November 3, 2025

Long Term Care Awareness Month

📢We Want to Hear From You! 

Please take two minutes to fill out this survey on future newsletter content so we can make sure we are getting you what you need.

November is LTC Insurance Awareness Month

Engage and educate your clients with these insights about life insurance ownership.

Having a long-term care plan can help protect the physical and emotional well-being of your clients and their loved ones if the need for care arises. Contact us today to learn more about long-term care coverage for your clients and to get up to speed on the latest product offerings.

Understanding The Options:

Share this flip deck with clients to help them better understand what LTC is and how it's used.

Compare long-term care costs from state to state.

Need help with marketing? Use this guide.

Connect with your Brokerage Director to learn more about all the options available:

• Linked Benefit or Hybrid solutions
• Annuity Hybrid solutions
• Life Insurance with LTC or Chronic Care Riders
• Traditional Long Term Care 

We are here to help you navigate all these options to find the best one for your client.

This week's highlights

• Mutual of Omaha - The Days May Be Shorter, but Not the Protection Offered with LPA
• Mutual of Omaha - IUL Express - Same Materials, Simplified Process
• Symetra - Reward Clients for Healthy Living with Symetra’s GoodLife Rewards Program
• Corebridge - Register on Connext and build more business.
• Pacific Life - Case Study: 1035 Exchange Using Life Insurance

This week's highlights:

Life Products

• Principal - New Rates for Principal Term in New York, Effective September 8, 2025
• MassMutual - Application Submission for New DI Business Overhead Expense Insurance Product Begun October 20
• MassMutual - Variable Product Fund Liquidation to Occur December 15, 2025
• Mutual of Omaha - Inforce LTCi Rate Adjustments effective January 1, 2026
• Principal - UL Provider Edge II to be Discontinued in NY, effective January 1, 2026
• Transamerica - Coming Soon: Transamerica Financial Foundation IUL II Express

Annuity Products

• Athene - Rate Updates for Athene Products, Effective September 5, 2025
• Mutual of Omaha - Annuity Interest Rate Updates Effective September 1, 2025
• Symetra - Symetra Income Edge Plus Available October 22, 2025
• Symetra - Fixed Annuity Increase – Non NY: Select Pro and Max: +5-15bps, effective Wednesday, October 22, 2025

If you have any questions about product updates or want to discuss something not included in this week's bulletin, please contact your dedicated Brokerage Director (Life and LTC Products) or Greg Schnack (Annuity Products).