Rate Change Database
AG38 Rules This is extremely important for your *pending and future individual and survivorship UL business. You need to talk to any of your clients that are on the fence about purchasing now or have old non-guaranteed policies that should be replaced. The prices and guarantees we have enjoyed over the last several years may soon be a thing of the past. Download Guidelines Here
Company Product/Plan
Date Application Must Be Signed By Date Application Must be Submitted to the Home Office Date Policy Must be Placed Policy Effective Date Special Notes Full Bulletin
American General AG Secure Lifetime GUL
AG Secure Survivor GUL
AG Choice Index GUL11/12/2012 11/12/2012 1/24/2013 12/28/2012 Download Here
American General Select a Term; ROP Select a Term 8/30/12 8/30/12 8/30/12 8/30/12
Aviva NLG Product Portfolio 11/15/12 11/15/12 12/28/12 12/28/12 Underwriting and administrative requirements must be at home office by 12/10/12
Banner Life Choice and Life Step 12/31/12 12/31/12 12/31/12 12/31/12 Apps received by 12/31 but approved in 2013 results in a choice: accept 2013 rates; accept an offer of to backdate the policy to 2012 using old rates. Download Here
Banner OpTerm 8/31/12 8/31/12 12/31/12 8/31/12 All applications must be in by 8/31 to receive the old rates.
Genworth Colony Term UL Colony LifeLong UL GenGuard SUL GenGuard UL Lifetime Protector SG II 11/09/2012 11/09/2012 12/31/12 12/07/12 Download Here
ING ING UL-GDB ING SUL-GDB ING IUL-GDB 11/09/12 11/09/12 12/31/12 12/31/12 12/13 All Admin and UW requirements must be received at home office. Download Here
John Hancock UL-G; SUL-G 11/9/2012 11/9/2012 12/17/2012 12/17/12 12/07 all admin requirements received in the home office and a final UW offer obtained. Including 1035 exchanges. Download Here
Lincoln Benefit Legacy Secure II; Legacy Choice II; Legacy Secure SL 11/30/2012 12/07/12 12/31/12 12/31/12 UW req’t in by 12/07. 1035 exchange must be in-force with payment before the first of the year. Download Here
Metlife Guaranteed Advantage UL; Legacy Advantage SUL 8/24/12 8/24/12 8/24/12 8/24/12 Download Here
Minnesota Life Eclipse IUL NA NA NA NA No expected changes until February 13, 2013. Download Here
Nationwide YourLife Indexed UL NA NA NA NA Guaranteed participation rate will be increased to 100% on all indexed crediting strategies.
Nationwide YourLife No Lapse Guarantee UL YourLife No Lapse Guarantee SUL II 12/31/2012 1/11/2013 3/1/2013 12/31/2012 Pricing Changes Download Here
North American Custom Term GUL
Guarantee Builder IUL
Survivorship GIUL11/01/12 11/015/12 NA 12/28/12 Download Here
North American Custom Guarantee 2/22/2013 3/1/2013 NA 12/28/2013 If the application is signed after February 22, 2013, or the policy date (printed on the policy) is on/after January 1, 2013 the new Custom Guarantee must be used. Download Here
Principal Principal SUL Protector 10/26/12 10/26/12 12/17/12 NA Apps received after 10/26 will be issued as SUL Protector II. Download Here
Protective Secure-T UL 8/12/12 8/12/12 NA NA Secure-T applications received on or after 8/13 will be processed with the best possible rate.
Protective Centennial G II Centennial G II Plus ModLife
OneStep Life
Protective Survivor UL (6/12)12/31/2012 12/31/2012 2/28/2013 12/28/2012 Repricing for the Protectice Survivor UL (6/12) For Paper Application see full rules for TeleLife. Download Here
Prudential PruLife Universal Protector
PruLife Survivorship Universal Life11/11/2012 11/11/2012 NA Old rates may be requested if the app date is within 28 days from state approval. Normal backdating rules. Download Here
Transamerica TransACE (All versions)
NA NA 12/31/2012 12/28/2012
United of Omaha Term Life Answers 10/31/12 11/15/12 NA NA
United of Omaha GUL
GUL Plus
GUL Survivor
GUL Express12/31/2012 1/7/2013 4/1/2013 12/28/2012 Download Here