PRODUCER ESSENTIALS

November 12, 2025

This Week's Highlights & Events

Webinar: "Mastering the Mechanics of IUL"

Indexed Universal Life (IUL) continues to evolve, offering producers more tools - and more complexity - than ever before. Understanding what drives policy performance is critical to helping clients make informed, long-term decisions.

Join Brian Keefe, Regional Vice President with Symetra, for an in-depth look at how to navigate today’s IUL landscape and gain confidence in positioning these products effectively.

You’ll learn:

The key mechanics behind IUL policy performance
The difference between Vol Control and Non-Vol Control index options
How bonuses and multipliers impact overall results
Why it’s essential to understand charges and stress testing when illustrating IUL

Don't miss this opportunity to sharpen your understanding of IUL design and help clients achieve stronger, more predictable outcomes.

Life Insurance

Save time with our new IUL allocation tool.

Differentiate with off-duration flexibility.

Corebridge presents: What you still don't know about Chronic Illness riders.

New tools to showcase a one-of-a-kind rider: Income for Life.

Corebridge Partners

Differentiate with off-duration flexibility.

Check out the latest episode of Longer. Healthier. Better. Leaders in Longevity, Dr. Gabrielle Lyon, founder of the Institute for Muscle-Centric Medicine, sshares how resistance training and muscle-building nutrition can reshape how we fight obesity, aging, and chronic disease.

Help your clients "Prepare for Better" during LTC Awareness Month by leveraging our recently released Longevity Preparedness Index (LPI).

Stop choosing between clients and marketing.

Give clients the tools to build generational weath and confidence.

Check out the Sales Strategies Webinar reply: Symetra + Nasdaq: Updates, insights and what's ahead.

Do you have Canadian clients looking for U.S. life insurance? Check out our new Canadian Citizens Underwriting Guidelines which explain how Canadian citizens living in the U.S. or Canada can obtain life insurance through Symetra.

Check out the latest Life Essentials...

Our IUL products are built with your customers in mind. Use our flyers to guide client conversations.

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.

Finish strong this year...

Ready to learn something new?

The One Big Beautiful Act can create planning opportunities for your clients. Position yourself as a professional by integrating these five ideas into your practice today.

Take a look back at what we've accomplished - together.

View the latest issue of The Lincoln Life Leader featuring.

Lock in protection, unlock growth potential — now.

Check out Protective Classic Choice term, built to accelerate policy placement and simplify your sales process. Our recent term accelerated underwriting enhancements led to improved results, with the fastest decisions for qualifying instant issue cases in as little as three minutes (based on Protective underwriting cycle times as of June 2025).

Check out MassMutual's new solutions to help address the evolving needs of small business owners.

An industry first - $75M Automatic Capacity and Jumbo Limit.

Find out how clients could get competitive level premiums with a no-cost return of premium feature.

Explore important reasons why doing business with us make sense

Help address volatility with a diversified strategy.

Help clients with their estate planning needs and show them how life insurance can play a part – with a guide for financial professionals, a fact-finder worksheet, client materials, and sample documents you can use in discussions with your clients and their legal and tax professionals.

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.

Offer select professional premium savings with 6A+ Occupation Class Overview.

Check out our Business Owner Program Profile.

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

Underwriting & New Business

See how a holistic underwriting approach could reward clients for their healthy habits in our new case study.

Check out this month's Underwriting Corner. We're spotlighting a common cause of delays - misrepresenting relationships on the eApp. A simple mistake can lead to corrections, delivery requirements, or even declined coverage.

Help clients personalize their life insurance coverage with built-in & optional riders.

Get our latest underwriting guideline updates.

Corebridge Partners

Help clients personalize their life insurance coverage with built-in & optional riders.

Get our latest underwriting guideline updates.

Advanced Markets

Check out your next growth opportunity.

Barks and Bytes: Estate Planning for Pets and Digital Assets.

How confident are you in discussing Estate Planning with clients? Check out our Advanced Markets October Digital Kit,

Save your spot: Webinar on estate planning for farmers and ranchers

Whether your clients plan to pass the farm or sell their operation, their success depends on having a sound succession plan. Join our webinar to explore strategies that help you deliver the guidance they need - today and for the future.

Hybrid Products, LTC & DI

At Nationwide, we believe everyone should be able to prepare for retirement with confidence. And having a plan in place to address potential long-term care (LTC) needs can go along way toward helping clients build that confidence. Check out our suite of cash indemnity linked-benefit LTC solutions designed to help clients get the unique protection they need.

Set sail this November during LTC Awareness month. Help clients plan today, to protect tomorrow

Reminder: effective October 20, 2025, long-term care (LTC13 and LTC09M-CA) new business apllications are now processed and administered directly by Mutual of omaha.

As a reminder, effective October 20, 2025, all long-term care (LTC13 and LTC09M-CA) new business applications are now processed and administered directly by Mutual of Omaha.

Spotlight: The Lloyd’s Market: When traditional carriers can’t—or won’t—make an offer, Lloyd’s steps in. As a surplus lines market, Lloyd’s provides solutions for hard-to-place cases, including:
• Excess DI for high-income earners needing additional coverage
• Medical impairments that make clients uninsurable elsewhere
• Hazardous or unique occupations such as pilots, athletes, and artists
• Travel medical coverage for clients abroad or visiting the U.S.

NorthCentral DI is here to help with case design, illustrations, and pre-screens.

Check out our tax-efficient LTC strategies for affluent clients.

Are you neglecting these LTC prospects?

Don't miss the LTC Awareness Month Launch Center.

Annuity Solutions

Offer a 24.9% compounded bonus - no fees, no vesting. Through MarketEdge Bonus Index, an accumulation- focused fixed index annuity, offer clients a 24.9% compounded bonus, poweful accumulation potential and zero downside risk.

Rethinking the 4% Rule: The classic 4% rule boasts an 85% success rate for a 30-year retirement—good, but not great when you’re talking about lifetime income. With a deferred annuity and a guaranteed lifetime withdrawal benefit, clients can generate the same $40,000 annual income with just $534,000, while keeping control of their assets.

Why settle for 85% when you can aim for 100% confidence? Learn about Corebridge’s Lifetime Income Choice GLWB

Want to know how top producers are closing more annuities? It’s all about simple & strategic allocation. By combining Lincoln’s Trigger Account with a Participation Account, advisors have been able to capture consistent growth opportunities while protecting their clients against market downturns. A strategic blend of these two accounts would have averaged 6.8% annual returns over the past 15 years (based on assumptions provided). This approach gives clients confidence in their retirement strategy—while giving you a proven story to win more business. Learn more. View current OptiBlend rates.