Policy Strengths

Acacia Life Flex Account Ultra

Competitive in retirement income and senior markets; guaranteed wash loans; strong cash values; accelerated death benefit for chronic or terminal illness.

American Family Life UL-2000

Designed for young families and business succession planning.

American General Life (AIG) Platinum Provider Ultra

Designed for low premium and death benefits; good for salary continuation with cost recovery, and business continuation arrangements; issued to age 90; choice death benefit tests; supplemental coverages.

American General Life (AIG) Platinum Provider Ultra G

No lapse guarantee to age 100; catch up provision and prepayment discount; issued to age 90; maturity extension on DB included.

AmerUs Life UL Solution

Guaranteed death benefit for 15 years; good in high face, standard and substandard market; preferred tobacco class.

AmerUs Life FoundationBuilder Plus

Equity indexed to Standard & Poors 500 Index; preferred tobacco class.

AmerUs Life Vision Builder

Equity indexed to S&P 500 Index; 100% guaranteed participation rate; waiver of scheduled premium rider; fixed or variable loan interest rate; 1% account value enhancement in years 10+.

AmerUs Life Liberty Builder

Equity indexed to S&P 500 Index; 100% guaranteed participation rate; waiver of scheduled premium rider; fixed or variable loan interest rate.

Banner Life Continuity UL 100

Designed for low cost guarantee coverage to age 100; extended maturity option available; low cost of insurance; underwriting.

Canada Life UltraTermUL

Designed as a low cost death benefit product with a 30-year no lapse guarantee (10 years when minimum premium paid); competitive 30-year term alternative at issue ages 56-70.

Canada Life UltraQuest UL

High target premium; non-commissionable term rider for versatility; short surrender period; zero net interest cost loans in year 10; no COI or expenses at age 100; accounting benefit option; designed for high cash value.

CNA (Valley Forge) ViaMax 15

Designed as a long-term plan; low premiums to endow with more cash value in later years; extended secondary guarantees; competitive term riders.

CNA (Valley Forge) Viamax UL 10

Designed as a short-term plan with early cash values; extended secondary guarantees; competitive term riders.

Conseco Life Indexed UL 2

Equity indexed to S&P 500 Index; death benefit guarantees of 20 and 30 years; commissionable face increase and commissions paid on substandard risk classes; interest bonuses; preferred zero spread loans.

Conseco Life Conseco UL

Death benefit guarantees of 20 and 30 years; commissionable face increase and commissions paid on substandard risk classes; interest bonuses; preferred zero spread loans; low premium to carry and endow.

Conseco Life LifeStyle

Designed for cash accumulation at higher face amounts; interest guaranteed interest of 3.50% credited to accumulation account during the first 20 years and 2.50% after; low premium to carry and endow.

Equitable Life Equitable UL II

Designed for both cash accumulation and death benefit sales; age 100 no lapse guarantee for policies that are always death benefit Option A; non-guaranteed interest rate bonus of 40 basis points in years 6+ or age 65; 9 riders for customization.

First Colony Life FirstChoice Gold

Designed for low premiums; competitive guaranteed level premiums for 20 years (minimum premium) or designated premium option to lifetime; catch-up provision; no maturity age; 8 underwriting classes.

First Colony Life GE Lifetime Protector

Integrated benefit rider for higher cash accumulation or lower initial premiums; markets include income replacement, business continuation, and section 162 executive bonus.

GE Financial GE Gold

Designed for low premiums; competitive guaranteed level premiums for 20 years (minimum premium) or designated premium option to lifetime; catch-up provision; no maturity age; 8 underwriting classes.

General American Life American Vision Series UL

Designed for high guaranteed death benefit at a low premium; good short pay lifetime no-lapse premiums; strong guarantee durations in premium to endow or carry sales.

Indianapolis Life Horizon ULC 2001

Designed for low-cost long-term death benefit protection; performs well for standard classes, ages 55 and above, and for rated cases up to Table D; produces low premium solves; no lapse guarantee rider for 20 years or age 100; stable portfolio interest rate history.

Indianapolis Life Horizon ULFlex 2001

Designed for low face amounts, simplified issues up to $100,000, and limited premium payment solves with higher target premiums; no lapse guarantee rider for 20 years or age 100; stable portfolio interest rate history; no current expenses after year 5.

Indianapolis Life Vista Elite

Equity indexed to S&P 500 Index; 100% guaranteed participation rate; waiver of scheduled premium rider; fixed or variable loan interest rate; 1% account value enhancement in years 10+.

Indianapolis Life Vista Select

Equity indexed to S&P 500 Index; 100% guaranteed participation rate; waiver of scheduled premium rider; fixed or variable loan interest rate.

Investors Life of North America Univestor UL 10

Designed for middle market with 50% of applicants in preferred classes; 10-year no lapse guarantee with minimum premium; rolling 24-month target premium; high long-term cash values; wash loans year 15+; extended maturity option can be activated up to 30 days prior to maturity.

Jefferson-Pilot Life Legend 300/400

Designed for low premiums, long-term values, low cost of insurance rates; no maturity date, critical illness; lifetime no lapse rider. Legend 400 is an accumulation product designed for maximum funding and cash accumulation; good for supplemental retirement income.

John Hancock Life Medallion Gold UL

Designed for low premiums; attractive for older clients; no lapse guarantee with catch-up feature available; guaranteed interest rate bonus of up to 1.00%; age 100 waiver of charges rider extends death benefit if at least $1 of cash value in the policy.

John Hancock Life Performance UL

Designed for flexibility with retirement, long term care, and protection; death benefit guarantees; competitive premium solves.

Lincoln National Life UL LPR

Flexibility, with a lapse protection rider for guaranteed protection for life.

Lincoln National Life UL DB

Low endowment premium; extended maturity; cost efficient coverage.

Manufacturers Life UL

Cost effective death benefit protection; guarantees of coverage up to lifetime.

MassMutual Financial Group UL 2 Guaranteed