Lincoln Financial Strengthens Term Life Pricing

Published on October 15, 2026
Lincoln Financial Group

NEW pricing improvement: Lincoln LifeElements and Lincoln TermAccel

Lincoln’s latest pricing update reinforces its focus on becoming the partner of choice for Term products that deliver affordable premiums, flexible options, and a streamlined application process—including automated underwriting, lab-free consideration and real-time offers for eligible clients.

Effective October 12, 2026, Lincoln announced pricing improvements to Lincoln LifeElements Level Term (2019) - 08/10/26 and Lincoln TermAccel- 08/10/26. Both products offer affordable term life insurance with level premium periods of 10, 15, 20 and 30 years.

Pricing Update

  • Lincoln LifeElements Level Term (2019) life insurance offers both a full application and a streamlined ticket submission process with automated underwriting and lab-free consideration for eligible clients.
    • Strengthened monthly premium positioning in line with Lincoln’s annual premium competitiveness
    • No premium increases
  • Lincoln TermAccel (2019) life insurance offers an entirely electronic ticket submission process with automated underwriting, lab-free consideration and no APS requirement.
    • Strengthened monthly premium positioning in line with Lincoln’s annual premium competitiveness
    • No premium increases

Regulatory Update

  • Interest rates have been updated to maintain compliance with NAIC Standard Nonforfeiture Law.

Transition Guidelines

For states that were approved at rollout, there is a 30-day transition period which began on October 12, 2026, and ends on November 11, 2026. Applications received on or after November 12, 2026, will receive the new pricing. During the transition period:

  • New applications received and applications currently in underwriting will automatically receive the lowest rates available.

  • For policies already issued, Lincoln will accept a written request to change to the 10/12/26 rates.
  • For policies already placed, normal internal replacement guidelines apply. Rewrites will not be allowed.
  • For states available after rollout, the above will automatically apply based on the availability date.

Illustration Software Updates

Lincoln DesignIt and WinFlex illustration systems were updated to reflect v75.0C as of October 12, 2026. For the best experience and access to the newest features, users should consider using the DesignIt online version, which offers enhanced capabilities beyond the desktop application. DesignIt Desktop users will need an active internet connection before being prompted to update. For users who need to download software, it is available on the Lincoln producer websites or from Field Office Technicians.

Available Riders

The following riders are available on all versions of Lincoln LifeElements and or Lincoln TermAccel (see state availability):

  • Accelerated Benefit Rider
  • Waiver of Premium Benefit
  • Children’s Level Term Insurance Benefit Rider

Find out more about these changes from Lincoln Financial...

AdminUpdate: Mutual of Omaha Streamlines Life Underwriting with MOMENTUM

Published on October 8, 2026
Mutual of Omaha logo

MOMENTUM Underwriting

MOMENTUM (Mutual of Omaha Modernized Experience for Next-Generation Technology-Enabled Underwriting Model) provides a faster, more streamlined underwriting experience for eligible fully underwritten life applications. Using available data and instant reports, cases move toward a decision with fewer unnecessary steps.

MOMENTUM Underwriting Details

  • Issue Ages and Face Amounts:

    • 18-55: $100,000 - $2,000,000

    • 56-60: $100,000 - $1,000,000

  • Maximum Total Line: $5,000,000

  • Applications: All available submission types

  • Products Available:

    • Term Life Answers (10-, 15-, 20- and 30- year)

    • Income Advantage Indexed Universal Life (IUL)

    • Life Protection Advantage IUL

    • AccumUL Answers

Qualification Requirements

  • Build must be standard or better

  • No major medical conditions (See Unacceptable Medical Conditions list)

  • Any previously underwritten United of Omaha policies must have been approved at Standard or better, if applicable

  • Applicant must be a U.S. citizen or legal permanent resident with no planned travel to hazardous locations

  • No more than one death of a parent prior to age 60 due to heart disease

  • No convictions for DUI or reckless driving within the last five (5) years

  • No felony convictions in the last ten (10) years

  • No life, health or disability insurance has been rated or declined

  • No flying as a private pilot or crew member

  • No hazardous activities in the last two (2) years

Note: Current nicotine/tobacco guidelines apply.

