SVL Product Design Objectives

American General Life (AIG Co.) Platinum Investor Survivor II

Target Premiums; No-Lapse Guarantees; Maximum Retirement Income.

Ameritas Life Overture Bravo!

High Cash Value; Maximum Retirement Income; Broad/Favorable Underwriting.

Equitable Life Survivorship Incentive Life 02

Low Premium to Carry; Flexibility; Riders.

General American Life Zenith SL 2002 (issued by NE Life)

Low Endowment Premium; Competitive Death Benefit Internal Rate of Return.

Jefferson Pilot Life Ensemble SL

Low Endowment Premium; Low Premium to Carry; High Cash Value; Maximum Retirement Income.

Lincoln National Life SVUL-III

Low Premium to Endow; No-Lapse Guarantees; Extended Maturity.

Manufacturers Life (U.S.A.) Venture Survivorship VUL

Premium Solves; Secondary Guarantees; Term Rider; Preferred Rates to Age 90.

Massachusetts Mutual Life Survivorship Variable Universal Life II

Full Death Benefit Guarantee to age 100; Low Endowment and Carry Premium; High Cash Value; Maximum Retirement.

Midland National Life Survivorship (SVUL)

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

New England Financial Zenith Survivorship Life 2002

Low Endowment Premium; Competitive Death Benefit Internal Rate of Return; Older Ages.

Nationwide Financial Best of America Protection SVUL

Maximum Death Benefits; Death Benefit Guarantees; Low Endowment and Carry Premium.

Nationwide Financial Best of America Next Generation SVUL

Cash Accumulation; Income Distribution; Low Expenses.

New York Life NYLIAC Survivorship VUL

Low Endowment Premium; High Cash Value; Broad Favorable Underwriting; Riders.

Penn Mutual Life Variable Estate Max III

Low Endowment Premium; Low Premium to Carry; Long-Term Values; Full Death Benefit Guarantee; Riders.

Phoenix Life Phoenix Edge SVUL

Three Policy Options; Banded COI Rates; Guaranteed Death Benefits; Flexibility.