SWL Product Design Objectives

Guardian Life EstateGuard

Flexibility; riders; competitive premiums; cash value increase at first death.

John Hancock Life Level Premium Estate Protection

Riders; broad/favorable underwriting; high issue Ages; term blending.

Manufacturers Life (USA) Survivorship Life (TMS97)

Term blending; low premiums.

Massachusetts Mutual Life Survivorship WL

High term blendability; broad/favorable underwriting; accumulation values; low premiums.

Massachusetts Mutual Life Survivorship WL Protector

Broad/favorable underwriting; low premiums; abbreviated payments.

New York Life Survivorship WL

Expanded underwriting classes; flexibility and customization; tax-qualified plans.

Northwestern Mutual Joint CompLife Premium flexibility; term blending.

Sun Life Financial SWL

Standard insureds; low premiums; abbreviated payments; dividend differentiated classes.


Reproduced from National Underwriter Life & Health/Financial Services Edition, January 27, 2003. Copyright 2003 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.