Please see the MOMENTUM Underwriting Brochure for additional details

Find out more about these changes from Mutual of Omaha...

AdminUpdate: Two-Class Underwriting Upgrade Available from Mutual of Omaha through Year End

Published on October 6, 2026
Mutual of Omaha logo

Give eligible indexed universal life insurance (IUL) cases enhanced underwriting.

Mutual of Omaha Is Increasing Your Ways to Win With Two Distinct Opportunities

  • Up to 2-Class Improvement on Income Advantage IUL and Professional Advantage IUL

    • Available for natural underwriting offers of Standard or better on Income Advantage IUL and Professional Advantage IUL only.

    • Standard to Preferred.

    • Standard Plus to Preferred Plus.

    • Preferred to Preferred Plus.

    • Preferred Plus is the best available class.

    • Applies to qualifying cases from $2,000,001 to $10 million.

    • No more than $10 million total life insurance in place with United of Omaha Life Insurance Company.

    • Cannot be combined with MOMENTUM (Mutual of Omaha Modernized Experience for Next-Generation Technology-Enabled Underwriting Model) underwriting.

  • FIT Underwriting Program

    • FIT cannot be used with the Standard-or-better 2-class improvement.

    • Applicants naturally rated Table 1 through Table 4 may qualify for FIT.

    • FIT may improve a qualifying rated case, potentially to Standard.

Underwriting Enhancement Product and Applicant Eligibility

  • Eligibility Period: Applies to eligible Professional Advantage IUL and Income Advantage IUL applications originally submitted Oct. 1 to Dec. 31, 2026.

  • Age: Life insurance applicant must be age 65 or younger.

  • Products: Professional Advantage IUL and Income Advantage IUL only.

  • United of Omaha Retention: Existing in-force coverage plus the new amount applied for cannot exceed $10 million.

  • Other Carriers: Coverage in force with other carriers does not count toward the $10 million program limit.

Make the Most of These Opportunities

  • More flexibility

  • More 1035 opportunities

  • All season long: Oct. 1 to Dec. 31, 2026

ProdMod: Securian Enhances VUL Defender Protection and Growth Potential

Published on October 5, 2026
Securian Logo

VUL Defender is evolving

Built on the protection-first foundation you know, Variable Universal Life (VUL) Defender will soon bring together competitive pricing, enhanced growth potential and meaningful flexibility in one solution designed for a broader range of client needs.

Get ready for protection that lasts and performance that delivers.

Transition rules

Here’s what you need to know as Securian transitions to the new VUL Defender rates:

  • Applications received before Monday, October 12, 2026, will be issued with the current rates.
  • Applications received on or after Monday, October 12, 2026, will be issued with the new rates.
  • California and Oregon: New VUL Defender rates are not yet available. Current rates will remain in effect until the new rates are approved.

Please see the Formal Announcement from Securian and VUL Defender Product Page for additional details

Find out more about these changes from Securian...

ProdMod: Nationwide Expands CareMatters II Benefits and Payment Options

Published on October 2, 2026
Nationwide Logo

Transition Guidelines: Nationwide CareMatters II enhancements

On September 14, 2026, Nationwide CareMatters II received several enhancements designed to provide greater client value and improve consistency across the CareMatters Suite of products.

CareMatters II Enhancements

  • Waiver of Premium while long-term care benefits are being paid is now included with all premium payment durations and waives the full premium amount. This waiver was added to all policies issued on or after January 1, 2026.
  • A pricing discount when a lump sum premium/1035 exchange is combined with a recurring premium option.
  • Added three new options; 20-pay premium duration, 8-year benefit period, and 3% compound for 20 years long-term care inflation protection.
  • Discontinued the availability of the Step-Up ROP option (except in NY), Pay to age 65 payment option, and 3% simple inflation protection option.

