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SWL Product Design Objectives

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Acacia Life Regent Term blending; cash value; abbreviated payment schedule.

John Hancock Life Level Premium Estate Protection

Riders; broad/favorable underwriting; issue ages.

Manufacturers Life (USA) Survivorship Life (TMS97)

Term blendability.

MassMutual Financial Group Survivorship WL Protector (SWL P)

First death benefits; broad/favorable underwriting.

MassMutual Financial Group Survivorship WL

Term blending; broad/favorable underwriting.

New York Life Survivorship WL

Numerous underwriting classes; riders; tax qualified plans.

Northwestern Mutual Life Joint CompLife Term blending; guarantees.

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.