AIG American General Life Platinum Investor FlexDirector

High Early Surrender Values; High Target Premium; Death Benefit Sales.

AIG American General Life Platinum Investor III

High Issue Age; High Target Premiums; Policy Features; Maximum Retirement Income.

AIG American General Life Platinum Investor Plus

High Issue Age; High Target Premiums: Rolling Targets; Policy Features; Maximum Retirement Income.

Ameritas Variable Life Overture Viva!

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

Ameritas Variable Life Overture Ovation!

Accumulation Sales; Long-Term Values; Income; Lifetime Death Benefit Guarantee.

AXA Equitable Life Incentive Life 02

Low Premium to Carry; Maximum Retirement Income; Accumulation Values.

General American Life American Vision VUL 2002

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantees to Age 100; Additional Riders/Features.

Guardian Life Park Avenue VUL

Low Premium to Carry; Maximum Cash Values; Maximum Retirement Income.

Guardian Life Park Avenue Life

Cash Value Accumulation; Guaranteed Death Benefit to Age 100; Policy Exchange.

ING Reliastar Life ING Protector Elite

Third Death Benefit Option; Minimum Premium to Carry & Endow; Maximum Death Benefits; Simplified Fees.

ING Reliastar Life ING Investor Elite

Cash Value Accumulation; Maximum Retirement Income; Compensation Options.

ING Security Life of Denver Asset Portfolio Manager

High Cash Value; Maximum Retirement Income; Long-Term Values; Low Premium to Endow & Carry.

ING Security Life of Denver Strategic Investor

High Cash Value; Maximum Retirement Income; Long-Term Values; Low Premium to Endow & Carry.

Jackson National Life Perspective Investor VUL

Maximum Retirement Income; Long-Term Values.

Jefferson Pilot Financial Ensemble EXEC

Lifetime Death Benefit Guarantee; Third Death Benefit Option.

Jefferson Pilot Financial Ensemble III 2002 STG

Low Premium to Carry; Broad/Favorable Underwriting; Long-Term Values; Maximum Retirement Income; Death Benefit Guarantees to Age 100.

Jefferson Pilot Financial Ensemble Protector

Low Premium to Endow; Death Benefits Sale.

Jefferson Pilot Financial Ensemble Accumulator

Long-Term Cash Values; Distributions at TAMRA Levels.

John Hancock Life Medallion VUL Edge II

Long-Term Values; Long-Term Death Benefit Guarantees; Premium Solves; LifeCare Benefit.

John Hancock Life Medallion VUL Plus

Death Benefit Guarantees; High Early Values.

Lincoln Benefit Life Consultant Accumulator

Accumulation Sales; High Cash Values; Maximum Retirement Income; 20-year Guaranteed Death Benefit; Low M&E; Short Surrender Charge Period; Long-Term Value.

Lincoln Benefit Life Consultant Protector

Death Benefit Sales; 20-year Guaranteed Death Benefit; Low Premium to Endow; Low Premium to Carry; Low Cost of Insurance Charges; Long-Term Value.

Lincoln National Life VUL CV III

Maximum Cash Values; Maximum Income; Death Benefit Guarantees; Business Applications; Accumulation Sales.

Lincoln National Life VUL-DBII

Maximum Death Benefits; Low Premiums; Flexibility.

Lincoln National Life VUL ONE

Death Benefit Guarantees; Death Benefit Sales; Cash Accumulation; Low Endow Premium.

Manufacturers Life (U.S.A.) Venture VUL Protector

Premium Solves; Death Benefit Guarantees to Age 100; Smoker Incentive.

Manufacturers Life (U.S.A.) Venture VUL Accumulator

Flexibility; Maximum Death Benefits; Cash Value Accumulation; Compensation Options.

Massachusetts Mutual Life Variable Universal Life II

Low Premium to Carry; Death Benefit Guarantees; Riders.

Massachusetts Mutual Life VUL Guard (SM)

Lifetime Guarantee Death Benefit; Accumulation Values.

Midland National Life Premier VUL 1.1

Maximum Income; Low Premium to Endow; Maximum Cash Values.

