The excerpts in this report are a small part of the data in the Full Disclosure software subscription series. Easy-to-use editions cover universal, whole, survivorship and variable life products, and include not only illustrated values but features, costs and, in many cases, actual historical policy performance. Individual editions are $99. Call Blease Research at (877) 864-3833 to find out what the software includes, or see the Web site at www.full-disclosure.com for information and a free demonstration version of Full Disclosure. National Underwriter does not determine which insurance companies and their products appear in Full Disclosure. If you want to see a carrier not mentioned in a Full Disclosure excerpt, ask the company to notify Blease Research.