Occtober 28, 2026
Rethinking traditional retirement income planning
Retirement income planning is evolving, and many clients are looking beyond traditional strategies for added confidence. Discover annuity considerations that may help support changing income needs. Discover more.
Expand your reach with postcards
Expand your marketing reach with professionally designed postcards available on the 1Vision Supply Order site. Choose from a variety of options to help spark conversations and maintain client engagement. View the guide to access the supply order site to get started. View the supply guide.
Year-end processing guidelines and holiday closures – See them here.
Year-end processing dates and holiday hours – Get details.
Benefit Options with Cash Payments for PCS II and Choice 1 Policyholders in VT – Get details.
Genworth’s Life Policy Conversion – Get details.
Annual Notice of Advertising Pre-Approval Procedures – Download the guidelines.
4 proven selling concepts to sell DI
At first, disability income insurance (DI) can be difficult for some people to grasp. Clients often think it won’t ever happen to them. Take a look at these four approaches you can take to explain the need for DI.
When does a flat market = a positive return?
For clients looking for more predictable growth, the 1 Year S&P 500 Performance Triggered account may be a good option with a Lincoln fixed indexed annuity.
The power behind the strategy is its simplicity — when the S&P 500 Index is flat or positive after a one-year term, the account is credited a specified rate. And if it’s negative, clients have 100% downside protection. Consider that when you look at the S&P 500 Index over the past 20 years — with positive returns 79% of the time! View the flyer.
Introducing new UL Guard in CA
UL Guard is now available in California. Learn about this guaranteed universal life solution, offering:
Express
In this issue:
Updated allocation scenarios
The allocation scenarios in The Index Standard reports offer suggestions for how your clients could allocate their premium among the available index strategies of five of our most popular fixed index annuities, aiming to balance performance potential with diversification.
A New Alternative for Declined Cases
If an applicant is declined for Asset Care or Annuity Care but can answer “no” to the 4 applicable Annuity Care knockout questions, they may now be offered a base-only Annuity Care solution as an alternative. This gives you another potential path forward when a client does not qualify for the solution originally requested.
The takeaway: A decline may not be the end of the conversation. Take another look at recent cases that could benefit from this alternative.
Asset Care Enhancements: More Flexibility, More Opportunity
Recent Asset Care enhancements expand the ways the solution can support client planning, including:
A new 3-year Acceleration of Benefits option
Additional limited-pay funding options, including 5-year and 20-year durations
The takeaway: These updates create more flexibility for retirement-focused clients and families looking to reposition existing qualified assets for long-term care protection.
Annuity Exchange: Are You Taking Advantage?
The Annuity Exchange remains one of our fastest-growing opportunities. Clients with older or underperforming annuities may be able to reposition those assets into a solution that can provide long-term care benefits, while still maintaining annuity value.
The value goes beyond the policy. OneAmerica’s Claims Concierge program provides valuable, dedicated support to clients and their families as they navigate the claims process.
The takeaway: Help your producers look at their existing book of business. A simple policy review could uncover the next opportunity.
Coming in 2027: Asset Care Moves to E-App Only
Beginning January 1, 2027, all Asset Care applications must be submitted electronically. E-app helps reduce missing information, automatically orders required items and gives clients the flexibility to complete the personal and health questions on their own or with the financial professional.
The takeaway: Now is the time to make sure your team is ready and comfortable with the electronic application process.
In the Loop
In this issue:
Life Essentials
In this issue:
Case Study: What can our Automatic Upgrade Program do for your clients?
At age 60, Maya is celebrating the birth of her first grandchild. Maya’s mind turns toward leaving a financial legacy. She’s considering indexed universal life insurance, but she wants the best pricing possible.
Maya is generally healthy, has no chronic conditions and meets the build guidelines for a Standard rating. However, her insurance professional knows she could qualify for something better. With Symetra’s Automatic Upgrade Program (PDF), available through Dec. 31, 2026, Maya may be eligible for an improved underwriting rating — potentially saving her significantly on premiums.
See how Maya’s case came together and what may be possible for your clients.
Higher GLWB rates on Income Edge Plus
Effective October 29th, Securian has Higher Base Guaranteed Lifetime Withdrawal Benefit (GLWB) withdrawal percentages for all ages.
Single Life, Level Withdrawal Percentages for key ages.
Issue age 60:
Issue age 65:
New Business Transition Rules:
