First Protective learned that EMSI, a paramed vendor, unexpectedly closed their operations on July 3, 2020 because of low service volume due to the COVID-19 pandemic. READ MORE.

We’ve repriced Protective Classic Choice term to have new lower rates in multiple cells, putting it in the Top 3 or better 95% of the time in monthly pay scenarios and in the Top 3 93% of the time in annual pay scenartios. These new rates go into effect today, July 20, 2020. LEARN MORE

As of July 24, 2020 a new version of the Guaranteed Issue Whole Life (GIWL)1 product will be replacing the currently offered one. This new version has a Limited Pay feature, revised premium rates, and a maximum issue age of 80. LEARN MORE

On Monday August 17, 2020, the revised PruLife Index Advantage UL will be introduced, subject to state approvals. LEARN MORE

John Hancock offers two ways your clients can reduce their premiums and earn rewards for living healthy with the John Hancock Vitality Program – one product offers the benefit as an optional rider, and the other has the Vitality benefit built in. LEARN MORE

Repricing Coming to Term Essential® and Term Elite® See Why We Remain Competitive (And guess who’s back?) In response to the low interest rate environment, effective July 20, 2020, our rates for both Term Essential and Term Elite will increase for most term durations. Note that, for non-NY policies, there is a rate decrease for […]

Pricing Update – Lincoln LifeGuarantee® SUL (2019) – 07/13/20 As the life insurance industry continues to operate in today’s challenging and changing environment, Lincoln remains committed to proactively manage our business as part of our disciplined approach to financial and risk management. LEARN MORE

Craving an underwriting process that helps to ensure a higher placement ratio? Look at the 12 competitive sweet spots where PL Promise Life Insurance from Pacific Life can help you deliver the best underwriting offer to your client the first time. LEARN MORE

Prudential has decided to change our maximum retention limit to no more than $10 million, effective immediately. Since this change is consistent with the COVID-19-related reduction put into effect in March, there is no formal transition period. LEARN MORE

From time to time, we evaluate our product portfolio and make adjustments to ensure our customers are getting the best value possible. After careful consideration we’ve decided to suspend sales of UL Protector. LEARN MORE

Due to the current economic environment that has driven interest rates exceptionally low, we decreased indexed account caps and fixed account crediting rates on PruLife Essential UL and PruLife Founders Plus UL® for new policies applied for on or after June 29, 2020. Here are the rates: LEARN MORE

On Monday July 20, 2020, the revised SVUL Protector will be introduced, subject to state approvals. The following rules apply to any request for New Business, Term Conversion, or OPAI (Option To Purchase Additional Insurance) Conversion. LEARN MORE

On March 13, 2020, American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City of New York (US Life) implemented a premium cap reduction to GUL and VULG. With our recent pricing adjustment, we are making premium cap updates on June 27, 2020 to better support our Distribution partners […]

In response to the low interest rate environment, effective July 20, 2020, our rates for both Term Essential and Term Elite will increase for most term durations. Note that, for non-NY policies, there is a rate decrease for 10-year term and no change for 15-year term. And, effective July 20, 2020, 30-year term is back! […]

New rider on the Lincoln WealthAccumulate IUL (pages 3 and 4). LEARN MORE

Securian Financial is committed to building secure tomorrows by doing the right thing today. To deliver on this promise and in response to the historically low interest rate environment, Securian Financial will implement the following product updates to SecureCare in all Compact states1 and South Dakota on July 18, 2020. These updates will be implemented […]

Our team is committed to providing low-cost coverage and long-term protection options. We’re always looking for ways to improve, whether in pricing or process, to offer the best value and experience for you and your clients. LEARN MORE

Coming Soon – Lincoln AssetEdge® VUL (2020) and Lincoln AssetEdge® Exec VUL (2020) Same death benefit protection offering significant market-driven growth potential Effective June 15, 2020, subject to SEC and state approval, The Lincoln National Life Insurance Company is pleased to announce the newest product in its variable universal life portfolio, Lincoln AssetEdge® VUL (2020). […]

Protective Classic Choice Term Rate Change and Higher Max Issue Ages LEARN MORE

North American Premium Increases As one of the leading providers of life insurance and annuities in the United States, we have continuously fulfilled commitments to our customers since 1886. Today, we remain focused on our commitment to our policyowners, our distribution partners, and continue to make decisions for the long-term. LEARN MORE

New premium rates for guaranteed UL and survivorship UL products Transition guidelines New premium rates will be effective June 8 for Principal Universal Life Protector V and Principal Survivorship Universal Life Protector III. The challenging economic environment makes a pricing adjustment necessary as follows: On average, UL Protector V single and 10 pays will increase […]

June 2020 Index Cap Updates Due to current economic conditions, low interest rates and increased market volatility have caused a reduction in hedge budgets and an increase in hedge costs. As a result of the market impact, IUL index account parameters need to be adjusted. These are unprecedented times and market conditions, which have caused […]

