November 19, 2025
Annuity Watch
In this issue:
Performance Elite product updates – Get details.
Introduce clients to the potential benefits of a Roth IRA – Learn more.
Could clients save 32% on the biggest expense in life?
Athene's Ascent Pro 10 Bonus fixed indexed annuity (FIA) can give your clients an opportunity to substantially reduce the cost of their future retirement income when compared to a common risk-based withdrawal approach. Consider a 62-year-old couple planning to retire in 5 years with a $25,000 annual income stream in addition to Social Security. Would your clients rather commit:
Year end closing dates for 2025 – Get details.
Differentiate with off-duration flexibility – 18 term lengths competitors don’t offer
Did you know we’re one of the only carriers that offers off-duration flexibility with 18 term durations: 10, 15yr – 30 (every year), and 35yr?
Increased Disability Income (DI) Non-Medical Limits
We’ve made an important update to help you better serve clients who need higher levels of DI coverage.
What's new? Updated non-medical limits by age:
Applies to new Personal Paycheck Power and Business Expense Power applications, effective now! Learn more.
Leaders in Longevity: The Food Compass
Dr. Mozaffarian's work at the Friedman School of Nutrition is shaping a new food policy to help improve outcomes in health, sustainability, and our economy. Find out what he believes can fix our food system in the fourth episode of Leaders in Longevity.
Weekly Market Intel - See the latest insights.
Stretching NQ Assets with Protection
When working with clients who inherit non-qualified annuities, they usually face three options:
By leveraging our OptiBlend Fixed Indexed Annuity as the stretch vehicle, you can provide your clients with:
This approach allows advisors to help clients preserve inherited wealth, optimize distribution strategies, and offer peace of mind in an uncertain market.
New ESVR and GI Rate Class
MassMutual has added an Enhanced Surrender Value Rider (ESVR) and Guaranteed Issue (GI) Rate Class to their Whole Life portfolio. These additions will help financial professionals meet the growing and evolving needs of small-business owners and high-net-worth customers.
Learn more.
Industry-leading Business Overhead Expense
It's designed to help ensure continuity of the business by reimbursing the day-to-day business overhead expenses for up to two years.
Discover BOE coverage that’s made to protect the way small businesses run — and the challenges they face when their owners can’t work due to a disability for an extended period.
Debrief60
In this issue:
Express Newsletter
In this issue:
Help clients navigate LTC planning with confidence
LTC Awareness Month is a great time to help your clients prepare to address potential LTC needs with Nationwide CareMatters Annuity.
CareMatters Annuity is a tax-qualified LTC solution that offers clients a simple way to maximize their assets for LTC coverage while protecting the other resources they’ve built for retirement or their legacy.
Are your clients building a legacy that lasts?
Just like a beautifully remodeled home isn’t complete without the final details, a financial plan isn’t complete without a clear legacy strategy. The Legacy section of the Financial Home Makeover magazine helps clients prepare for the future with intention and confidence. Visit the site.
Expand your client base with training, tools, and trust
In the latest episode of Annuity Chat, Jonah Hardenbrook, a seasoned Sales Director, discusses how to create value for clients and agents through strategic initiatives and training
Enhanced Asset Care coming November 24th – Get details.
A new standard for eDelivery coming November 24th – Get details.
Care Solutions interest rates – See the rates effective November 15th.
Multiple State Declarations Issued to Request Assistance for Policyowners Affected by the Government Shutdown (2025) – Read the bulletin.
Field News Monthly
In this issue:
Here’s a low-cost, permanent protection solution to consider
Help clients manage the financial impact of a chronic illness with the optional ExtendCare rider. Adding this benefit to a new Protective Lifetime Assurance UL policy gives them the flexibility to access funds, if needed.
Plus, this permanent protection solution offers greatly improved accelerated underwriting throughput for certain cases up to $1 million for clients 50 and younger.
See how ExtendCare works to offset chronic illness costs.
November’s sales idea: legacy planning
Whether clients are preserving existing wealth or are first-generation wealth builders, they all share a common goal: to pass their wealth and legacy safely to future generations.
Use the client profiler and other materials on November’s Trimester page to start meaningful conversations with clients about the main elements of their legacy plans, which typically includes tax-efficient wealth transfer, preparing for chronic illness costs, and business succession.
Remember, you don't have to be an expert to sell life insurance. You just need a great partner to work with!
Rate increases on many inforce IUL policies coming soon – Get details.
2025 Year End Guidelines – Get details.
Looking to help your clients grow cash value? Check out Symetra’s Nasdaq-100 Index strategies.
