November 5, 2025
Annuity rates – See the rates effective November 1st.
A Gift That Lasts for Generations
Buying life insurance for grandchildren is one of the most meaningful ways your clients can set them up for long-term financial success. But many grandparents wonder—what happens when the time comes for their grandchild to take ownership of the policy?
Too often, young adults inherit a policy along with a new expense. Faced with monthly payments, many end up forfeiting the policy and taking the short-term benefits—losing valuable lifelong protection in the process.
With Assurity’s Protect + and Perform+ Whole Life options, you can help prevent that from happening. Assurity’s 10-pay and 20-pay options allow them to pay off the policy in full before transferring ownership. That means your clients grandchild receives:
All while applying on an application with only three health questions and instant decision capability with Assurity.
Share the consumer brochure with your clients.
Updated Field Underwriting Guide & Resources
Get the updated guide.
Visit the underwriting web page.
Fixed Annuities - See the rates effective October 27th.
Indexed Annuities – See the rates effective November 3rd.
Stacking DI polices saves clients money over the long term
Talk to your clients about how stacking DI policies using Illinois Mutual’s DI and SIDI products.
Take a look at this spreadsheet regarding staggering/stacking waiting/elimination periods using multiple policies. It consists of a 2-yr elimination period sheet and a 1-yr elimination period.
LTC in-force rate action notifications for November – Get details.
Longer. Healthier. Better. — Leaders in Longevity.
John Hancock is proud to debut the first two episodes of their new, six-part documentary series: Longer. Healthier. Better. — Leaders in Longevity.
They hope the series sparks meaningful conversations with clients and prospects — and helps showcase the value of life insurance that rewards customers for their healthy choices. Stream the series.
Advanced Markets News
In this issue:
Weekly Market Intel - See the latest insights.
Roth IRA conversions made simple
Lincoln has streamlined the Roth IRA conversion process using Lincoln OptiBlend fixed indexed annuity, with these five advantages, eliminating the barriers when clients convert their traditional IRA or 401(k) plans.
The DI Gap explained – Watch and share the video.
Express Newsletter
In this issue:
Ultra Advantage FIA rates – See the rates effective November 3rd.
Fixed Annuity rates – See the rates effective November 3rd.
Offering LTC solutions for every situation
Nationwide believes everyone should be able to prepare for retirement with confidence. And having a plan in place to address potential long-term care (LTC) needs can go a long way toward helping clients build that confidence.
Their suite of cash indemnity linked-benefit LTC solutions is designed to help clients get the unique protection they need.
Introducing self-service IUL allocation – Get the guide.
Financial Home Makeover
Discover the blueprint for organizing, protecting, and upgrading your financial life so you can build a lasting legacy and approach retirement with confidence. Visit the site.
Charter Plus premium bonus has been extended to December 3rd
Care Solutions News
In this issue:
Disaster and Federal Government Shutdown Support notices
Your term business, now faster and easier
Protective recently made enhancements to their accelerated underwriting program that greatly improved throughput for certain cases up to $1 million for clients 50 and younger:
Explore their underwriting.
Secure Saver Annuity
See the rates effective October 28th.
See the future rates effective November 11th.
2025 Year-End Important Dates & Reminders – See them here.
November Sales Strategy: Legacy Planning
Explore the November Trimester Sales & Strategy page.
Help your clients keep more of what they earn with Eclipse Accumulator II IUL
Over time, policy charges can make or break accumulation performance. With Eclipse Accumulator II Indexed Universal Life (IUL), your clients can benefit from one of the most cost-efficient designs in the industry — so more of every premium dollar goes to work early, helping build lasting value.
Introducing Symetra’s Special Needs Underwriting Program
For families caring for a loved one with special needs, financial planning isn’t just about the next few years—it’s about preparing for a lifetime.
From daily expenses to long-term care, costs for special-needs families can be overwhelming, and traditional underwriting solutions don’t always allow applicants to qualify for enough coverage.
Symetra’s Special Needs Underwriting Program is designed to help clients get the coverage they need. With a forward-thinking approach, they’ll work with you and your clients to help more families access financial freedom. View the case study.
Sales Flash
In this issue:
