January 28, 2026
This Week's Highlights & Events
This week's webinar: Win More Hybrid LTC Cases in Today's Market with John Hancock's New LifeCare. Join us as we take a fresh look at LifeCare’s newly improved 6-year rates — and more importantly, where LifeCare now fits in the market and why you might want to quote it more often.
LifeCare Bonus Extended. Deadline March 31, 2026. Don’t miss your chance to earn up to 41.25% more on your LifeCare cases. From August 1, 2025 - March 31, 2026, eligible producers can earn big bonus payouts on qualifying LifeCare cases. Download bonus flyer. Access LifeCare resources.
Life Insurance
MassMutual ALIR limits increased to better meet client needs. The Additional Life iNsurance Rider (ALIR) allows the policyowner to purchase additional participating paid-up life insurance on the policy date oof the base policy and on each policy anniversary without evidence of insurability, provided this rider is in effect.
Why not offer your clients more?
Effective January 20, 2026, Pacific Life is rolling out new pricing for PL Promise Term level premium life insurance. Rates have been updated to increase consistency for solid competitiveness across all combination of terms, risk classes, gender, and issue ages. Read bulletin.
A year in the life of Columbus Life. Columbus Life made real progress last year, including meanigful changes to thie distribution model, product competitiveness, compensation framwork and more. Matt Canterbury covers it all in his annual letter to you about Columbus Life's shared success in 2025 and continued "real life" focus in 2026.
Do you have clients with than enough money to live comfortably in retirement and they may want an efficient way to pass on that wealth to their loved ones? A Nationwide HeritageSM Single Premium Whole Life policy could be their solution. With just 3 underwriting questions, it’s a quick way to significantly increase their legacy.
Earn CE credits with valuable insights from Nationwide's Retirement Insititute experts.
Help customers create a life insurance solution that provides financial protection before and after retirement. Learn about a two-policy solution that addresses dynamic financial risks (aka Butterfly Chart). Engage with your customer with a worksheet and informative video to cusotmize a solution to fit their needs. Share video. Fill out worksheet.
Introducing the new Protection IUL featuring enhanced performance + SmartStart Segments. We’re excited to announce the launch of Protection IUL 26, now stronger than ever with competitive pricing, enhanced performance potential and SmartStart Segments that offer immediate growth potential and easier policy management.
Find out how you could win a trip to the FIFA World Cup 2026.
FInd out how our IULs provide reassurance to your customers in an unpredictable marketplace.
Term Life Express offers more than just affordable coverage. Learn more about the TLE client by checking out our sales ida flyer.
New RapidProtect Enhancements to help you sell. The RapidProtect IUL improvements you asked for will be available January 24.
Reach more housegolds with our expanded library of translated client pieces, now available for all products. With nearly one in five U.S. families speaking a language other than Englisgh, these materials in Spanish, Chinese, Vietnamese, and Korean make it easier to connect, educate, and support clients in the language they prefer. Order printed copies.
Banner Life will make the following changes throughout the month:
New URL: Website domains will transition to www.bannerlife.com on January 13
New forms: New forms will be available through the Partner Dashboard starting January 13. All Legal & general America forms should be discarded, and the newly branded forms should be used immediately. Beginning May 1, LGA and other legacy forms will no longer be accepted
Logos and brand names: All logos and brand names must be updated across websites and marketing materials by January 31. Any materials featuring the LGA or legacy William Penn branding, including Legal & General logos or the blue striped William Penn logos, must be discarded, as they will be out of compliance.
View the latest issue of The Lincoln Life Leader featuring:
Coming Soon: Lincoln WealthProtector IUL
Coming Soon: Rate updates to IUL policies
Now available in CA: Lincoln WealthBuilder ECV IUL
Driving Innovation in Lincoln MoneyGuard Application Process
Underwriting & New Business
Symetra has increased our autobind limit from $35M to $55M, giving us significantly more capacity to move quickly on large cases—without added friction or delays. Simply put, we are ready for large-case business and positioned to execute efficiently at higher face amounts.
If you have opportunities that were previously on the edge, now is the time to bring them forward. Let’s put this expanded authority to work.More information to come.
Advanced Markets
Read the January edition of Advanced Markets News:
New year, new inflation-adjusted numbers and new planning opportunities
Charitable planning after H.R. 1
Central Intelligence
Discover what JH Solutions can do for you
Start more conversations with business owners. Nearly 98% of business owners don't know the true value of their company. That's a life isnurance conversation waiting to happen. Offer your business-owner clients a complimentary Calculation of Vale from Marshall & Stevens, Inc. through North American.
Hybrid Products, LTC & DI
SecureCare IV is now available. Sometimes you don’t need to reinvent the wheel — you just need to open the throttle. With SecureCare IV, our newest long-term care (LTC) and nonparticipating whole life insurance policy, we built on the foundation you know and added key enhancements to accelerate you and your clients’ success.
The OneAmerica Care Solutions Deep Dives webinar series goes in-depth on topics related to our asset-based long-term care (LTC) protection. Join OneAmerica's free webinars every other Friday at 11:00 am ET. Each session is intended to last 15 - 40 minutes.
Even the best financial plans depend on one thing: income. If illness or injury disrupts it, everything changes. Make income protection part of every planning conversation—NorthCentral DI is here to help with case design, illustrations, pre-screens, and income review.
Annuity Solutions
Help clients protect their money for retirement. After saving for a lifetime, how can clients ensure their money is protected in case of market downturns or other risk? You can help clients understand their own tolerance for risk and help protect their money for retirement from risks such as.
Have you ever reviewed your clients’ 1040 tax return forms with them? While you may not be giving them tax advice, talking through these crucial documents may open avenues to discuss the benefits of tax deferred growth and guaranteed lifetime income with an annuity. Use our interactive 1040 tax form webpage to guide client conversations on the potential benefits of annuities.
Year-End Guidelines
Review each carrier's year-end guidelines by clicking the name of the carrier:
3 Mark Financial, Inc.
1600 Highway 6 Ste 400
Sugar Land, TX 77478
Call 888-533-6275
Site: www.3mark.com