AdminUpdate: Banner Life Retiring LGA Forms May 1

Published on April 28, 2026

FROM BANNER LIFE FAMILY OF COMPANIES...

ICYMI: Brand Update

Old forms will be sunset on May 1, 2026

In February, Legal & General America rebranded to the Banner Life family of companies. With the change in name comes a change in forms. All LGA forms will be sunset on May 1, 2026. That means no LGA-branded forms will be accepted after April 30, 2026.

You can find all the newly branded forms on Partner Dashboard. Please use the available forms to replace all your existing LGA-branded materials.

As a reminder, there are also new brand guidelines and resources available on the Banner Life family of companies’ website.

Find out more about these changes from Banner Life Family of Companies...

ProdMod: Foresters Term is Top of The Charts!

Published on April 27, 2026

FROM FORESTERS...

Your Term for Today’s Market

New rates. New bands. New reasons to say “Yes.”

Foresters has lowered their medical rates across every cell spanning all ages, durations and underwriting classes. It’s easy for Your Term to fit into your client’s budget!

Open the door with competitive prices. Keep the conversation going with amazing benefits and an empowering purpose.

Your Term medical at a glance

  • 10-, 15-, 20-, 25- or 30-year term lengths
  • Coverage available up to age 80
  • Now with four premium rate bands
    • Band 1: $100,000–$249,999
    • Band 2: $250,000–$499,999
    • Band 3: $500,000–$999,999
    • Band 4: $1,000,000+

Foresters Accelerated Underwriting helps more clients qualify quicker

If qualified, your client can obtain coverage without lab tests, medical exams or tele-med interviews, making the process quicker and more convenient. This streamlined approach helps you deliver a smoother experience and get clients protected sooner.

  • All eligible clients will be automatically assessed for acceleration
  • Expanded age up to 65
  • Expanded face amount limits up to $2,000,000
    • 18 to 60 up to $2,000,000 including tobacco users
    • 61 to 65 up to $1,000,000 including tobacco users
  • Broader eligibility, including smokers and those taking hypertension or cholesterol medications

Please see the formal announcement for additional details

Find out more about these changes from Foresters...

ProdMod: Nationwide Reduces Whole Life Rates in Core Ages

Published on April 17, 2026

FROM NATIONWIDE...

Nationwide Whole Life Reprice

Nationwide is happy to share that Nationwide Whole Life 100 and Nationwide 20-Pay Whole Life have undergone a targeted reprice, which has resulted in a 5% - 15% decrease in rates for ages 50-70.

Nationwide Whole Life 100 and 20-Pay Whole Life offers guaranteed protection that is not tied to dividends or market performance. These products provide certainty and stability for your clients, delivering lifelong coverage without relying on unpredictable returns.

This reprice is effective April 13th, 2026.

To learn more about Nationwide Whole Life, please see the Whole Product Guide

Find out more about these changes from Nationwide...

ProdMod: Prudential IUL & FlexGuard Index Cap Updates

Published on April 9, 2026

FROM PRUDENTIAL...

Q2 2026 Index Account Changes

Prudential is committed to maintaining financial discipline and continue 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 many of the index account and buffered strategies across their portfolio.

These changes will be effective for index segments starting April 15, 2026.

Please see the formal announcement for additional details.

Find out more about these changes from Prudential...

ProdMod: Lincoln Financial In-Force IUL Update

Published on April 8, 2026

FROM LINCOLN FINANCIAL...

Coming soon:

Additional indexed accounts are being made available to select inforce Indexed Universal Life insurance policies

Effective April 13, 2026, two new indexed accounts will be available on select in force IUL policies. These S&P based, enhanced volatility controlled accounts are being offered in response to the strong feedback received since their 2025 introduction in Lincoln’s Elite Indexed Universal Life Portfolio.

Featuring higher index volatility targets than typically available in the market, the new accounts offer clients additional optionality and expanded performance potential.

These updates reflect Lincoln’s continued commitment to evolving our indexed account lineup to meet producer and client needs while supporting long term policy performance opportunities.

Financial professionals will receive email notification prior to the effective date. A letter will be sent to Policyholders once the accounts are active.

