On Feb. 22, 2025, Thrivent made changes to its eApp process. These efforts are designed to mitigate inaccurate signature activity and to ensure the new account client(s), as the intended recipients, are the individuals providing the eSignature.

Mutual of Omaha has announced updates related to requesting a rate increase on the LTC13 “pre-rate refresh” policies, a subset of in-force LTC13 policies issued prior to the rate refresh performed on this product that began to take effect in 2020. This rate increase is being requested to ensure the premiums policyholders are paying reflect the current and projected claims experience, continues to meet the needs of policyholders, and ensure the product remains financially sustainable.

NGL’s underwriting requirement for long-term care exams for couples ages 60-65 has changed. On joint applications when the partner is age 60-65, a long-term care exam will be ordered to ensure consistency in underwriting requirements between partners. The revision will take effect for applications submitted on or after Feb. 15, 2025, and an updated underwriting guide will be available on the Agent Resource Center starting Feb. 14.

GTL has announced the new minimum issue age for short-term home health care states is now 55. Updated rate sheets and underwriting guides are now available on GTLink. Log in to download or order new supplies!

John Hancock is introducing LifeCare, a hybrid indexed UL life insurance solution with long-term care benefits. This product offers your clients a unique way to reposition assets today for a more secure tomorrow. LifeCare’s modern design, intuitive digital application, streamlined underwriting process, and integration with the John Hancock Vitality Program make it a compelling life insurance choice for today’s customers.

Beginning Jan. 17, 2025, NGL’s e-Policy Delivery will receive several improvements meant to enhance the delivery experience for you and your clients. Among the changes are an improved mobile experience, new options for entering client contact information, an improved client signature process, and more. An updated e-Policy guide will be available on the Agent Resource Center soon.

CareMatters Together, Nationwide’s linked-benefit long-term care (LTC) solution for couples or two individuals with an insurable interest in each other, launches in California on Jan. 13, 2025. Designed for couples ages 30 to 70, it offers policyholders the flexibility to use their pool of LTC benefits entirely by one person or shared between the two insureds in any combination.

EquiTrust is kicking off the new year with an opportunity for writing agents to earn an extra 1% commission on sales of any fixed index annuity (FIA) — including Bridge® — AND single-premium life insurance! Special offer applies to applications received January 1, 2025, through March 31, 2025, for these products: MarketPower Bonus Index®, MarketTen Bonus Index®, MarketValue Index®, MarketSeven Index®, MarketFive Index™, MarketForce Bonus Index®, MarketMax Index™, Bridge®, and WealthMax Bonus Life®.

EquiTrust does not offer investment advice to any individual and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.

Effective Dec. 30, 2024, Global Atlantic will begin transitioning to only accepting electronic applications for its suite of Fixed Index Annuity (FIA) products: ForeAccumulation II, ForeIncome II, and Income 150+ SE (inclusive of FIA advisory products). During the transition, paper applications can be ordered through Jan. 31, 2025, and accepted until Mar. 31, 2025.

The National Association of Insurance Commissioners (NAIC) revised the Suitability in Annuity Transactions Model Regulation 275 in February 2020. Nevada now joins a growing number of states that have adopted the Regulation. To solicit and sell annuities in Nevada, producers must comply with regulations adopted by the Nevada Division of Insurance. Producers doing business in Nevada are now required to complete General Annuity Training continuing education (C.E.).

The revisions to the Model Regulation require completion of EITHER a 1-hour General Annuity Training C.E. course available to producers who have taken the previous NAIC Annuity Suitability training, OR a new 4-hour General Annuity Training C.E. for those who have not taken it previously. General Annuity Training C.E. must be completed with a training vendor approved by the Nevada Division of Insurance.

EquiTrust does not offer investment advice to any individual and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.