Variable Life Product Strengths

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.