Financial Services Updates

New Accumulation VUL: flexible protection, unlimited potential

Offer your clients an outstanding option to reinforce their financial future. Our newly enhanced Accumulation VUL provides a compelling combination of strong tax-deferred cash value accumulation and cost-effective death benefit protection. Discover how this innovative product can deliver remarkable value. Learn More

*State approvals – Accumulation VUL 25 is approved in all states except CA, FL, GU & NY

Discover our new lower term rates
We are excited to announce new lower rates for John Hancock Protection Term and Vitality Term, along with unique benefits that offer even greater value for you and your clients

Enhanced policy delivery for term clients
At John Hancock, we are continually improving our submission processes to provide you and your clients a frictionless journey.

Today, we are excited to introduce a fully digital onboarding process for newly-issued term policies that provides your clients with a fast and seamless experience, while helping get you from submission to commission as quickly as possible

A new indexed account on our IUL portfolio
The Base Capped indexed account is now available on Protection IUL 24, Protection Survivorship IUL 24 and Accumulation IUL 24 — offering your clients more opportunities for growth. This account, tied to the S&P 500®, offers simple, transparent crediting with a cap, guaranteed 0% floor, no Indexed Performance Charge and no multipliers.

Annual updates to maximum illustration rates on all indexed accounts have also been implemented.

Update to Chronic Illness rider
At John Hancock, we are always looking for ways to make our robust lineup of living-benefit riders even more effective. To that end, we’re excited to share that our popular Chronic Illness Rider (monthly charge) now includes the option to adjust the acceleration benefit percentage based on the death benefit, allowing you to tailor the coverage to better meet your clients’ unique needs.

Variable universal life funds update
As of 2/10/25, High Yield’s subadvisor has been changed from Western Asset Management Company to Manulife Investment Management (US) LLC. JH Illustrator and marketing materials will be updated to reflect this change effective 3/17/25. See attached prospectus supplement for more information.

• Buy-Sell Planning with Business Valuations
  • Discover how recent tax cases, such as the Connelly case, drive the need for proper buy-sell and life insurance planning for closely owned businesses. Click here to learn more.

• Available March 24, 2025
  • Effective March 24, 2025, and subject to state availability, Lincoln is pleased to introduce Lincoln WealthBuilderSM Indexed Universal Life Insurance (IUL), our rebranded IUL and first new solution in Lincoln’s Elite IUL Portfolio. Learn more at the product launch Webinar – register here.

MassMutual: New UL Guard and SUL Guard coming in July 2025

Mutual of Omaha Insurance Company: Inforce LTCi Rate Adjustments Effective August 1, 2025

Nationwide Life and Annuity: Cap, Participation, Spread and Fixed Rate Improvements on closed block of business

• Brand
  • OneAmerica has now become OneAmerica Financial. We have a newly updated website where people can view our new logo and see our new, fresh design (Home (oneamerica.com))

• Physical Pieces
  • For Consumers:
    • Annuity Care II Funding Options Brochure: This brochure focuses on using a SPDA w/ a built in COB. The brochure mentions some product highlights, tax advantages, types of care covered, and a joint life option. (State specific so I’m not going to include one to promote)
  • For Producers
    • Asset Care Infographic: This piece shows who OneAmerica Financial is, showcasing the resources available to them and the different types of product solutions we provide.
    • PUI Checklist: This piece allows for additional aid, helping agents with their initial underwriting findings.
    • Care Solutions Process Guide: This piece walks though the process of new business. It outlines three steps: Submission, Underwriting, and Issue/Pay.

• New Marketing Collateral
  • Survivor Purchase Option Brochure (Consumer): This brochure gives the reader a clear picture of the benefits of OneAmerica’s Survivor Purchase Option Rider and focuses on why you would want it, how to get it, and some of the unique features available.
  • Claims Experience Infographic (Consumer): This infographic provides information on our claims department and some demographic data regarding LTC claims.
  • The SECURE Act Sales Idea (Producer): This is an updated version of our SECURE Act Sales Idea.

• Deep Dives
  • The OneAmerica Story (The OneAmerica Story | GoToStage.com): This deep dive focuses on who OneAmerica is as a company. It touches on our mutual insurance, holding company structure, our multiple lines of business, financials, and much more.

• Care Solutions
  • OneAmerica provides clients with asset-based long-term care strategies that provide protection when needed and allows families to focus on care, not costs.
  • Click here to access the Product Overview.

• Using IRA Dollars to Fund LTC
  • This sales idea discusses their Annuity Funding Whole Life option and uses a hypothetical example of how the product works to help pay for qualifying LTC expenses.
  • Click here to learn more.