Important Dates and Information

  • September 14, 2026
    • Applications electing a discontinued option had to be signed prior to September 14th, 2026.
    • The features added with the CareMatters II Enhancements became available to illustrate and apply for beginning September 14th, 2026.
  • October 2, 2026
    • Applications signed before September 14th must be received at Nationwide no later than October 2nd, 2026, to receive a discontinued CareMatters II feature.
  • November 30, 2026
    • Applications signed before September 14th must be in force and funded by November 30th, 2026, to receive a discontinued CareMatters II feature.

Please see the Formal Announcement from Nationwide for additional details

Find out more about these changes from Nationwide...

ProdMod: Banner Life Lowers OPTerm Rates Across All Term Lengths

Published on September 25, 2026

FROM BANNER LIFE...

Pricing you can count on from Banner Life Insurance Company.

Starting September 22, 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 they got to be the #1 term life insurance carrier in the U.S., and it’s what you can expect from thems day in and day out.

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

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

Please see OPTerm Administrative Guidelines for additional details

Find out more about these changes from Banner Life...

AdminUpdate: John Hancock Expands Non-Invasive Underwriting

Published on September 25, 2026

FROM JOHN HANCOCK...

A smarter future in underwriting

Delivering non-invasive decisions to many more clients — requesting only what’s needed to make the best possible offer

John Hancock recognizes that the future of underwriting is not about collecting more information, it’s about making better use of what the company already has access to. And John Hancock is putting that knowledge into action.

John Hancock is expanding its use of available medical records and electronic health data to help arrive at a non-invasive decision on more cases, turning to exams or labs only when they add meaningful value.

Use what John Hancock knows

Draws on available information instead of traditional routine requirements.

Deliver a simpler process

Reduces unnecessary requirements and focuses on the evidence that truly matters, helping more clients enjoy a frictionless experience.

Reach more clients

Provides broad accessibility across virtually an advisor’s entire book of business.

Submission parameters

  • Issue ages 18-70
  • All face amounts,* products, and submission types (formal and informal)
  • Medical records must include a recent physical, provider-recommended screenings, etc.
  • Requirements should be ordered only when requested by a John Hancock underwriter (i.e., not prior to submission)
  • Not available for:
    • Foreign residency/foreign nationals
    • Professional athletes
    • Celebrities
    • Proposed insureds who have had an insurance exam and labs performed by another company within the last 12 months

Note: There is no change to submissions that are eligible for John Hancock ExpressTrack.

*Face amounts up to autobind limits (i.e., $75M for individual coverage on a permanent product).

Find out more about these changes from John Hancock...

ProdMod: Prudential Announces Q4 Index Account Changes

Published on September 24, 2026

FROM PRUDENTIAL...

Q4 2026 Index Account Changes

Prudential is committed to maintaining financial discipline and continues to review hedge budgets and hedge costs that impact index accounts offered on currently sold and no longer sold products. Their recent hedge budget and hedge cost experience allow the opportunity for increased caps across the Nasdaq index accounts across the portfolio. However, caps for the FlexGuard Life products decreased. These changes will be effective for index segments starting October 15, 2026.

Please see the Formal Announcement for the complete list.

Find out more about these changes from Prudential...

ProdMod: Prudential Brings Revised SVUL Protector to California

Published on September 23, 2026

FROM PRUDENTIAL...

On Monday, September 28 2026, the revised SVUL Protector (Issue Basis 308) with new optional No-Lapse Guarantee Riders will be introduced in California. The following rules apply to any request for New Business or Term Conversion.

IMPORTANT DATES

  • September 28, 2026 (Ready to Sell Date): The revised 2025 version of SVUL Protector is available for sale in California.
  • October 16, 2026 (Application Signed and Received Date): All applications for the retired 2024 version of SVUL Protector (Issue Basis 307) must be signed and received by our Home Office on this date by 4 p.m. ET.
  • December 18, 2026 (Issue Date): Last day that a pending case can be issued for the retired version of SVUL Protector. All issued cases will be subject to placement rules as described in client’s policy package.
  • December 18, 2026 (1035 Exchange Date): Cases involving 1035 exchange must be initiated/started by this date to retain old rates for the retired version of SVUL Protector.

