Ameritas Life Overture Ovation

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

Ameritas Life Overture Viva

Low Endowment Premium; Low Premium to Carry; Compensation; Maximum Death Benefits.

American General Life (AIG Co.) Platinum Investor III

High Issue Ages; High Target Premiums; Policy Features; Maximum Retirement Income; Maximum Death Benefits.

Columbus Life Pinnacle VUL

Lifetime Death Benefit Guarantee.

Equitable Life Incentive Life 02

Low Premium to Carry; Maximum Retirement Income; Accumulation Values; Maximum Death Benefits.

General American Life American Vision VUL 2002

Maximum Cash Accumulation; Maximum Retirement Income; Age 100 Death Benefit Guarantee; Table Shaving.

Guardian Life Park Avenue VUL Millennium Series

Low Premium to Carry; Maximum Cash Values; Maximum Retirement Income; Return of Premium; Policy Exchange.

Guardian Life Park Avenue Life

Cash Value Accumulation; Guaranteed Death Benefit to Age 100; Policy Exchange.

Jefferson Pilot Financial Ensemble III w/ Short Term Guar.

Low Premium to Carry; Broad/Favorable Underwriting; Maximum Long-Term Values; Maximum Retirement Income; Death Benefit Guarantees up to Age 100.

John Hancock Life Medallion VUL Edge

Secondary Guarantees; Long-Term Values.

John Hancock Life Medallion VUL Plus

Death Benefit Guarantees to Age 100; High Early Values.

Lincoln Benefit Life Consultant VUL/Consultant Protector

Maximum Retirement Income, Broad/Favorable Underwriting; Long-Term Values; Death Benefit Guarantees.

Lincoln Benefit Life Consultant Accumulator

Maximum Accumulation Values; Death Benefit Guarantees.

Lincoln National Life VUL-CVIII

High Cash Values; Maximum Income; Secondary Guarantees to Age 100; Business Applications.

Lincoln National Life VUL-DBII

Death Benefits; Low Premiums; Flexibility.

Manufacturers Life Venture VUL Accumulator

Cash Value Accumulation; Maximum Death Benefits; Commission Options.

Manufacturers Life Venture VUL Protector

Low Premium Solves; Death Benefit Guarantees to Age 100; Smoker Incentive.

Massachusetts Mutual Life Variable Universal Life II

Lifetime Death Benefit Guarantees; Riders; Competitive Premiums.

Midland National Life Advanced VUL

High Early Cash Value; Living Benefits Riders.

Midland National Life Foundation VUL 1.1

Maximum Retirement Income; No Lapse Protection to Age 100; Liquidity; Commission Options.

Midland National Life Premier VUL 1.1

Maximum Retirement Income; Maximum Cash Values; Minimum Premium to Endow.

MONY Life VUL

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

National Life VariTrak II

Death Benefit Guarantees to Age 100; Living Benefits Riders; High Cash Values.

Nationwide Financial Next Generation FPVUL

High Cash Values; Maximum Retirement Income; Favorable Underwriting.

Nationwide Financial Protection FPVUL

Death Benefit Guarantees; Low Premium to Endow; Low Premium to Carry; Favorable Underwriting; Maximum Death Benefits.

New England Financial Zenith Flexible Life 2002

High Cash Values; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantees to Age 100.


New York Life VUL 2000

Maximum Death Benefits; Maximum Retirement Income; Return of Premium.

New York Life VUL Provider

Death Benefits; Maximum Retirement Income; Maximum Funding; Business Applications; Maximum Funding.

Northwestern Mutual Life Variable CompLife

Full Death Benefit Guarantee; High Cash Value; Long-Term Values.

Ohio National Life Vari-Vest Asset Builder

High Cash Value; Maximum Retirement Income; Long-Term Values; Low Expenses.

Pacific Life Pacific Select Exec II

Maximum Retirement Income; Maximum Death Benefits; Business Applications.

Penn Mutual Life Cornerstone VUL IV

Cash Accumulation; Maximum Income Streams; Disability Benefit; Low Premiums to Carry and Endow.

Phoenix Life Phoenix Edge VUL

Death Benefit Guarantees to Age 100+; Riders; Maximum Retirement Income; Cash Value Accumulation.

Phoenix Life Phoenix Individual Edge 02/03

Low Expenses; Riders; Exchangeable.

Principal Life VUL Accumulator II

High Accumulation Values; High Target Premiums; Death Benefit Guarantees; Business Applications.

Protective Life Premiere Provider VUL

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

Protective Life Premiere II VUL

Long-Term Cash Value; Maximum Retirement Income; Death Benefit Guarantees to Lifetime.

Prudential Financial PruLife Custom Premier

Premium Flexibility; Minimum Premium to Endow; Maximum Retirement Income.

ReliaStar Life Flex Design

Maximum Retirement Income; Flexible Riders; 1035 Exchange; Return of Premium.

ReliaStar Life ING Protector Elite

Return of Premium; Issue Classes; Low Premium to Endow and Carry.

Security Life of Denver Asset Portfolio Manager

Maximum 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; Liquidity; Early High Cash Values.

Southland Life Market Dimensions

Death Benefit Guarantee to Age 100; Maximum Retirement Income; Rolling Target Premiums; Extended Maturity.

Sun Life Financial Futurity Accumulator II VUL

Low Expenses; Death Benefit Guarantee; Maximum Retirement Income.

Sun Life Financial Futurity Protector II VUL

Term Blending; Death Benefit Guarantee; Rolling Target; Low Expenses; Maximum Retirement Income.

TIAA-CREF Life Variable Universal Life

Low Premium to Endow; Low Subaccount Expenses; Cash Value Accumulation; No Commission.

Transamerica Occidental Life TransAccumulator VUL

Death Benefit Guarantee to Age 100.

Transamerica Occidental Life TransUltra VUL

Low Premiums; Death Benefit Guarantee.

Travelers Life & Annuity Travelers Variable Life

Low Premium to Endow; Extended Maturity; Built-in Death Benefit Guarantee.

Travelers Life & Annuity Travelers Variable Life Accumulator

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

Union Central Life Excel Choice

Cash Value Accumulation; Maximum Retirement Income; Low Expenses.

United States Life of NY (AIG Co.) Platinum Investor

Maximum Retirement Income; Guarantees.

Western Reserve Life WRL Freedom Elite Advisor

No Surrender Charges; Liquidity.

Western Reserve Life TFLIC/WRL Freedom Elite Builder

High Cash Value; Long-Term Value; Banded Cost of Insurance; No Premium Expense Charges for Higher Face Amount Bands; Great Selection of Variable Sub-account Investment Choices.


Reproduced from National Underwriter Edition, June 23, 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.