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Life Health > Life Insurance

Variable Life Product Design Objectives

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Allmerica Financial Select Life Plus

Low Premiums; High Rolling Target Premiums; Maximum Retirement Income

Ameritas Life Overture Ovation!

High Long-Term Cash Values; Maximum Retirement Income; Favorable Underwriting

American General Life (AIG) Platinum Investor III

High Issue Age; High Target Premiums; Policy Features; Maximum Retirement Income

Canada Life Prestige Series VUL

Long-Term Cash Values; Secondary Guarantees; Rolling Target Premium

Equitable Life Incentive Life 2002

Death Benefits; Low Premiums; Policy Features; Riders

General American American Vision VUL 2002

Maximum Retirement Income; Policy Features; Underwriting Flexibility

Guardian Park Ave. Millennium Series

Guarantees; Policy Exchange; Level Premium Variable Life

Guardian Park Ave. VUL Millennium Series

Business Applications; Flexibility; Policy Exchange; Low Premium; Cash Values

Jefferson Pilot Financial Ensemble III

Low Premium to Carry; Broad/Favorable Underwriting; Long-Term Values; Maximum Retirement Income; Secondary Death Benefit Guarantees

John Hancock Life Medallion VUL Plus

Secondary Guarantees; High Early Values

John Hancock Life Medallion VUL Edge

Secondary Guarantees; Long-Term Values

Lincoln Benefit Life Consultant VUL

Maximum Retirement Income; Broad/Favorable Underwriting

Lincoln National Life VUL-DBII

Death Benefits; Low Premiums; Flexibility

Lincoln National Life VUL-CVIII

Cash Values; Maximum Income; Secondary Guarantees; Business Applications

Manufacturers Venture VUL Protector

Secondary Guarantees; Low Premiums; High Issue Ages

Manufacturers Venture VUL Accumulator

Commission and Load Options; Accumulation Values

Massachusetts Mutual VUL II

Secondary Guarantees; Flexibility; Riders

Midland National Foundation VUL

Guaranteed Zero Cost Loans; Secondary Guarantees; Enhanced Dollar Cost Averaging

Midland National Advanced VUL

Guaranteed Zero Cost Loans; Secondary Guarantees; Commission Options; Maximum Retirement Income

Midland National Life Premier VUL

Guaranteed Zero Cost Loans; Long-Term Values; High Face Amounts


Maximum Retirement Income; High Face Amounts; Cash Vales; Secondary Guarantees; Extended Maturity; Riders

National Life VariTrak II

Secondary Guarantees; Low Minimum Annual Premiums; High Cash Value; Long-Term Care; Chronic Illness

Nationwide Financial Best of America Protection FPVUL

Secondary Death Benefit Guarantees; Low Endowment Premium; Low Premium to Carry; Favorable Underwriting

Nationwide Financial Best of America Next Generation FPVUL

High Cash Values; Maximum Retirement Income; Favorable Underwriting

Nationwide Provident Options Premier

Death Benefits; Maximum Retirement Income; Living Benefits

New England Financial Zenith Flexible Life 2002

High Cash Values; Maximum Retirement Income; Underwriting Flexibility; Secondary Guarantees

New York Life & Annuity VUL 2000

Secondary Guarantees; Policy Features

Northwestern Mutual Variable CompLife

Full Death Benefit Guarantee; Cash Values; Long-Term Values

Ohio National Vari-Vest Asset Builder

High Cash Value; Maximum Retirement Income; Long-Term Values

Pacific Life Pacific Select Exec II

Maximum Retirement Income; Business Applications; Flexibility; Compensation Options

Penn Mutual Life Cornerstone VUL IV

Riders; Low Premium to Endow and Carry; Maximum Retirement Income; Long-Term Values

Phoenix Life Phoenix Edge VUL

Secondary Guarantees; Cash Values; Riders

Principal Life VUL Accumulator

High Accumulation Values; Separate Accounts in Morningstar-style boxes; High Target Premiums; Term Blending; Secondary Guarantees

Protective Life Premiere II VUL

Long-Term Cash Value; Maximum Retirement Income

Protective Life Premiere Provider VUL

High Early Cash Value; Long-Term Cash Value; Maximum Retirement Income

Pruco Life PruLife Custom Premier

Premium Flexibility; Minimum Premium to Endow; Maximum Retirement Income

ReliaStar Life Flex Design

Maximum Retirement Income; Subaccount Performance; Flexible Riders

Security Life of Denver Asset Portfolio Manager

High Cash Value; Maximum Retirement Income; Long-Term Values; Low Premium to Endow and Carry

Security Life of Denver Strategic Investor

Small Case COLI; Levelized Compensation; High Target Premiums; No Surrender Charges; High Early Cash Values

Southland Life Market Dimensions

Secondary Guarantees; Maximum Retirement Income; Rolling Target Premiums; Extended Maturity

Sun Life of Canada (US) Futurity Protector VUL

Low Expenses; Maximum Death Benefits; Rolling Target Premium; Extended Maturity; Maximum Retirement Income

Sun Life of Canada (US) Futurity Accumulator VUL

Low Expenses; Extended Maturity; Secondary Guarantees

Transamerica Occidental TransAccumulator VUL

Riders; Extended Maturity

Travelers Life & Annuity Variable Life

Low Premium to Endow; Extended Maturity; Secondary Guarantees

Travelers Life & Annuity Variable Life Accumulator

Maximum Retirement Income; Extended Maturity; Secondary Guarantees; High Target Premiums; Higher Funding

Union Central Excel Choice

Cash Value Accumulation; Maximum Retirement Income; Low Expenses

United States Life of NY (AIG) Platinum Investor

Policy Features; Maximum Retirement Income; Guarantees

Western Reserve WRL & AUSA Freedom Elite Builder

High Cash Value; Long Term Value

Reproduced from National Underwriter Life & Health/Financial Services Edition, November 25, 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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