Simplified IUL Coverage Without Compromise

Mutual of Omaha’s Indexed Universal Life (IUL) Express is a strong option when you’re looking to place meaningful coverage through a simplified underwriting process—without sacrificing flexibility or value.

Key highlights for your clients:

• No exam and no medical records — guaranteed
• Lower premiums compared to whole life products offered through simplified underwriting
• Built-in riders at no additional cost, including chronic, terminal, and critical illness
• Higher face amounts available, still with no exam or records:

  • Up to $300,000 (ages up to 50)

  • Up to $250,000 (ages 51–60)

  • Up to $150,000 (ages 61+)

• Simple quoting process
  — agents can run their own illustrations via the mobile app, or request quotes through The Thompson Agency (see the attached 4 Easy Steps guide)

Why this matters:
We’ve included a case study showing a client paying 61% of Mutual of Omaha’s Whole Life premium while securing the same death benefit, using the same simplified process with IUL Express. While the client gives up a lifetime guarantee, the tradeoff is a substantially lower premium.

Even under conservative assumptions, the product performs well. At a 5% rate of return, an annual premium of $1,422 still carries coverage through age 94.

This is a practical, competitive solution for clients who want meaningful protection, simplified underwriting, and affordability—without unnecessary friction.

January Sales Kit

Your sales idea for January is here!

Start 2026 strong! Our January Trimester page is packed with tools and insights to help you guide clients in building a holistic retirement strategy as they work to achieve retirement readiness.

Here’s what you’ll find:

• A new case study showing how you can help clients leverage life insurance for better retirement outcomes.
• The 2025 Global Retirement Pulse Survey that highlights ways you can help affluent clients boost confidence in their retirement readiness.
• The Life & Longevity Podcast featuring bold conversations on caregiving, retirement readiness, and client behavior.

Plus, you can register for the “Retirement Climb” webinar, which shows how you can help clients navigate through the different phases of retirement planning.

Niches

Do You Know About Prudential’s Underwriting Niches?

Not all underwriting risk classes are created equal—and this is especially true with Prudential.

Here’s something many agents overlook: when you compare another carrier’s standard risk class to Prudential, you’re often not comparing apples to apples. Prudential’s comparable rate class is actually “Non-Smoker Plus.” That distinction alone can make a meaningful difference when quoting and positioning cases.

Beyond that, Prudential stands out in several underwriting niches, including:

• Admitted non-cigarette tobacco use (cigars, pipes, chew) still eligible for Non-Smoker Plus
• Very competitive height and weight guidelines using BMI
• Strong, practical financial underwriting
• Capacity to move quickly on large cases—up to $65M on a single life

If you’re not factoring these advantages into your carrier comparisons, you may be leaving value on the table for your clients.

Download Prudential’s Underwriting Overview to use as a quick reference and uncover additional opportunities.

Unlock Faster Case Flow and Higher Output with Vive

Say goodbye to long delays, missing paperwork, and stacks of forms.

With Vive, you can now:

✅ Quote, compare & submit an order in just 5 minutes — no delays.

✅ Get underwriting decisions in days instead of weeks with Accelerated Underwriting
✅ Keep up to speed with real-time case status updates, all carriers in one dashboard.

Ready to elevate your your game?
Log in via your TA Partner account to activate Vive and start experiencing faster underwriting, smarter quoting and streamlined case management.

Let us know if you have questions—we’re here to help!

Remote Workforce Security Practices

Remote Work Security Best Practices: What Employees Need to Know

Remote work gives employees flexibility—but it also introduces new security risks that don’t exist inside the office. When employees work from home or on the road, passwords, devices, and internet connections become easier targets.

In our latest article, we break down:

• Why remote work increases cybersecurity risk

• The role strong passwords and multi-factor authentication play

• How personal devices and public Wi-Fi can expose company data

• Simple steps employees can take to stay secure from anywhere

If remote work is part of your organization, this is a must-read for reducing risk and keeping employees—and company data—protected.

👉 Read the full article to learn how better remote security habits can prevent costly incidents.