Adjustable coverage through life of policy.
Platinum Survivor Ultra
Designed to be a leading product in premium required to fund a minimum cash value at age 100; competitive at various ages and underwriting classes.
Lifetime death benefit guarantee period to age 100; value with the combination of underwriting expertise, long-term coverage guarantees and low-cost life insurance.
Competitively priced, especially when utilizing the lifetime no-lapse guarantee; supplemental term insurance rider also covered by the lifetime no-lapse guarantee.
Estate Saver 2000
Designed primarily for married couples and as key-man insurance; extended no-lapse guarantees.
Premiums can be structured for term-like to fully guaranteed coverage, and can be adjusted any time; no-lapse guarantee by paying target premiums; programmed increase available without evidence.
American Vision JSUL 01
Coverage continuation rider automatically included at no charge can guarantee coverage for any duration through lifetime, depending on premiums; latitude on impaired risks; one declined life is acceptable if other is rated no higher than Table D.
Universal Life Estate Protection
Offers a low premium outlay with an age 100 waiver of charges rider to maintain your death benefits after age 100, waiving all policy charges; competitive secondary no-lapse guarantee premium.
Competitive long-term values and low premium solves with the availability of competitively priced secondary guarantees; rolling targets.
Flexible lapse protection rider; competitive preferred rates.
Estate preservation and liquidity. Competitive illustrated values for a premium to endow, particularly for rated insureds; competitive rate of return based on premium per dollar of death benefit.
Policy protection rider offers affordable premiums that can guarantee coverage up to any age or for life.
Blue Chip Survivor UL II
Two no-lapse guarantees; primary market is affluent married couples; flexible, low-premium plan.
Flexible chassis; full array of riders; competitive in minimum premium to endow scenarios.
Competitive current illustrated performance; term rider for seamless flexibility.
Phoenix Estate Legacy
Flexibility in premium schedules, guarantee periods and riders; estate term rider has three increasing face amount options.
Designed for older age, low-cost death benefit and long-term guarantee markets; includes a five-year no-lapse guarantee; extended maturity option is provided to extend the maturity date beyond age 100.
Survivorship Estate Design
Death benefit guarantees at 10 years, 50 years or joint equivalent age 100; low guaranteed premiums; built-in extended maturity carries the full death benefit past the joint attained age 100.
Classic Survivorship UL
Waiver of specified premium at first death rider; continuation of coverage endorsement; choice of heaped or levelized compensation.
Affordable death benefit; designed for numerous markets including providing for a disabled child or dependent parent, gift to a favorite charity, to fund the transfer of a business interest or indemnify a business against the loss of key employees.
Travelers Survivorship Life
Designed for low-cost death benefit and flexibility; coverage protection rider and extension rider for a no-lapse guarantee and lifetime coverage.
Competitive performance and favorable underwriting guidelines for an uninsurable client; scheduled death benefit increase rider offers an economical means of allowing the face amount to rise to keep up with growing estates.
Reproduced from National Underwriter Life & Health/Financial Services Edition, August 27, 2001. Copyright 2001 by The National Underwriter Company in the serial publication. All rights reserved.Copyright in this article as an independent work may be held by the author.