Carrier and Product Updates Week ending March 10, 2017

Annuity Updates Current Fixed Annuity Rates as of 3.1.17 Product and Carrier Updates

Brighthouse Financial Premier Accumulator Universal Life Product Update

For Brighthouse Premier Accumulator Universal LifeSM policies that have been issued or will be issued outside of New York, the

following changes are effective April 28, 2017:

The current interest crediting rate will be reduced to 4.00%. MetLife Solutions (MLS) has been updated to reflect the new interest crediting rate

The maximum face amount will be reduced to $5,000,000. This applies to new business and any inforce policies requesting an increase in face amount. In good order applications for policies with face amounts greater than $5,000,000 must be received in the Home Office by April 28, 2017.

In New York, Premier Accumulator Universal Life will continue to be issued by Metropolitan Life Insurance Company (MLIC). The cur-

rent interest crediting rate will remain at 4.45% for policies that have been or will be issued by MLIC. Effective immediately, the maxi-

mum face amount for new business issued by MLIC will be reduced to $5,000,000. Read more

Term Conversion Updates

For Brighthouse Financial policies issued outside of New York, term policies may be converted to Brighthouse Premier Accumula-

tor Universal LifeSM issued by Brighthouse Life Insurance Company.

For Brighthouse Financial policies issued in New York, term policies may be converted to Whole Life 2008 issued by Metropolitan

Life Insurance Company (MLIC). Read more

John Hancock New Lower Term Rates

John Hancock’s Term ’17 offers improved monthly premiums, lower 10-year term premiums for women, a new Unemployment

Protection Rider, and a conversion feature that now extends to the end of the level term period. Read more

A Vanbridge Company

Carrier and Product Updates Week ending March 10, 2017

Legal & General America Automated Underwriting Eligibility Expanded

Clients applying for up to $1 million of coverage through AppAssist, may be eligible for approval with no medical exams, labs or APSs

required. Read more

Lincoln Financial

Important Lincoln Life Product Updates

Effective January 23, 2017 pricing improvements will be applied to the term product portfolio.

Effective February 13, 2017 pricing will increase on the LifeGuarantee SUL product.

Effective March 15, 2017 cap and participation rates will decrease on their IUL product portfolio.

Read more

Lincoln will be increasing pricing on MoneyGuard

Lincoln will be implementing pricing changes for new sales of Lincoln MoneyGuard® II on April 17, 2017, pending state approvals.

These pricing changes can be up to 11% on single pay and up to 18% on flexible pay scenarios. In addition, they are expanding our

payment options to provide more financial flexibility to clients. Existing policy owners are not affected, assuming all premiums are

paid as scheduled and no loans or withdrawals are taken for the life of the policy. Read more

Minnesota Life/Securian

Introducing SecureCare Universal Life

Effective March 17th, SecureCare Universal Life will be available. It is a single-premium, permanent life insurance policy with long-term

care benefits. SecureCare can protect clients’ families and financials if they ever have a long-term care event, and provides three guar-

antees. Read more

Mutual of Omaha

Important Product Update from Mutual of Omaha

Effective March 1st

Suspending sales of the following products:

Guaranteed Universal Life Plus—designed for larger first-year premium dump-ins

Guaranteed Universal Life Survivor—designed for second-to-die, survivorship sales

The individual Guaranteed Universal Life product will remain available, which is where they receive the majority of their fully-guaranteed life insurance business.

A Vanbridge Company

Carrier and Product Updates Week ending March 10, 2017

Nationwide Pricing Changes to Nationwide's Term Products

Effective March 13th

Adjusting the pricing on YourLife Guaranteed Level Term (GLT): 10-, 15-, 20- and 30-year

Although price is increasing in some instances, the majority of the changes are price decreases

Read more

YourLife Indexed Protector & Accumulator UL with LTC Rider II

Effective March 13th, the new Long-Term Care Rider will be available on YourLife® Indexed UL, YourLife® Indexed UL Accumulator, & YourLife® Indexed UL Protector for applicable states. Read more

Indexed UL Fixed Rate Change

Effective April 1st, the Fixed Interest Strategy rate for all IUL products will change from 3.50% to 3.25%. Read more

PacLife Introducing Pacific Discovery Xelerator IUL

Beginning Feb. 27, 2017, Pacific Discovery Xelerator IUL1 is available for new sales, subject to state approval. This new product is the latest addition to Pacific Life Insurance Company’s line of indexed universal life insurance (IUL) products and is not replacing any other product.

Longer coverage charges (to age 121 on a current basis) and an indexed account performance factor that may increase policy performance on a nonguaranteed basis .

Read more

Prudential UL Protector Reprice

New pricing on PruLife UL Protector, effective March 6, 2017, pending state approval. This price change is necessary to maintain the

sustainability of UL Protector during this ongoing period of historically low interest rates. We will continue to monitor pricing on our

entire suite of products and exercise the financial discipline that has helped Prudential provide enduring value to its clients for over

140 years.

Level pay increases will range from 4 - 10% varying by cell. Average increase of 6% for ages 55-75.

Single pays increases will range from 9 - 19%. Average increase of 12% for ages 55 - 75.

CTPs will be increased. Generally, CTPs will be higher than level pay premiums.

Face amount limits will be removed on applied for policies using the new rates.

Read more

A Vanbridge Company

Carrier and Product Updates Week ending March 10, 2017

Upcoming Webinars

American General Unleashing the Power of IUL

Tuesday, March 21st at 2pm CT and Thursday, March 23rd at 10am CT

The two decisions a client must make every time they purchase life insurance

How to “opt out” of paying more taxes in retirement

An impactful way to describe the power of index interest crediting in IUL

The amazing tax advantages of life insurance that your clients don’t understand

A story you can tell clients on a napkin that shows how to achieve retirement security with life insurance

Learn more

Lincoln Financial The Impact of Future Tax Reform on Small Businesses

Thursday, March 16th at 1pm ET

The tax reform proposals and the impact to small businesses

The need for owners to have a plan to bridge the retirements savings gap

The value of life insurance in business planning

Read more

Securian Leveraging Your Clients’ Assets to Protect Their Retirement with SecureCare

March 15, 2017 Register Now

March 22, 2017 Register Now

A Vanbridge Company