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SWL Product Design Objectives

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Guardian Life EstateGuard

Increasing Dividends and Cash Values at First Death; Flexibility Through Riders & Features.

Manufacturers Life (U.S.A.) Survivorship Life (TMS97)

Term Blendability; Low Premiums.

Massachusetts Mutual Life Survivorship Whole Life

High Term Blendability; Broad/Favorable Underwriting; Low Premiums.

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Massachusetts Mutual Life Survivorship Whole Life Protector

Low Premiums; Broad/Favorable Underwriting.

Northwestern Mutual Life Joint CompLife

Term Blendability; Premium Flexibility; Guarantees.

New York Life Survivorship WL

Expanded Underwriting Classes; Flexibility and Customization; Tax-qualified Plans; Level or Mod Premium.

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.