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June 2026 Product Update

June Product Update: The Architecture of Adaptability

June 2026 brings a refined focus on precision and adaptation across the industry. While the volume of carrier announcements is lean, the substance signals a clear shift toward streamlined mechanics and technological integration. We are seeing legacy products retired to make way for highly calibrated variable options and artificial intelligence frameworks designed to elevate the advisor experience.

 

Carrier Updates

 

Pacific Life – Newport Beach, CA
 

Pacific Life is refining its variable universal life portfolio with key product transitions this month.

  • The Pacific Protector VUL is being discontinued and will no longer be available for new sales. To apply for this product, the ticket and all associated new business submission paperwork must be signed, dated, and received in the Life Insurance Division by July 13, 2026. Submissions received after this date will not be processed, and the case will be closed.
  • Effective May 18, 2026, Pacific Life launched Pacific Admiral VUL 2. This new product replaces both Pacific Admiral VUL and Pacific Select VUL 2. Pacific Admiral VUL 2 features a streamlined design with a broad selection of 66 variable investment options, including low-cost index funds. The product provides competitive no-lapse features, flexible coverage options, and solutions for addressing chronic illness or long-term care needs. It includes a choice of two indexed accounts, alongside a Fixed Account offering minimum interest crediting rates. The new solution is approved in most states except California, and it will not be available in New York. To qualify for the outgoing Pacific Admiral VUL and Pacific Select VUL 2, applications or tickets must be received by July 13, 2026, as submissions after this date will not be accepted. For pending cases requesting the new Pacific Admiral VUL 2, the request must be submitted on or after May 18, 2026, complete with a signed statement and an illustration for the new product.

 

Prudential – Newark, NJ

 

Effective May 18, 2026, Prudential introduced Just Ask, expanding the use of artificial intelligence to support financial professionals.

 

Principal Financial – Des Moines, IA
 

Effective May 15, 2026, new rates apply to new-issue policies for Principal Term for 10, 15, 20, and 30-year durations in South Dakota. These new rates are now approved in most states. A new band of rates is available at the $3 million and above threshold to improve competitiveness at higher face amounts. The reprice includes updates to Base Nonconvertible, Base Convertible, and Conversion Extension Rider rates. The new version displays in the illustration system as Term 2023 (05/2026) for products issued in New York by PLIC and outside New York by PNL.

 

Mass Mutual, Springfield, MA

 

Effective May 16, 2026, MassMutual automatically includes the Living Well Rider on eligible new whole life policies. This rider offers multi-cancer early detection, disease risk assessment, and mental health support at no additional cost. In states where the rider is not yet available, specifically California, New York, and Pennsylvania, policies will continue to be issued without the rider until it becomes available.