PRODUCER ESSENTIALS

October 1, 2025

This Week's Highlights & Events

Webinar: Mastering IUL Concepts...What Goes Up Must Come Down

You may think you know everything about Indexed Universal Life (IUL), but chances are most of what you’ve learned comes from illustrations — leaving out critical parts of the story.

Join renowned speaker Joe Ross for a 30-minute session that reveals the real mechanics of IUL and why “upside market potential without downside market risk” is only half the story.

In this session, you’ll learn:

The real impact of market volatility on IUL policies
Why illustrations alone don’t tell the full picture
How to better explain IUL’s true value to clients

Don’t miss this chance to sharpen your IUL expertise and elevate your client conversations.

Life Insurance

View the latest issue of The Lincoln Life Leader featuring:

Coming Soon to Indiana: MoneyGuard Market Advantage
Now available in NJ - Lincoln AssetEdge SVUL
September is Life Insurance Awareness Month
Modified paramed exam now available for higher face amounts
Ready to Sell Tool enhancement: Online EFT form
2025 Life insurance year-end guidelines

See how one client's short-term need turned into a long-term opportunity, despite future health concerns.

Now secure lifetime coverage even faster.

The path to protecting more people with term insurance can be faster and easier - so see how we can help lead the way with our Protective Classic Choice term.

Manage all open requirements in one place on the MMSD Portal.

MMSD Life and Disability Income 2025 Year-end dates.

What better time than LIAM to bring up life insurance policy reviews. Check out our tool to get you started.

Consider policy conversions for your Business Owner clients. Learn how an early policy conversion could lock in lower premiums, avoid additional underwriting, and ensure guaranteed acceptance with an equivalent risk class.

Expand your business into multicultural markets.

Invitation to Register: In the K.N.O.W. Series - 3 Elements to a Long-Term Policy.

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.

Check out our 31-day social media campaign - a ready to use "Campaign in a Box" designed for September's Life Insurance Awareness Month.

31-Day Campaign
Social Media Library

Remind cients, workplace life insurance is not portable. When the job ends, so does coverage.

Corebridge Partners

Are you on track? Finish strong this fall – big rewards await!

75% of Americans overestimate the cost of life insurance. In reality, protecting a family 's financial future can cost less than a single streaming subscription.

As LIAM comes to a close, the stories of our Life Lessons scholarship recipients offer a powerful way to connect with clients and remind them why planning ahead truly matters. Read their stories.

Watch one customer's powerful story of early cancer detection thanks to GRAIL’s Galleri test, available to eligible John Hancock Vitality PLUS customers.

Save your spot: How to make the most of your Social Security Benefits.

Understand and empower women on their financial journeys.

Cold calls are a grind, but they don't have to be. With the right open-ended questions, you can reveal priorities, uncover obstacles, and create clear next steps with your agents. Here are our five favorite questions to spark productive conversations.

Tailored growth. Lasting protection. Check out Premier VUL, giving you clients the power to shape their financial future, with more than 75 investment options and cash value they can access when it matters most.

Check out our latest Sales Flash for September 25:

Top 5 reasons Symetra IULs
Nasdaq-100 Index: A powerful symbol of innovation and growth
Step up your sales with Symetra
High-Net-Worth Foreign National Program Country Classification updates.
Swift drop ticket enhancements
Why one mom and executive says life insurance matters at every stage

Check out our new resources for LIAM.

Go to the Trimester site to see everything we have on LIAM to help you start conversations with clients.

Check out the latest Life Essentials...

October webinar: Exploring the Evolving Landscape of Life Insurance
FlexGuard Life materials updated for October 2025 changes
Get high-impact sales content on the Blueprint Playbook
Promote IUL with PruDesigns
Life Case Tracker Expansion
Coming in October: Policyowners can track their transactions with ease on MyPru

Forged with purpose: 5 Things to know about IULs.

Intoducing RapidProtect: Lifelong protection in an instant.

Rate increases for SummitLife IUL. SummitLife indexed universal life (IUL) insurance, designed for high-net-worth clients focusing on wealth creation or preservation, now delivers even more potential.

Join America's IRA Authority, Ed Slott, CPA for a transformative presentation on maximizing retirement tax planning opportunities in 2025 and beyond.

Read and share the article to help raise awareness on how North American's Advanced Markets and Underwriting teams work together to make doing business with us easier and more personalized.

Read our Important Reminder about Rebating.

