Important News & Information

Stay informed with the latest updates, essential announcements, and must-know information all in one place.

Policy Review - Carrier Resources

→ Nationwide - Help your clients stay on track

→ Prudential - Policy review concept kit

→ Principal - Life insurance review marketing guide

→ Symetra - Policy Review Concept Brochure

→ Pacific Life - Start 2026 strong with life insurance policy reviews

Carrier/Product Updates

→ Allianz - Explore new insights into the key factors fueling retirement fears

→ John Hancock - Be the first to know. Something BIG is coming!

→ MassMutual - Do clients have a clear vision of their future?

→ Securian - New York replacement business discontinuation

→ Principal - Universal Life Provide Edge II (UL Provider Edge II) will be discontinued in New York at year-end 2025 and Principal UL Provider Edge II will be discontinued in remaining states in January 2026.

→ MassMutual - Additional Life Insurance Rider (ALIR) has new limits

→ Lincoln Financial - Kicking off the year with a positive term update

Policy Review Spotlight: Key Risks to Watch in 2026

As we move into the new year, several policy characteristics warrant closer attention:

→ Universal Life policies issued 2008-2014 - many policies may have been illustrated with assumptions that no longer hold, particularly around crediting rates and cost of insurance (COI).

→ Premium offset strategies could now be under pressure - Clients expecting policies to "carry themselves" may face funding gaps sooner than anticipated.

→ Loan-heavy policies - Rising loan balances can quietly erode policy sustainability, especially if crediting rates fail to outpace loan interest.

Action Tip: Annual in-force illustrations are necessary, but not always sufficient. A meaningful review should evaluate policy mechanics, funding strategy, and client intent, not just ledger values.