3 Mark Financial

3 Mark Financial

Producer Essentials

Connecting you with Industry News and Resources.

November 4, 2026
01

This Week's Highlights & Events

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Banner Life logo

Banner Life

Your Clients Are Unique. Give Them Unique Solutions.

Join Banner Life to explore flexible solutions, innovative underwriting, and a streamlined application experience that help you find the right fit for more clients.

In Case You Missed It

02

Life Insurance

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03

Underwriting & New Business

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Pacific Life logo

Pacific Life

Increased Capacity. Greater Opportunity.

Effective November 1, 2026, Pacific Life raised capacity in Large Case and Specialty Markets: Wealthy Global Citizen Auto & Jumbo Capacity is up to $75 million for international applicants with U.S. ties (A & B Countries), and Auto-Excess Capacity is up to $145 million, now including Promise GUL — more protection for larger, more complex cases with streamlined underwriting.

04

Advanced Markets

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05

Hybrid Products, LTC & DI

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06

Annuity Updates

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Symetra logo

Symetra

Annuity Renewal Rates Matter

Value that doesn't drive off the lot! Attractive initial rates matter, but so do renewals. Symetra reports that 95.9% of renewal rates stayed at or above the initial rate. For its illustrated Edge Elite FIA with a 12.00% cap and a 7-year withdrawal charge period, 90.4% maintained the cap and 5.5% increased it. Review the renewal rate history for details; historical results do not guarantee future rates.

American National logo

American National

New 5-Year FIAs: Start Smarter. Grow Stronger.

American National’s Smart Start Accumulator Series 5 offers accumulation potential and protection from index-related market losses. Plus 5 adds a 9% premium enhancement without an enhancement fee, or 13% with an additional fee, directly to contract value. Eligible pre-designed portfolios offer a guaranteed 5% first-year interest credit or the earned index credit, whichever is greater. Features include a 5-year surrender charge period and 10% annual free withdrawals, subject to contract provisions and eligibility.

07

Year-End Dates for 2026

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Click on a carrier's name to view their year-end dates and deadlines.