The Value Of Term Life Can Go
Beyond Today’s Needs
Protective Classic Choice term offers future flexibility. Clients can convert to a permanent solution and get chronic illness protection – no additional underwriting or exams required – with the Conversion Choice rider with ExtendCare. See how one client’s short-term need turned into a
long-term opportunity despite future health concerns.
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Protect More Clients With A Faster Underwriting Path
Protective continues to expand accelerated underwriting to help you move cases faster. More applicants aged 50 and under may now qualify for up to $1 million in coverage across term and permanent products.
Protective has expanded eligibility to include:
- Eligible substandard risk classes up to Table 8
- Tobacco users
- Certain cases with recent lab results
These updates can help you:
- Move more cases through the accelerated process
- Reach a broader range of eligible clients
- Evaluate medical history with greater flexibility
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Informal Applications Process Provides Underwriting Insight
Corebridge underwriters can review detailed case histories. This review can be done before the full application is submitted.
- Get results before completing medical requirements
- Receive responses within 8 business days
- Gain insight on how to proceed
Get the details on this process. Be sure to also check out additional underwriting resources available.
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The Power Of Permanent Life Insurance Coverage
Why convert? Term coverage disappears if a client outlives the policy. Help them trade uncertainty for permanent protection by converting.
- Extend guaranteed protection
- Transitions a temporary cost into a cash-value asset
- A 100% cash out opportunity at years 20 and 25
For more conversion resources, visit our “Term-to-Perm Pivot” page.
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Global Atlantic – More Flexibility, More Income Possibility, Same Confidence
As retirement approaches, clients often ask the same question: Will my income last? With recently enhanced Level Withdrawal Percentages across nearly every age band. Income 150+ SE can help keep retirement planning in the income strike zone.
Designed for clients who may need income sooner, Income 150+ SE offers:
- A 20% Income Boost to the Withdrawal Base on day one.
- Additional Income Boosts to the Withdrawal Base in years 2-5, provided income has not yet been activated.
- Potential for another boost in year 10 based on interest credits earned during the first nine contract years.
- Flexible income options with a choice of Level or Lifestyle Payments at an income activation.
Ready to see how Income 150+ SE can help clients generate more guaranteed lifetime income?
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New IUL Rates & QoL Max Accumulator+ III Enhancements
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A Transformational Merger For Corebridge
More for producers on the Corebridge merger with Equitable; a transformational merger prompting comments from company management, and industry pundits:
- This is a unique merger uniting Two Customer-Centric Cultures both Committed to a Shared Vision
- The combined companies could become the most powerful force in the life insurance sales industry
- Corebridge Financial is one of the largest providers of retirement solutions and insurance products in the United States, proudly partnering with financial professionals to help clients secure their financial futures.
- Founded in 1859, Equitable has a proven history of providing retirement and protection strategies to individuals, families and small businesses.
For Corebridge advisors, this is not simply about size—it’s about enhanced capability. By combining complementary strengths in protection and retirement, the merged organization would deliver:
- A broader and more competitive product shelf
- Expanded investment capabilities and intellectual capital for product innovation
- Greater scale to invest in advisor technology and client experience
- Improved reputational access to high-net-worth and institutional potential clients
Equally important, both organizations share a commitment to advisor-centric models. This alignment provides confidence that the combined entity will strengthen—not disrupt—the advisor value proposition.
From a competitive standpoint, this positions Corebridge advisors to better compete with large-scale platforms while maintaining the entrepreneurial flexibility that has driven success to date.
Bottom line: This merger is an opportunity to accelerate growth, deepen client relationships, and reinforce long-term enterprise value for advisors.
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Carrier Incentives
Travel the World with Cenco!
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