AIG American General Life Elite Survivor 2004

Low Premium to Carry; Maximum Death Benefit; Return of Premium Option; Rolling Targets

AIG American General Life Elite Survivor G

Full Death Benefit Guarantees; Maximum Income; Rolling Targets

AIG American General Life Platinum Survivor Ultra-G

Death Benefit Guarantees; Maximum Retirement Income; Maturity Extension

AIG American General Life Platinum Survivor Ultra 2004

Low Premium to Carry; Maximum Death Benefits; Supplemental Coverage

AIG American General Life Platinum Protector Survivor G

Minimum Premium Long-Term Guarantee Market; Maximum Death Benefits

AmerUs Life Ultimate Survivor Series III

Flexibility

AXA Equitable Life Athena Survivorship Universal Life II

Death Benefit Guarantees to Age 100; Low Premium to Carry; Riders

Banner Life Survivor Life

Death Benefit Guarantees to Age 100; Underwriting Expertise; Maximum Death Benefits

Bankers Life of NY Survivorship Solution

Minimum Premium to Carry; Underwriting

Companion Life (Mutual of Omaha Co.) Priority Survivor II

Low Cost Death Benefit Guarantee

First Colony Life Lifetime Provider (SM) SUL

Death Benefit Guarantee to Age 100; Business Applications; Rolling Target

General American Life JSUL (05)

Lifetime No-Lapse Guarantee; Maximum Death Benefits; Impaired Risks; Maturity Extension

Indianapolis Life Horizon SUL 2001

Low Premium to Carry; Underwriting

ING “Reliastar Life” ING GPSUL

Death Benefit Guarantee to Lifetime; Table Ratings Dropped After Year 20; Table Shaving

ING “Security Life of Denver” ING Explorer Survivorship Universal Life

Long-Term Cash Accumulation; Maximum Retirement Income

Jefferson-Pilot Life Duet 300 XG

Low Cost Flexible Guarantees; Prepayment & Catch-Up on Guarantee

Jefferson-Pilot Life Duet 300 Plus

Extended Maturity; Low Premium to Carry; Broad/Favorable Underwriting; Built-In Guaranteed Death Benefit

Jefferson-Pilot Life Duet 300

Extended Maturity; Low Premium to Carry; Rolling Target Premium; Long-Term Values

John Hancock Life Performance SUL

Extended Maturity; Secondary Guarantees; Long-Term Values; Rolling Target Premium; Term Blending

John Hancock Life (USA) Survivorship UL-G

Lifetime Death Benefit Guarantee; Rider Flexibility

Lincoln National Life SUL DB

Low Premium to Carry; Accounting Value Rider; Business Applications

Lincoln National Life SUL LPR 6

Lifetime Death Benefit Guarantee; Flexibility

Massachusetts Mutual Life Survivorship UL Guaranteed

Lifetime Death Benefit Guarantee; Broad Underwriting Classes

Massachusetts Mutual Life Survivorship Universal Life+

Low Endowment Premium; Low Premium to Carry; High Cash Value; Maximum Retirement Income

Massachusetts Mutual Life Survivorship Universal Life 10

Short-Term Needs; Low Cost 10-Year Death Benefit Guarantee; Broad Underwriting Classes

Massachusetts Mutual Life Prestige Survivorship UL

Qualified Markets; Low Cash Value; Broad Underwriting; Living Benefits; Long-Term Values

Midland National Life Survivorship Innovation UL

High Issue Ages; Death Benefit Guarantee to Age 100; Table Shaving; Low Premium to Endow & Carry

Nationwide Life Legacy Provider SUL

Full Death Benefit Guarantee to Age 100; Low or no Cash Values

New York Life NYLIAC SUL

Low Endowment Premium; Maturity Extension; Death Benefit Guarantees; Expanded Underwriting Classes; Business Applications: Living Benefits Rider

Pacific Life Pacific Select Estate Preserver II

Flexible Long-Term Guarantees; High Early Cash Values; Accounting Benefit Rider; Accumulation Sales; Flexible Target Premiums

Penn Mutual Life Estate Max II

Low Endowment Premium; Low Premium to Carry; Long-Term Values; Full Death Benefit Guarantee; Riders

Phoenix Life Phoenix Estate Legacy III

Full Death Benefit Guarantee; Low Premium to Endow & Carry; Broad Underwriting; Flexibility

Principal Life Survivorship Universal Life

Maturity Extension; Death Benefit Guarantee; Accumulation Values; Standard, Substandard & Rated

Protective Life Protective Survivor Select UL II

Lifetime Death Benefit Guarantee; Riders

Prudential Financial Life PruLife SUL Plus

Minimum Premium to Endow; Premium Finance Using Death Benefit Option C; Underwriting; Maturity Extension; Rolling Target

Prudential Financial Life PruLife SUL Protector

Death Benefit Guarantee to Lifetime; Guaranteed Duration Premium Solves; Underwriting; Maturity Extension; Short Pay Scenarios

Security Mutual Life of NY Estate Conserver UL Gold

Low Premium to Endow & Carry; Broad/Favorable Underwriting; Impaired Risks; Target Premiums

