Allmerica Financial Select Life Plus/VUL 2001
Feature-laden plan designed for low premium outlay; maximum income through preferred zero-cost loans and low fixed loan rate; dollar cost averaging and automatic rebalancing; flexible allocation rules; high rolling target premiums; unique application process.
Ameritas Variable Life Overture Ovation!
Designed for high long-term cash values and maximum retirement income; favorable underwriting; competitive producer compensation; legacy asset and term rider provides enhanced cash values, premium flexibility.
American General Life Platinum Investor III
Equally strong in creating retirement income or low cost death benefit; high issue age; competitive loan spreads and preferred zero net cost; asset allocation and automatic rebalancing; dollar cost averaging; selection of riders for customized coverage; contractually guaranteed M&E charges and admin. fee; strong retirement income.
Canada Life Prestige Series VUL
Designed for long-term cash values and death benefits; flexible term riders; lifetime death benefit rider; full commission on first target premium even if paid in future years.
Features include an option C death benefit which provides as a death benefit the specified amount plus the return of premiums less total withdrawals and a 20- and 30-year no-lapse guarantee feature; contains a 5-year no lapse guarantee if minimum premiums met.
Equitable Life Incentive Life
Performs well in cash accumulation and death benefit protection sales; enhanced death benefit guarantee rider and paid-up death benefit guarantee provision; non-guaranteed customer loyalty credit; preferred loans beginning in year 16; incentive term rider improves performance and accounting benefits endorsement for business sales improves policy values in early years.
General American Life American Vision VUL 2002
Designed to maximize cash accumulation and retirement income; asset allocation modeling, dollar cost averaging and two types of portfolio rebalancing (periodic, variance); elite class and table shaving; age 100 guaranteed death benefit option.
Guardian Insurance & Annuity Park Avenue Life Millennium Series
Designed for competitive cash accumulation with a fixed level premium; exchange of policy provision to a level premium whole life prior to age 70 or the second anniversary (original age; no evidence required.); guaranteed death benefit to age 100 coupled with the fixed level premium (premium re-determined at age 75, or 10 years, then fixed to age 100).
Guardian Insurance & Annuity Park Avenue VUL Millennium Series
Flexible product competitive at low level premium or for high cash value and maximum retirement income; death benefit option 3 equal to the face amount plus net accumulated premiums; choice of two Section 7702 tests; exchange of policy provision to a level premium whole life prior to age 70 or the second anniversary (original age; no evidence required).
Jefferson Pilot Financial Ensemble III
Performs well in low premium/death benefit oriented sales or high premium/cash accumulation sales; low premiums to carry; secondary death benefit guarantees up to 20 years; guaranteed monthly accumulation value adjustment; zero-spread loans on cash values over guideline single premium contractually guaranteed; flexibility through death benefit maintenance and supplemental coverage rider; attainable preferred plus underwriting class.
John Hancock Life Medallion Variable Life Plus/Edge
Strong early values with strong long-term death benefit guarantees.
Kemper Investors Life Zurich Kemper Life Investor
Strong in over-funded premium scenarios; zero-net cost loans on earnings; unique “TeleLife” application process.
Lincoln Benefit Life Consultant VUL
Designed to accumulate and distribute cash efficiently; strong guarantees (death benefit, mortality bailout, wash loan and maturity rider).
Lincoln Life VUL CVIII
Designed for cash value accumulation; competitive in cash out scenarios while still providing significant death benefit at age 100; 10-year, 20-year, and lifetime guaranteed death benefit available; maximum retirement income; accounting value rider for business applications.
Lincoln Life VUL DBII
Designed for long-term death benefit needs with low premium outlay; can provide for efficient transfer of wealth from generation to generation; designed for flexibility and long-term changes.
Manufacturers Life Venture VUL Protector
Competitive premium solves; extended no lapse guarantee to age 100 (a 20-year no-lapse guarantee automatically included); flexible term rider; preferred rates to age 90; quit smoking incentive (lower COI rates during first three policy years for smokers).
Manufacturers Life Venture VUL Accumulator
Three commission and load options; strong in highly funded sales with maximum cash value accumulation; tax-preferred loans and withdrawals for income purposes; adaptable to three distinct markets.
MassMutual Financial VUL II
Long-term secondary-guarantees; several rider options for flexibility; full death benefit guarantee for the life; competitive premiums; five underwriting classes including two preferred non-tobacco classes and a preferred tobacco class.
Midland National Life Advanced VUL
High early cash values when heavily funded (premium loads capped at two times target); three commission options; guaranteed zero cost loans in years 11+; designed as low cost variable life insurance.
Midland National Life Premier VUL
Designed as low cost VL insurance with strong long-term cash accumulation; strong at high face amounts; efficient cash value performance for the premium; guaranteed zero cost loans in year 6.
Midland National Life Foundation VUL
Competitive cash accumulation with strong supplemental retirement income and low cost long-term guarantees; guaranteed zero cost loans in year 6; optional guaranteed no lapse protection to age 65, 80 and 100; enhanced DCA crediting 10% for the first policy year.
MONY Life VUL
Competitive for richly funded protection, accumulation and funding scenarios; higher face amount loading fee discounts; COI banding up to $1 million; guaranteed low net cost policy loans; full death benefit guarantees to age 100; two maturity extension riders; term blending rider to age 100; waiver of specified premium rider; minimum guaranteed interest rate of 4.50%.
National Life VariTrak
Provides a low cost structure and competitive cash value accumulation; accelerated benefits rider and chronic illness provision that accelerates benefits on a discounted basis if insured cannot satisfy two of six activities of daily living.
Nationwide Financial The Best of America Protection FPVUL
A death benefit oriented contract designed for those customers whose primary concern is insurance coverage with cash value build-up being a secondary concern.
Nationwide Financial The Best of America Next Generation FPVUL
High cash value.
New England Financial Zenith Flexible Life 2002
Designed to maximize cash accumulation and subsequent retirement income; asset allocation modeling, dollar cost averaging and two types of portfolio rebalancing (periodic, variance). available elite class and table shaving; age 100 guaranteed death benefit option.
New York Life & Annuity VUL 2000