Product Changes

Banner Life: Lower Rates for OPTerm now Available

Starting today (August 11, 2026), you’ll see lower rates from Banner Life.

Giving your clients access to affordable term life insurance isn’t a strategy or a sales plan – it’s business as usual for Banner Life. It’s how we got to be the #1 term life insurance carrier in the U.S.,¹ and it’s what you can expect from us day in and day out.

We’re dropping rates on OPTerm, so whether your client needs 10 years of coverage or 40, we’ll be there for them and for you. It’s not about the numbers, but you can expect to see us at the top of the rankings about 88% of the time.²

That’s what a trusted partner does. You can count on us to make it easier for you to do business every day, not just when it’s convenient.

See our updated Administrative Guidelines

We’re Banner Life. Here for you. Here for better.

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)

Athene: Performance Elite Special Bonus Rates Extended 30 Days

Enhanced Premium Bonus rates* on Athene Performance Elite^® 10 and 15 are now available through July 31!

We want to keep the momentum going, so clients now have more time to evaluate whether the opportunity — with rates up to 26% and 34%, respectively — aligns with their long-term retirement objectives. View promotion details.

This extension offers a timely opportunity to connect with clients who want to protect retirement assets and pursue accumulation potential — while taking advantage of an immediate Premium Bonus to their annuity’s accumulated value.

Transamerica FFIUL II Express now available in California

Next-gen life insurance is here — with 100% instant decisioning to deliver powerful coverage in minutes. Effective today, March 25, Transamerica Financial Foundation IUL^® II Express is redefining how fast and convenient life insurance can be.

Click HERE for the Toolkit.

The new Nationwide Indexed UL Accumulator III

In early March, you’ll be able to offer Nationwide Indexed UL Accumulator III to clients who need death benefit protection and tax-advantaged growth. It still has a transparent, low-cost design and now also features some valuable enhancements.

These are 2 of the new enhancements that you’ll probably want to learn more about right away:

8% Enhanced DCA – To help mitigate the impact that market timing risk can have on a client’s cash value.
Performance Lock – To help make sure your clients can keep the gains from their index interest strategy.

Get the product overview.

New Annuity-based LTC Solution from Nationwide and Training Requirements

I’m excited to share that Nationwide launched a new, annuity-based long-term care (LTC) solution, Nationwide CareMatters® Annuity, on October 13, 2025.

Building upon our industry-leading linked-benefit LTC suite¹, CareMatters Annuity offers:

A streamlined solution to help clients maximize their assets for LTC, while protecting the resources they’ve built for retirement
Flexible, cash indemnity LTC benefits – same as all Nationwide CareMatters solutions

I wanted to share the overview of the required training to sell CareMatters Annuity, given there’s annuity and product-specific training, in addition to LTC training.

Please take a look and contact me if you have questions or would like to connect.

Overview of Required Training

IMPORTANT: Harbourview MYGA Rate Change

RATE CHANGE ALERT: Effective November 5, 2025, the rate for the Harbourview MYGA 2-Year will decrease by 0.10%.

What’s Changing:
• Harbourview 2-Year MYGA: Decrease rate by 0.10%

To Secure Current Rates:
• Applications must be signed prior to November 5, 2025
• Applications must be received by Oceanview within 14 calendar days of the application signed date
Please contact our sales team with any questions about these changes or for assistance with pending applications at (833) 656-7455.

Download MYGA Rates Here