APPLICATIONS WITH PENDING OWNERSHIP ARRANGEMENTS

Updates to applications as part of establishing a trust or finalizing the ownership arrangement can be made after the application deadlines outlined in the Transition Rules. However, these cases must still meet the application deadlines for the original application and comply with all other deadlines outlined in the Transition Rules.

INFORMAL/INQUIRY APPLICATIONS

Informal/Inquiry applications will not be eligible for the old product unless replaced by a signed live application that is received by the Application Signed and Received Date outlined in the transition rules.

REQUESTS FOR NEW RATES

Requests for changes to the New Rates will be permitted consistent with the following current practice:

  • Any pending case or issued policy that is not yet delivered with an application date prior to the Ready to Sell Date can be changed to New Rates, as long as the request for change is made on or after the Ready to Sell Date. If you are planning to backdate to save age, please refer to the Backdating section below for additional restrictions for cases requesting new rates.

BACKDATING

  • A policy cannot be backdated more than six months prior to the application date.
  • A policy with New Rates can be dated prior to the state introduction date as long as the application meets the requirements in the IMPORTANT DATES above.
  • The policy effective date cannot be beyond six months prior to the Ready to Sell Date. This applies to all policies, including all applications and policies with in the 90-day new business change period requesting new rates.

TERM CONVERSIONS

  • Term Conversions are subject to the same dates in the Important Dates section above. They must also be conversion eligible at the time of application.

Find out more about these changes from Prudential...

ProdMod: North American Revises ADDvantage Term Rates

Published on September 22, 2026

FROM NORTH AMERICAN LIFE...

Upcoming ADDvantage Term Rate Changes

North American remains committed to their policyowners and distribution partners and to making decisions with the long term in mind. As part of that commitment, they are making rate changes to ADDvantage Term to help support the product’s long-term viability while continuing to offer a competitive term solution with standout features.

Effective Sept. 28, 2026, North American will revise level term and post-level term premium rates for ADDvantage Term.

Key product highlights

ADDvantage Term continues to be a competitive term life insurance solution offering additional value through included product features, such as:

  • Accelerated death benefit endorsement for critical, chronic, and terminal illnesses included at no extra cost, subject to eligibility requirements.
  • Full convertibility – Clients can convert their term insurance to permanent universal life coverage without underwriting.
  • 10, 15, 20 and 30-year level premium guarantee periods, depending on issue age.

Important transition dates

Electronic applications for ADDvantage Term The rate received will be determined by when the eApplication is locked, signed, and submitted.

  • eApplications locked, signed, and submitted on or before Sept. 27, 2026, will receive the current rates.
  • eApplications locked, signed, and submitted on or after Sept. 28, 2026, will receive the new rates.
  • If an eApplication is locked on or before Sept. 27, 2026, but is not signed until Sept. 28, 2026, or after it will be updated to the new rates. To receive the current rates, eApplications must be both locked and signed by Sept. 27, 2026.

Paper applications for ADDvantage Term

The rate received will be determined by the date the application is signed.

  • Paper applications signed on or before Sept. 27, 2026, will receive the current rates.
  • Paper applications signed on or after Sept. 28, 2026, will receive the new rates.
  • Paper applications should be received within 7 calendar days of when they are signed.

Please see the Formal Announcement from North American Life for additional details

Find out more about these changes from North American Life...

ProdMod: John Hancock Launches Core Term and Expands Flexibility

Published on September 22, 2026

FROM JOHN HANCOCK...

One portfolio. Three ways to win.

Introducing a more competitive term portfolio from John Hancock Whether your client prioritizes price, future flexibility, or the benefits of healthy living, John Hancock now offers a term solution designed to help you compete with confidence.

NEW! Core Term: Competitive protection made simple

For clients focused on price and reliability.

