The carrier landscape of early 2026 is defined by structural resilience. As we move into March, the focus has shifted toward long-term policy integrity and jurisdictional expansion. At Three Points, we see this as the “Year of the Architecture,” where the value of a solution is found not just in its current cap rate, but in the sophisticated mechanics designed to sustain it through a fifty-year horizon.
As we move into February, the carrier landscape is defined by aggressive product launches and strategic pricing adjustments. From John Hancock’s new protection-focused IUL to Lincoln’s term reprice, here is the latest news from major national carriers.
It is easy to illustrate high returns in a vacuum, but real financial wellness is built on how a policy performs under imperfect conditions. In this sequel to last month’s analysis, we are stress-testing a new case example using a 200-basis-point haircut to the AG49 rate dropping it from 6.59 to 4.59% and a forced 0% index credit every fifth year.
Closing the deal is just the start. The true longevity and success of a sophisticated insurance solution rely on post-design analysis. In the latest installment of our Services Highlight Reel, we dive into our Custom Analytics service. Our commitment to precision extends beyond the initial design phase. Custom analytics are crafted post-market run and design completion, empowering you with comprehensive insights to effectively present and navigate your client strategy.
IUL debates are nothing new, but with the Kyle Busch/Pacific Life IUL lawsuit making headlines, the product’s mechanics are getting even more attention than usual. While high-profile litigation often focuses on performance expectations, there is a persistent myth that if the index posts 0%, the IUL will lose cash value.
As we kick off the new year, the life insurance landscape for January 2026 is dominated by record-breaking dividend announcements from major mutual carriers and strategic product shifts designed for long-term stability. Here is your January 2026 Product Update.
Building upon the insights gained from the preparation phase, we embark on the journey of case design. Our seasoned professionals delve into each product and carrier, meticulously selecting the optimal combination to achieve the perfect case model tailored to your objectives.
Before diving into the intricacies of your case, we meticulously examine every aspect of the fact pattern. Our expert team prepares your case for its initial market run and analysis, ensuring a solid foundation for success.
The end of the year is not just a time for revenue targets; it is a critical window for advanced life insurance case design and implementation. For firms focused on the High-Net-Worth (HNW) and Ultra-High-Net-Worth (UHNW) markets, December presents a unique opportunity to align planning objectives, lock in client advantages, and position complex strategies for successful funding.
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.
