BSMG Blog: Protecting the Future of Families and Businesses

National Guardian Life - Product Enhancements and Pricing Changes to EssentialLTC

**RELEASED BY National Guardian Life**

A product that can now do more

We have been listening to your feedback and are excited to announce your suggestions were used to enhance EssentialLTC! The changes are geared toward making it easier to sell, and the new features will allow you to offer your clients a product that can do more.

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John Hancock - Changes to product offerings in New York

John Hancock has long maintained separate products and processes for the New York market where they operate as the John Hancock Life Insurance Company of New York and serve approximately 180,000 customers. This approach generally serves all stakeholders well, but the separate products and processes create a level of complexity and inefficiency. After a thorough review of their new business activities, they've made the difficult choice to reduce their product portfolio in New York and will no longer offer the following products for sale:

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Lincoln VUL One & SVUL One (2019) Reprice

Effective February 16, 2021 and in conjunction with the launch of Lincoln VULONE (2021) and Lincoln SVULONE (2021), Lincoln is announcing pricing updates on the current Lincoln VULONE (2019) and Lincoln SVULONE (2019) to align with the 2021 product pricing.

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Coming Soon – Lincoln MoneyGuard Market Advantage (VUL)

Effective February 16, 2021, Lincoln will introduce the next generation in long-term care planning and expand its MoneyGuard portfolio with the launch of Lincoln MoneyGuard Market AdvantageSM, pending state and firm approvals. Lincoln MoneyGuard Market AdvantageSM is a variable universal life insurance policy with a long-term care rider.

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Coming Soon – Lincoln VULONE (2021) and Lincoln SVULONE (2021)

Our new Lincoln VULONE (2021) suite launches on February 16! It’s the same Lincoln VULONE you’ve always relied on, now with more options. You can continue to offer guaranteed lifetime death benefit protection with market-driven growth potential, while also offering options that can reduce cost and increase your cash value and death benefit protection.

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Transamerica Exiting the Standalone LTC Market

As announced December 10, 2020, on Capital Markets Day by Aegon CEO Lard Friese, Transamerica will discontinue sales of our individual, standalone Long Term Care (LTC) business on March 31, 2021.

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