Don't miss our webinar on Thursday, October 9, as we dive deep into large cases.

Check out our refreshed Advertising Guidelines that combine everything you need to know into one compliance guideline document.

Check out the latest Principal Product and New Business Underwiritng News.

Underwriting & New Business

MassExpress accelerated underwriting program expanding to $3M in coverage with no labs or exams.

Check out our Underwriting Hot Topic: Enhanced Guidelines for Obstructive Sleep Apnea (OSA).

Let us be your go-to for large case underwriting.

Advanced Markets

Big life insurance cases call for big collaboration. That's why, at North American, our Advanced Markets and Large Case Underwriting teams partner from the very start -bringing their expertise together to support your most advanced cases and high-net-worth clients. Download our flyer for a full breakdown.

Check out our latest Advanced Market News.

Estate planning gaps can create client risks. How are you helping agents fill them? Check out our recent webinar offering tips and tools to help you step in and stand out.

Register and join us for a dynamic and insightful webinar, "Estate Planning & Life Insurance: The Hourglass Theory" to learn how to shift your perfspective and discover how life insurance is the crucial transition point within the "hourglass."

Hybrid Products, LTC & DI

Disability insurance ensures clients can maintain their lifestyle and continue funding long-term goals even if illness or injury prevents them from working. Positioning DI as a cornerstone of financial planning, rather than a “nice-to-have,” helps clients see its role in protecting the foundation of their financial future. Read "Why Disability Insurance Belongs in Every Client Conversation".

Disability isn’t always black and white. The Residual Rider ensures your clients have a safety net even if they’re still working part-time. Read "Why the Residual Disability Rider Matters".

Optimize your LifeCare illustrations. Run powerful LifeCare illustrations in minutes. Our quick Winflex tutorial makes it easy to generate compelling illustrations. Watch the tutorial now and start running your own illustrations in Winflex.

Discover why a fellow producer switched to our new hybrid solution, LifeCare, for its meaningful death benefit and John Hancock Vitality rewards.

LifeCare with Vitality PLUS offers clients the opportunity to enhance their death benefit and LTC benefit amount while also earning rewards for the steps they take to live a longer, healthier, better life. Get the details on how Vitality has transformed the life insurance industry over the past decade.

At OneAmerica, we know your time is valuable. That's why we're launching Flex for Asset Care – our modernized new business and underwriting platform designed to streamline the way applications are submitted, reviewed, and approved.

Annuity Solutions

For clients who want to retire early, consider an income-focused indexed annuity. Your clients can claim Social Security as early as age 62, but waiting until full retirement age means a bigger payout. Offer a solution to close the income gap. Once your client reaches full retirement age, Social Security benefits increase by 8% each year they delay until age 70 (if born after 1943). See what the Social Security Administration says about the best time to start receiving retirement benefits.

Bridge the Gap. See how an income-focused fixed index annuity with an Income Benefit Rider can help your clients delay their Social Security start date by providing guaranteed lifetime income to get them from early retirement to age 70. Plus, they can benefit from upside growth potential, downside protection, a guaranteed minimum rate of return and tax advantages.

Help secure your client's retirement with confidence. The new Ultra Advantage Fixed Index Annuity from Mutual of Omaha is designed to help clients preserve their hard-earned assets while still participating in market-linked growth - wll with valuable built-in flexibility. View the product highlights.

Give clients a guaranteed cap rate that’s locked in for multiple years, with the new 1 Year S&P 500 Cap Lock account, now available with a Lincoln fixed indexed annuity. Highlights include:

Market upside potential — capture index growth up to a cap
No annual renewals — guaranteed cap rate for multiple years
100% downside protection — their money can only go up, not down

Where do fixed index annuities fit in a retirement strategy? Fixed index annuities offer principal protection and growth potential while your clients are saving for retirement and guaranteed income for life after they retire. Allocating a portion of assets to a fixed index annuity can help strengthen their portfolio. View our client approved sales idea.

Use our flyer to give your clients an overview of Sage Accumulator Fixed Indexed Single Premium Deferred Annuity (Sage Accumulator FIA). This straightforward FIA features interest crediting strategies linked to the S&P 500 Index and iShares® ETFs from BlackRock, two names your clients will know. And it includes the liquidity features you’ve come to expect, like access to required minimum distributions, 10% penalty-free withdrawals beginning in contract year 2, and surrender charge waivers for terminal illness or nursing home placement.