Occtober 21, 2026
Accelerate
In this issue:
New lower rates now available for OPTerm
Effective October 14th, Banner lowered their OPTerm rates - again! With lower rates, even more clients can find competitive coverage - whether they need protection for 10 years or 40. See the administrative guidelines.
In-Force Rate Action Announcements:
Million Dollar Round Table (MDRT) Certification Process Begins January 11, 2027 – Learn more.
Commissions: 1099-NEC 2026 Tax Information – Learn more.
Increased DI Non-Medical Limits
Important updates have been made to help you better serve clients who need higher levels of disability income insurance (DI) coverage.
Updated non-medical limits by age:
Lincoln Leader for Life Solutions
In this issue:
Life in Focus
In this issue:
The Closing Concept:
Help Clients See Value Beyond Market Performance
Clients who are worried about potential market downturns often need proof, not just projections.
In this Closing Concept, see how a producer used a comparative stress test to address concerns, demonstrate value under pressure and reinforce the strengths of the recommended solution.
View this Sealing the deal with a 0% Indexed Crediting Floor.
Express
In this issue:
CareMatters 100% International LTC Benefits
Effective immediately, Nationwide will waive the International Benefit Exclusion on the LTC riders for all Nationwide CareMatters® II and CareMatters Together policies issued on or after January 1, 2026. This move ensures clients will receive the full benefit of their CareMatters policy regardless of their location.
For more information on qualification and recertification for international LTC benefits, see the Guide to international LTC claims.
Nationwide is currently in the process of filing the International Claims Endorsement for LTC Benefits that removes the international exclusion from policies. Once approved, the endorsement will be included in policy contracts going forward and it will be added to in-force policies issued on or after January 1, 2026. If a client goes on claim before the endorsement is approved in their state, (including California and New York), Nationwide will still waive the exclusion and pay 100% of LTC benefits.
Bring more flexibility to the Roth conversation
Looking for another way to start the tax diversification conversation with your clients?
A Roth conversion doesn’t always mean converting everything at once.
With North American fixed index annuities, eligible clients may have the flexibility to use full or partial Roth conversions, including the ability to convert over time.
This quick agent video can help you get more familiar with the strategy and how it works.
Asset Care Cash Value – Read the update.
2026 Year-End Deadlines – See the year-end procedures for PL Promise products.
Field News Monthly
In this issue:
4 resources to build confidence in wealth transfer conversations
Every wealth transfer conversation creates an opportunity to explore broader planning topics, including estate planning, tax strategy and retirement.
Help expand your planning expertise and strengthen relationships across generations with these 4 resources:
Lower rates for OmniTrack Term!
SBLI has lowered OmniTrak Term rates for qualifying new and pending business!Plus, expanded underwriting flexibility:
Reward clients for healthy living with Symetra’s GoodLife Rewards Program
If clients are committed to staying healthy and fit, shouldn’t their hard work be rewarded? With Symetra’s GoodLife Rewards Program, clients can earn lower life insurance premiums for leading healthy lifestyles.
Available on our traditional permanent life insurance products, GoodLife Rewards credits are automatically applied during underwriting for several lifestyle and medical indicators attributable to good health and a longer life.
Earned credits could improve a client’s underwriting class up to Preferred Non-Nicotine or offset up to three table ratings to score them lower premiums.
See the FAQ’s.
