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November 11, 2001 at 07:00 PM
Acacia National Life Allocator 2000
Can be structured to enhance account value, death benefit or a combination of both; often used for retirement income; good for juveniles when combined with guaranteed insurability rider and total disability rider; zero cost loans available.
Allmerica Financial VUL2001/Select Life Plus
Many features, one product; high rolling target premiums and unique application process; producers can handle entire app processing use tele-med process that lets them simply submit an order ticket and company does the rest.
Ameritas Variable Life Overture Encore!
Used for higher-band cases; high cash value; broad/favorable underwriting; Morningstar approved investment options; all equity style boxes represented for complete diversification of investments; balanced producer compensation and product performance.
Ameritas Variable Life Overture Applause! II
Used for lower-band cases; high cash value; broad/favorable underwriting; Morningstar approved investment options; all equity style boxes represented for complete diversification of investments; balanced producer compensation and product performance.
American General/United States Life Platinum Investor
Designed for retirement income or low cost death benefit; availability of a large case underwriting team; zero net cost loans; high target premiums; flexible premium and coverage amounts and an extensive selection of riders for customized coverage; contractually guaranteed M&E charges and monthly admin. fee, high issue ages.
Canada Life Prestige Series VUL
Designed to provide long-term cash values and death benefit performance; term rider flexibility; lifetime death benefit guarantee available; full commission on the first target premium even if it is paid in future years.
CNA Life Dimension One VUL 2000
Easy access to cash value; multiple fixed account options; death benefit continues beyond age 95 (asset based charges continue and insurance related charges cease); full compliment of riders; policy guarantees; term Conversion program.
CNA Life Dimension Four Flexible Premium
Affordable long-term insurance protection; multiple fixed account options; death benefit continues beyond age 95 (asset based charges continue and insurance related charges cease); streamlined load structure with no policy fee; VA type liquidity option; surrender charges based on 9 year scale; term conversion program; full compliment of riders.
Equitable Life Incentive Life
Designed for cash accumulation and death benefit protection sales; policy offers unique features including enhanced death benefit guarantee rider and paid-up death benefit guarantee provision; non-guaranteed customer loyalty credit of 0.60% of unloaned policy account value beginning in the 7th policy year; preferred loans beginning in policy year 16; accounting benefits endorsement for business sponsored policies improves policy values in early years.
GE Life and Annuity Protection Plus VUL
Death benefit guarantees, low endowment premiums and attractive compensation; non-preferred loans at 0.70%, impaired risk underwriting expertise.
GenAmerica Financial American Vision VUL 2000
Designed for retirement income; strong premium to endow performance; available as accumulator and protector products; attainable elite risk class; 10 unique SEI “manager of manager” funds; 7.25% general account returns; lifetime coverage rider available; for all policies no COIs are charged and no premium is required after age 100; no charge variance portfolio rebalancing (% variance range selected by the client; does not count against the annual limit on number of fund transfers).
Guardian Insurance & Annuity Park Avenue Millennium
Flexible through a range of features and benefits; death benefit option 3 provides a death benefit equal to the face amount plus net accumulated premiums; ability to choose between one of two Section 7702 tests; policyholders can exchange the variable universal life policy for a whole life insurance without evidence of insurability (prior to 70th birthday or second policy anniversary).
John Hancock Life Medallion Variable Life Plus
Strong early values; long-term death benefit guarantees.
Jefferson Pilot Financial Ensemble III
Designed for both low premium/death benefit and high premium/cash accumulation applications; guaranteed monthly accumulation value adjustment; zero spread loans on cash values over guideline single premium are contractually guaranteed; rider provides guaranteed non-forfeiture values; supplemental coverage rider; attainable preferred plus underwriting class.
Lincoln Benefit Life Consultant VUL
Designed to accumulate & distribute cash efficiently for retirement income; broad/favorable underwriting; strong guarantees (death benefit, mortality bailout, wash loan and maturity rider).
Lincoln National Life VUL-CVII
Cash value accumulation focused; competitive in cash out scenarios while still providing a significant death benefit at age 100; 10-year and lifetime guaranteed death benefit available; accumulation and liquidity for deferred compensation, education funding and income replacement; accounting value rider.
Lincoln National Life VUL-DB
Death benefit focused and designed to be affordable; ten-year death benefit guarantee; accounting value and change of insured rider.
Manufacturers Life Venture VUL Protector
Competitive premium solves; extended no lapse guarantee flexible to age 100 (20-year guarantee automatic); flexible term insurance rider; preferred rates to age 90; quit smoking incentive (lower COI rates during first three policy years for smokers).
Manufactures Life Venture VUL Accumulator
Designed for cash accumulation and retirement income through tax-preferred loans and withdrawals; product covers three different target markets; three commission options and load options.
MassMutual Financial Group VUL II
Full death benefit guarantee for life; competitive premiums; five underwriting classes including two preferred nontobacco classes and a preferred tobacco class; several rider options.
Midland National Life Variable Executive UL 2
Designed for cash accumulation with low cost death benefit protection; no-lapse guarantee; retirement income through guaranteed zero cost loan feature.
National Life of Vermont VariTrak
Low cost structure and competitive cash value accumulation; accelerated benefits rider and chronic illness provision that accelerates benefits on a discounted basis in the event insured cannot satisfy two of six activities of daily living.
New England Financial Zenith Flexible Life 2001
Low endowment premium; competitive death benefit and cash value performance; term to age 100 rider allows competitive performance throughout policy’s duration.
Northwestern Mutual Life Variable CompLife
Full death benefit guarantee designed for long-term cash value accumulation; product is not universal life, it is participating and expects to pay dividends; flexibility achieved through components: variable whole life, additional protection, additional premiums, and lump sums; early warning system tests additional protection piece after the guarantee period has expired for adequate funding to age 100.