State Farm Life Second to Die

Death Benefit Sales; Accumulation Sales

Sun Life of Canada Sun SUL-LP2

Guaranteed Death Benefits to Age 100; Flexibility; Riders

Sun Life of Canada Sun SUL-Plus

Flexibility; Business Applications; Riders

Travelers Life Travelers Survivorship Life

Low Premium to Carry; Low Premium to Endow; Death Benefit Guarantees; Limited Pay Scenarios

Union Central Life Excel Survivor

Death Benefit Sales; Accumulation Sales

United of Omaha (Mutual of Omaha Co.) Priority Survivor II

Low Cost Guaranteed Death Benefits

US Life of NY (AIG Co.) Survivorship Premier

Death Benefit Guarantee; Death Benefit Guarantees to Age 100 (NY); Maximum Retirement Income

West Coast Life Golden Legacy Protector IV

Death Benefit Guarantees; Extended Maturity; Rolling Target Premium

Survivorship VL Strengths

AIG American General Life Platinum Investor Survivor II

Target Premiums; Death Benefit Guarantees; Maximum Retirement Income; Maturity Extension; Return of Premium

Ameritas Variable Life Overture Bravo!

High Cash Value; Maximum Retirement Income; Broad/Favorable Underwriting

AXA Equitable Life Survivorship Incentive Life 02

Low Premium to Carry; Estate Tax Repeal Rider

Guardian Life Park Avenue SVUL-Millennium Series

Policy Exchange; Death Benefit Option 3

ING “Reliastar Life” Variable Accumulation Design

Maximum Income Distribution; High Target Premiums; Flexible Riders; Cash Accumulation

ING “Security Life of Denver” Variable SUL

Lifetime Death Benefit Guarantee; Long-Term Accumulation

ING “Security Life of Denver” Estate Designer

High Early Cash Value; Death Benefit Option 3; Unlimited Transfers

Jefferson Pilot Financial Life JPF Ensemble SL

Low Endowment Premium; Low Premium to Carry; High Cash Value; Maximum Retirement Income; Rolling Target

John Hancock Life Performance SVUL

Short Pay Premium Solves; Low Premium to Endow

John Hancock Life (USA) Survivorship VUL

Low Premium Solves; Lifetime Death Benefit Guarantee; Term Rider; Preferred to Age 90

Lincoln National Life SVUL IV

Low Premium to Endow & Carry; Death Benefit Guarantees to Age 100; Accumulation Sales; Built In Maturity Extension

Massachusetts Mutual Life Survivorship VUL II

Death Benefit Guarantee to Age 100; Low Premium to Endow & Carry; High Cash Value; Maximum Retirement Income; Broad/Favorable Underwriting

Massachusetts Mutual Life Survivorship VUL Guard(SM)

Flexible Low Cost Lifetime Guarantee Death Benefit; Accumulation Values

Midland National Life Survivorship VUL

High Cash Accumulation; Death Benefit Guarantee to Age 100; Maximum Retirement Income

Nationwide Financial Life Best of America Next Generation SVUL

Cash Accumulation; Income Distribution; Low Expenses

Nationwide Financial Life Best of America Protection SVUL

Maximum Death Benefits; Death Benefit Guarantees; Low Premium to Endow & Carry; Broad Underwriting

New England Financial Life Zenith Survivorship Life 2002

Low Endowment Premium; Maximum Death Benefits, Impaired Risk

New York Life NYLIAC SVUL

Low Premium to Endow; High Cash Value; Broad Favorable Underwriting; Accumulation Sales; Riders

Pacific Life Pacific Select Estate Preserver V

Maximum Death Benefits; Maximum Retirement Income; Accounting Benefit Rider; Death Benefit Guarantee; Maturity Extension

Phoenix Life Phoenix Edge SVUL

Three Policy Options; Banded COI Rates; Guaranteed Death Benefits, Flexibility; Riders

Phoenix Life Estate Edge

Low Premium to Endow; Term blending; Cash Value Accumulation; Flexibility; Riders

Principal Life Survivorship VUL

Full Death Benefit Guarantees; Low Endowment Premium; Low Premium to Carry; Broad Underwriting

Prudential Financial Life Survivorship VUL

Minimum Premium to Carry; Underwriting; Maturity Extension; Divorce and Tax Law Change Rider

Sun Life of Canada Futurity Survivorship II VUL

Death Benefit Guarantees; Supplemental Insurance; Rolling Targets

Transamerica Occidental Life TransSurvivor Life VUL

Death Benefit Guarantee

Travelers Life Travelers VSL II

Death Benefit Guarantees; Maximum Death Benefits; Low premium to Endow

Western Reserve Life Freedom Wealth Protector

Death Benefit Guarantee, Broad/Favorable Underwriting, Long-Term Values

Survivorship WL Strengths

John Hancock Life Level Premium Estate Protection

Riders; Broad/Favorable Underwriting; High Issue Ages

John Hancock Life (USA) Survivorship Life (TMS97)

Term Blending & Riders; Low Premiums

Massachusetts Mutual Life Survivorship WL Protector

Low Premiums; Increase in Cash Values at First Death

Massachusetts Mutual Life Survivorship Whole Life

High Term Blendability; Cash Value Accumulation; Business Applications

New York Life Survivorship Whole Life

Expanded Underwriting Classes; Broad/Favorable Underwriting; Cash Value Accumulation with PUAs

Northwestern Mutual Life Joint CompLife

Flexibility; Term Blending; Dividends