  • Leading, cost-efficient protection
  • Easy-to-understand, dependable coverage
  • An ideal solution when the primary concern is cost

Protection Term: More flexibility for what comes next

For clients who want protection today and more options for the future.

  • Enhanced conversion opportunities
  • Greater flexibility for future-planning needs
  • Strong balance of protection and value

John Hancock Vitality Term: Healthy choices can mean greater value

For clients who want coverage that complements their wellness journey.

  • Rewards healthy habits
  • Potential premium savings through participation in Vitality PLUS
  • Wellness-focused approach to life insurance

Transition rules

  • September 21, 2026: New applications for Protection Term 25 and John Hancock Vitality Term 25 will be accepted through Friday, September 18th 2026.
  • September 21, 2026 - October 16, 2026: For pending policies being issued between September 21, 2026 and October 16, 2026, the policy will be processed using the product originally selected. If you would like to change the product to the new 2026 product, please contact your New Business Case Manager to assist you. To issue policies with old rates, all pending applications must complete formal underwriting process and all administrative requirements must be received by John Hancock by October 16, 2026.

State approvals

  • Core Term is approved in all states except: Florida, New York, and Guam
  • Protection Term is approved in all states except: New York, and Guam
  • Vitality Term is approved in all states except: New York, and Guam

Please see the Term Portfolio Launch Flyer for additional details

Find out more about these changes from John Hancock...

ProdMod: John Hancock Launches New PIUL with Available Lifetime Guarantees

Published on September 21, 2026

FROM JOHN HANCOCK...

Introducing the enhanced Protection IUL

Lifetime guarantees. Greater potential. More ways to protect.

John Hancock’s Protection IUL just got even stronger with the addition of the optional Enhanced Death Benefit Protection rider. This new rider provides access to extended death benefit guarantees, including a lifetime guarantee option, while maintaining the opportunity for cash value growth. The guarantee duration can be customized to help align protection, premium, and client goals. There are no other changes to the base Protection IUL 26 product.

State approvals

Protection IUL 26 with Enhanced Death Benefit Protection rider is approved in all states except Florida and New York. Internal replacements may be available, please refer to the Internal Replacement Guidelines for additional information.

Please see the Protection IUL 26 Launch Flyer for additional details

Find out more about these changes from John Hancock...

ProdMod: North American Boosts Inforce Builder Plus IUL Cap Rates

Published on September 16, 2026

FROM NORTH AMERICAN LIFE...

Raised cap rates on select inforce IUL products

North American continues to find ways to bring more value to you and your clients—while making long-term decisions that help ensure they remain strong, stable, and well positioned to keep the commitments they’ve made to policyholders and distribution partners.

As part of that commitment, North American is pleased to announce a +0.25% increase to S&P 500 cap rates for the following previously marketed indexed universal life (IUL) insurance products:

  • Builder Plus IUL 2
  • Builder Plus IUL 3

No other cap, participation, or spread rate changes are being made to inforce business. These changes have taken effect for index segments that renew on or after September 14, 2026.

Software update

The illustration software was updated on September 14, 2026.

Find out more about these changes from North American Life...

ProdMod: Mutual of Omaha Expands Term Life Express Living Benefits to California

Published on September 11, 2026

FROM MUTUAL OF OMAHA...

Living Benefit Riders for TLE: Now Available in California

As of September 2, 2026, Term Life Express will now also include no-cost Living Benefit Riders in California.

The Living Benefit package will include three Accelerated Death Benefit Riders at no additional cost to the customer:

  • Chronic Illness
  • Terminal Illness
  • Critical Illness

Here’s What You Need to Know:

  • Sales effective date: September 2, 2026
  • Now available in California and all other states, except New York.
  • All marketing materials are now available on Sales Professional Access (SPA)
  • The Living Benefit includes three Accelerated Death Benefit Riders
    • May vary by state
  • No-cost riders
  • No additional underwriting required

Transition Rules:

For applications signed prior to September 2, 2026:

  • These will require Form L8584 to be completed during underwriting or upon delivery for the Accelerated Death Benefit Rider.

