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Survivorship Universal Life Design Objectives

By Staff Writer

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American General Life (AIG Co.) Elite Survivor
 Low Premiums; Maximum Death Benefit.

American General Life (AIG Co.) Elite Survivor G
 Full Death Benefit Guarantees; Maximum Income; Maximum Death Benefits.

American General Life (AIG Co.) Platinum Survivor Ultra
Low Premiums to Carry; Maximum Death Benefit; Supplemental Coverage.

American General Life (AIG Co.) Platinum Survivor Ultra-G
Death Benefit Guarantees; Maximum Retirement Income; Maturity Extension.

American General Life (AIG Co.) Platinum Protector Survivor G
Minimum Premium Long Term Guaranteed Market; Maximum Death Benefits.

AmerUs Life Ultimate Survivor Series III
 Flexibility.

Banner Life Survivor Life
Death Benefit Guarantees to Age 100; Underwriting.

Equitable Life Athena Survivorship Universal Life
Death Benefit Guarantees; Low Premiums.

First Colony Life Life Two (R)
Flexibility from Term-Like to Fully Guaranteed; One Uninsurable Life; Programmed Increases.

General American Life JSUL(03)
Lifetime No Lapse Guarantee; Maximum Death Benefits; Impaired Risks; Maturity Extension.

Indianapolis Life Horizon SUL 2001
Minimum Premium to Carry; Choice of Ratings; Death Benefit Guarantee.

Jackson National Life JNL Survivorship UL
Maturity Extension.

Jefferson Pilot Life Duet 300
Extended Maturity; Low Premium to Carry; Rolling Target Premium; Long Term Values.

Jefferson Pilot Life Legend Duet 300 Plus
Lifetime Death Benefit Guarantee; Extended Maturity; Low Premium to Carry.

John Hancock Life Performance SUL
Extended Maturity; Secondary Guarantees; Long Term Values; Rolling Target Premium; Term Blending; Premium Solves.

John Hancock Life Protection SUL
Lifetime Death Benefit Guarantees; Maturity Extension; Rolling Target Premiums; Trail Commissions; Disability Payment of Specified Premium Rider.

Lincoln National Life SUL-LPR 5
Flexible Death Benefit Guarantees to Age 100; Maturity Extension; Accounting Value Rider.

Lincoln National Life SUL-DB
Low Premiums to Carry & Endow; Accounting Value Rider.

Manufacturers Life (USA) Survivorship UL
Death Benefit Guarantees; Maximum Death Benefit.

Massachusetts Mutual Life Pension Survivorship UL
Qualified Market; Low Cash Value; Broad Underwriting; Living Benefits; Long Term Values.

Massachusetts Mutual Life Survivorship UL 10
Short Term Policy; Low 10-year Death Benefit Guarantee Premium; Broad Underwriting Classes; Maximum Death Benefits; Policy Exchange.

Massachusetts Mutual Life Survivorship UL
Low Endowment Premium; Low Premium to Carry; High Cash Value; Maximum Retirement Income; Third Death Benefit Option.

Massachusetts Mutual Life Survivorship UL Guaranteed
Lifetime Death Benefit Guarantee; Broad Underwriting Classes; Maturity Extension.

Midland National Life Survivorship Innovation UL
High Issue Ages; Death Benefit Guarantee to Age 100; Table Shaving; Low Premiums to Endow and Carry; Maximum Retirement Income.

MONY Life MONY SUL
Death Benefit Guarantees to Age 100; Maturity Extension; Riders; Policy Loans; Guarantees.

Nationwide Life Legacy Provider SUL
Full Death Benefit Guarantee; Minimum Premium Long Term Guaranteed Sales; Maximum Death Benefits.

New York Life NYLIAC SUL
Low Endowment Premium; Extended Maturity; Secondary Guarantees; Underwriting Classes; Riders; Living Benefits.

Pacific Life Pacific Estate Preserver
Death Benefit Guarantee to Age 120.

Penn Mutual Life Estate Max II
 Low Endowment Premium; Low Premium to Carry; Long Term Values; Full Death Benefit Guarantee; Riders.

Phoenix Life Phoenix Estate Legacy III
Full Death Benefit Guarantee; Low Full Pay and Short Pay Endowment Premium; Flexibility; High Cash Value.

Principal Life Survivorship UL
Substandard Insureds; Cash Value Accumulation; Death Benefit Guarantee.

Protective Life Protective Survivor Select UL
Full Death Benefit Guarantee; Living Benefits; Estate Protection Endorsement.

Prudential Financial SUL Protector
Flexible Death Benefit Guarantee to Lifetime; Single Premium; Guaranteed Duration Premium Solves: Lump Sums.

Prudential Financial SUL Plus
Minimum Premium to Endow; Return of Premium DB Option.

Security Mutual Life of NY Estate Conserver UL Gold
Low Endowment Premium; Low Premium to Carry; Broad/Favorable Underwriting; Target Premiums.

Sun Life Sun SUL LP
Flexible Guaranteed Death Benefits to Age 100; Policy Flexibility.

Sun Life Sun SL Plus
Flexibility; Business Applications; Riders.

Transamerica Occidental Life TransAce Survivor Life XL
Flexible Death Benefit Guarantees to Age 100; Older Ages; Larger Face Amounts.

Transamerica Occidental Life TransSurvivor EX
Death Benefit Guarantee to Age 100; Third Death Benefit Option; Banded Rates & Charges.

Transamerica Occidental Life TransAce Survivor Life EX
Full Death Benefit Guarantee; Older Ages; Higher Face Amounts.

Travelers Life Travelers Survivorship Life
Low Premium to Carry; Low Endowment Premium; Death Benefit Guarantees.

Union Central Life Excel Survivor
Uninsurable Client; Death Benefit Increase Rider.

US Life of NY (AIG Co.) Survivorship Premier
Initial 5 Year No-Lapse Provision; Death Benefit Guarantees to Age 100; Death Benefit Guarantees for NY State; Maximum Retirement Income.

Reproduced from National Underwriter Edition, January 16, 2004. Copyright 2004 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.