Weekly News

Standard Non-Forfeiture Law (SNFL) Minimum Rate Change for Fixed Annuities – Get details.

Annuity Updates
In this issue:

• The Elite Producer Compensation Program (EPCP) has been extended through 2026
• Guidelines for annuity sales to non-U.S. citizens
• Understanding the Certification of Trust Form
• 2025 annuity processing cut off dates

New mailing address for your client's long-term care premium payments
Clients with a John Hancock long-term care policy will see a new mailing address on their billing notices in December. The mailing addresses are now tailored by geographic location to streamline processing and reduce delays.

What you can do?

• Promote online payments: This is a great opportunity to highlight the convenience of our online payment option that's available on JohnHancock.com/LTC. It’s faster, more secure and can save your clients time.
• Encourage your clients to check their bill: While we will be communicating this change to policyholders, please also remind your clients to refer to the mailing address printed on their billing notice for the most accurate information.

A new opportunity for your clients
Lincoln officially launched the 1-Year Capital Group Dividend Value ETF Participation allocation within the Lincoln OptiBlend Fixed Indexed Annuity. Watch the webinar replay of the announcement.

It combines:

• Growth Potential – Actively managed ETF exposure
• Peace of Mind – 100% downside protection
• Diversification at No Cost – A smart way to strengthen retirement portfolios

Lincoln Leader for Fixed Annuities
In this issue:

• New indexed account – Capital Group Dividend Value ETF Participation
• 2025 Year recap
• Why Lincoln? Q3 Key facts
• 1 Year Nasdaq Priva Participation now available in CA
• Multi-year point to point now available in CA
• Market Intel Exchange
• Holiday Hours
• Year-end 2025 deadlines
• Forms update

Express
In this issue:

• Important Contracting and Appointment Notice for Pennsylvania
• Yearly 1099s are available online through SPA
• Failing to Plan Can Come at a Cost
• IUL Express: Plan with Confidence
• Inforce LTC Rate Adjustments Effective March 1, 2026
• Why Inflation Protection Is a Critical Part of the LTC Conversation
• Why LTC Costs Are Rising - And How Smart Planning Preserves Peace of Mind
• Out-of-Pocket Costs Are Rising-Even with Health Insurance. Here's a Smarter Way to Prepare.
• Offer Critical Advantage when Selling Life Insurance

Building resilient client portfolios with IUL solutions
Deliver a holistic strategy for client success with Nationwide’s indexed universal life – combining transparent costs, guaranteed features, growth potential, and downside protection to help you build resilient, long-term value beyond cap rates. Read more.

New consumer profile form – Get complete details.

How fast can clients get term coverage?
Getting life insurance can be easier than clients think. Protective helps streamline the process with easy applications and multiple underwriting paths, including:

• Fastest instant approval in 3 minutes for qualifying clients who can accept policy electronically.
• Accelerated underwriting in as little as 3 days with no medical exams and minimal health questions.