For apps signed September 2, 2026 and later:

  • These will require Form L49500 to be completed during underwriting or upon delivery for the Accelerated Death Benefit Rider.

Find out more about these changes from Mutual of Omaha...

AdminUpdate: Principal Broadens Accelerated Underwriting and Non-Tobacco Eligibility

Published on September 9, 2026

FROM PRINCIPAL...

Accelerated Underwriting Expansion

Principal has expanded their Accelerated Underwriting (AU) to support eligible cases with face amounts up to $5 million. By leveraging advanced digital evidence earlier in the underwriting process, more qualified clients can receive decisions with less friction and fewer requirements. This broader AU lane allows more cases to move forward efficiently, helping reduce delays and improve the overall client experience.

Please see Accelerated Underwriting Overview for additional details

DHD in lieu of APS

Principal is also increasing their use of digital health data (DHD) as an alternative to the traditional Attending Physician Statement (APS) when appropriate. For eligible cases, DHD can provide the information needed to make underwriting decisions without waiting for medical records to be requested and delivered. This helps minimize one of the most common sources of underwriting delays while maintaining the confidence, consistency, and integrity you expect from Principal’s underwriting process.

New Nicotine Pouch Guidelines

Principal has updated its underwriting approach for Zyn and other nicotine pouch users to better reflect non-combustible nicotine use. Qualifying applicants may now be eligible for non-tobacco rates when the following requirements are met:

  • Nicotine pouch use must be admitted on the application.
  • CRL must be used for laboratory testing.
  • Labs must be fresh—four weeks old or less, with testing available through week five.
  • CRL testing must confirm non-combustible nicotine use.
  • The updated guidelines do not apply to vaping.
What do these improvements mean to you and your clients?
  • More opportunities for faster decisions on eligible cases
  • Fewer underwriting requirements when digital evidence provides what’s needed
  • Less time spent managing APS delays and follow-up
  • A smoother experience for clients from application to policy issue

Find out more about these changes from Principal...

ProdMod: Security Mutual Debuts Two Whole Life Designs

Published on August 31, 2026

FROM SECURITY MUTUAL LIFE...

Introducing the Security Whole Life Series

Security Mutual Life is pleased to introduce a new Security Whole Life Series of participating whole life insurance products, beginning with SecurityFlex, a new LPIO0, and SecurityPro, a new LP121, effective September 1, 2026. These competitively designed products will replace the current Security Designer WL4U3 series LPIO0 and LP121 products, which will be discontinued effective September 1, 2026. The Security Designer WL4U3 LP65, 10 Pay and WL4U2 Unisex products will remain available.

A new life insurance application will be published and available referencing the new Security Whole Life series and will be required for all products starting September 1, 2026. Any application submitted after September 1, 2026, must use this new application, or the application will be returned.

A new lien-based Chronic Illness Accelerated Death Benefit Rider will be introduced for the new product series (SecurityPro and SecurityFlex). This new rider will not be available on the WL4U3 LP65, 10 Pay, or the WL4U2 Unisex products. Additional details regarding the Chronic Illness Accelerated Death Benefit Rider for these products are outlined below.

The SecurityPro and SecurityFlex bring enhancements to the Paid-Up Additions Rider and the Term and Paid-Up Combination (Combo) Rider, in addition to two new riders, the Combo Encore Rider, and the Children's Term Insurance Benefit Rider. These changes are only applicable to the new SecurityPro and SecurityFlex products, and will not be available on the Security Designer WL4U3 series or the WL4U2 Unisex. Additional details regarding these new riders and enhancements are outlined below.

Products in the new Security Whole Life Series feature a contractual maturity age of 121, allowing coverage and policy values to continue through advanced ages in accordance with the policy's terms. The Security Whole Life Series is designed to help support specific customer needs.