• Stacking Strategy Sales Idea
  • This sales idea discusses how purchasing many policies at a smaller initial premium payment over time can lead to a substantial death benefit and premium savings down the road. It also gives a QR code to provide agents with a 14-minute video discussing this sales idea.
  • Click here to learn more.

• Beyond Asset Protection Sales Idea
  • This sales idea takes a different approach, focusing on their Care Benefit Concierge, rather than product itself. It highlights how each policyholder is assigned ONE person to assist them with any and all questions regarding their policy to relieve stress and provide clarity.
  • Click here to learn more.

• Webinar: Two Approaches to the LTC Conversation
  • This webinar focuses on initiating the LTC conversation using either an economic or emotional approach to best apply it to different types of clients.
  • Click here to watch. 

• Webinar: Asset Care – Handling One-Liners and Objections
  • This webinar helps the agents with some one-liners for selling LTC and handling some common objections agents hear from clients and how to handle them.
  • Click here to watch.

• Webinar: LTC Knowledge
  • This webinar is intended for agents and marketers who are newer to promoting and selling long-term care protection. We will focus on building your knowledge of terms and services widely used in the LTC industry.
  • Click here to watch.

• Excess Disability Insurance
  • To properly insure a highly compensated individual at 65% of income, multiple disability income policies are often required and are layered or “tiered” to provide sufficient income protection. Petersen International can provide a complete solution to your clients. Click here to learn more.

• Business Loan Failure to Survive
  • The Petersen International Business Loan Failure to Survive (FTS) plan is a simplified-issue term product that provides a death benefit which can be collaterally assigned to a lending institution for the explicit purpose of covering a business loan.  The product requires no exams or labs, just an application that can be underwritten, issued and assigned in a matter of days, not weeks or months.  It is the perfect tool to meet the tight closing schedules of most lenders including SBA lenders.  The FTS coverage can also be taken out by clients who are currently in underwriting for traditional policies, but are needing immediate coverage to close on their loan.

• Needlestick Insurance
  • Petersen International Underwriters has announced a new product called Needlestick Insurance for the employee benefits market. This group benefit plan offers a lump sum up to $100,000 per employee who have been injured by a needlestick occurrence on the job and have contracted a bloodborne pathogen. The purpose of the insurance is to help cover costs associated with testing, treatment and other expenses that may arise as a result of needlestick injury, such as lost wages and travel expenses. Click here to learn more.

• Key Person Disability Insurance
  • This is designed to help your company offset the financial burden of the loss of your business’s “rainmaker.”  It is a business-owned product that pays benefits to your company if the key employee becomes disabled due to sickness or injury. Click here to learn more.

• Failure To Survive Insurance
  • Individuals looking to close on SBA and other business loans know how slow and painful it can be waiting for full underwriting for life insurance to satisfy lender requirements. For those individuals who don’t qualify for accelerated or simplified underwriting domestically, Petersen has a solution: The Petersen International Business Loan Failure to Survive (FTS) plan is a simplified-issue term product that provides a death benefit which can be collaterally assigned to a lending institution for the explicit purpose of covering a business loan. The product requires no exams or labs, just an application that can be underwritten, issued and assigned in a matter of days, not weeks or months. It is the perfect tool to meet the tight closing schedules of most lenders including SBA lenders. The FTS coverage can also be taken out by clients who are currently in underwriting for traditional policies, but are needing immediate coverage to close on their loan.

• Professional Athletes Disability Insurance
  • In sports we watch and cheer for our favorite players, but when they are injured what safeguards to they have? The career of an athlete is extraordinarily short and Petersen International can insure professional athletes against potential career-ending injuries. For more information, click here.

• Overhead Expense Insurance
  • Small business owners have two assets at risk if they become disabled – their income and the survival of their business. A Disability Income Overhead Expense policy can reimburse the small business owner for their share of the ongoing expenses that need to be met during their absence to help that business survive. These can include:
    • Rent or mortgage
    • Utilities
    • Property taxes
    • Employee salaries
    • Property and casualty insurance
  • This is a great solution for small physician and dental practices as well s legal, consulting, or sales firms.
  • Through our partnership with Principal you can help your clients protect up to $50,000 per month of expenses. Share these two flyers to help your clients understand the risk and how these policies work:
    • BOE Basics
    • BOE Product Profile

• Business Loan Protection Benefit
  • Do you have business owner clients who have taken out loans to buy or expand their business? If they become disabled, how can they continue to pay that obligation? Those payments are not forgiven by the bank if your client can’t work. We often see the need for a younger professional who is buying out a retiring professional to protect the loan they have committed to.
  • Through your partnership with Principal®, they can help you protect up to a $2M obligation and up to a $20,000 per month payment through their Disability Loan Protection policy.
  • Review the program details with this profile, and share this with your clients to help them understand how you can help.

