Weekly News

Professional Athlete Life Insurance Program  
Solutions designed for highly skilled and trained sports participants require a flexible and comprehensive life insurance program.

The program includes:

• Term and UL coverage options for personal coverage
• UL products for business coverage
• Pro athlete cases are retention sale with facultative coverage available at higher amounts

Get the details on guidelines for applications and inquiries.

Annuity Updates
In this issue:

• The Elite Producer Compensation Program — end of year is fast approaching!
• Important notice for selling agents in Texas
• 2025 annuity processing cut off dates

Expanded DI non-medical requirements - Get details.

$150 AGENT PROMOTION through December 31^st - Learn more.

A new lens on longevity - Listen to the podcast.

Lincoln Leader for Fixed Annuities
In this issue:

• NEW materials available: Fixed Annuity Resource Guide
• NEW Video: Find growth in up, flat and down markets
• 2025 year-end deadlines
• Holiday hours
• Market Intel Exchange
• Expanded access to pending case status tool
• Annuity Retirement Forms Update
• Ready to Sell Tool Adds Anti-Money Laundering Status

OptiBlend fixed indexed annuity - See the rates effective November 15^th.

MYGuarantee Plus - See the rates effective November 15^th.

New solutions for business owners - ESVR & GI Rate Class
MassMutual now offers new solutions on whole life insurance policies designed to help you capture opportunities in business owner planning. The Guaranteed Issue rate class streamlines underwriting and reduces administrative burdens, while the Enhanced Surrender Value Rider provides business owners with balance sheet relief and financial flexibility.

Use these resources:

• ESVR Snapshot
• GI Guide
• Business Profile Snapshot

Express Newsletter
In this issue:

• Expense Allocation Method in United of Omaha Illustrations
• NAIC Guidelines for Brokerage General Agents in NY
• Accidents Happen. Protect Your Clients.
• Reminder: Migration of LTC13 and LTC09M-CA In-Force Business Now Underway
• Boost Your Clients' Protection: Real Wins with Enhanced Coverage
• Non-Working Spouses & Critical Coverage

Charter Plus materials now in Spanish - Access the materials.

Allocation suggestions from The Index Standard
The Index Standard uses its innovative methodology to develop forward-looking projections for indices and to forecast annuity performance outcomes, supplementing the information provided by traditional, historical-looking methods.

Product Training Requirements for Asset Care enhancements in DE, ND, SC & SD - Get details.

In the Loop
In this issue:

• Updated underwriting guide and accelerated eligibility checklist to reflect program enhancements
• Three underwriting paths, one clear process
• Agent Ready-to-Sell tool
• Field technology updates
• 2025 holiday schedule and year-end processing guidelines

Starting the estate planning conversation with Black Americans
Use the materials in the Blueprints to Black Wealth Playbook to help Black American clients recognize that any amount of cash, possessions, or assets forms their estate—and that intentional planning helps ensure those resources can sufficiently support their loved ones and build a lasting legacy for generations to come.

Annuities - See the rates effective November 24^th.