Carrier Updates

Liberty Bankers Insurance Group Has New Updates!

Liberty Bankers Insurance Group

Enhanced Agent Portals Are Live

Effective Friday, March 15, the Agent Portals for American Benefit Life Insurance Company and Capitol Life Insurance Company have been updated. The redesigned interfaces have a fresh new look and serve as an excellent resource for all your business needs. Plus, they are easy to access on your desktop, laptop, tablet, and smartphone.

To view the enhanced Agent Portals, please click on the links below and login in with your Agent ID and password.

If you have questions, please reach out to a Liberty Bankers team member or visit


Advantages of New eSignature Process

Effective Monday, March 18, Liberty Bankers Life Insurance Company will introduce new updates to the eApp process including a new signature method.

The new signature method is safe and easy to use. Plus, it streamlines the process for you and your client. The process eliminates a voice signature and introduces a type-to-sign option.

Additional eSignature Details

Currently, you are asked whether your applicant is physically present with you during your appointment. When "yes" is selected, you are prompted with two options – Telephone Signature (two minute call during eApp) and Type-to-Sign (face-to-face only). 

We are replacing these options by asking the applicant to give you the "secret code" that is emailed or texted to them. When the code is entered and validated by the eApp system, it serves as proof that the applicant received the authorization and agrees to the Rx check. After, an electronic signature is applied to the HIPAA authorization document which is available to download.

Additionally, our Telephonic application is a great alternative for applicants that do not have an email address or cell phone number.

If you have questions about these updates, please reach out to their Agent Support team at 214-245-5292.


Carriers Annouce New States for their Plans

Liberty Bankers Life Insurance 

Plus Series Product Line is Approved in New States

Hospital Indemnity: Indiana

Accident/Cancer/Critical Care/Heart & Stroke: Montana, Mississippi, Tennessee

Effective Thursday, March 14, 2024, Liberty Bankers Life Insurance Company's expanded supplemental health product line will be available in additional states. Hospital Indemnity Plus coverage is now available to start selling in Indiana. Additionally, Accident Plus, Cancer Plus, Critical Care Plus, and Heart & Stroke Plus is now available in Montana, Mississippi, and Tennessee.

If you are currently contracted to sell the Plus Series product line, do not forget to register to have access to the Agent Portal at AGENT.LBIG.COM. If you are not currently contracted, please contact your upline.



Aetna Senior Supplemental 

Aetna now offers Recovery Care - Short Term Facility Care Insurance Plans in Pennsylvania. 

Sales materials are now available to download/order. Just go to the agent side of and click Products > Order Supplies.

It's easy to start selling
Get quotes on the go, straight from your phone with our free mobile app. It’s easy to install the app on your mobile device from both the Apple App Store and the Android Play Store. Just search for "Quotes on the go."


Note: The last application submission and signature date for the existing Nursing Facility Care plans in Pennsylvania will be May 28, 2024.



National Association of Dental Plans

NCD Elite by MetLife is now available in New York and Connecticut!

  • Broad range of max benefits: $1,500, $3,000 and $5,000
  • High Basic coinsurance of 80% in the first year
  • No waiting periods on Preventive and Basic care
  • Large national network
  • Quick and seamless claims process: most claims processed within 24 hours!

And that's IN ADDITION the outstanding service and support you and your clients receive from NCD and MetLife!

Don't Delay: Start Selling NCD Elite by MetLife Today!


New Carrier Requirements

American National Insurance

New Annuity Suitability Form Required March 13th

Effective March 13, a new version of the 4465 form series, the Annuity Suitability form, will be required for all new annuity applications.

To ensure a smooth transition, all applicable electronic platforms will be automatically updated to accommodate the new form. ExpertForms will be updated on the same day, providing you with the latest tools for your annuity sales process.

Please Note: Beginning March 13, the old version of the form will no longer be accepted. It is crucial to use the updated form to avoid potential delays in business operations. Remember to check the revision date on the bottom right corner of the form, which should be marked as RV 12-23. 

New revision dates will be applied to the following affected forms:

  • 4465-NAIC RV 12.23
  • 4465-NAIC-MN RV 12.23

Access the new suitability guide here!

In addition to this change, the 4394 form series will be removed for annuity new business only. Moving forward, ExpertForms will be transitioning to the industry standard:


This change will align paper with our electronic applications and help the annuity new business team streamline these requests on one form.

Attention Oregon Agents:
New form available starting March 13: 11207-OR



New application requirements

Beginning April 1, 2024, you will be required to provide the Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) for all new Health and Final Expense insurance applicants. This requirement will help streamline the application process by improving instant-decisioning and straight-through processing. SSNs and ITINs are a reliable and universal way to verify a person’s identity and will allow them to determine if someone already has coverage while reducing the number of duplicate accounts. Wellabe will also be able to properly identify household discount allocation for customers with multiple policies and verify coverage threshold.

If you have any questions, please call Wellabe's agent support at 800-547-2401. 


Rate Change Updates

American Equity

American Equity is proud to offer simple, transparent products at competitive rates within the industry. They remain committed to helping our contract owners protect their retirement dollars.