• Buy DI on Yourself
  • Have you taken the proper steps to protect your income? Your ability to earn an income needs to be protected. Also, owning what you’re selling is always a testament to your clients that you believe in its importance. You can purchase a plan for Principal with a 10% “affiliation” discount just for being licensed. You will also earn at least 50% first year commission. That’s at least a 60% savings in the first year! For more information, view this flyer.

Upcoming rate changes for select life insurance products

As part of our commitment to helping you better serve your clients, we’re informing you of upcoming rate updates on Protective Indexed Choice^SM UL and select in-force universal life products.

Learn More

• VUL Protector
  • As of today, June 23, 2025, the industry’s leading VUL product (according to 4Q 2024 LIMRA data)* has been enhanced with more No-Lapse Guarantee choices, a refreshed investment menu, and new pricing to help clients balance protection and growth for what matters most. Click here for details.
    *Based on Fourth Quarter 2024. LIMRA U.S. Retail Individual Life Insurance Sales Report using Annualized with Excess Premium.

• Your 10 Minute Monday Motivation 
  • People are always looking for new ideas. Listen to our weekly webcasts to gain professional insight from industry leaders at Prudential. Click here to register and learn more.

• Trimester Campaign
  • Our Trimester Campaign site houses a lot of useful information. There are different themes for each trimester with a different monthly topic for which there are monthly webinars. To explore the 2025 trimester themes, click here.

• FlexGuard 
  • FlexGuard Life materials updated for July 2025 changes
    • Effective July 15, 2025, there will be Step Rate and Cap changes to FlexGuard Life. Click below for the updated pieces.
      • FLEXGUARD LIFE 2025 RATE CARD
      • FLEXGUARD LIFE RATE CARD
      • FLEXGUARD LIFE 2025 BUFFERED INDEX STRATEGIES FLYER
      • FLEXGUARD LIFE BUFFERED INDEX STRATEGIES FLYER 
  • FlexGuard Life IVUL: Enhanced Flexibility and Customization
    • As of March 17, Prudential FlexGuard® Life IVUL—already a highly flexible way to provide death benefit protection and grow cash values—will introduce exciting features to further enhance its flexibility and customization options. Get ready for the new Enhanced Cap Rate and Dual Directional Index Strategies, expanded buffer options, and improved accumulation pricing!
  • FlexGuard Life materials updated for January 2025 changes
    • Effective Jan. 15, 2025, there will be Step Rate changes to FlexGuard Life. Here are the updated Rate Card and Buffered Index Strategies Flyer. 

• Trimester sales strategies: Uncovering income opportunities
  • Act now to show clients how they can effectively leverage cash value life insurance to their advantage. Help them understand how it provides death benefit protection and offers the potential to build cash value that can help supplement retirement income and cover expenses like college tuition and health care costs. Learn more here.

• Fund changes for April 2025
  • There will be three fund changes in April 2025. Please click here to learn more.

• iPipeline Worksheet option now available for EssentialTerm products!
  • The EssentialTerm products are now available via a Worksheet option in iPipeline. Drop ticket options, including the iPipeline Fast App (Drop Ticket), will continue to be available. Work is underway to expand to other submission options including PDF form packages.

• The return of the Alliance Account
  • The Alliance Account has returned as a payment option for Individual Life Insurance Claims in 4th Quarter of 2024. A form is currently required for ALL Claims where Alliance is selected and can be completed via DocuSign.

We’re launching our new Long-Term Care Agreement (LTCA) on June 30, 2025. The LTCA is available on our individual universal life policies in all states except California, Montana, New York and Oregon.

This agreement helps transform a universal life policy into a comprehensive solution that can address long-term care (LTC) needs, in addition to providing death benefit protection. If clients need LTC, they can leverage their policy to provide a cash indemnity benefit for care (7702B).

Click here for more details

• Individual Disability Insurance (IDI) Helps Fill The Gap
  • If you earn a higher salary, or rely on bonuses or commissions, you may need additional income protection to provide for you and loved ones while on leave from work due to a covered illness or injury. Long Term Disability (LTD) is an excellent foundation for income protection; but benefits maximums, uncovered compensation, and taxable benefits may leave higher income earners with a gap in coverage.
  • How Unum IDI policy helps you protect your income
    • Can replace a higher percentage of your income
    • Can cover commission and bonuses
    • Individually owned, so you can keep the policy if you change jobs
    • Benefits are not offset by Workers’ Compensation and Social Security Disability Insurance payments

• IDI Unum Executive Benefits
  • In today’s competitive business environment, supplemental Individual Disability Insurance (IDI) has become essential coverage for top talent. While traditional Group Long-Term Disability (LTD) provides sufficient income replacement for most employees, it could be far below the take home pay for the highly compensated employees. Click here to learn more.