September 16, 2026
Now available - Smart Start Accumulator Series 5!
The Smart Start Accumulator Series now offers a five-year surrender period to help meet the needs of your clients with shorter retirement timelines. This fixed index annuity offers preset and custom allocation options for potential growth, and protection from first-year crediting zeros through its Smarter Start Guarantee feature.
Fully-funded applications submitted through November 8th will secure a guaranteed 5% Smarter Start Guarantee rate on qualifying first-year allocations. Clients will receive this rate, or their index credit, whichever is higher. Applications after this date will receive our stated guaranteed rate.
Get marketing materials and training requirements.
Navigating temporary income valleys
For many retirees, there is a period of time between retirement and the start of Social Security benefits and RMDs. Learn how this temporary “income valley” may create opportunities to better manage taxable income in retirement.
Accelerate
In this issue:
Help clients turn a lifetime of savings into lasting retirement income
As your clients build their nest egg, they need smart products that offer flexibility. In addition to death benefit protection for loved ones, our accumulation IUL - Max Accumulation+ - provides Multiple options to maximize cash value growth with tax free access while living.
Strong decumulation strategies are just as important when it is time to retire.
Access more materials to add to your Life Insurance Awareness toolbox to help clients move from saving for retirement to creating lasting income.
NEW Coverage Review Letters with Benefit Options for PCS II and Choice I Policyholders in NC, RI, and MT - Read the bulletin.
Disability insurance built for tradespeople
Your clients in skilled trades—like barbers, mechanics, dental assistants and HVAC techs—depend on their physical health to do their jobs. A disabling illness or injury could put their income and financial future at risk.
With Illinois Mutual’s disability income insurance (DI) solutions, you can offer protection that:
Help educate your clients with these flyers:
Don’t let the family outcome fall short
When we use a lifetime income rider on an FIA, the goal is simple: shift longevity risk off the client’s shoulders and create guaranteed income they can’t outlive.That works extremely well… if the client lives a long life.
But retirement doesn’t follow a single path:
The gap: If a client passes away early, beneficiaries often receive only the remaining account value - often just what’s left of the client’s own money. That’s not maximizing the family outcome.
The Solution: OptiBlend Income + Estate Lock
Opportunities for growth in flat markets, designed for more upside in strong markets. Lincoln FIAs make it possible to do both.
Explore the strategy.
Lincoln Leader for Life Solutions
In this issue:
A simple way to introduce life coverage
While each client’s financial goals are unique, their journey follows a familiar pattern of evolving needs — one that calls for protection strategies that can adapt, grow, and support what matters most at every stage of life.
This is the foundation of MassMutual’s new Client Life Cycle framework, designed to help you align the right Life and Disability Income solutions to where each client is today — and where they’re headed next — through more personalized, needs based conversations.
The Closing Concept:
When Life Changes, Protection Matters
Many people know they need life insurance but find it easy to put off, at least until life creates a reason to act. In this Closing Concept, see how a conversation that began with final expenses uncovered a broader protection need and led to a Living Promise® whole life insurance policy sale.
This case offers practical insights into recognizing buying signals, uncovering client motivations and positioning solutions when the need for protection suddenly becomes real.
Express
In this issue:
Help clients navigate uncertainty with confidence
Economic uncertainty is prompting investors to take a more proactive approach to retirement planning, creating opportunities for you to deliver guidance and guaranteed income strategies that help clients address market risks and build greater confidence in their financial futures. Explore more.
Overcoming customer objections to life insurance
Equip clients to confidently address common life insurance objections by reframing concerns about need, affordability, workplace coverage, and competing priorities, while emphasizing protection, flexibility, portability, and the value of a personalized insurance review. View the flyer.
Deferred Protection Annuity (DPA 2.0) and Fixed Indexed Annuity (FIA): A side-by-side comparison
Check out a concise comparison of DPA 2.0 and FIA solutions, highlighting key features and differences to help you identify client needs and position appropriate retirement income strategies.
Underwriting people, not policies
See how Nationwide’s underwriting team evaluates the whole client, not just the application, using innovative tools and individualized review to secure competitive outcomes, including favorable decisions for complex health, lifestyle, and foreign national cases.
Clients want security; you can help deliver it
New research shows Americans increasingly prioritize financial protection and stability alongside growth, creating an opportunity for you to help clients balance both objectives through personalized planning, retirement income strategies and risk management solutions. View the flyer.
Why LTC conversations matter more than ever
Long-term care (LTC) awareness is rising, but preparation remains low, creating a significant opportunity for you to help clients address coverage misconceptions, plan for future care costs, support aging-in-place goals, and strengthen client relationships through proactive LTC planning. Read the blog.
A partial Roth conversion strategy
For clients considering a Roth conversion, this strategy can help spread taxes over multiple years while creating tax-free, guaranteed lifetime income potential. View the strategy flyer.
Compliance Guide and Ad Guidelines
How you can stand out when discussing LTC
Clients have more long-term care options than ever, but none offer the combination of flexibility, leverage and lifetime protection that Asset Care can provide. When you highlight how our design works, your clients can quickly see how our solutions are different.
Here are three ways to highlight the value:
Asset Care is not just another long-term care protection option. It aligns with how clients already think about protecting their wealth.
Share this guide with clients as they begin navigating long-term care decisions with their families.
New Term Incentive
From September 8 to October 30, 2026, Protective Classic Choice term is your way to more rewards and more protection for clients. Earn up to $500 and be entered into a drawing for one of 3 $1000 gift cards. Get complete details on UUI’s Incentives Page.
Life Essentials
In this issue:
Seeding Wealth for The Next Generation
Trump Accounts launched in July. Many know of the $1,000 seed deposit, open to American children born 1/1/25-12/31/28. But there’s much more to consider. They’re just one of many options to save for a child’s future. Here are 10 key facts to weigh competing priorities and personal needs.
GMIR to increase on October 1st
Effective 10/1/26, the Guaranteed Minimum Interest Rate (GMIR) increases to 2.75%* for fixed annuities and fixed accounts in our indexed annuities. This applies to new contracts. Apps signed before 10/1/26 receive the previous GMIR.
*GMIR for SPDA Series II is 2.45% in OR and 2.70% in WA. Kansas disclosure: Older versions accepted until 10/31/26 BUT require manual GMIR correction at point-of-sale.
