UL Policy Design Objectives

Manufacturers Life (U.S.A.) Manulife UL-G 2004

Payment Duration Scenarios; Lifetime Guarantee

Massachusetts Mutual Life (CM Life) UL 2 Guaranteed

Full Death Benefit Guarantee; Broad/Favorable Underwriting

Massachusetts Mutual Life (CM Life) UL 2

Low Premium to Endow; Low Premium to Carry; Accumulation Sales; Long-Term Values

Midland National Life Premier UL 4

No Load; Cash Value Accumulation; Bonuses

Midland National Life Innovation UL 2

Death Benefit Guarantee to Age 100; Extended Maturity; Low Premium to Carry; Maximum Death Benefits

Midland National Life Executive UL 5

Cash Value Accumulation; Maximum Income

Mutual of Omaha Life Priority Max

Lifetime Death Benefit Guarantee; Short Pay Scenarios; Bonus; Cash Values

National Life NaviTrak II

Included Living Benefits; Lifetime Death Benefit Guarantee; Bonus; Long Term Care Rider

Nationwide Life UL 100

Low Premium to Endow; Guaranteed Death Benefit to Age 100

Nationwide Life Nationwide Legacy Provider

Age 100; Death Benefit Guarantee Sales Only

New York Life NYLIAC Protector

Business Applications; Term Alternative; Low Premium to Carry; Maximum Death Benefits

New York Life NYLIAC Accumulator

Cash Value Accumulation; Maximum Retirement Income

New York Life NYLIAC Pinnacle UL AD104

No Surrender Charges w/ Front Load; Low COIs; Flexible Riders; Qualified and Non-Qualified Sales; Long-Term Performance

North American Life Custom TermUL

Term-Alternative; Low Premium to Carry to Age 100; Low Cost Death Benefits; 10 Year No-lapse Guarantees; Extended Maturity Option; Protected Pour-In; Interest Bonus; Full Spectrum Underwriting

North American Life Custom Guarantee

Lifetime Death Benefit Guarantee; Dial-a-Guarantee Flexibility; No-lapse Guarantees; Protected Pour-In; Low Minimum Face Amount; Full Spectrum Underwriting

North American Life Custom Extra

Low Cost Death Benefit; No-lapse Guarantees; Extended Maturity; Low Minimum Face; Various Sales Scenarios; Full Spectrum Underwriting

North American Life Custom Accumulator

Guaranteed Return of Premium; Cash Value Accumulation; Lifetime Coverage; Extended Maturity; Short Surrender Period; Low Cost Net Loans; Single Premium Asset Reallocation; 1035 Exchanges; Full Spectrum Underwriting

Ohio National Life Virtus 100 G

Low Cost Lifetime Death Benefit Guarantee

Ohio National Life Virtus Value

Low Premium to Carry or Endow; Death Benefit Sales; Accumulation Sales; Long-Term Values

Pacific Life Versa-Flex V

Noncommissionable Term Rider; Lifetime Death Benefit Guarantee; Early Surrender Values; No Maturity Age

Penn Mutual Life Protection Builder

Lifetime Death Benefit Guarantee; Riders

Phoenix Life Phoenix Protector ULII

Age 100/Lifetime Death Benefit Guarantees; Death Benefit Sales

Phoenix Life Phoenix Accumulator ULII

Low Premium to Endow; Low Premium to Carry; Death Benefit Sales; Accumulation Sales; Various Sales Scenarios; Income; Long-Term Values

Principal Life UL3

Low Endowment Premium; Low Premium to Carry; High Cash Value; Maximum Retirement Income; Broad/Favorable Underwriting; COLI; Long-Term Values

Principal Life UL Protector

Lifetime Death Benefit Guarantee; Low Endowment Premium; Low Premium to Carry; Broad/Favorable Underwriting

Protective Life Skyline Gold 120

Lifetime (to age 120) Death Benefit Guarantee

Protective Life Protective Custom UL

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

Protective Life Protective Classic UL

Low Endowment Premium; Low Premium to Carry; Death Benefit Sales

Protective Life Protective 100Plus

High Cash Value Accumulation; Maximum Retirement Income; Long-Term Values

Protective Life Protective Select UL II

Lifetime Death Benefit Guarantee; Low Premium to Guarantee Death Benefit; Death Benefit Sales; Various Sales Scenarios

Security Mutual Life of NY Security Premier UL

Low Premium to Endow; Low Premium to Carry; Accumulation Sales; Various Sales Scenarios; Good Long-Term Value; Broad/Favorable Underwriting; Attractive Target Premiums

State Farm Life Universal Life

Death Benefit Sales; Accumulation Sales

Sun Life Sun Universal Protector – LP2

No-lapse Guarantee to 60 Years; Maturity Extension

Sun Life Sun UL Protector Plus

Various Sales Scenarios; Cash Value Accumulation; Income

TIAA-CREF Life Flexible Premium Adjustable Life

Low Premium to Endow; No Surrender Charges; High Crediting Rate

Transamerica Occidental Life TransAce EX

Lifetime Death Benefit Guarantee; Large Face Amounts

Transamerica Occidental Life TransUltra EX

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

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

West Coast Life LifeTime Gold 120

Lifetime (Age 120) Guarantees; Rolling Target

William Penn Life of NY Longevity UL

NY Policy; Lifetime Death Benefit Guarantee Available

Zurich Life Lifetime UL

Flexibility; Available Death Benefit Guarantee

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Reproduced from National Underwriter Edition, October 7, 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.

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