Midland National Life Foundation VUL 1.1

Maximum Income; Long-Term Death Benefit Guarantees; Enhanced Dollar Cost Averaging.

Midland National Life Advisor VUL

Early Cash Values; Liquidity; No Premium Load; Business Applications.

MONY Life (AXA Equitable) MONY VUL

Banded COIs; Strong Accumulation Results and Maximum Income Solves; Full Complement of Additional Riders.

National Life VariTrak II

Low Sales Charges; Living Benefit Riders; Death Benefit Guarantee.

Nationwide Financial Life Protection FPVUL

Strong Death Benefit Guarantees; Low Premium to Endow & Carry; Favorable Underwriting.

Nationwide Financial Life Next Generation FPVUL

High Cash Values; Maximum Retirement Income; Favorable Underwriting.

New England Financial Zenith Flexible Life 2002

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantees to Age 100; Additional Riders/Features.

New York Life NYLIAC VUL Provider

Nonqualified Deferred Compensation; Maximum Retirement Income; Liquidity.

New York Life NYLIAC VUL 2000

Higher Funding; Third Death Benefit Option; Maximum Income.

New York Life NYLIAC Pinnacle VUL

No Surrender Charges; Long-Term Values; Higher Funding Levels; Business Applications; High Retention Limit.

Northwestern Mutual Life Variable CompLife

Full Death Benefit Guarantee; High Cash Value; Long-Term Values.

Ohio National Life Growth Perspective VUL

Accumulation and/or Income Sales; Long-Term Values.

Pacific Life Select Exec II

Maximum Retirement Income; Maximum Death Benefits; Riders.

Penn Mutual Life Cornerstone VUL IV

Low Premium to Carry & Endow; Cash Value Accumulation; Maximum Retirement Income.

Phoenix Life Edge VUL

Cash Value Accumulation; Maximum Income; Riders; Death Benefit Guarantees; 3 Policy Options; Premium Solves.

Phoenix Life Individual Edge 03

Low First-Year-Only Admin. Charge; Guaranteed M&E Reduction; Three Death Benefit Guarantee Options; Trail Commissions; Riders.

Principal Life VUL Accumulator II

High Accumulation Values; High Target Premiums; Death Benefit Guarantees; Business Applications.

Principal Life VUL Income

Maximum Retirement Income; Accumulation Values.

Protective Life Premiere Protector

Low Premium to Endow; Long-Term Values.

Protective Life Premiere II

Long-Term Cash Value; Maximum Retirement Income; Death Benefit Guarantees to Lifetime.

Prudential Financial PruLife Custom Premier II

Premium Flexibility; Maximum Retirement Income; Long-Term Values; Low Premium to Endow.

State Farm Life Flexible Choice Life

Death Benefit Sales; Accumulation Sales; Low Expenses.

Sun Life of Canada (U.S.) Futurity Accumulator II VL

Low Expenses; Death Benefit Guarantee; Maximum Retirement Income.

Sun Life of Canada (U.S.) Futurity Protector II VUL

Term Blending; Death Benefit Guarantee; Rolling Target; Low Expenses; Maximum Retirement Income.

TIAA-CREF Life Variable Universal Life

Low Premium to Endow; Low Subaccount Expenses; Noncommissionable.

Transamerica Occidental Life TransAccumulator VUL

Death Benefit Guarantees; Riders.

Travelers Life Variable Life Accumulator

Maximum Retirement Income; Extended Maturity; High Target Premiums.

Travelers Life Travelers Variable Life

Low Premium to Endow & Carry; Extended Maturity.

Union Central Life Excel Accumulator VUL

Cash Value Accumulation; Maximum Retirement Income; Low Expenses; Return of Premium Option; Term-Blending.

United States Life of NY (AIG Co) USL Platinum Investor Plus

High Issue Age; High Target Premiums; Policy Features; Maximum Retirement Income.

Western Reserve Life WRL Xcelerator

Short Surrender Period; Long-Term Values; Low Expenses.


Reproduced from National Underwriter Edition, December 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.