PRODUCER ESSENTIALS

January 7, 2026

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.

View the latest issue of The Lincoln Life Leader featuring:

Now available in CA: Lincoln WealthBuilder IUL
Now available in PA - Lincoln AssetEdge SVUL
Extended: Lincoln VUL DCA 8% Fixed Account Rate Program for Lincoln AssetEdge VUL Suite
Program Ending: DCA 10% Fixed Account Enhanced Interest Rate Program for Lincoln MoneyGuard Advantage
New paperless options for life insurance clients
Best practices for closing your life insurance business with Lincoln

Fuel financial goals with proven performance, flexibility and strength

In early 2026, Protective Indexed Choice UL will close to new sales. We're committed to a seamless transition with information and protection strategies to keep your business moving forward. View transition flyer.

2026 Banner Life family of companies branding updates.

Policy review guide in 5 easy steps...

Why the right life insurance carrier matters.

Check out our life insurance sales resources that can make you a champion. Like our Olympic and Paralympic athletes, you can achieve more in 2026, too.

Solve modern family needs with real versatility. Help prospects protect their entire household. Our IUL can cover an insured … their spouse … and their children. See how with our real life case study exploring how to leverage Indexed Explorer Plus riders and features to help protect real lives with real versatility.

Save time with our new IUL allocation tool.

It's the most wonderful time of the year!

Check out our exciting updates effective December 5.

Check out our exciting updates effective December 5 (Corebridge Partner/QOL).

Learn about the 2026 Bonus Program (Corebridge Partner/QOL).

Mark your calendar to find out what we've been working on. Something exciting is on the horizon - anew way to elevate your business and unlock greater value. It's bold, it's enagging. And it's built to celebrate your success.

From social media accounts to crypto currency, digital assets are changing how clients plan their legacies. Stay ahead of the curve.

Review our 2025 year-end guidelines to stay ahead of the submission deadlines and keep your life and SecureCare business on track through year-end.

Power your new year with innovative solutions from Symetra.

Check what's new this week in the latest Life Essentials:

Help your clients start the new year with the confidence that their important information is organized and accessible - beginning with the Living Promise Record Keeper.

Sales Idea: Help grandparents give the gift of life insurance protection. Discover how encouraging grandparents to invest in children's whole life insurance can create a lasting legacy of protection and financial security.

Florida Terminal Illness Rider Change: Starting January 24, 2026, qualification for the Terminal Illness Rider on all life insurance policies issued by National Life Group and Life Insurance Company of the Southwest in Florida will change from 24 months to 12 months for predicted life expectancy. New policy applications in Florida that are signed by Friday, January 23 will get the 24-month Terminal Illness Rider. After that date, insureds will only qualify to use the rider if a doctor has certified that death is expected within one year. Learn more about the Terminal Illness Rider.

Master policy reviews and IUL Illustrations.

Boost IUL value with built-in endorsements.

Check out our enhanced UL Flex III with longer guarantees. Effective January 2, 2026, Principal Universal Life Flex III (UL Flex III) is repriced for new-issue policies. The reprice includes a change to the optional Extended No-Lapse Guarantee (ENGLG) rider to allow a benefit to a maximum age 100. This enhancement, combined with efficient cash-value accumulation and flexible features of UL Flex III, makes it a solution to consider for a variety of business and personal insurance needs.

Underwriting & New Business

Underwriting Corner Premium Payment Methods & Frequencies. Avoid delays and keep applications moving by using the right payment methods. Mutual of Omaha's Premium Payment Guide outlines acceptable options and key restrictions - so you can process premiums with confidence.

Closing the year on a high - Autobind+ Increased!

Effective December 10, your high-net-worth clients may be able to obtain up to $140M in coverage through Autobind+ - an increase of $10M.

Advanced Markets

Join Jordan Skog, Life Advanced Markets VP, as we kick off our 2026 Allianz Life Advanced Markets Spotlight Series. Our January Spotlight will get you up to speed on:

Irrevocable Life Insurance Trusts (ILIT)
Spousal Limited Access Trusts (SLATS)
Beneficiary Limited Access Trusts (BLAT)
Qualified Domestic Ownership Trusts (QDOT)

Register for our Advanced Markets January webinar - Mastering the 2026 Tax Transition: What you need to know.

Split dollar arrangements are a way for a business to help the business owner or key employees of the business acquire permanent life protection. It is also a way for an indivudal to assist another person (or trust) with the costs of acquiring a permanent life insurance policy. Watch our video to learn more about how split dollar loans work.

Take a look at Executive Retention+, our employer-owned life insurance strategy that helps address multiple business-owner needs with one policy. Watch the on-demand webinar to see how this concept can open new doors for your business.

Check out the December edition of Advanced Markets News including:

Updated resources for 2026 reflecting 2026 exemptions
Timely insights and strategies to support meaningful year-end planning conversations
Legistlative updates
and more!

Hybrid Products, LTC & DI

New year conversations that matter: Introducing long-term care early. Check out these conversations that matter most; ones that help clients prepare for the future with clarity and confidence.

New year, new plan: See why long-term care belongs on every client's 2026 checklist.

Learn why LTC costs are rising and how smart planning preserves peace of mind.

As a reminder, all long-term care (LTC-13 and LTC09M-CA) new business applications are now processed and administered directly by Mutual of Omaha. In addition, Mutual of Omaha has transitioned in-force LTC-13 and LTC09M-CA policies to our internal servicing team.

Year-end raises and COLA adjustments create a natural opening to talk with clients about income protection. Whether clients are uninsured or already have coverage, now is the time to ensure their protection aligns with their current income. Read more on how these conversations can add real value to your practice.

Annuity Solutions

Get your start to 2026 going strong. Connect with your clients on their

Needs
Concerns
Plans for the Future

Use our client-facing Income Gap Calculator as your conversation icebreaker. With this easy-to-use, step-by-step calculator, you can highlight potential gaps between guaranteed income and expected retirement expenses in a snap.

Introducing CareMatters Annuity - powerful LTC Protection for your clients. Our new long-term care (LTC) solution is built on a single-premium deferred fixed annuity chassis designed for clients who want asset protection and flexible LTC benefits. View the Product Highlights. View the Underwriting Process.

Help cients overcome annuity hesititaion, Turn concerns into confidence.

Many clients like the idea of guaranteed lifetime income — until the word annuity enters the conversation. What’s really stopping them? Often, it’s not logic but behavioral biases that create hesitation. Our latest piece, Solving the Annuity Puzzle: A Behavioral Analysis, helps you identify and remove these common roadblocks in client conversations.