Full Disclosure Variable Life Design Objectives

Massachusetts Mutual Life Variable Universal Life II (VUL II)

Low Premium to Carry; Death Benefit Guarantees; Riders

Midland National Life Advisor VUL

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

Midland National Life Foundation VUL 1.1

Maximum Income; Death Benefit Guarantees; Enhanced Dollar Cost Averaging; Compensation Options

Midland National Life Premier VUL 1.1

Maximum Income; Low Premium to Endow; Maximum Cash Values

National Life VariTrak II

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

Nationwide Financial Life Next Generation II FPVUL

High Cash Values; Maximum Retirement Income; Low Loads

Nationwide Financial Life Protection FPVUL

Strong Death Benefit Guarantees; Low Premium to Endow; Low Premium to Carry; Favorable Underwriting; Maximum Death Benefits

New England Financial Life Zenith Flexible Life 2002

Cash Value Accumulation; Maximum Retirement Income; Death Benefit Guarantees to Age 100

New York Life NYLIAC Pinnacle VUL

No Surrender Charges/Front Loaded Design; Long-Term Values; Higher Funding Levels; Business Applications; High Retention Limit

New York Life NYLIAC VUL 2000

Higher Funding; Third Death Benefit Option; Maximum Income

New York Life NYLIAC VUL Provider

Nonqualified Deferred Compensation; Maximum Retirement Income; Liquidity

Northwestern Mutual Life Variable CompLife

Full Death Benefit Guarantee; High Cash Value; Long-Term Values; Participating (VWL) Policy

Ohio National Life Growth Perspective VUL

Cash Value Accumulation; Maximum Income; Long-Term Values

Pacific Life Pacific Select Exec II

Maximum Retirement Income; Maximum Death Benefits; Riders; Two Fixed Accounts

Penn Mutual Life Cornerstone VUL IV

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

Phoenix Life Phoenix Edge VUL

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

Phoenix Life Phoenix Individual Edge 03

Low Expenses; Guaranteed M&E Reduction; Guaranteed Death Benefits; Trail Commissions; Riders; Policy Restructuring

Principal Life VUL Income

Maximum Retirement Income; Accumulation Values; Business Applications

Principal Life VUL Accumulator II

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

Protective Life Premiere II

Long-Term Cash Values; Higher Funding; Maximum Retirement Income; Death Benefit Guarantees to Lifetime

Protective Life Premiere Protector

Low Premium to Endow; Long-Term Values; Long-Term Death Benefits; Death Benefit Guarantee; Policy Value Credit; Directed Expenses

Prudential Financial Life PruLife Custom Premier II

Premium Flexibility; Maximum Retirement Income; Long-Term Values; Low M&E Charges

State Farm Life Flexible Choice

Death Benefit Sales; Accumulation Sales; Low Expenses

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

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; Low Guaranteed Mortality & Expense Charges

TIAA-CREF Life Variable Universal Life

Low Premium to Endow; Low Subaccount Expenses; Noncommissionable; Maximum Cash Values

Transamerica Occidental Life TransUltra VUL

Low Premium to Endow & Carry

Transamerica Occidental Life TransAccumulator VUL

Death Benefit Guarantees; Riders

Union Central Life Excel Accumulator

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 Ages; High Target Premiums; Policy Features; Maximum Retirement Income

Western Reserve Life of Ohio WRL Xcelerator

Short Surrender Period; Long-Term Values; Low Expenses