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The Innovative Update

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Reproduction of this material is prohibited.

July 1st, 2025

🎇Happy 4th of July ðŸŽ†

Wishing you a safe and joyful Independence Day from all of us at Innovative Solutions. Please note that our office will be closed on Friday, July 4th, in observance of the holiday. We look forward to supporting you again when we reopen on Monday, July 7th. Have a wonderful Fourth of July!

July 1st, 2025

Protection IUL Market Scan

Are your clients asking for cost-efficient, reliable life insurance coverage that lasts a lifetime?

We just reviewed the June 2025 Protection IUL Market Scan, and it’s clear: today's top Protection IUL products strike a powerful balance between premium efficiency and long-term security—making them one of the fastest-growing segments in the market.

🔹 Lower premiums than fully guaranteed GUL
🔹 Strong guarantees to age 80–90+
🔹 Flexibility to fit a variety of funding strategies
🔹 Ideal for clients who want more value per premium dollar

Whether your client needs certainty, flexibility, or something in between, this report provides insight into how top carriers like John Hancock, Pacific Life, Corebridge, Mutual of Omaha, and Protective stack up—based on both aggressive and conservative assumptions.

📂Download the report here! 

If you're ready to explore how Protection IUL can support your clients’ long-term planning goals, let’s set up a time to talk. Reach out to your dedicated Brokerage Director for more information.

This week's highlights

  • Corebridge - Conversation Starter - Retirement Realities
  • John Hancock - Because You Asked - Valuation of Life Insurance Policies
  • John Hancock - Requirements for Employer-Owned Life Insurance
  • John Hancock - Planning in Action - Combining Term and Permanent Insurance for Cost-Effective Coverage
  • Legal and General - Rising to Meet Life's Greatest Legacies

This week's highlights:

Life Products

  • Mutual of Omaha - Mutual of Omaha Insurance Company: Inforce LTCi Rate Adjustments Effective September 1, 2025, and October 1, 2025
  • Lincoln - Updates to Products Available for Late Duration Term Conversions
  • Nationwide - Rate Improvements on Nationwide IUL Closed-Block Products
  • Symetra - New Version of Symetra Accumulator Ascent IUL Coming June 27

Annuity Products

  • Axonic - MYGA Rates Effective as of June 30, 2025
  • National Life Group - Rate Increases for Growth-Focused Single Premium FIAs, Effective June 29, 2025
  • Mutual of Omaha - Introducing United of Omaha Fixed Index Annuity

The Last Insurance Company You'll Ever Need

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Contact Us 

www.innovativesolutions.net

222 N. Pacific Coast Hwy. Ste 2000

El Segundo, CA 90245

800.551.8289

The Liberty Company Insurance Brokers, LLC | Innovative Solutions Insurance Services, LLC, 222 N Pacific Coast Highway, Suite 2000, El Segundo, CA 90245, USA, | Liberty CA License #0D79653 | Innovative CA License #0C15062

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For broker use only.  Not for public distribution. 
Reproduction of this material is not allowed.

 

Disclaimer: Innovative Solutions Insurance Services does not give legal or tax advice.  This information is general in nature, may be subject to change, and does not constitute legal, tax or accounting advice from any company, its employees, financial professionals or other representatives. Applicable laws and regulations are complex and subject to change. For advice concerning your individual circumstances, consult a professional attorney, tax advisor or accountant. Underwriting offers are subjective and still subject to carrier requirements and full underwriting interpretation.