September 2, 2026
Annuity Watch
In this issue:
Lower rates for OPTerm
Starting August 26th, Banner dropped 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 them at the top of the rankings about 88% of the time.
Turn Social Security questions into planning opportunities this LIAM
Did you know on average Social Security replaces less than half of pre-retirement income? This reality may leave many of your clients exposed to a real retirement income gap. Corebridge’s ready-made resources make it easy to show clients:
Access their suite of materials and add to your toolbox. Visit their site and make the most of Life Insurance Awareness Month.
The Gerber Life Agent Portal
Whether you are a new or an experienced agent with Gerber Life, our Agent Portal is designed to help you manage cases, access commissions, download documents, create quotes, and submit applications.
As a reminder - Agent Portal passwords expire every 90 days. You can reset this password by using the Forgot Your Password? link on the Agent Portal login screen.
Spotlight
In this special issue:
Advanced Markets News
In this issue:
Have any of your clients inherited a non-qualified annuity in the last 12 months?
By leveraging the OptiBlend Fixed Indexed Annuity, beneficiaries may be able to spread distributions over their life expectancy while helping protect inherited assets from market volatility.
Are your clients self-funding their long term care?
Rethink Long Term Care Planning with UL GuardClients concerned about potential long term care expenses often consider setting aside assets to cover future care needs. But what if those same planning dollars could help address multiple objectives?
Check out this case study and learn how UL Guard with the LTCAccess Rider II could be positioned as an alternative to self-funding, helping support long term care planning needs while also providing life insurance protection and legacy planning benefits.
And, this LTC Cost Estimator Tool can help personalize discussions with state-specific cost estimates.
Living Benefit Riders launch in California on September 2nd
California Living Benefit Riders for Term Life Express will be available beginning September 2nd. The offering includes three Accelerated Death Benefit Riders at no additional cost to the customer:
The Closing Concept: Turn Retention Challenges Into Opportunities
Replacing a key employee can be costly and disruptive. This Closing Concept explores how an executive bonus arrangement can help business owners reward and retain top performers without the complexity of traditional qualified plans.
See how Income Advantage indexed universal life insurance can support long-term retention goals while delivering value to both the business and the employee.
Express
In this issue:
Lifetime Payment Percentages (LPPs) increase on Income Pay Pro fixed index annuity
The new LPPs apply to applications received or submitted through Annuity e-Biz on or after August 25th. Rates are subject to change at any time. See the updated LPP’s.
Care Solutions News
In this issue:
Lower prices for Protective Classic Choice term – Get details.
Turn life insurance awareness into opportunity
Life Insurance Awareness Month puts life insurance top of mind. This September, turn that awareness into meaningful client conversations.
A policy review can help you reconnect with clients, uncover what’s changed and determine whether their existing coverage still aligns with their needs. And Securian’s policy review kit gives you resources to help make those conversations easier.
Use the kit to help you:
Don’t just raise awareness. Create an opportunity to reconnect, review and help clients prepare for what’s next.
Can wealth make LTC more expensive? The hidden costs of self-funding
For affluent clients, having enough money to pay for long-term care (LTC) can make self-funding seem like the obvious choice.
But that strategy can come with hidden costs, especially when taxes or market volatility enter the picture. Two new SecureCare IV sales ideas can help you bring those risks into the conversation. SecureCare IV is LTC and nonparticipating whole life insurance.
Sales Flash
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