SUL Products Design Objectives

AmerUs Life Ultimate Survivor Series III

Flexibility; extended maturity.

American General Life (AIG) Platinum Survivor Ultra-G

Death benefit/premium guarantees; maximum retirement income.

American General Life (AIG) Platinum Survivor Ultra

Low premiums; maximum death benefit; supplemental coverage; maximum retirement income.

Banner Life Survivor Life

Full death benefit guarantee; high cash value; low cost of insurance.

Canada Life Lifetime 2 Death benefit/premium guarantees; term blending; low premiums.

CNA (Valley Forge Life) Estate Saver 2000

Full death benefit guarantee; conversion credit program; low cost loans; low minimum premiums; business applications.

Conseco Life Survivor Choice UL

Equity index or portfolio interest rate; low endowment premium; broad, favorable underwriting classes.

Equitable Life Survivorship Universal Life II

Low endowment premium; low premium to carry; death benefit/premium guarantees.

First Colony Life Life Two (R)

Programmed increases; term alternative; riders; “uninsurable”coverage.

General American Life American Vision JSUL (01)

Death benefit/premium guarantees; low premiums to endow; maximum death benefits; impaired risks.

Indianapolis Life Horizon SUL 2001

Death benefit/premium guarantees; minimum premium to carry; underwriting; choice of ratings.

Jefferson Pilot Life Duet 300

Death benefit/premium guarantees; extended maturity; low premium to carry; broad/favorable underwriting; rolling target premiums.

John Hancock Life Performance SUL

Extended maturity; death benefit/premium guarantees; long term values; rolling target premium; term blending.

John Hancock Life Universal Life Estate Protection

Extended maturity; death benefit/premium guarantees; low premiums.

Lincoln National Life SUL-LPR II

Death benefit/premium guarantees; flexibility; business applications; liquidity.

Lincoln National Life SUL-DB

Low endowment premium; low premium to carry; business applications.

Manufacturers Life (USA) Survivorship UL

Death benefit/premium guarantees; maximum death benefit.

Massachusetts Mutual Life Survivorship UL Guaranteed

Death benefit/premium guarantees; broad underwriting classes; extended maturity.

Massachusetts Mutual Life Survivorship UL 10

Short term policy; death benefit/premium guarantees; broad underwriting classes; convertible policy.

Massachusetts Mutual Life Survivorship UL

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

Massachusetts Mutual Life Pension Survivorship UL

Maximum death benefits; broad underwriting; living benefits; long term values; qualified markets.