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As we rapidly approach the end of the calendar year, several major carriers have released significant product enhancements and crucial transition deadlines that directly impact your advanced case design and implementation strategies. These updates, including enhanced Indexed Universal Life (IUL) policies, simplified underwriting pathways, and new riders for Whole Life, are essential for maximizing client value before January 1st.

Lincoln Financial

Lincoln Financial, Fort Wayne, IN

The new Indexed Account Analyzer pre-illustration tool is now available, designed for financial professionals to explore indexed account allocations, compare performance results, and stress test recommendations.

New York Life

New York Life, New York, NY

  • The Express Issue Program is available for face amounts up to $5M for applications dated 11/8/25 – 12/31/25.
  • Until December 31st, NYL has increased the multiple of premium that can be contributed to the OPP Rider.

Prudential

Prudential, Newark, NJ

Prudential has enhanced its SVUL Protector by introducing expanded guarantee options, an updated investment lineup, and a new pricing structure. The new SVUL will offer greater product flexibility and stronger cash value growth potential, which are key features that help address the growing demand for sufficient financial protection and stable retirement security. The launch of Prudential’s new SVUL Protector necessitates immediate action on any pending cases using the older 2024 version (Issue Basis 307). Failing to meet these dates will require re-illustration on the new product version.

Securian

Securian, St. Paul, MN

Securian announced that it will increase caps and participation rates on many inforce IUL policies on November 22, 2025. Premium received and index segments created on or after November 22 will receive the new rates.

Pacific Life

Pacific Life, Newport Beach, CA

Pacific Life announced the repricing and enhancements of Pacific Elite Term life insurance product. The updated product offers:
  • Lower face amount of $250,000
  • Competitively Priced with Four Face Bands
  • Three Accelerated Death Benefit Riders: Terminal Illness, Chronic Illness, and Critical Illness
  • Conversion Benefit and Conversion Credit
  • Conversion Extension Rider
  • Waiver of Premium Rider

MassMutual

MassMutual, Springfield, MA

MassMutual recently added an Enhanced Surrender Value Rider (ESVR) and Guaranteed Issue (GI) Rate Class to its Whole Life portfolio. These additions will help financial professionals meet the growing and evolving needs of small-business owners and high-net-worth customers. Enhanced Surrender Value Rider features and benefits – The ESVR is now available for individually- or trust-owned life insurance when collaterally assigned at issue, including for premium financing arrangements. GI Rate Class features and benefits – The GI rate class is available exclusively for employer-paid plans covering 10–50 lives, across both qualified and non-qualified markets, and supports both employer- and employee-owned structures. These new additions are available in all jurisdictions except California and New York at the initial launch.

Key 2026 Dividend Interest Rate (DIR) Announcements

As we close out the calendar year, the annual announcements from major U.S. mutual carriers regarding their 2026 Dividend Interest Rates (DIRs) provide critical data for long-term modeling and strategic policy positioning. The Dividend Interest Rate (DIR) is a foundational component of the formula used to calculate the annual policy dividend, demonstrating the company’s investment performance, expense management, and mortality experience.

Note: Dividend payouts are estimates. Dividend Interest Rates are not a rate of return and are not guaranteed. They are one component of the dividend calculation.