Occtober 14, 2026
Rate Constant Annuity - standing out from the crowd
In a crowded field of fixed indexed annuities, the American National Rate Constant Annuity offers stability, consistency, and performance potential. Take a closer look at what sets it apart and how it can help meet the evolving needs of today's clients.
A major milestone for Horizon
Back in 2019, the Banner Life team set out on a mission: to make buying life insurance simpler, faster, and more accessible. That mission became Horizon, their digital experience designed to transform the journey for you and your customers alike.
Today, they’re excited to celebrate 1,000,000 applications submitted through Horizon! What started as a bold idea has grown into a platform that has helped so many families and individuals take an important step toward protecting what matters most.
Reaching one million applications wasn’t always a straight path, but every challenge was worth it knowing the impact they’ve made. Here's to the next million!
New IUL case studies and ready-to-use talking points
The new Max Accumulator+ III Sales Playbook brings the product to life with real life case studies, ready to use talking points – and a closer look at its newest section that shows how the optional Income for Life Rider flexes around the needs of 3 different client types. See more IUL resources.
Guaranteed Living Benefits – See the updates effective October 12th.
NEW Coverage Review Letters with Benefit Options for PCS II and Choice I Policyholders - Read the bulletin for MD.
LTC In-Force Rate Action for Louisiana: Choice I – Read the announcement.
New 1% Compound Benefit Increase Option available to eligible Choice I Policyholders - Read the update.
DI Coverage for Starting Professionals
Illinois Mutual offers disability income insurance (DI) coverage to individuals who are near completion of apprenticeships, licensing or accredited certification programs. The monthly benefit amount and options available will be based upon the intended occupation and expected income level. Learn more.
A new era of protection is here
What do clients want from life insurance, and how can you better meet those needs? Tune in to this latest episode of Hancock Talks to learn how product innovation, term conversion opportunities, and underwriting enhancements can help you address a broader range of client needs and deliver more value.
The Fed Raised Rates. Now What?
This client-approved chart highlights a timely market question: What has historically happened after the Fed hikes rates following an extended pause?
Answer: While volatility has often followed the first Fed hike after a long pause, longer-term S&P 500 returns have historically improved, averaging +9.9% one year later.
For clients concerned about near-term uncertainty but hesitant to miss future market gains, this can be an important conversation starter.
This client-approved OptiBlend S&P 500 Blended Strategy Flyer highlights how a blended S&P 500 allocation approach delivered an 8.26% annualized return over the last 10 years while maintaining downside protection.
With the Fed's latest move already driving client conversations, now is an ideal time to review this material and discuss how OptiBlend FIA fits into today's environment.
Term Pricing Improvement On October 12th, Lincoln LifeElements Level Term TermAccel were updated:
See details.
California approves Chronic Illness Rider on Lincoln WealthProtector IUL
Effective October 12th, the Chronic Illness Rider is available to add to new policies to pay a portion, or all, of the life insurance policy's death benefit to the policyholder (subject to the lifetime maximum) upon certification of a terminal illness or temporary or permanent chronic illness. See details.
IUL post-issue policy management tools
Four tools. Four jobs. Each one puts the right insights at Financial Professionals' fingertips to make it easier to gain policy insights and have more timely client conversations. See the tools!
4th Quarter 2026 Market Intel Exchange – Download it here.
Lincoln Leader for Life Solutions
In this issue:
New UL Guard and SUL Guard launched in California – Get details and product materials.
debrief60
In this issue:
Explore the New Annuity Hub -
Everything Annuities. One Convenient Hub. No Login.
In case you missed it, Mutual of Omaha recently launched a new online resource designed to make doing business easier. The Annuity Hub brings together the product information and resources you use most.
Express
In this issue:
Finish the year strong
As clients look ahead to another year, one question can help start the conversation: do they have an income strategy designed to last as long as retirement does?
With Income Pay Pro fixed index annuity (FIA), you can help clients turn retirement savings into guaranteed lifetime income, backed by the financial strength of A+ rated North American.
And with competitive Lifetime Payment Percentages (LPPs), there’s even more reason to take another look.
Run an income quote now.
How to discuss LTC as an asset protection strategy
Talking about long-term care can feel daunting, but it’s one of the most important conversations you can have with your clients. Click here for three ways to open the discussion with clarity and confidence. Then provide this resource that can be shared with clients as they begin discussing long-term care with their families: Extending LTC Conversation Family Members Brochure. Be sure to also visit the Asset Based LTC page for more.
Care Solutions interest rates – See the rates effective October 15th.
PL Promise Term: More than its new competitive pricing
In addition to its recent new pricing - with top-2 rates in 99% of preferred and standard non-tobacco risk class combinations - PL Promise Term offers:
Take another look at PL Promise Term - and explore the updated resources below.
Will relationships last beyond your client's wealth transfer?
Your biggest retention risk is waiting too long to engage with the next generation of clients.Protective's new research outlines 4 practical ways to connect earlier and create continuity across generations.
Read this white paper to learn how to:
October Sales Strategy: Expand your practice with target markets
The October Trimester page features resources and insights designed to help you engage target markets and broaden your reach. Learn how to:
Life Essentials
In this issue:
Symetra’s Accelerated Underwriting Program – Get complete details.
Year-end – See the important year-end business processing deadlines.
