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Life Health > Life Insurance

SVL Product Design Objectives

By Staff Writer

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Allmerica Financial Survivorship VUL

Low premiums; maximum retirement income; long term values; flexibility; features; high target premiums.

American General Life (AIG Inc.) Platinum Investor Survivor II

High target premiums; secondary guarantees; maximum retirement income; abbreviated payments.

Ameritas Variable Life Overture Bravo!

High cash value; maximum retirement income; broad/favorable underwriting.

BMA Life Clarity Survivorship VUL

Low endowment premium; term blending; underwriting.

Equitable Life Survivorship Incentive Life

Maximum death benefits; cash accumulation; bonus; term blending; maximum retirement income.

General American Life American Vision JSVUL 2000

Low premium to endow; cash accumulation; secondary guarantees.

Guardian Ins. & Annuity Park Avenue SVUL Millennium Series

Flexibility; secondary guarantees.

Jefferson Pilot Financial Ensemble SL

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

John Hancock Life Variable Estate Protection Plus

Flexibility; riders.

John Hancock Life Variable Estate Protection Edge

Flexibility; secondary guarantees; maximum retirement income; maturity extension.

Lincoln National Life SVULII

Low cost death benefits; secondary guarantees.

Manufacturers Life (U.S.A.) Venture Survivorship VUL

Secondary guarantees; term blending.

MassMutual Financial Group SVUL II

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

Midland National Life VSL

Cash accumulation; secondary guarantees; maximum retirement income.

MONY Life Survivorship VUL

Riders; secondary guarantees; extended maturity; waiver of specified premium; term blending.

National Life Seninel Estate Provider

Cash value accumulation; maximum death benefits.

Nationwide Financial The Best of America Protection

Maximum death benefits; accumulation values.

Nationwide Financial The Best of America Next Generation

Accumulation values; maximum retirement income; low expenses.

New England Financial Zenith Survivorship Life 2002

Low endowment premium; maximum death benefit; older ages.

New York Life & Annuity NYLIAC Survivorship VUL

Low premium to endow; high cash value; broad/favorable underwriting.

Northwestern Mutual Life Variable Joint Life

Maturity extension.

Ohio National Life Vari-Vest Survivor

Low premium to endow; secondary guarantees; long term values.

Pacific Life Select Estate Preserver V

Maximum death benefits; maximum retirement income; business applications; secondary guarantees; maturity extension; policy loans.

Penn Mutual Life Variable Estate Max III

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

Phoenix Life Phoenix Edge SVUL

Premium solves; cash values; secondary guarantees; underwriting; term blending; riders; maximum retirement income.

Phoenix Life Estate Edge

Low initial premiums; secondary guarantees; maturity extension; flexibility.

Protective Life Premiere Survivor VUL

Low premium to endow; long term values; maximum retirement income.

Provident Mutual Life Survivor Options Premier

Term blending; maturity extension; secondary guarantees.

Provident Mutual Life Survivor Options Elite

Term blending; maturity extension; secondary guarantees.

Prudential Financial Survivorship SVUL

Underwriting; maturity extension.

ReliaStar Life Variable Estate Design

Term blending; maturity extension; maximum retirement income.

ReliaStar Life Variable Accumulation Design

Maximum retirement income; high target premiums; flexibility; riders; secondary guarantees; term blending.

Security Life of Denver VSUL

Maturity extension; high cash values; maximum retirement income.

Southland Life Survivor Dimensions

Secondary guarantees; maturity extension; low face amounts; maximum retirement income; standard classes.

Sun Life of Canada (U.S.) Futurity Survivorship II VUL

Term blending; secondary guarantees; maximum retirement income.

Transamerica Occidental Life TransSurvivor Life VUL

Policy split; secondary guarantees; maturity extension.

Travelers Insurance Variable Survivorship Life II

Low premium to endow; maximum death benefits; maturity extension.

US Life (AIG Inc.) Platinum Investor Survivor

Secondary guarantees; guarantees; maximum retirement income.

Western Reserve Life Freedom Wealth Protector

Secondary guarantees; maximum retirement income; low premium to carry; high cash value; broad/favorable underwriting; long term values.

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.

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