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 Protector Survivor G

Minimum premium long term guarantee; maximum death benefits

AIG American General Life Platinum Survivor Ultra 2004

Low premium to carry; maximum death benefits; supplemental coverage

AIG American General Life Platinum Survivor Ultra-G

Death benefit guarantees; maximum retirement income; maturity extension

AmerUs Life Ultimate Survivor Series III

Flexibility

AXA Equitable Life Athena SUL II

Death benefit guarantees; low premium to carry; riders

Bankers Life of NY Survivorship Solution

Minimum premium to carry; underwriting

Banner Life Survivor Life

Death benefit guarantees to age 100; underwriting expertise; long term guarantees; maximum death benefits

First Colony Life Lifetime Provider (SM) SUL

Death benefit guarantee to age 100; business applications; rolling target

Indianapolis Life Horizon SUL 2001

Minimum premium to carry

ING “Reliastar Life” ING GPSUL

Death benefit guarantee to lifetime; table ratings dropped after year 20; table shaving

ING “Security Life of Denver” GSUL

Death benefit guarantee to lifetime

ING “Security Life of Denver” ING Explorer Survivorship UL

Long term cash accumulation; maximum retirement income

Jefferson-Pilot Life Duet 300 Plus

Extended maturity; low premium to carry; broad/favorable underwriting; built-in guaranteed death benefit

Jefferson-Pilot Life JPF 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 USA Survivorship UL-G

Lifetime death benefit guarantee; rider flexibility

Lincoln National Life SUL LPR 6

Lifetime death benefit guarantee; flexibility

Lincoln National Life SUL DB

Low premium to carry; estate planning; estate equalization

Massachusetts Mutual Life Prestige Survivorship UL

Qualified markets; low cash value; broad underwriting; living benefits; long term values

Massachusetts Mutual Life Survivorship UL 10

Short term needs; low cost 10-year death benefit guarantee; broad underwriting classes

Massachusetts Mutual Life Survivorship UL+

Low endowment premium; low premium to carry; high cash value; maximum retirement income; broad/favorable underwriting

Massachusetts Mutual Life Survivorship UL Guaranteed

Lifetime death benefit guarantee; broad underwriting classes

MetLife Legacy Advantage SUL

Current assumption sales; death benefit guarantee; premium financing

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

Northwestern Mutual Life SUL

Long term values

New York Life NYLIAC SUL

Low endowment premium; maturity extension; death benefit guarantees; expanded underwriting classes; business applications; living benefits rider

Pacific Life 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; large assortment of riders.

Principal Life Survivorship UL

Maturity extension; death benefit guarantee; accumulation values; standard, substandard & rated

Protective Life Survivor Select UL III

Full lifetime death benefit guarantee

Prudential Financial Life PruLife SUL Protector

Flexible death benefit guarantee up to lifetime; guaranteed duration premium solves; underwriting; maturity extension

Prudential Financial Life PruLife SUL Plus

Minimum premium to endow; premium finance using death benefit option C; underwriting; maturity extension

Security Mutual Life of NY Estate Conserver UL Gold

Low premium to endow & carry; broad/favorable underwriting; impaired risks; attractive target premiums

State Farm Life Second to Die

Death benefit & accumulation sales

Sun Life of Canada Survivorship UL – Plus

Flexibility; business applications; riders

Sun Life of Canada SUL – LP2

Guaranteed death benefits to age 100; flexibility; riders

Union Central Life Excel Survivor

Death benefit sales; accumulation sales

US Life of NY (AIG Co.) Survivorship Premier

Death benefit guarantee to age 100 (NY); maximum retirement income

West Coast Life Golden Legacy Protector IV

Secondary guarantees; extended maturity; rolling target premium

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 Millennium Series SVUL

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” Estate Designer

High early cash value; death benefit option 3; unlimited transfers

ING “Security Life of Denver” Variable SUL

Lifetime death benefit guarantee; long term accumulation

Jefferson Pilot 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 USA Survivorship VUL

Low premium solves; lifetime death benefit guarantee; term rider; preferred to age 90

Lincoln Benefit Life Consultant SL

Full death benefit guarantee; low premium to carry; long term values

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 Guard(SM)

Flexible low cost lifetime guarantee death benefit; accumulation values

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

MetLife Travelers VSL II

Death benefit guarantees; maximum death benefits; low premium to endow

MetLife NE Financial Zenith SL 2002

Low endowment premium; maximum death benefits; impaired risk

Midland National Life Survivorship VUL

High cash accumulation; death benefit guarantee to age 100; maximum retirement income

Nationwide Life Best of America Next Generation SVUL

Cash accumulation; income distribution; low expenses

Nationwide Life Best of America Protection SVUL

Death benefit guarantees; low endowment premiums; low premium to carry; broad underwriting

New York Life NYLIAC SVUL

Low endowment premium; high cash value; broad favorable underwriting; accumulation sales

Pacific Life Select Estate Preserver V

Maximum death benefits; maximum retirement income; accounting benefit rider; death benefit guarantee; maturity extension

Penn Mutual Life Variable Estate Max III

Low premium to endow & carry; long term values; full death benefit guarantee; riders

Phoenix Life Phoenix Edge SVUL

Three policy DB 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 premium to endow & carry; broad underwriting

Prudential Financial Life SVUL

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

Western Reserve Life Freedom Wealth Protector

Death benefit guarantee; broad/favorable underwriting; long term values

Guardian Life EstateGuard

Increasing dividends & cash values at first death; flexibility; riders

John Hancock Life Level Premium Estate Protection

Riders; broad/favorable underwriting; high issue ages

Massachusetts Mutual Life Survivorship WL

High term blendability; cash value accumulation; business applications

Massachusetts Mutual Life Survivorship WL Protector

Low premiums; increase in cash values at first death

New York Life Survivorship WL

Expanded underwriting classes; broad/favorable underwriting; ability to optimize cash accumulation

Northwestern Mutual Life Joint CompLife

Flexibility; term blending