workplace life insurance is not portable. When the job ends, so does coverage.
Key points to share with clients:
  • 43% of Americans think workplace life insurance is portable – it’s not.
  • 65% rely exclusively on employer coverage for protection.
  • Individual policies are portable, flexible, and affordable.
Check out comparison flyer…

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…

Your 31-Day Social Media Campaign Is Ready!

Did you know 62% of people use social media when seeking information on financial or insurance products?

That’s why Corebridge created a 31-day social media campaign – a ready to use “Campaign in a Box” designed for September’s Life Insurance Awareness Month.
  • 31 days of copy-and-paste social posts
  • Build visibility with prospects & recruits
  • Daily posts you can schedule in seconds
This is your chance to be part of the conversation – and stay top of mind. Check out the 31-Day Campaign…

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.

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.

DI Did You Know

The Business Owner Expense Answer

A BOE plan helps to keep the business in operation in the event the owner becomes disabled and couldn’t work for a period of time. BOE reimburses the business for all their fixed operating expenses, in order to keep the doors open while the owner recovers from an injury or illness.

This ensures there will be a business to come back to once recovered. If a major illness or accident prevents the owner from coming back to work, there will still be a business to sell that has not been depreciated because of the owner’s absence. Also, BOE allows for tax deductible premiums when insuring for the potential disability of the self-employed person. 

Speak with your business owner clients today to see how you can help them protect the most important asset they have, their business.

Carrier Incentives

Travel the World with Cenco!

Cenco's Agent Website
Email
Contact the CENCO TEAM:
Cathy Martin, and Shelli Welch, CA license #0C78343

Cenco Insurance Marketing Corporation, CA license #0561429
4633 Whitney Avenue, Suite B
Sacramento, CA 95821

Phone: (916) 920-5251
Toll Free: (800) 45-CENCO
Fax: (916) 920 8734
www.cencoinsurance.com

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