KEY DATES

  • August 28, 2026
    • Illustrations for the new Security Whole Life Series (SecurityPro and SecurityFlex) will be available on or about this date.
  • August 31, 2026
    • Applications received or pending for the Security Designer WL4U3 LPIO0 and LP121 will be processed as a Security Designer WL4U3 series product.
    • Agents wishing to change pending Security Designer WL4U3 LPl00 and LP121 submissions to the new Security Whole Life Series will be required to submit a new application.
  • September 1, 2026
    • Applications for Security Designer WL4U3 LPl00 and LP121 received in the Home Office on or after this date will be returned.
    • Note: Applications have been revised. As of this date, all submitted applications must use the most current application version.
  • December 31, 2026
    • All policies issued for the Security Designer WL4U3 LPlO0 and LP121 must be paid and placed in force by this date. All WL4U3 LPIO0 and LP121 policies not placed in force prior to January 1, 2027, will be processed as Not Taken.
    • Note: Effective this date, all pending applications for Security Designer WL4U3 LPlOO and LP121 require submission of a new application for the Security Whole Life Series. Pending applications without a replacement application will be withdrawn.

Please see the Formal Announcement from Security Mutual Life for additional details

Find out more about these changes from Security Mutual Life...

AdminUpdate: Symetra Upgrades Qualifying IUL Offers Through Year-End

Published on August 26, 2026

FROM SYMETRA...

2026 Automatic Upgrade Program: Taking Offers To New Heights

Effective August 24, 2026, Symetra is automatically upgrading qualifying IUL offers to Preferred or Super Preferred. Insurance Affiliates can access more competitive illustrations on eligible new and pending cases.

Upgrading Standard Offers on IUL

  • Protector IUL
    • Standard or better upgraded to Preferred
    • Up to $5 million of coverage
    • Eligibility is dependent upon available retention
  • Accumulator Ascent IUL
    • Standard or better upgraded to Super Preferred
    • Up to $10 million of coverage
    • Eligibility is dependent upon available retention

Who Qualifies

  • Age 60 or younger(insurance/issue age)
  • Standard or better
  • Full and Accelerated Underwriting
  • Domestic and HNWFN business
  • Tobacco Use Applicants
    • Standard Tobacco upgraded to Preferred Tobacco

Exclusions

  • Standard offers developed through GLRs
  • SwiftProtector cases
  • In force policies
  • Coverage above the program maximums

Important Dates

  • August 24: Program launch
  • December 11: Last day for informal offers
  • December 18: Formal applications must be received
  • December 31: Policies must be issued and placed; 1035 exchanges must be initiated

Disclosures

  • Program offers may not be combined between Accumulator Ascent IUL and Protector IUL. Offers for the same insured must be for the same product, subject to the program limits.
  • Backdating to save age is not permitted.
  • High-Net-Worth Foreign National (HNWFN) applicants who reside in a “C” country are not eligible for this program
  • Upgrades apply automatically to qualifying cases with no special opt-in required.
  • New Business and Underwriting will proactively revisit offers on cases approved June 1st and later that are not in force
  • In-force policies are not eligible.

Find out more about these changes from Symetra...

ProdMod: Securian Raises Inforce IUL Caps and Participation Rates

Published on August 17, 2026

FROM SECURIAN...

IUL policy rate increases

At Securian Financial, their mutual heritage means they focus on long-term value - not short-term trends. This commitment has been demonstrated by strong historical interest crediting for their indexed universal life (IUL) policyholders and continues today with increases in caps & participation rates on many inforce IUL policies. These increases are a direct reflection of their enduring financial strength and disciplined management through all market environments.

As always, Securian’s goal is to help you deliver lasting value and confidence to the clients who trust you with their financial future.

New rates take effect August 22, 2026

Premium received and index segments created on or after August 22 will receive the new rates. Premium received by August 21 will continue to use current rates. Illustrations will update on August 22, 2026.

Please see the Formal Announcement for additional details

Find out more about these changes from Securian...

New York Life Asset Flex Leads Key ABLTC Designs

Published on August 13, 2026

The latest update to the Asset-Based LTC Benchmarking available on AIN Essentials included an eye-opening performance by New York Life.

