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Life Health > Life Insurance

Product Design Objectives

By Staff Writer

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Acacia Life (UNIFI Co.) Flex-Account Ultra

Death Benefit & Accumulation Sales; Long-Term Values; Maximum Retirement Income; Living Benefits

AIG American General Life ContinUL Extend

Death Benefit Guarantees; Return of Premium; Term Blending; Preferred Loans; Low Guarantee Premiums

AIG American General Life Elite UL 2003

Low Premium to Carry; Maximum Cost Death Benefits; Minimum Level Premium Solves

AIG American General Life Elite UL-G 2003

Lifetime Death Benefit Guarantee; Maximum Death Benefits; Low Premium to Carry; Limited Payment Scenarios

AIG American General Life Platinum Protector G

Maximum Death Benefits; Term Alternative; Full Death Benefit Guarantee

AIG American General Life Platinum Provider Ultra 2003

Low Premiums; Death Benefits; Business Applications; Supplemental Insurance Blending

AmerUs Life Patriot Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider

AXA Equitable Life Athena UL II

Term Alternative; Premium Financing; Lifetime No-Lapse Guarantee

Bankers Life of New York Capital Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider

Banner Life Continuity Lifetime UL

Lifetime Guarantee Premiums; Low Mortality Costs

Conseco Life Asset Builder

Commissions Paid on Face Increases & Substandards; Crediting Rate Bonus

First Colony Life Lifetime Protector Flex (SM)

Maximum Death Benefits; Flexible Death Benefit Guarantees

First Colony Life Lifetime Protector 50+ (SM)

Term Alternative; Designed for Ages 50+; Lifetime Death Benefit Guarantee

Guardian Life UL Protector

Lifetime Death Benefit Guarantee; Death Benefit Sales

Guardian Life UL Accumulator

Accumulation Sales

Indianapolis Life Crown Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider

ING “Reliastar Life” ING Protector UL

Low Premium to Endow & Carry; Death Benefit Sales; ERISA Sales

ING “Reliastar Life” GPUL

Lifetime Death Benefit Guarantee

ING “Reliastar Life” ING Capital Accumulator

Cash Value Accumulation; Long-Term Values; Maximum Retirement Income; Premium Financing

ING “Security Life of Denver” Strategic Accumulator

Accumulation Sales; High Early Cash Values; Short Payment Scenarios; 1035 Exchanges

ING “Security Life of Denver” LDGUL

Term Blendability; Ages 55+; 1035 Rescue; Short Pay Scenarios; Up to Lifetime DB Guarantee

ING “Security Life of Denver” Explorer UL

Long-Term Performance; Guaranteed Issue 10+ Lives; Premium Financing; Business Applications; Guaranteed Issue Option

Jackson National Life Generations UL

Death Benefit Sales; Lifetime Death Benefit Guarantee

Jefferson-Pilot Life JPF Legend 400

Maximum Retirement Income; Extended Maturity; Riders; Living Benefit; High Funding

Jefferson-Pilot Life JPF Legend 3000

Low Premium to Carry; Death Benefit Sales; Accumulation Sales; Long-Term Values

Jefferson-Pilot Life JPF Legend 300 XG?

Maximum Death Benefits; No Maturity Date; Low Premium to Carry; Living Benefit; Preferred Loans Past Age 100

Jefferson-Pilot Life JPF Legend 300 Plus?

Death Benefit Guarantee to Age 100; No Maturity Date; Various Sales Scenarios; Preferred Loans Past Age 100

John Hancock Life Performance UL Core

Accumulation Sales; Maximum Retirement Income; LifeCare Benefits

John Hancock Life Accumulation UL

Living Benefits; Riders; High Early Cash Value; High Targets; Maximum Retirement Income

John Hancock Life (U.S.A.) Protection UL G

Lifetime Death Benefit Guarantee; Term Alternative

Lincoln National Life UL LPR 6

Lifetime Death Benefit Guarantee; Flexibility

Lincoln National Life UL DB 2

Low Endowment Premium; 5-Year No-Lapse Guarantee

Massachusetts Mutual Life UL 2+

Low Premium to Endow & Carry; Accumulation Sales; Long-Term Values

Massachusetts Mutual Life UL Guard (SM)

