The 5-Minute Advisor – October 14, 2026
Portal Case Status Now Live
The Thompson portal now gives you a better option.
Introducing Case Status!
Check case status when you need it and say goodbye to:
Because your clients are going to ask where things stand. You should already know.
👉 Learn MoreNew Pricing for PL Promise Term Life
What’s New
Top-2 pricing in 99% of preferred and standard non-tobacco risk class combinations across all terms, face amounts, ages, and genders in annual mode.²
It’s More Than Dollar Signs
With Pacific Life, you don’t just get top-2 pricing. We are proud to offer a cohesive, efficient experience to support your clients and business.³
- Simple Processes: You apply, and we do the rest! We offer three possible underwriting pathways. Clients can get up to $3 million in coverage with no medical exam.⁴
- Conversion Option: Easily convert⁶ to the competitive PL Promise Conversion UL⁵ with no additional underwriting.
- Brand Strength: Rely on the strength and stability that has defined Pacific Life for nearly 160 years.
- Time-Saving Capabilities: Online health history, eSignature with eDelivery of the policy, and more digital features to streamline your sales process.
It’s a great time to take another look at PL Promise Term!
Explore our updated resources:
- PL Promise Term Client Guide
- PL Promise Term Fact Sheet
- PL Promise Term Webpage
- PL Promise Term Rate Comparison Flyer (Male)
- PL Promise Term Rate Comparison Flyer (Female)
- Case Study: Key Person Life Insurance for Business Owners
- Case Study: Laddering Life InsuranceCase Study (2-MINUTE READ)
See how a key person life insurance strategy was used to secure affordable life insurance coverage to protect a business against the financial impact of losing a key employee.
CareMatters Annuity – Now available in CT!
Nationwide’s CareMatters Annuity cleared Connecticut approval on September 14. That’s a dormant annuity or life policy in a client’s file turning into guaranteed, tax-free LTC coverage, with no health interview standing in the way.
If you have a client between 55 and 80 sitting on a nonqualified annuity or life policy they don’t need for income, this is the call to make this week. A tax-free exchange can turn that asset into guaranteed LTC coverage.
It’s a single-premium deferred fixed annuity with cash indemnity LTC benefits. Clients fund it through a 1035 exchange of an existing nonqualified annuity or life policy, or a single payment, and receive 2x to 3x their contract value in LTC benefits depending on underwriting class, five knockout questions plus one rate-class question, no health interview, no para-med exam. Max issue age is 80.
One thing to clear before you write it: Nationwide requires product-specific annuity and LTC training through an approved vendor (RegEd, Kaplan, or iCapital, product code CMANNUITY) before any application goes in.
- Triple tax efficiency — grows tax-deferred, LTC benefits pay out tax-free, funded via tax-free exchange.
- Built-in guarantees — contract value never drops below the client’s initial investment, crediting rate is locked in, unused LTC value passes to beneficiaries.
- Retroactive benefit — once a client qualifies, day 91 pays four months of benefits in one lump sum, covering the elimination period.
- International payability — 100% of the LTC benefit pays out if the client lives abroad.
Have a client with an old annuity or life policy just sitting there? Call us this week. We’ll run the exchange numbers and tell you what LTC benefit they’d actually qualify for.
Learn More About CareMatters!Annuities Snapshot
Thompson Agency — Rates Effective 10/6/26 — 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+) | 5.65% |
| 4-year | A | Corebridge Financial | AP Vision MYG 4 ($100K+) | 5.40% |
| 5-year | A+ | Protective Life | Secure Saver 5 ($75K+) | 6.00% |
| 6-year | A | American National | Palladium MYG 6 ($100K–$249,999) | 9.60% |
| 7-year | A+ | Athene | MaxRate 7 ($100K+) | 5.95%* |
| 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 | Corebridge Financial | AP VisionMYG 10 ($100K+) | 5.75% |
| 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) | 5.20% |
| A+ | Athene | MaxRate 3 ($10K–$99,999) | 5.40% | |
| A+ | Athene | MaxRate 3 ($100K+) | 5.65% | |
| 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+ | Athene | MaxRate 5 ($10K–$99,999) | 5.60%* | |
| A+ | Mutual of Omaha | Ultra Premier ($25K+) | 5.60% | |
| A+ | Protective Life | Secure Saver 5 ($75K+) | 6.00% | |
| 6-year | A | American National | Palladium MYG 6 ($5K–$99,999) | 9.50/4.50 · Avg 5.32% |
| A | American National | Palladium MYG 6 ($100K–$249,999) | 9.60/4.60 · Avg 5.42% | |
| A | American National | Palladium MYG 6 ($250K+) | 9.70/4.75 · Avg 5.57% | |
| 7-year | A | American National | Palladium MYG 7 ($5K–$99,999) | 5.20% |
| A+ | Athene | MaxRate 7 ($10K–$99,999) | 5.65%* | |
| A+ | Protective Life | Secure Saver 7 ($75K+) | 5.90% | |
| A+ | Athene | MaxRate 7 ($100K+) | 5.95%* | |
| 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) | 5.05% |
| A | Corebridge Financial | AP VisionMYG 10 ($100K+) | 5.75% | |
Add’l details see Fixed Annuities Comparison Spreadsheet. Rates effective 10/6/26 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.
A Cyber Plan for Your Agency
Every October, cybersecurity advice floods inboxes. Most of it isn’t written for a firm with one office manager and an outsourced IT provider.
Meanwhile, clients, carriers, and examiners keep saying the same thing: show me.
This week’s guide breaks down a four-week October plan a small firm can actually finish.
Inside:
- The training record questionnaires ask for before anything else
- The vendor question most firms have never put in writing
- What now gets attackers in more often than a stolen password
- The notification clock nobody at your firm knows is running
- A 45-minute exercise that beats a thick incident binder
- If something went wrong tomorrow, who at your firm makes the first call?
