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Whole Life Policy Design Objectives

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AmerUs Life Independent Choices (ISWL)

Interest Sensitive Whole Life; Guaranteed Interest Rate; Values Indexed to the S&P 500 Index (9.00% cap)

AXA Equitable Life Equitable Whole Life

Term Blending; Flexibility

Bankers Life of NY Landmark Whole Life (ISWL)

Interest Sensitive Whole Life; Fixed or Equity Indexed Accumulation (both 5-year); Guaranteed Interest Rate

Country Financial Life Executive WL

Cash Value Accumulation; Low Premiums

Guardian Life Whole Life Paid-Up at 96

Term Blending; Riders; Historical Performance

Guardian Life WL 100/WL 1000

Riders; Flexibility

John Hancock USA Life Premier Whole Life

Low Premiums; Term Blendability and Riders

John Hancock Life LP100

Maximum Death Benefits; Low Premium

Lafayette Life Contender

Long Term Care Rider; Flexibility; Cash Values; Death Benefits

Massachusetts Mutual Life High Early Cash Value

Cash Value Accumulation; Maximum Death Benefits; Dump Ins/Rollovers; Term Blendability; Business Applications

Massachusetts Mutual Life Whole Life (WL)

Cash Value Accumulation; Generating Death Benefits; Dump Ins/Rollovers; Term Blendability

MetLife L-98

Riders; Flexibility; Cash Values

Mutual Trust Life Covenant

High Early Cash Values; Flexible PUA Rider; Term Blending; Cash Value Accumulation; 1035 Exchanges

National Life LifeCare

Guaranteed Cash Values; Long Term Care; Maximum Death Benefits

New York Life AD 105 Whole Life

Riders; Middle Market; Term Blending; Term Conversion

Northwestern Mutual Life Select 100

Underwriting Expertise; Long-Term Value; Low Premium; Nonsmokers

Northwestern Mutual Life Adjustable CompLife

Term Blendability; Flexibility; Dump Ins/Rollovers; Underwriting Expertise

Ohio National Life Executive Protector Excel (XPXL)

Long Term Accumulation; Death Benefit IRRs; Term Blending; Low Premiums

Penn Mutual Life LifeWise/LifeWise Plus

Flexible Riders; Business Applications

Savings Bank Life of MA Straight Life

Liquidity; Direct Sales; Dividend at End of First Year

Security Mutual Life of NY Customizer 5

Cash Value Accumulation; Term Blendability; Dump-Ins/Rollovers; Premium Flexibility

State Farm Life Whole Life

Cash Value Accumulation; Maximum Death Benefits

Union Central Life Whole Life 98

Flexibility; Term Blendability; Age 55+ Market

USAA Life Competitive Whole Life II

Cash Value Accumulation; No Direct Recognition; High Later IRRs; Dump-In Premiums; 1035 Exchanges


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