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Survivorship Whole Life Design Objectives

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Guardian Life EstateGuard
Increasing Dividends and Cash Values at First Death; Flexibility; Riders.

Manufacturers Life (USA) Survivorship Life (TMS97)
Term Blendability; Low Premiums.

Massachusetts Mutual Life Survivorship Whole Life Protector
Guarantees; Low Premiums; Increase in Cash Value and Death Benefit at First Death.

Massachusetts Mutual Life Survivorship Whole Life (SWL)
High Term Blendability; Business Applications.

New York Life Survivorship Whole Life
Expanded Underwriting Classes; Flexibility and Customization; Tax-qualified Plans.

Northwestern Mutual Life Joint CompLife
Flexibility from Term-Like to Fully Guaranteed; Term Blending.

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.