Deadlines for adjusting future allocations

For policy owners wanting to allocate to either of these new accounts, for segments maturing on April 15th, 2026, the deadline to submit the updated allocation form to Lincoln’s home office is April 13, 2026.

Adding the accounts to other IUL products

Lincoln Financial is actively working to make these accounts available on additional products as quickly as possible while ensuring a seamless and superior customer experience. Financial professionals will receive email notification prior to the effective date. A letter will be sent to Policyholders once the accounts are active.

Illustration Software Updates

Lincoln DesignIt and WinFlex illustration systems will reflect v73.0D as of April 13, 2026. For the best experience and access to the newest features, 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. If you need to download software, it is available on the Lincoln producer websites or from Field Office Technicians.

Please see the official announcement for additional details

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

Nationwide CE Webinar Series: Stay Current, Stay Competitive

Published on April 6, 2026

FROM NATIONWIDE...

Nationwide is offering a series of continuing education (CE) webinars covering planning strategies that will help us all sharpen our tool set while accumulating continuing education hours.

The next virtual session is scheduled for April 9, making now the perfect time to reserve your spot and plan your CE credits.

These sessions cover timely topics across retirement, life insurance, and advanced planning strategies—giving you practical insights you can apply immediately in client conversations.

Whether you're looking to deepen technical knowledge or simply stay compliant, these webinars provide a convenient way to invest in your professional growth.

Register Now!

ProdMod: Mutual of Omaha Raises TLE & IULE Face Amount Limits

Published on April 2, 2026

FROM MUTUAL OF OMAHA...

Higher face amounts for TLE & IULE beginning 4-1-2026

Effective April 1, 2026, Mutual of Omaha is increasing the maximum face amounts available on Indexed Universal Life Express (IULE) and Term Life Express (TLE). This enhancement gives you more room to recommend coverage that better aligns with today’s lifestyles — without sacrificing the speed and simplicity you expect from our Express portfolio

What’s Changing

The maximum face amounts on IULE and TLE are increasing across all age bands:

  • Ages 18–50: from $300,000 to $550,000
  • Ages 51–60: from $250,000 to $450,000
  • Ages 61–75: from $150,000 to $350,000

These higher limits apply to new business policies only and are available beginning April 1, 2026

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

ProdMod: North American Announces IUL Rate Changes

Published on April 2, 2026

FROM NORTH AMERICAN...

Updates to cap rates, participation rates, spreads, and maximum illustrated rates

North American is pleased to announce increased cap rates on select inforce indexed universal life (IUL) policies. In addition, they are making some changes to participation and spread rates for currently marketed products, and updating our maximum illustrated rates.

Software update

The illustration software has been updated as of April 1, 2026.

Raised cap rates on select inforce IUL products

North American will be implementing a +0.25% increase to S&P 500 Cap rates for the following products:

  • Builder IUL7
  • Builder IUL8
  • Builder Plus 1

No other cap, participation, or spread rate changes are being made to the inforce business. These changes will take effect for index segments that renew on or after April 1, 2026.

Please see the full IUL Rate Update Bulletin for additional details

AG49-C: Changes to IUL illustrations

The National Association of Insurance Commissioners (NAIC) has adopted a new update to Actuarial Guideline 49 (AG 49). The Life Actuarial Task Force as approved this update, referred to as AG49-C, which further refines how indexed universal life (IUL) insurance illustrations may be presented.

These changes will not impact competitiveness or illustrated policy performance. They will only impact the tables and disclosures permitted within illustrations to help increase consistency and transparency in how illustrated performance is shown.

Please see the full AG49-C: Changes to IUL Illustrations Bulletin for additional details

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

ProdMod: Securian Releases Updated AG49 Compliant Illustrations

Published on April 1, 2026

FROM SECURIAN...

AG49-A update: What’s changing

Carriers must update illustrations before April 1, 2026 deadline

All carriers must update their illustrations to comply with AG49-A regulation changes before the April 1 deadline. Securian’s illustrations will update on March 28, 2026. Here’s a quick rundown of what you and your agents need to know.

What is AG49-A?

AG49-A updates standardize how indexed universal life policies can display hypothetical historical index account returns. Under the new rules, hypothetical historical returns may only appear in an illustration when the index has sufficient real market history based on the index inception date.

