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Life Health > Life Insurance

Whole Life Policy Design Objectives

By Staff Writer

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Assurity Life LifeScape Whole Life

Balanced objectives; $10,000 minimum face amount; riders

Country Financial Life Executive Whole Life

Cash value accumulation; low premiums

Guardian Life L121

Low premium; IRR on death benefit & guaranteed cash value; high minimum face amount

Guardian Life L99

Long-term performance; Option Q (one year term addition with target face); maximum income; early premium offset; $25,000 minimum face amount

Guardian Life L95

High early cash value; high early dividends; $25,000 minimum face amount

John Hancock Life Protection Whole Life

Nonparticipating policy; fully guaranteed

John Hancock Life LP100

Maximum death benefits; low premium

Lafayette Life Contender 100

Balanced values; premium flexibility

Massachusetts Mutual Life High Early Cash Value

Cash value accumulation; business applications; maximum death benefits; dump-ins/rollovers; term blendability

Massachusetts Mutual Life Whole Life

Cash value accumulation; maximum death benefits; dump-ins/rollovers; term blendability

Metropolitan Life Life Paid Up Age 98

Riders; flexibility; cash values

Mutual Trust Life Covenant

High early cash values; flexibility; term blending; cash value accumulation; 1035 exchanges

National Life NL LifeCare II

Early guaranteed cash values; living benefits; low premiums; included accelerated benefits

National Life NL LifeBuilder

Premium flexibility; maximum death benefits or maximum accumulation values

New York Life AD106 Whole Life

Riders; middle market; term blending; term conversion

Northwestern Mutual Life Select 100

Underwriting; long-term values; nonsmokers

Northwestern Mutual Life Adjustable CompLife

Term blendability; flexibility; dump-ins/rollovers; underwriting

Ohio National Life Prestige Performance Whole Life

Death benefits; long-term accumulation values; 2001 CSO

Ohio National Life Prestige Xcel Whole Life

Cash value accumulation; maximum death benefits; term blending

Penn Mutual Life Whole Life

Flexible riders; business applications

Savings Bank Life of MA Straight Life

Immediate cash values; liquidity; direct sales

Security Mutual Life of NY Customizer WL

Low premiums; maximum death benefits

Security Mutual Life of NY Customizer LP85

Maximum income; survivor benefits; cash value accumulation

State Farm Life Whole Life

Cash value accumulation; maximum death benefits

Union Central Life (UNIFI Co.) Whole Life 98

Flexibility; term blendability; low net-cost loans

Union Central Life (UNIFI Co) Keystone Whole Life

Cash value accumulation; maximum death benefit; term blendability; dump-ins/rollovers; low net cost loans; guaranteed cash value

USAA Life Competitive Whole Life II

Cash value accumulation; no direct recognition; high later IRRs; dump-in premiums; 1035 exchanges

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