American National: Smart Start Accumulator Series 5 Coming Soon!
Built with the same great features as the current series, Smart Start Accumulator Series 5 introduces a shorter surrender duration, giving clients another option to align their annuity strategy with their unique needs and timelines. Learn more…
Banner Life: Lower Rates for OPTerm now Available
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Pacific Life PL Promise Producer Incentive Program
HOW THE PROGRAM WORKS:
■ Submit PL Promise Term or PL Promise GUL applications by 12/31/26.
■ Place a minimum of five in-force PL Promise Term or PL Promise GUL policies by 2/28/27.
■ Incentive will be paid within one month of every five paid cases, and final payments will be paid by 3/31/27.
■ Policies must remain in force for at least one policy year or a chargeback will apply.
■ The producer incentive is paid in the same form as regular commission payments.
■ Designed for life insurance brokers only; direct marketers and e-retailers are not eligible.
For more info, click HERE.
Nationwide CareMatters Annuity Underwriting Update
Nationwide recently updated their CareMatters Annuity Underwriting Process Guide. On the second page following question 6, you’ll find a list of uninsurable health conditions.
A few important notes:
• The overall application process has not changed
• The original 6 underwriting questions remain in place, with the first 5 continuing to function as knockout questions and the 6th helping determine standard or preferred rating eligibility
• We have added a list of uninsurable conditions for this product to provide additional clarity during the screening process
The goal of this update is to provide greater clarity upfront, particularly in cases where a client may answer “no” to the knockout questions but still have a significant health condition that would make them ineligible for coverage.
We hope this added transparency helps you assess fit earlier, set clearer expectations, and identify the most appropriate opportunities for your clients.
PL Promise Term Life Insurance Reprice
Effective July 20, 2026, Pacific Life Insurance Company is rolling out refreshed pricing for PL Promise Term1 level premium life insurance—a product designed to offer affordable death benefit protection to consumers and business owners needing short-term flexible coverage.
Rates have been updated to increase consistency for solid competitiveness across all combinations of terms, risk classes, gender, and issue ages.
A 60-day transition period is provided.
Our commitment to providing affordable life insurance coverage for everyday consumers remains strong. View full bulletin for pricing sweet spots and other details.
| View Full Bulletin (PDF) |
Nationwide’s Multi-Life Guaranteed Issue Program Goes Live July 10th
We’re excited to share that Nationwide’s retail Multi-Life Guaranteed Issue program and platform is live as of July 10, 2026. This new platform offers a streamlined experience for submitting and managing multi-life cases, including:
• An end-to-end digital experience on a single integrated platform
• No duplicate data entry — intake, census, and illustration details automatically carry forward
• Real-time dashboard visibility into each participant and overall case status
To submit details for review prior to final submission:
1. Access our retail Multi-Life Guaranteed Issue platform through the Nationwide Sales & Service Center, complete the intake form, and upload the census.
2. Once reviewed, Nationwide will send a preliminary approval email.
3. Complete licensing, use the web-based illustrator, and provide the aggregate illustration ID.
4. Then initiate the application, with most inputs pre-filled.
Click here to view the Multi-Life Guaranteed Issue – IUL Accumulator III brochure
Securian Eclipse Accumulator II IUL: Up to 40% Lower Charges
With Indexed Universal Life (IUL), charges matter. Eclipse Accumulator II IUL delivers the lowest total charges by year 20 among major competitors,1 helping more premium dollars go to work for your clients from day one.
Why financial professionals are taking notice:
✓ Lowest total charges by year 20 among major competitors1
✓ Up to nearly 40% lower total charges than the highest-cost competitor1
✓ More premium available to support cash value accumulation
Illustrated rates tell only part of the story. Internal policy charges can significantly impact long-term outcomes — and lower charges can mean more value for your clients.
See how Eclipse Accumulator II IUL stacks up.
Nationwide Underwriting Awareness Month
Join us for Underwriting Awareness Month |
| This July, Underwriting Awareness Month offers a fresh perspective on what’s new in life insurance underwriting. Register for our upcoming webinars to uncover insights, trends and how Nationwide® puts people at the heart of every decision. Learn more about Underwriting Awareness Month, here: https://www.nationwide.com/financial-professionals/products/life/underwriting/ |
Symetra Webinar Replay: Mastering the Mechanics of Protection IUL
Webinar replay: Mastering the Mechanics of Protection IUL
Missed the webinar? Don’t miss this key insight:
• One of the most important criteria in the longevity of protection-focused indexed universal life (IUL) isn’t the premiums—it’s the charges.
In our Mastering the Mechanics of Protection IUL webinar, we show how charges impact net premium and reveal how much of each premium dollar actually goes to work fueling the policy.
You’ll also learn how to stress-test protection IUL, compare products more effectively, and uncover sales opportunities through case studies. If you want to better understand what’s under the hood of protection IUL, this replay is worth the watch.
| Watch replay |
Securian: The Opportunity Hidden in a Policy Review
One review. New possibilities.
Some of the most valuable client conversations start with taking a fresh look at what’s already in place.
That’s where policy reviews can make a meaningful difference.
When clients share their future plans, evolving priorities or questions about whether their current policy is still meeting their needs, a simple conversation can open the door to new possibilities. It creates an opportunity for you to listen, ask thoughtful questions, and uncover solutions.
In our new case study, by taking the time to understand their client’s concerns, the financial professional was able to explore options and identify a path forward that met their client’s immediate needs and future goals too.
Behind every policy is a person and a future worth protecting
Policy reviews are more than a service touchpoint. They’re a chance to strengthen relationships, reinforce your value as a financial professional, and show clients that their needs remain at the center of every conversation.
Discover how one policy review uncovered a better way to align a client’s coverage with what mattered most.