If an index does not meet that requirement, illustrations can no longer display those hypothetical historical examples. All carriers must implement these updates before April 1, 2026.

Securian updated their illustration system on Saturday, March 28, 2026 to reflect the required changes.

AG49-A’s impact on you

You and your agents may notice that some indexed accounts no longer show hypothetical historical index account returns in the illustration.

Key regulation changes that drive this:

  • In order to limit the use of synthetically backcasted data when showing hypothetical historical indexed account returns, the regulation changed to prohibit showing those values in the illustration.
  • An index must have at least 10 years of returns after its inception date before any hypothetical historical information can appear.
  • Instead of multiple averages such as 5-year, 10-year, and 15-year historical returns, illustrations will now show one average annualized return for either the full index history or 25 years, whichever is shorter.

This means some illustration pages may look different than before.

Please see the formal announcement for additional details

Find out more about these changes from securian...

ProdMod: Transamerica Launches Financial Foundation IUL II Express in California

Published on March 19, 2026

FROM TRANSAMERICA...

Join Transamerica: FFIUL II Express webinar

Welcome to the official launch of the Transamerica Financial Foundation IUL II Express in California. Effective March 25, Transamerica is streamlining their flagship IUL in an all digital solution that helps put life insurance coverage in your client’s hands faster. This new process offers instant decisioning on 100% of applications.

ProdMod: Mutual of Omaha Raises Max Illustrated Rates on IUL Strategies

Published on March 11, 2026

FROM MUTUAL OF OMAHA...

Annual IUL Max Illustrated Rate Update, Effective March 1, 2026

Good news—effective March 1, 2026, maximum illustrated rates for Mutual of Omaha’s Indexed Universal Life (IUL) products will increase in WinFlex Web.

Several strategies saw meaningful improvements this year, with the largest increases in the BofA US Agility Index and S&P 500 Uncapped strategies across products.

Why Do Max Illustrated Rates Change?

Maximum illustrated rates are recalculated annually in accordance with Actuarial Guideline 49 (AG49). This process:

  • Evaluates historical index performance using a standardized rolling look‑back period
  • Incorporates the most recent calendar year’s results
  • Reflects the cost to hedge each strategy, as required under AG49 updates implemented in 2023

As a result, illustrated maximum rates may increase or decrease from year to year.

For additional details, please see the formal announcement

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

ProdMod: Nationwide Refreshes Indexed UL Accumulator

Published on March 10, 2026

FROM NATIONWIDE...

New! Nationwide Indexed UL Accumulator III coming March 7th

On March 7th, 2026, the new IUL Accumulator III will be made available to help you offer your clients more protection and growth potential. This new solution maintains Nationwide’s low cost and transparent IUL story while offering many new features for better client control and growth potential.

New product enhancements include three new Nasdaq-100strategies, 2-yr strategies, an 11-month initial term segment, an optional performance lock feature to help clients lock in gains and an 8% enhanced dollar cost averaging option.

Transition Guidelines

  • eApplication Closure: March 21, 2026
    • Effective March 21, 2026 eApplications for IUL Accumulator II 2020 will no longer be available
  • Application Signed Date: April 10, 2026
    • Old Product: to be eligible for the old product, applications must be signed on or before April 10, 2026
    • New Product: applications signed after April 10, 2026 will be considered an application for the new product
  • Application Received Date: May 8, 2026
    • Old Product: to be eligible for the old product, applications must be received in the Home Office on or before May 8, 2026
    • New Product: applications received after May 8, 2026 will be considered an application for the new product regardless of the application signed date
  • Funding Deadline: June 5, 2026
    • Old Product: in addition to the above deadlines, the policy must also be in force and funded by June 5, 2026

1035 Exchanges

For policies funded by 1035 money in any state, the In-Good-Order 1035 paperwork must be included with the application according to the deadlines above. 1035 requests will be sent to the relinquishing carrier by Nationwide and tracked following standard procedures. These cases will have an extended funding deadline of July 31, 2026.

Reopening applications for the old product

Closed applications reopened after April 10, 2026 will be considered an application for the new product. This applies to applications closed due to outstanding underwriting requirements or otherwise “not taken” and regardless of the original application signed date.

Please see the Product Highlights for additional details

Find out more about these changes from Nationwide...

