Carrier Update Summary – 4-5-2015

Original carrier announcements that are highlighted below are available upon request.
Contact Russ Towers,


John Hancock


  • John Hancock has integrated its Protection UL product with its “Vitality Program”. Hancock has partnered with Vitality, a leader in integrating wellness benefits with life insurance products. This program can help clients secure their future while supporting the pursuit of a longer, healthier life. The program can help clients significantly lower their premiums, by as much as 15% year after year, depending on the product and their level of participation. John Hancock Term products are also available with Vitality


Voya Financial


  • On April 1, 2015, Voya reduced its crediting rates on their inforce Universal Life products. The rate reduction is generally 15 basis points for Security Life of Denver UL products. The rate reduction ranges from 15 basis points up to 75 basis points for ReliaStar products. See announcement for details.