Acacia Life Flex Account Ultra

High Cash Value; Maximum Retirement Income; Living Benefits; Older Markets.

American General Life (AIG Inc.) Platinum Protector G

Low Cost Death Benefits; Term Alternative; Full Death Benefit Guarantee.

American General Life (AIG Inc.) Elite Universal Life G

Lifetime Death Benefit Guarantee; Maximum Death Benefits; Low Premiums to Carry.

American General Life (AIG Inc.) Elite Universal Life

Low Premium to Carry; Low Cost Death Benefits.

American General Life (AIG Inc.) Platinum Provider Ultra G

Death Benefit Guarantee to Age 100; Catch-Up Provision; High Issue Ages.

American General Life (AIG Inc.) Platinum Provider Ultra

Low Premiums; Death Benefits; Business Applications; Term Blending; High Issue Ages.

AmerUs Life Vision Builder Series II

Equity Indexed; Death Benefit Guarantee to Age 100.

AmerUs Life Liberty Builder Series II

Equity Indexed; Death Benefit Guarantee to Age 100; Interest Bonus.

AmerUs Life Freedom ULFlex

Low Face Amounts; Low Premium to Carry; Low Expenses.

AmerUs Life Freedom ULC

Low Cost Death Benefit Protection; Standard Classes; Older Ages; Low Premium to Carry; Death Benefit Guarantee to Age 100.

Banner Life Continuity Lifetime UL

Lifetime Death Benefit Guarantee.

CNA (Valley Forge) Next Step UL

Death Benefit Guarantee to Age 100.

Conseco Life EIUL 3

Equity Indexed; Long Term Values; Blending Between Portfolio Rate and EIUL.

Conseco Life Indexed UL 2

Equity Indexed; Death Benefit Guarantees; Commissionable Face Increase; Commissions on Substandards; Interest Bonuses.

Conseco Life UL

Death Benefit Guarantees; Low Premium to Endow & Carry; Interest Bonuses.

Equitable Athena UL

Term Alternative; Return of Premium Rider; Lifetime Death Benefit Guarantee; Premium Financing.

General American Life Universal Life Secondary Guarantee

Lifetime Death Benefit Guarantee; Low Premium; Flexibility.

Indianapolis Life Vista Elite/Select Series II

Equity Indexed; Death Benefit Guarantee to Age 100; Bonus.

Indianapolis Life Horizon ULFlex 2001

Low Face Amounts; Older Ages; Death Benefit Guarantee to Age 100; Low Premium to Carry.

Indianapolis Life Horizon ULC 2001

Maximum Death Benefits; Older Ages; Standard Classes; Death Benefit Guarantee to Age 100.

Investors Life of North America Univestor UL 10

Middle Market; Rolling Target; Long Term Values; Extended Maturity.

Jackson National Life UL 2

Low Cost Death Benefits; Death Benefit Guarantees; Extended Maturity.

Jefferson Pilot Life Legend 300 Plus

Flexible Death Benefit Guarantees to Age 100; Maturity Extension; Living Benefits.

John Hancock Life Performance UL

High Cash Value; Maximum Retirement Income; Living Benefit; Premium Solves.

John Hancock Life Protection UL

Flexible Death Benefit Guarantees; Low Endowment Premium; Living Benefit.

Lincoln National Life UL LPR

Lifetime Guaranteed Death Benefit.

Lincoln National Life UL DB

Low Endowment Premium; 5-Year No-Lapse Guarantee.

Manufacturers Life (USA) Manulife UL-G

High Early Funding Scenarios; High Targets; Lifetime Death Benefit Guarantee.

Manufacturers Life (USA) Manulife UL-LC

Low Cost Death Benefit Protection.

Massachusetts Mutual Life (CM Life) UL 2 Guaranteed

Lifetime Death Benefit Guarantee.

Massachusetts Mutual Life (CM Life) UL 2

Low Endowment and Carry Premium; Lifetime Death Benefit Guarantee; Third Death Benefit Option.

Midland National Life Premier UL 4

No Loads; High Accumulation Values; Short Term Values; Bonus; Low Premium to Carry; Maturity Extension.

Midland National Life Innovation UL

Low Premium to Carry; Maximum Death Benefits; Pre-funding Discount; Long Term Values; Death Benefit Guarantees to Age 100.

Midland National Life Executive UL 5

Long Term Cash Values; Bonus; Liquidity; Commission Options.

MONY Life UL

Large Face Amounts; Lifetime Death Benefit Guarantee; Maturity Extension; Waiver of Specified Premium Rider.

National Life NaviTrak II

Lifetime Death Benefit Guarantee; Living Benefits.

North American Life Custom Term UL

No-Lapse Guarantees; Low Minimum Premiums; Extended Maturity Option; Underwriting; Minimum Premium to Carry.

