The Smart Start Accumulator Series Enhancements Just Got Even Better! New in CA
A smart decision made even easier – we are raising the guaranteed floor rate to give clients an even better first year start.
With the new Smart Start Accumulator Series, all fully funded, pending applications submitted July 7 through Sept. 9 will receive a 6% guaranteed floor rate for the first contract year. Applications submitted after this 60-day window will receive the standard 4% rate. Don’t miss out on this limited time opportunity to present your clients with a full-featured FIA from an ‘A’ rated carrier.1,2,3
The Smart Start Accumulator Series will also be launching in California on July 7, giving clients access to a new, enhanced, and competitive solution.
Product training
- Required suitability training, course LAD10822, must be completed before sale.
- Agents who completed LAD10385 prior to 07/07/2026 must complete the supplemental update module LAD10821.
- The full suitability course will be available on RegEd, My Learning, iCapital (Simon), and LUMA. The supplemental course will be available on RegEd and My learning.
Brush up on all the updates and opportunities in the Smart Start Accumulator Series video.
1. A.M. Best A.M. Best’s active company rating scale ranges from A++ (Superior) to D (Poor). For the latest A.M. Best’s credit rating, please visit www.ambest.com.
2. Please see the Fitch Ratings website for more information on credit rating categories www.fitchratings.com.
3. Standard & Poor’s active company rating scale ranges from AAA (Extremely Strong) to CC (Extremely Weak). Plus (+) or Minus (‐) modifiers show the relative standing within the categories from AA to CCC. For a full list of Standard & Poor’s activity company rating scale visit www.standardandpoors.com.
There will be a 60-day window for pending applications submitted on or before July 6, that wish to issue with the Best Entry feature. Applications must be funded by the end of that 60-day period.