Underwriting Impact of the Middle East Conflict

Published on March 9, 2026

Effective immediately, most carriers are postponing life insurance applications involving travel to or residence in the region until further notice. Carriers are broadly viewing travel or residence in these countries as uninsurable due to active or potential military conflict risk.

What This Means

Cases will generally be postponed until the geopolitical situation stabilizes, including:

  • Applicants currently residing in the region
  • Applicants planning travel to the region in the near future
  • Applicants who frequently travel to the region for business

AIN’s underwriting team is actively monitoring carrier guidance and will communicate any changes in underwriting posture as the situation develops.

Until conditions stabilize, assume postponement for cases involving travel to or residence in the region.

AdminUpdate: MassMutual Has Simplified Underwriting for Life Cases Under $100,000

Published on March 5, 2026

FROM MASSMUTUAL...

Underwriting requirements simplified for life cases under $100,000

As of March 16, it will be easier for clients to apply, receive faster offers, and issue at lower coverage amounts.

MassMutual has eased their life application requirements for face amounts under $100,000 using best case Standard tobacco/non-tobacco. Insureds aged 60 or under will no longer need fluids or physical measurements for exams (existing requirements will not change over age 60).

Key Points

  • As of March 1: Preferred class illustrations will no longer be available to run for under $100,000 face amounts ($200,000 for Survivorship Life Products) at issue ages 17-60
  • March 15: Submission deadline to be eligible for Preferred classes for new business at these face amounts and issue ages.
  • Request Preferred class illustrations for term conversions and GIR options exercises at these face amounts from the MMSD Life Sales team until the end of the transition period, July 31.
  • July 31: Submission deadline for term conversions of GIR option exercises.

Please see the formal announcement for additional details

Find out more about these changes from MassMutual...

AdminUpdate: AuguStar Financial eApp Enhancements

Published on March 4, 2026

FROM AUGUSTAR...

eApp update: New interface coming soon

AuguStar Life’s eApp system is getting a new look. On Mar. 2, 2026, expect a new user interface for our electronic application and electronic delivery processes.

Although the system will have a new look, don’t worry – AuguStar’s eApp system will still be as simple to use as it is today. Its reflexive process, that automatically answers questions for you and eliminates unnecessary questions, will remain in place, keeping applications short and simple.

Find out more about these changes from AuguStar...

AdminUpdate: Symetra’s Retention & Reinsurance Updates

Published on March 2, 2026

FROM SYMETRA...

Underwriting enhancements to help start your year on the right foot

Symetra knows you want life insurance solutions that provide competitive underwriting and the best rate-class offers for your clients. To ensure Symetra is at the top of your list, check out their recent underwriting enhancements that are designed to help you build your book of business in 2026.

Increased automatic binding limits:

Symetra has increased their automatic binding limits to $55 million for ages 0-70 on their core term and permanent products! Check out Symetra’s updated retention and automatic reinsurance flyer for current retention, automatic binding and jumbo limits on all Symetra term and permanent life insurance products.

Please see the official announcement for additional details

Find out more about these changes from Symetra...

ProdMod: Symetra’s SwiftTerm Repricing

Published on February 26, 2026

FROM SYMETRA...

SwiftTerm reprice: New year, new rates

Effective Feb. 25, 2026, Symetra’s industry-recognized SwiftTerm product will be repriced to be even more competitive—consistently ranking in the top three for lowest term life premiums.

With Symetra SwiftTerm, clients get:

  • Industry-leading pricing: Particularly in Symetra’s sweet spot ages of 25 to 60 in non-nicotine rate classes for those seeking $250,000 to $5 million in coverage.
  • A fast, easy online process: Coverage can be delivered in as little as 18 minutes.
  • Included benefit for beneficiaries: Symetra’s Value Added Benefit provides on-demand, personalized services to beneficiaries, including guidance with grief, closing accounts, probate and estate questions and more.

Transition rules:

  • New SwiftTerm rates are available starting Feb. 25. All new and pending applications will receive the lowest rates available.
  • Policies issued before tomorrow will keep the older rates.

Warm up your winter with a SwiftTerm reprice! Symetra’s newly lowered premiums are definitely bringing the heat.

Please see the official announcement for additional details

Find out more about these changes from Symetra...