Nationwide Provident UL 100

Death Benefit Guarantee to Age 100.

Nationwide Financial Legacy Provider

Full Death Benefit Guarantee; Underwriting.

New York Life NYLIAC Accumulator

Long Term Values; Maximum Retirement Income.

New York Life NYLIAC Pinnacle UL

No Surrender Charges; High Funding; Business Applications; Maturity Extension.

New York Life NYLIAC Protector

Death Benefits; Low Expenses; Low Premiums.

Ohio National Life Virtus 100

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

Ohio National Life Virtus Value

Low Endowment Premium; High Cash Value; Maximum Retirement Income; Long Term Accumulation.

Pacific Life Versa-Flex V

Noncommissionable Term Rider; Lifetime Death Benefit Guarantee; Early Surrender Values; No Maturity Age; High Issue Ages; High Face Amounts.

Penn Mutual Life Protection Builder

Lifetime Death Benefit Guarantee; Riders; Maximum Death Benefits; Maximum Retirement Income.

Phoenix Life Protector UL II

Built-in Lifetime Death Benefit Guarantee; Guaranteed Limited Pay.

Phoenix Life Phoenix Accumulator UL II

Long Term Values.

Principal Life Universal Life (LPR)

Full Death Benefit Guarantee; Low Endowment and Carry Premium; Super Preferred Class; High Face Amounts.

Principal Life UL3

Low Endowment and Carry Premium; High Cash Value; Maximum Retirement Income; Long Term Values; Business Applications.

Protective Life Protective Custom UL

High Cash Value Accumulation; Maximum Retirement Income; Long Term Values; 1035 Loan Transfers.

Protective Life Protective Select UL

Low Premium to Guarantee Death Benefit; Low Endowment and Carry Premium; Flexibility.

Protective Life Protective 100Plus

High Cash Value Accumulation; Maximum Retirement Income; Long Term Values; Interest Enhancements.

Protective Life Protective Classic UL

Low Endowment and Carry Premium; Term Alternative.

Prudential Financial PruLife Universal Plus

Low Endowment Premium; Low Premium to Carry; High Cash Value.

Prudential Financial PruLife Universal Protector

Full Death Benefit Guarantee.

ReliaStar Life Guarantee Premium (GPUL)

Low Premium to Carry; Full Death Benefit Guarantee.

ReliaStar Life Premier Design

Flexible Premium UL; Low Premium to Endow; Term Alternative.

Security Life of Denver Explorer UL

Cash Values; No Maturity; Maximum Retirement Income; Flexibility.

Security Life of Denver ING Asset Leverage

Early Year Cash Values; Maturity Extension; Term Blending; Preferred Tobacco Class.

Security Mutual Life of NY Security UL Plus

Low Endowment and Carry Premium; Long Term Values; Broad/Favorable Underwriting; Attractive Target Premiums.

Southland Life Legacy Protector

Low Cost Death Benefits; Cash Accumulation; Maximum Retirement Income; Favorable Underwriting; Term Alternative.

Southland Life Legacy Provider

1035 Exchanges; Loan Rescues; Low Face Amounts; Low Issue Ages; Favorable Underwriting.

Sun Life Sun Universal Protector LP

Flexible Death Benefit Guarantee to Age 100.

Sun Life Sun Universal Protector Plus

Low Premium to Endow and Carry; Third Death Benefit Option; Age 100 Death Benefit Guarantee; Interest Bonus.

TIAA-CREF Life Flexible Premium Adjustable Life

Low Premium to Endow; No Surrender Charges; High Cash Values.

Transamerica Occidental Life TransUltra EX

Large Face Amounts; Built-in Death Benefit Guarantee; Select Nonsmoking Class.

Transamerica Occidental Life TransAce EX/XL

Lifetime Death Benefit Guarantee; Large Face Amounts.

Travelers Life Travelers MVP

Full Death Benefit Guarantee; Low Endowment and Carry Premium; Broad/Favorable Underwriting.

Union Central Life Excel Protector

Long Term Values; Low Premium to Carry.

United States Life of NY (AIG Co.) Medalist Premier

Maximum Death Benefits; Business Applications; High Issue Ages; Guaranteed Bonus; Lifetime Death Benefit Guarantee.

West Coast Life LifeSpan Gold 120

Lifetime Guarantees; Rolling Targets.

Western Reserve Life Freedom 100

Death Benefit Guarantee to Age 100; Unlimited Catch-Up Provision.

Western Reserve Life Freedom UL II

Low Face Amounts.

Western Reserve Life Freedom Protector II

Long Term Values.

Western Reserve Life Financial Freedom Accumulator

Cash Value Accumulation; Maximum Death Benefits; Bonus; Policy Conversion; Interest Bonus.


Reproduced from National Underwriter Life & Health/Financial Services Edition, September 26, 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.