Effective May 30, 2020, premiums on Secure Lifetime GUL 3 (issued by AGL and USL) will see an increase as the result of recent declines in interest rates and increased market volatility. At AGL and USL, we are committed to providing competitive, attractive guaranteed life insurance products to your clients. LEARN MORE

Effective May 30, 2020, premiums on Platinum Choice VUL 2 will see an increase as the result of recent declines in interest rates and increased market volatility. At AGL, we are committed to providing competitive, attractive guaranteed life insurance products to our clients, and the current environment imposes a need to increase our rates to […]

Important Changes: Symetra UL-G April 20, 2020 As you know, the unprecedented market volatility and continued low interest rate environment are putting additional pressure on an already strained product line. Due to these issues and changes in the competitive landscape, we are repricing our Symetra UL-G product, effective May 1, 2020. LEARN MORE

Upcoming Life Product Updates, Showcasing updates effective in May and coming soon LEARN MORE

Something to brighten your day… New Select-aTerm rates! As of May 4, 2020 all bands of Select-a-Term, our flagship product, just got even more competitive nationwide! Check out our new market leading premium rates and other great news. LEARN MORE

Protective Life has added guaranteed level term options at 45 and 40 years to Protective Classic Choice Term, in addition to our 10-, 15-, 20-, 25- and 30-year term options. LEARN MORE

Nationwide® is committed to carefully managing our life product portfolio to remain the strong, stable carrier you can rely on. To keep this commitment – and in response to the extremely low interest rate environment and unprecedented volatility in the markets – we are repricing our No-Lapse Guarantee (NLG) UL product and djusting the fixed […]

Administrative Alert! Changes to Variable Life Portfolio Due to the economic impact of the COVID-19 pandemic, it is necessary to reduce cap rates and participation rates on our Variable Universal Life product portfolio. LEARN MORE

Effective with new indexed account segments opened on or after May 15, 2020, Lincoln will be making changes to the caps, participation rates and spreads on most of the Indexed UL product suite, including the indexed accounts on VUL products. LEARN MORE

Effective April 13, 2020, Lincoln is announcing pricing adjustments to Lincoln TermAccel® Level Term (2019). Lincoln TermAccel® offers an entirely electronic, streamlined Tele-App process with fully automated underwriting and no APS requirement. LEARN MORE

We at Legal & General America strive to maintain highly competitive term rates throughout the year. Unfortunately, we recently discovered that some of the OPTerm premium rates that were published on April 2, 2020 were higher than intended. LEARN MORE

Our New Guaranteed Universal Life Solution is Almost Here LEARN MORE

Important Individual Life Portfolio Updates LEARN MORE

GERBER LIFE MAKES IT EASY TO DO BUSINESS WHEN YOU’RE HOME LEARN MORE

We’re committed to providing life insurance products that offer long-term value to your individual and business clients. And occasionally that requires making adjustments during times of significant economic pressure—such as the current market volatility and the prolonged low interest rate environment. Effective immediately, we’ll be implementing the contractual $1 million premium limit on life insurance […]

An Important Update from Ray Caucci, Senior Vice President, Product Management and Underwriting and Gretchen Dinucci, Vice President and Chief Underwriter. LEARN MORE

SYMETRA ACCUMULATOR IUL: INDEX CAP AND PARTICIPATION RATE CHANGES EFFECTIVE THURSDAY, MAY 14, 2020 Due to the unprecedented market volatility and historically low interest rate environment, we will be decreasing Symetra Accumulator IUL’s index cap and participation rates. LEARN MORE

April 2020 Nationwide® Life Insurance Product Changes LEARN MORE

Banner New Term Rates LEARN MORE

Prudential Individual Life Insurance continues to help customers with their life insurance needs in this challenging time of interest rate changes and market volatility. To do that, we take a prudent financial approach by continuously reevaluating our product portfolio and have made some adjustments to our offerings. LEARN MORE

Effective April 1, 2020, we are decreasing our Premium Deposit Account (PDA) interest rates by 1.00%. New rates will be reflected on the financial professional site and in the illustration system on April 1, 2020. LEARN MORE

Prudential IUL Cap April Rate Changes LEARN MORE

Equitable: Cap Rate and Fixed Account Updates LEARN MORE

Changes to par rates, cap rates, and fixed account rates on several UL and IUL products. LEARN MORE ________________________________

Term Life Answers Pricing Changes LEARN MORE

In response to decreasing market interest rates as well as rapidly changing market conditions related to the national emergence of the COVID-19 (Coronavirus), Pacific Life will limit new PL Promise GUL1 business to face amounts of $2.5 million or less effective Wednesday, April 1, 2020. PL Promise GUL is a universal life insurance product with […]

AIG is adjusting interest rates, caps, par rates and the max illustrated rate on their IULs effective April 1. AIG: Interest Crediting Rate Updates AIG: Life Interest Rates