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Carrier News Bulletin: 05/23/2019 – 05/29/2019

American National

Personnel Update.

Dr. Manny Calero joins American National as Vice President and Associate Medical Director. View

Cincinnati Life

Termsetter ROP Reprice.

Updated rates reflect 2017 mortality rates and the new Principle-Based Reserving required of all carriers by the end of 2019.Effective immediately, applicable in all states except CA, DC, and NY. View


In-force Rate Action Announcements:
• Iowa: Pre-PCS, PCS I, PCS II with Stable Premium Option, Choice 1 with Stable Premium Option and Classic Select
Effective May 28, 2019
• Rhode Island: Privileged Choice and Classic Select
Effective May 28, 2019

John Hancock

Appointment Requirements in Restricted States.

Please remember that, in order to comply with regulations in restricted states, new appointments must be completed before the date the application is signed. For quick reference, restricted states are listed below:
• Guam
• Montana
• Pennsylvania
• Puerto Rico
• Wisconsin

State Approval.

Protection Term is now approved in California and Washington D.C.

See all updates

Lincoln Financial Group

Dedicated Lincoln TermAccel Communications Team.

Lincoln has implemented a team of dedicated Lincoln TermAccel communication specialists to promptly respond to inquiries on your cases.

Life Insurance Product Switch Process and Guidelines.

The new Lincoln unified life insurance application and Tele-App ticket has integrated all life insurance product processes into one streamlined approach and enables a seamless transition from one product to another – saving time and creating a better experience for producers and consumers.

New Texted PIN Authentication Option for eSignature.

Beginning June 1, 2019, for life insurance policies submitted through the electronic ticket (eTicket) or electronic application (eApp) platform, Lincoln will offer a new PIN Authentication method through SMS Text Messaging to confirm the client’s identity and begin the electronic signing process.

Best Practices for Ordering Labs.

Lincoln’s Underwriting and New Business team is dedicated to streamlining your underwriting experience to help you place your life insurance cases more quickly.

New York Regulation 60 Process for Life Insurance policies.

As a reminder and best practice for in-good-order life insurance case submissions in New York, please refer to this outlined process regarding the Disclosure Statement.

See all updates

Securian Financial

Improved Ratings for Those Who Use Non-Combustible Tobacco And E-Cigarettes.

With research and development Securian has the ability to test for a marker of tobacco combustion, allowing them to provide improved ratings for clients who use non-combustible tobacco, such as chewing tobacco and snuff, as well as e-cigarettes and other nicotine devices. View


Introducing Symetra Protector IUL.

Symetra is pleased to introduce Symetra Protector IUL. The new protection-based indexed universal life (IUL) product provides cost-effective, yet flexible coverage—with the added potential for policy cash value growth. View