This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services. Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2018 and highlight their key features.

1. Annuity and Life Insurance Product Update
Second Quarter 2018
Published July 2018

2. Table of Contents
▪ Introduction
▪ Annuities: Product Releases
- Prudential Guaranteed Income for Tomorrow (GIFT)
- Lincoln Level Advantage
- Pacific Life Core Protect Plus
- New York Life Secure Term Fixed Annuity V
- Athene Agility
▪ Life Insurance: Product Releases
- John Hancock Vitality rider
- Lincoln Wealth Accumulate IUL
▪ About Annuity Monitor and Life Insurance Monitor

3. Introduction

4. Background
▪ This slide deck examines new product
releases from annuity carriers and life
insurers covered in Corporate Insight’s
Annuity Monitor and Life Insurance
Monitor research services
▪ We provide a rundown of new products
introduced on coverage group firms’
websites in the second quarter of 2018
and highlight their key features

5. Firms Covered
▪ Below is a list of the firms we track for our Annuity Monitor and
Life Insurance Monitor research services:
Annuity Monitor Life Insurance Monitor
• Allianz Life
• Athene
• AXA
• Brighthouse Financial
• Fidelity
• Guardian Life
• Jackson National
• Lincoln Financial
• MassMutual
• Nationwide
• New York Life
• Pacific Life
• Principal
• Prudential
• TIAA
• Transamerica
• USAA
• Vanguard
• AXA
• Brighthouse Financial
• Haven Life
• John Hancock
• Liberty Mutual
• Lincoln Financial
• MassMutual
• Nationwide
• New York Life
• Northwestern Mutual
• Pacific Life
• Principal
• Prudential
• State Farm
• USAA

6. Annuities: Product Releases

7. Prudential Guaranteed Income for
Tomorrow (GIFT)
▪ Direct-to-consumer deferred income annuity launched in March
▪ Requires minimum monthly after-tax contribution of $100
▪ Was only offered through worksite consumer relationships upon
its release
▪ Was expanded to the general public in June

8. Lincoln Level Advantage
▪ Indexed variable annuity debuted in May
▪ Offers four indexed account, three term-length and four
protection-level options
▪ Provides lifetime income if paired with the i4Life Indexed
Advantage optional rider

9. Pacific Life Core Protect Plus
▪ Optional guaranteed minimum withdrawal optional benefit for
variable annuities introduced in May
▪ Provides a payment base equal to the higher of a 7% annual credit
or the highest anniversary value
▪ Offers a five-year guarantee and comes with annual market lock-
ins

10. New York Life Secure Term Fixed Annuity V
▪ Fixed annuity introduced in June
▪ Features three- to seven-year initial interest rate guarantee
periods
▪ Includes the Living Needs Benefit Rider

11. Athene Agility
▪ Fixed indexed annuity launched in June
▪ Offers one- and two-year interest crediting terms
▪ Features 175% participation rate and a 25% bonus to the Benefit
Base
▪ Allows 10% withdrawals based on the greater of the accumulated
or initial premium value

12. Life Insurance: Product Releases

13. John Hancock Vitality Rider
▪ Optional rider for John Hancock Term introduced in May
▪ Provides access to the Vitality program, which can decrease
premiums through program engagement
▪ Results in a higher initial premium than the existing term product
with the Vitality program built in
▪ Allows clients to drop the rider after issue

14. Lincoln Wealth Accumulate IUL
▪ Indexed universal life insurance launched in May
▪ Allows clients to allocate funds within Perform, Balance and
Conserve indexed accounts
▪ Supplies optional benefits, including those meant for business
protection

15. About Annuity Monitor and
Life Insurance Monitor

16. Annuity Monitor and Life Insurance Monitor
▪ Annuity Monitor (AM) and Life Insurance Monitor (LIM) focus on
the online user experiences that leading firms provide prospects,
clients and advisors
▪ Using actual accounts, AM and LIM give a firsthand look at current
online capabilities, including client account information,
transactions, tools, customer service and educational resources
▪ AM and LIM follow the products and services offered by
competitors across the industries, providing an up-close view of
what firms are doing to attract new clients

17. Contact Us
Haley Tighe
Senior Research Associate
(646) 454-2662
htighe@corporateinsight.com