GuaranteeShield 3 & 5 Rates

Their rates on GuaranteeShield 3 & 5 fixed annuities will change effective Wednesday, March 13.

For clients to qualify for the current rates, applications along with cash or 1035/Transfer paperwork must be received by 5:00 p.m. CT on March 12, 2024, and transfer funds must be received by 5:00 p.m. CT on April 11, 2024

Premium Band

3 Year
Current Rates

3 Year
 New Rates

5 Year 
Current Rates

5 Year
New Rates











$249,999.01 and higher






UnitedHealthcare Medicare Plans

2024 Florida rate information is now available for AARP® Medicare Supplement Insurance Plans insured by UnitedHealthcare® Insurance Company (UHIC).

Effective June 1, 2024, the rates in Florida will change. Please click on the button below to view rates for new enrollees with initial plan effective dates of June 1, 2024, to May 1, 2025.

Head over to Jarvis
Jarvis is your one-stop shop for information, including premium rates, premium rate percentages, and more! Find state-specific rate information on Jarvis under Knowledge Center > Portfolio Overview > Medicare Supplement Plans > Rates and Underwriting > Choose a State > Annual Rate Change.


Find helpful resources 

Use LEAN™ for an easy enrollment experience or continue to use your state’s current Enrollment Kit until new ones become available, remembering to quote the applicable rate based on the requested plan effective date.

Find state-specific Enrollment Kits and Producer Handbooks on the Sales Materials Portal, accessible viaJarvis.

Find AARP Medicare Supplement Plans state-specific trainings on Jarvis under Knowledge Center > Training & Certifications, then under the Training Calendar header, click on Local Market Training. You can also access trainings HERE .      

Check out Learning Lab within Jarvis to discover helpful guides, job aids, on-demand learnings, and more.


Member billing information
New Personalized Billing is here! Members who pay by check will receive the individual monthly account statement by mail monthly. Members who pay by Electronic Funds Transfer (EFT), pay annually, or otherwise, will receive a statement by mail only when something on their account changes or action is required. Members can also view their statement online.


Here to help
For questions, contact the Producer Help Desk (PHD) at This email address is being protected from spambots. You need JavaScript enabled to view it. (include your agent Writing Number in the subject line) or your UnitedHealthcare Regional Director of AARP Medicare Supplement Growth. To speak with the PHD, call 888-381-8581, or for Spanish, call 866-235-5990.


Manhattan Messenger/Golden Link - MAC (MD)

Please click here to view Golden Link's Medicare Supplement rate change. 

Liberty Medicare Advantage has Great News!

In case you missed the news, Liberty Medicare Advantage is live in 5 new counties!

Great news!  Liberty Medicare has expanded their geographic coverage again in 2024 to include Pitt, Wayne, Wilson, Greene, and Lenoir Counties. These counties will become commissionable on 3/1/2024 for all plan effectives 4/1 and beyond!

INCOMING: LIBR Adjustments on IncomeShield

LIBR adjustments on IncomeShield 7, 9 & 10, effective March 1!

American Equity is proud to offer simple, transparent products at competitive rates within the industry. They remain committed to helping their contract owners protect their retirement dollars.

American Equity will be making adjustments to their Lifetime Income Benefit Rider (LIBR) (details listed below). These adjustments are designed to help simplify income planning for you and your clients. This also allows for more options for your longer-term clients.

IncomeShield 7, 9 & 10 Adjustments

These adjustments impact the LIBR Options 3 and 5* for IncomeShield 7, 9 and 10. Options 1, 2, 4 and 6 are unaffected by these changes.

Options 3 and 5 will have an updated Income Account Value (IAV) rate and an increased accumulation period effective Friday, March 1, 2024.

*Option 5 not available in CA

Current LIBR Options 3 & 5  New LIBR Options 3 & 5
 7% compound interest  6.5% compound interest
 15-year accumulation period   20-year accumulation period 
 The initial 7% IAV rate is guaranteed for the 10-year initial IAV   rate guarantee period. For years 11 - 15, the IAV rate will never be lower than the minimum guaranteed IAV rate of 4%.  The IAV rate is 6.5% and is   guaranteed for the 20-year   accumulation period.
For clients to qualify for the current LIBR Option 3 or 5, applications along with cash or 1035/Transfer paperwork must be received by 5:00 p.m. CT on February 29, 2024, and transfer funds must be received by 5:00 p.m. CT on April 1, 2024

Will new disclosures be required?
  • Applications received on or after March 1, 2024, will require the new disclosure. 
What if a client wants the 6.5% IAV rate on pending business?
  • Client will be required to send in the new disclosure in order to receive the 6.5% IAV rate with the 20-year accumulation period.
American Equity thanks you for your continued business. If you have any questions, please call American Equity Sales Support at 888-647-1371. To get updated sales materials and order custom ad slicks, log into MyPortal. 

Main Office:
2401 Sardis Road North, Suite 110
Charlotte, NC 28227

Texas Office:
9441 Lyndon B. Johnson Fwy Suite 512
Dallas, TX 75243

Mississippi P&C Office:
180 Canal Place
Philadelphia, MS 39350

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