Life Insurance & Estate Rule Watch

Why this is recommended

A no-exam limit that rises to $3 million, a state that repeals its inheritance tax, or a probate threshold that doubles changes a family plan by thousands. Insurer downgrades and unclaimed benefit searches are worth even more.

What the Tab covers

Who it is for

Anyone with dependents, a policy, an aging parent or an estate to settle, which is most adults over 35.

When it runs

Insurers and state legislatures post changes at the start of the week; estate paperwork gets done on weekends

Scope

Northwestern Mutual, New York Life, MassMutual, Prudential, Lincoln, Pacific Life, Banner, Protective, Haven, Ethos, Ladder, State Farm, Transamerica and John Hancock; pricing, underwriting and no-exam limits, ratings and policy transfers; state estate and inheritance taxes, probate, will, trust and transfer-on-death rules by state; beneficiary and unclaimed benefit rules; life settlement and long-term care rider changes

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

Term life price and underwriting changes including no-exam limits, insurer rating downgrades and policy transfers, state estate and inheritance tax changes, probate, will and transfer-on-death rule changes, beneficiary and unclaimed benefit rules and life settlement and long-term care rider changes, with the insurer or state first.

Track US life insurance and estate rules. Report only confirmed, source-backed items from the last 7 days: term and whole life price changes, underwriting changes and no-exam coverage limit changes at Northwestern Mutual, New York Life, MassMutual, Prudential, Lincoln, Pacific Life, Banner, Protective, Haven, Ethos, Ladder, State Farm, Transamerica and John Hancock; insurer rating downgrades, insolvencies and block transfers; state estate and inheritance tax threshold and rate changes; probate, small-estate, will, trust, power of attorney and transfer-on-death rule changes by state; beneficiary designation and unclaimed death benefit rules and search tools; and life settlement, accelerated benefit and long-term care rider changes. Prefer insurer pages, state insurance departments, state legislatures, AM Best and established financial planning reporting; ignore agent marketing. Put the insurer or state first in the title and state who is affected and from when. Use high severity for a rating downgrade, an insolvency, or a state tax or probate change taking effect within 90 days. Return no more than 5 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, what to do, the date, and the source link. If nothing qualifies, push nothing and submit the run receipt.