ProdMod: Symetra’s Accumulator Ascent IUL 3.0 Now Available in CA

Published on February 26, 2026

FROM SYMETRA...

Now available in California: Accumulator Ascent IUL 3.0 and S&P 500 Index with Bonus Strategy

Good news for Symetra’s Golden State partners! The newest version of Accumulator Ascent IUL (with refreshed rates) and the S&P 500 Index with Bonus Strategy are approved for sale in California effective Feb. 25, 2026.

Important dates and transition rules

  • Feb. 24, 2026: All applications of the current version of Accumulator Ascent IUL must be signed and dated. Symetra must receive these applications signed and in good order no later March 8, 2026. All applications signed and dated Feb. 25, 2026, and after will receive the new version of the product.
  • Feb. 25, 2026: Symetra’s illustration systems will be updated for California with the new product version and the S&P 500 Index with Bonus Strategy option.
  • April 27, 2026: All cases for the current version of the product must be issued/paid. For 1035 exchange cases, the deadline will be extended if the only outstanding requirement is the receipt of 1035 funds.

Symetra Accumulator Ascent IUL offers death benefit protection, low policy charges and competitive growth potential for future income needs. And now, with Symetra’s two newest bonus strategies—S&P 500 Index with Bonus and Nasdaq-100 Index with Bonus—clients can get even stronger growth potential and higher policy distributions

Please see the official announcement for additional details

Find out more about these changes from Symetra...

ProdMod: Prudential Launches GI COLI Multi-Life Underwriting Program

Published on February 25, 2026

FROM PRUDENTIAL...

Prudential Multi-Life Underwriting Program

A competitive guaranteed-issue solution

Introducing guaranteed issue Corporate-Owned Life Insurance (COLI) from Prudential, a name you know and trust. Multi-life from Prudential opens more opportunities for your practice, as it’s an attractive option for businesses meeting our guidelines.

Issue criteria

  • Financially stable company in existence at least three years
  • 80 – 100% of eligible employees of a well-defined group (minimum 20, no maximum)
  • Average age of group not to exceed 55 (maximum issue age 70)

Product and Rider availability

  • Products: Momentum IUL
  • Optional Riders: Overloan Protection, Enhanced Cash Value, Premium Deposit Account, and Other Goods and Services

Issue guidelines

  • Formula-driven benefits or premiums
    • Equal premium on each life, or
    • Equal Face Amount on each life, or
    • Function of salary, wherein the amount of salary on any life is limited to three times the average per life
  • Maximum issue limit on participant cannot exceed
    • $5 million
    • GI limit across all carriers for each individual, both inforce and applied for, cannot exceed $10,000,000
  • Additional employees are eligible to be added once per year upon confirming eligibility based on the terms of the original plan.
  • Maximum face amount
    • 20 – 29 lives: $60,000 x number of lives
    • 30 – 39 lives: $65,000 x number of lives
    • 40+ lives: $75,000 x number of lives

For additional details please see the Program Overview

Find out more about these changes from Prudential...

AdminUpdate: Symetra Extends Super Preferred Upgrade Program

Published on February 25, 2026

FROM SYMETRA...

Symetra’s Super Preferred Upgrade Program: Extended through July 1

Give your clients the underwriting boost they deserve with Symetra’s Super Preferred Upgrade Program—now available through July 1!

If clients qualify for a Preferred Non-Nicotine rating on Accumulator Ascent IUL cases, Symetra will automatically bump them up to Super Preferred to bring their overall insurance premiums down even further.

Program details

  • Eligible clients are age 60 (age nearest) or younger who qualify for non-nicotine rates and apply for up to $5 million of Symetra Accumulator Ascent IUL.
  • The program works in tandem with our GoodLife Rewards (GLR) program, which applies credits for healthy lifestyles to improve a client’s rating—up to Preferred. Eligibility for the Super Preferred Upgrade requires an original assessment (before GLR credits) of at least Standard Non-Nicotine.
  • The program is available with accelerated and fully underwritten cases.
  • No special requirements. Simply submit the business as you normally would and our underwriters will do the rest.

Cases must be submitted by July 1, 2026, approved by September 1, 2026, and issued by December 31, 2026.

Please see the formal announcement for additional details

Find out more about these changes from Symetra...