Their recently updated Asset Flex product now offers either Reimbursement or Indemnity benefits and is crushing all competitors in some designs.

More specifically, if you have clients in their mid 60s to age 70, there are multiple designs where New York Life Asset Flex is the best-priced product against all competitors for both benefit types!

Male, Age 70 | 3% Compound | $100,000 Single Pay | Reimbursement Benefits

  • 4 Year Benefit @ Age 80
    • New York Life: $7,980 per month
    • Nearest Competitor: $6,143 per month
    • A benefit increase of 30%!
  • 6 Year Benefit @ Age 80
    • New York Life: $7,479 per month
    • Nearest Competitor: $5,928 per month
    • A benefit increase of 26%!

Click here for the illustrations

Male, Age 70 | 3% Compound | $100,000 Single Pay | Indemnity Benefits

  • 4 Year Benefit @ Age 80
    • New York Life: $6,793 per month
    • Nearest Competitor: $5,843 per month
    • A benefit increase of 16%!
  • 6 Year Benefit @ Age 80
    • New York Life: $6,041 per month
    • Nearest Competitor: $5,575 per month
    • A benefit increase of 8%

Click here for the illustrations

Female, Age 65 | No Inflation | $10,000 10-Pay | Reimbursement Benefits

  • 4 Year Benefit
    • New York Life: $6,907 per month
    • Nearest Competitor: $5,453 per month
    • A benefit increase of 27%!
  • 6 Year Benefit
    • New York Life: $6,454 per month
    • Nearest Competitor: $5,150 per month
    • A benefit increase of 25%

Click here for the illustrations

Female, Age 65 | No Inflation | $10,000 10-Pay | Indemnity Benefits

  • 4 Year Benefit
    • New York Life: $6,401 per month
    • Nearest Competitor: $5,453 per month
    • A benefit increase of 17%!
  • 6 Year Benefit
    • New York Life: $5,801 per month
    • Nearest Competitor: $5,150 per month
    • A benefit increase of 13%

Click here for the illustrations

This pattern plays out over and over again across other designs, with New York Life occupying the #1 competitive position in all four benefit designs:

  • 4-Year Reimbursement
  • 4-Year Indemnity
  • 6-Year Reimbursement
  • 6-Year Indemnity

And it’s not just the older ages. Asset Flex is winning cases from age 55 to 70 for both males and females. If you haven’t been running them on your Asset-Based LTC cases, you’re missing a great price from an insurance company with impeccable financial ratings and a long history in the LTC market.

Reach out to Mike Johnson, Mike.Johnson@advantageinsurance.com, on the AIN team to learn more!

ProdMod: Lincoln Term Pricing Gets More Competitive

Published on August 13, 2026

FROM LINCOLN FINANCIAL...

Pricing Improvement: Lincoln LifeElements and Lincoln TermAccel

Effective August 10, 2026

Lincoln Financial’s latest pricing update reinforces their focus on becoming your partner of choice for Term products that deliver affordable premiums, flexible options, and a streamlined application process—including automated underwriting, lab-free consideration and real-time offers for eligible clients.

Effective August 10, 2026, Lincoln has announced pricing improvements to Lincoln LifeElements Level Term (2019) - 08/10/26 and Lincoln TermAccel- 08/10/26. Both products offer affordable term life insurance with level premium periods of 10, 15, 20 and 30 years.

Transition Guidelines

For states that are approved at rollout, there is a 30-day transition period which begins on August 10, 2026, and ends on September 9, 2026. Applications received on or after September 10, 2026, will receive the new pricing. During the transition period:

  • New applications received and applications currently in underwriting will automatically receive the lowest rates available.
  • For policies already issued, Lincoln will accept a written request to change to the 08/10/26 rates.
  • For policies already placed, normal internal replacement guidelines apply. Rewrites will not be allowed.
  • For states available after rollout, the above will automatically apply based on the availability date.

For additional details, see the Formal Announcement

Find out more about these changes from Lincoln Financial...