American General (AIG Inc.) Platinum Survivor Ultra

Low premium to carry; high death benefit.

AmerUs Life Ultimate Survivor Series III

Flexibility.

Banner Life Survivor Life

Secondary guarantees.

Canada Life Lifetime 2

Secondary guarantees; term blending.

CNA Insurance Estate Saver 2000

Low premium to carry; secondary guarantees.

Conseco Life Survivor Choice UL 100% EIUL

Low endowment premium; secondary guarantees; equity index option; broad/favorable underwriting.

Conseco Life Survivor Choice UL 100% Portfolio Account/0% EIUL

Low endowment premium; secondary guarantees; equity index option; broad/favorable underwriting.

Conseco Life Survivor Choice UL 50% Portfolio/50% EIUL

Low endowment premium; secondary guarantees; equity index option; broad/favorable underwriting.

Equitable Life Equitable Survivorship UL II

Secondary guarantees; bonus; riders.

First Colony Life Life Two (R)

Flexibility; secondary guarantees; term alternative; term blending; programmed increases.

General American Life American Vision JSUL

Secondary guarantees; low premiums to endow; death benefit focused; impaired risks.

Indianapolis Life Horizon SUL 2001

Secondary guarantees; minimum premium to carry; underwriting.

Jackson National Life JNL Survivorship UL (Last Survivor)

Riders; extended maturity.

Jefferson-Pilot Life Duet 300

Secondary guarantees; extended maturity; low premium to carry; broad/favorable underwriting.

John Hancock Life Universal Life Estate Protection

Extended maturity; secondary guarantees.

Lincoln National Life SUL LPR

Secondary guarantees; persistency bonus; high issue ages; policy split.

Lincoln National Life SUL-IV

Policy split option; maturity extension; persistency bonus; high issue ages; flexibility.

Manufacturers Life (USA) Survivorship UL

Secondary guarantees; flexibility.

MassMutual Financial Group SUL 10

Secondary guarantees; broad underwriting classes; short term; convertible.

MassMutual Financial Group SUL

Low endowment premium; low premium to carry; high cash value; maximum retirement income; broad/favorable underwriting.

MassMutual Financial Group Survivorship Universal Life Guaranteed (SULG)

Secondary guarantees; broad underwriting classes.

MONY Life Survivorship UL

Large face amounts; secondary guarantees; maturity extension; waiver of specified premium; riders.

National Life NL Estate Provider

Term blending; riders; low cost death benefits.

New York Life & Annuity NYLIAC Survivorship UL

Low endowment premium; extended maturity; secondary guarantees; underwriting.

Ohio National Life Survivor Life LP

Low endowment premium; secondary guarantees.

Pacific Life Estate Preserver

Term blending; illustrated values; maturity extension; secondary guarantees.

Penn Mutual Life Estate Max II

Low endowment premium; low premium to carry; long term values; secondary guarantees; riders.

Phoenix Life Estate Legacy II

Riders; abbreviated payment; maturity extension; term blending.

Principal Life Survivorship Universal Life

Broad/favorable underwriting; secondary guarantees; maturity extension; IRRs.

Protective Life Protective Survivor

Low endowment premium; low premium to carry.

ReliaStar Life Elite Estate

Low endowment premium; low premium to carry; flexibility; secondary guarantees; guaranteed limited pay.

ReliaStar Life Estate Choice SE

Secondary guarantees; flexibility; guaranteed limited Pay.

Security-Connecticut Life Survivorship Estate Design

Secondary guarantees; guaranteed limited pay; extended maturity.

Security Mutual Life of New York Estate Conserver

Low endowment premium; low premium to carry; broad/favorable underwriting; impaired risks.

Southland Life Legacy Survivor

Extended maturity; low endowment premium; low premium to carry.

Travelers Life & Annuity Survivorship Life

Low premium to carry; low premium to endow; secondary guarantees; underwriting.

US Life (AIG Inc.), Survivorship Premier

Older ages; high face amounts.


Reproduced from National Underwriter Life & Health/Financial Services Edition, September 2, 2002. Copyright 2002 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.