Summary; OBBBA , Ozempic; FIA Diversification; Wealth Transfers; Record Keeper; NLG Odds

Here Comes the Sun – Rising Not Setting: Key provisions of the One Big Beautiful Bill Act (OBBBA)

July 4, 2025, was a memorable day with the passage of the One Big Beautiful Bill Act (OBBBA). Go here to find National Life’s “Here Comes the Sun – Rising Not Setting” summary of the key provisions of the Act to share with your agents and financial professionals.

UW Awareness Month Webinar – Underwriting in the Ozempic Era

Stay informed and ahead in your field with evidence-based insights into the risks, benefits, and potential pitfalls associated with the underwriting assessment of GLP-1 medications. Attend the webinar by Nationwide:

Date: July 24, 2025. Time: 1:00 pm Eastern. Registration: Here

Diversification Can Pay in an FIA

Diversifying the allocation of your client’s premium in a fixed indexed annuity (FIA) has the potential to:

Reduce the chance for zero interest credits in any given crediting period;    Achieve more consistent interest credits over time.

Looking at the period from 2014 to 2024, no one year is the same – nearly every year had a different option with the highest return. Look at the historical performances of ten different indices from F&G Life.

Managing Generational Wealth Transfer with Trusts and Annuities

Irrevocable trusts are created for many reasons – from creditor protection, charitable objectives, and special needs protections to wealth management and estate and gift tax planning. Management of these trusts can be challenging. Here is an article from Global Atlantic discussing the leaving of a tax-deferred legacy.

Living Promise Record Keeper Workbook

You can use Mutual of Omaha’s Record Keeper Workbook to help your clients think through the decisions about their coverage and which riders might be right for them. The workbook can be an invaluable resource for your clients, helping to ensure they leave a legacy of thoughtfulness for their loved ones. Record Keeper.

What’s the Likelihood of Needing a No-Lapse Guarantee?

It’s only needed at the intersection of a long life and poor performance. In this case study from John Hancock, they perform a cost-benefit analysis of a No Lapse Guarantee against a protection-focused IUL, looking at the likelihood of experiencing crediting rates below the guarantee.