The 5-Minute Advisor – November 6, 2026
LTC But Easier
LTC │ A Better Answer Than “It Depends”
Long-term care planning gets complicated quickly, and “it depends” rarely satisfies a client with questions. The new Thompson Long-Term Care Insurance Guide gives you a clearer place to start.
The guide breaks down four common LTC strategies:
- Dedicated long-term care protection
- Life insurance + LTC hybrid solutions
- Annuity + LTC strategies
- Life insurance + LTC or chronic illness riders
It also covers claims and design considerations and field underwriting, and includes a client-friendly format you can personalize for your conversations.
→ Have a client asking about long-term care? Reply “LTC guide” and we’ll send you a copy.
👉 Check it outCincinnati Life Opens IGO to Cases Under $100,000
Smaller cases no longer have to miss out on the streamlined application.
As announced October 29, 2026, Cincinnati Life has removed the $100,000 minimum face amount restriction from iPipeline’s iGO drop ticket platform. Applications under $100,000 can now be submitted through iGO for five products in all states except New York.
New minimum face amounts:
- Guaranteed Whole Life: $10,000
- Heritage UL: $35,000
- LifeSetter Flex UL: $50,000
- Termsetter: $25,000
- Termsetter ROP: $25,000
Supporting materials:
To view, print, email, or order these pieces, go to cinfin.com and choose Agent Login > Life > Resources and Marketing Materials.
For agents:
- CLI-20223: Paving the Way to Easier Submissions
- CLI-20224: Simplify. Submit. Succeed.
- CLI-20207: Take Advantage of Cincinnati Life’s Products and Services
For consumers:
- CLI-20149: Easy Steps Toward Valuable Coverage
→ Have a client who needs less than $100,000 of coverage?
Call us this week and we’ll help you choose the right product and get the application started.
New Features on Customer Portal
Customer portal now gives your clients more self-service options
On November 7th, a new customer portal is launching, with enhancements to make managing policies from the Banner Life family of companies (Banner Life Insurance Company and William Penn Life Insurance Company of New York) even easier.
Please note: As part of the transition to the new portal, the current customer portal will be unavailable from 10 p.m. Friday, November 6 through 5 p.m. Saturday, November 7.
With this update, customers will be able to:
- Manage their contact details, including communication preferences and name changes.
- Update their beneficiaries and contact details for beneficiaries.
- Manage payors along with communication preferences and points of contact
- Set up automatic payments or schedule one-off payments.
- Add and edit linked bank accounts to make payments the way they want to.
Your customers will have access to these enhancements upon registration (existing customers will need to register for the new system).
We’ll promote the changes to customers early next year but wanted to give you a heads up, just in case you get any questions. We’ll be adding more features in 2027, along with demos and training to support you, so keep an eye out for updates.
Annuities Snapshot
Thompson Agency — Rates Effective 11/3/26 — For Agent Use Only
| Highest Rate in Year 1 — Guarantee & Surrender Years Match | ||||
| Term | AM Best | Carrier | Product (Min. Premium) | Rate |
| 3-year | A+ | Athene | MaxRate 3 ($100K+) | 5.75% |
| 4-year | A+ | Integrity Life | MultiVantage 4 ($100K+) | 5.60% |
| 5-year | A+ | Protective Life | Secure Saver 5 ($75K+) | 6.00% |
| 6-year | A | American National | Palladium MYG 6 ($100K–$249,999) | 9.75% |
| 7-year | A+ | Athene | MaxRate 7 ($100K+) | 6.15%* |
| 8-year | A | American National | Palladium MYG 8 ($100K–$249,999) | 5.15% |
| 9-year | A | American National | Palladium MYG 9 ($100K–$249,999) | 5.15% |
| 10-year | A | Lincoln Financial | MYGuarantee Plus 10 ($100K+) | 6.00% |
| Highest Average Yield — Equal Surrender & Guarantee Period | ||||
| Term | AM Best | Carrier | Product (Min. Premium) | Rate |
| 3-year | A | American National | Palladium MYG 3 ($5K–$99,999) | 5.50% |
| A+ | Athene | MaxRate 3 ($100K+) | 5.75% | |
| 4-year | A | Corebridge Financial | AP VisionMYG 4 ($100K+) | 5.40% |
| 5-year | A | American National | Palladium MYG 5 ($5K–$99,999) | 5.45% |
| A | Symetra | Select Max 5 ($10K–$99,999) | 5.65% | |
| A+ | Protective Life | Secure Saver 5 ($75K+) | 6.00% | |
| A+ | Athene | MaxRate 5 ($100K+) | 6.05%* | |
| 6-year | A | American National | Palladium MYG 6 ($5K–$99,999) | 9.65/4.65 · Avg 5.47% |
| A | American National | Palladium MYG 6 ($100K–$249,999) | 9.75/4.75 · Avg 5.57% | |
| A | American National | Palladium MYG 6 ($250K+) | 9.90/4.90 · Avg 5.72% | |
| 7-year | A | American National | Palladium MYG 7 ($5K–$99,999) | 5.55% |
| A+ | Protective Life | Secure Saver 7 ($75K+) | 5.90% | |
| A | Symetra | Select Max 7 ($100K+) | 5.95% | |
| A+ | Athene | MaxRate 7 ($100K+) | 6.15%* | |
| 8-year | A | American National | Palladium MYG 8 ($5K–$99,999) | 5.05% |
| A | American National | Palladium MYG 8 ($100K–$249,999) | 5.15% | |
| A | American National | Palladium MYG 8 ($250K+) | 5.30% | |
| 9-year | A | American National | Palladium MYG 9 ($5K–$99,999) | 5.05% |
| A | American National | Palladium MYG 9 ($100K–$249,999) | 5.15% | |
| A | American National | Palladium MYG 9 ($250K+) | 5.30% | |
| 10-year | A | American National | Palladium MYG 10 ($5K–$99,999) | 5.20% |
| A | Lincoln Financial | MYGuarantee Plus 10 ($100K+) | 6.00% | |
Add’l details see Fixed Annuities Comparison Spreadsheet. Rates effective 11/3/26 and subject to change without notice. For Agent Use Only; Not to be Shared with Public.
*Athene MaxRate — see product rate sheet as some states differ in rate %.
American National (ANICO) offers higher interest rate for the Palladium MYG MAX (No Liquidity, except RMD’s). Be sure to check ANICO current rate sheet.
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