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.