New pricing for Protective® Classic Choice term
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New pricing for Protective® Classic Choice term We regularly review our pricing to deliver on our commitments and help you deliver on yours. Reprices ensure Protective® Classic Choice term remains strong, sustainable and easy to recommend. Alongside the reprice, our digital process helps Price changes in all states except NY, effective October 12, 2026: Monthly premium scenarios in top 3 Annual premium scenarios in top 3 (Please note, iGo defaults to annual premium quotes. Change to monthly premium quotes to see Classic Choice term’s most competitive rates.) Transition rules • For paper business: signed applications must be received on or before October 26, 2026. |
American National – Annuity Rate Increase Effective October 16th
Click here for 10/16/26 rate sheet.
Rate Highlights:
Palladium Multi-Year Guarantee (MYG) & MYG MAX
- 3-year ▲ 30 BPS
- 7-year ▲ 35 BPS
- 6, 10-year ▲ 15 BPS
Palladium Match MYG
- 3-year ▲ 30 BPS
- 7-year ▲35 BPS
ANICO Strategy Indexed Annuity 7 & 10
- Rates ▲ accross the board!
Rate Constant Annuity
- 20-Year Declared Rate ▲ 30 BPS
- Trigger Rates ▲ across the board!
Smart Start Accumulator 10 & Plus 10
- Premium Enhancement (no fee) ▲ from 14% to 15%
- Premium Enhancement (with fee) ▲ from 21% to 22%
- Cap & Participation Rates ▲ Increased across strategies
Smart Start Accumulator 5 & Plus 5
- Premium Enahncement (no Fee) from ▲ 9% to 10%
- Cap & Participation Rates ▲ increased across strategies
October 1 Rates Deadlines (App exchnages, cash w/ app, & wire transfers)
- App Dated & Signed: 10/15/26
- App and Cash/Wire Transfer Received: 10/20/26 (3rd business day)
- Exchanges Only: Monies must be received within 60 days
Starting Today: Lower OPTerm Rates from Banner Life!
Effective October 14, 2026, Banner Life is offering more competitive OPTerm rates for term coverage from 10 to 40 years.
Click here to open the information and review the updated rates and submission guidelines.
Rate Change: Axonic Waypoint MYGA
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Axonic Waypoint MYGA Rate Change
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Limited-Time Symetra IUL Underwriting Upgrade
We are excited to share a significant underwriting opportunity from Symetra that can create immediate value for your clients.
Effective August 24, 2026, through December 31, 2026, eligible Symetra IUL cases approved at Standard will automatically receive an underwriting class upgrade to Preferred or Super Preferred, depending on the product and face amount. There is no negotiation required, no special programs to qualify for, and no additional hoops to jump through. Symetra is simply applying a substantial table shave to qualifying cases.
Eligible Products
Symetra Accumulator IUL (AIUL)
- Face amounts up to $10,000,000
- Standard approval upgraded to Super Preferred
Symetra Protector IUL
- Face amounts up to $5,000,000
- Standard approval upgraded to Preferred
Why This Matters
This is an excellent opportunity to:
- Improve client pricing and illustrations
- Increase policy value potential
- Help clients qualify for significantly better rates than expected
- Strengthen your competitive positioning in the marketplace
Take full advantage of this limited-time Super Preferred giveaway while it lasts.
Additional details and marketing materials will be available soon.
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.