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Industry Trends Updated weekly

Q2 2026 Life Insurance Market Outlook: What agents need to know

Premium volume up 8% year-over-year, accelerated underwriting limits expanding across carriers, and the IUL market continues record growth. Here's what's driving the numbers and what it means for your practice.

Read full analysis

Rate Change 2 days ago

Pacific Life announces term rate reductions

Pacific Life PL Promise Term rates reduced across most age bands and face amounts effective immediately.

Product Launch 5 days ago

New IUL product from major carrier — early review

A new indexed universal life product with industry-leading caps and a unique loan strategy hits the market.

UW Update 1 week ago

Diabetic underwriting: which carriers loosened guidelines this quarter

Three A-rated carriers recently updated their diabetic guidelines. Here's where to send your borderline cases now.

Rate Change May 12, 2026

Lincoln Financial term rates updated for ages 50+

Lincoln TermAccel pricing improvement on preferred and preferred plus risk classes — especially competitive in older age bands.

New Product May 10, 2026

Protective adds living benefits to Custom Choice UL

Chronic and critical illness riders now standard at no additional cost on Protective's permanent UL product line.

Underwriting May 8, 2026

Mutual of Omaha expands accelerated UW to $3M

No-exam underwriting limits raised to $3M face amount for qualifying applicants ages 18–60. Decisions in days, not weeks.

Market & Financial May 6, 2026

Fed rate decision: what it means for IUL cap rates

The latest Federal Reserve action and how carriers are responding with cap rate adjustments across major IUL products.

Industry News May 3, 2026

LIMRA report: term life sales hit decade-high

New LIMRA data shows Q1 term life policy sales reached the highest level in over a decade, driven by younger buyers.

Rate Change May 1, 2026

Prudential PruLife SUL rate improvement

Prudential's survivorship UL product sees pricing improvements across most age combinations — particularly for ages 60–75.

IRG Update Apr 28, 2026

IRG named top-producing agency for 5th consecutive year

We're proud to share that IRG ranks among the top life insurance brokerages nationwide for the fifth year running.

Underwriting Apr 25, 2026

Cardiac case approval trends: Q1 2026 review

Internal IRG data shows which carriers approved the most cardiac cases this quarter — and at what ratings.

Market & Financial Apr 22, 2026

How rising interest rates affect whole life dividends

Mutual carriers are starting to announce dividend updates. Here's what to tell your whole life clients.

New Product Apr 19, 2026

John Hancock launches new survivorship IUL

A new SUL product designed for estate planning with enhanced cash value performance and ILIT-friendly structure.

Industry News Apr 16, 2026

State-level regulatory updates: what's changed in 2026

Several states have updated suitability and replacement rules. Quick guide to what agents need to know.

Rate Change Apr 12, 2026

Banner Life updates OPTerm pricing

Banner Life's flagship term product receives a rate refresh — most competitive on $1M+ face amounts.

Weekly digest

The most important industry updates, carrier rate changes, and underwriting news — curated and delivered to your inbox every Monday morning. Free for contracted agents.

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