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.
Phoenix Life Estate Edge
Low Initial Premiums; Death Benefit Guarantee to Age 100; Flexibility.
Principal Life Survivorship VUL
Full Death Benefit Guarantees; Low Endowment Premium; Low Premium to Carry; Broad Underwriting.
Protective Life Premiere Survivor VUL
Low Premium to Endow; Long-Term Values; Maximum Retirement Income.
Prudential Financial Survivorship VUL
Underwriting; Maturity Extension.
RBC Life (formerly BMA) Clarity Survivorship VUL
Low Endowment Premium; Term Blending; Underwriting.
ReliaStar Life Variable Estate Design
Maturity Extension; Maximum Income Distribution.
ReliaStar Life Variable Accumulation Design
Maximum Income Distribution; High Target Premiums; Flexible Riders; Full Death Benefit Guarantee Rider.
Security Life of Denver Variable SUL
Full Death Benefit Extension; High Cash Values; Income Distribution.
Southland Life Survivor Dimensions
Death Benefit Guarantees; Continuation of Coverage; Income Distribution; Standard Rates; Lower Face Amounts.
Sun Life Futurity Survivorship II VUL
No-Lapse Guarantees; Supplemental Insurance; Rolling Targets; Flexibility.
TIAA-CREF Life Last Survivor Flexible Premium VUL
Low Premium to Endow; Low Subaccount Expenses; Noncommissionable.
Transamerica Occidental Life TransSurvivor Life VUL
No Maturity Date.
Travelers Life & Annuity Travelers VSL II
Secondary Guarantees; Maximum Death Benefits; Maximum Retirement Income; Low Premium to Endow.
Western Reserve Life Freedom Wealth Protector (TIFLIC in NY)
Full Death Benefit Guarantee; Maximum Retirement Income; Low Premium to Carry; High Cash Value.
Reproduced from National Underwriter Life & Health/Financial Services Edition, August 25, 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.