Lifetime DB Guarantee; Premium Account Allocation

MetLife Universal Advantage UL

Premium Financing; Accumulation Values; Low Premium to Endow; Maximum Income

MetLife Guarantee Advantage UL

Lifetime Death Benefit Guarantee; Low Premium; Term Alternative

Midland National Life Premier UL 4

No Load; Cash Value Accumulation; Bonuses

Midland National Life Innovation UL 2.1

Death Benefit Guarantee to Age 100; Extended Maturity; Low Premium to Carry; Maximum Death Benefits

Midland National Life Executive UL 5.1

Cash Value Accumulation; Maximum Income; Liquidity

Mutual of Omaha Life Priority Max GUL

Flexible Guarantees to Lifetime; Abbreviated Payment Scenarios

National Life NaviTrak II

Living Benefits; 1035 Exchanges; Liquidity

Nationwide Life Legacy Provider UL

Age 100 Death Benefit Guarantee Sales Only

New York Life NYLIAC Accumulator

Cash Value Accumulation; Maximum Retirement Income; Business Applications

New York Life NYLIAC Pinnacle UL AD104

High Face Amounts; No Surrender Charges w/ Front Load; Low COIs; Flexible Riders; Long-Term Performance

New York Life NYLIAC Protector 2005

Business Applications; Term Alternative; Low Premium to Carry; Maximum Death Benefits

North American Life Custom Accumulator

Guaranteed Return of Premium; Cash Value Accumulation; Extended Maturity; Short Surrender Period; Single Premium Asset Reallocation; 1035 Exchanges; Full Spectrum Underwriting

North American Life Custom Extra

Low Cost Death Benefit; No-lapse Guarantees of 5 to 15 Years; Extended Maturity; Low Minimum Face; Various Sales Scenarios; Full Spectrum Underwriting

North American Life Custom Guarantee

Lifetime Death Benefit Guarantee; Dial-a-Guarantee Flexibility; No-Lapse Guarantees; Protected Pour-In; Low Minimum Face Amount; Full Spectrum Underwriting

North American Life Custom TermUL

Term Alternative; Low Premium to Carry to Age 100; Maximum Death Benefits; 10 Year No lapse Guarantee; Extended Maturity Option; Protected Pour-In; Interest Bonus; Full Spectrum Underwriting

Ohio National Life Virtus Value

Low Premium to Carry & Endow; Death Benefit Sales; Accumulation Sales; Long-Term Values

Ohio National Life Virtus 100G

Low Cost Lifetime Death Benefit Guarantee

Pacific Life VersaFlex V

Noncommissionable Term Rider; Lifetime Death Benefit Guarantee; Early Surrender Values; No Maturity Age

Penn Mutual Life Protection Builder

Lifetime Death Benefit Guarantee; Riders

Phoenix Life Protector ULII

Lifetime DB Guarantees; Death Benefit Sales; Guaranteed Limited Pay

Phoenix Life Phoenix Accumulator ULII

Low Premium to Endow & Carry; Accumulation Sales; Various Sales Scenarios; Maximum Income; Long-Term Values

Phoenix Life Phoenix Generations

Lifetime DB Guarantee; Death Benefit Sales

Principal Life UL3

Low Premium to Endow & Carry; High Cash Value; Maximum Retirement Income; Business Applications; COLI; Long-Term Values; Term Alternative

Principal Life UL Protector II

Lifetime Death Benefit Guarantee; Low Premium to Endow & Carry; Broad/Favorable Underwriting

Principal Life UL Accumulator

High Early Cash Value; Maximum Retirement Income; Broad/Favorable Underwriting; COLI; Long-Term Values

Protective Life Protective 100 Plus

High Cash Value Accumulation; Maximum Retirement Income; Long-Term Values

Protective Life Protective Select UL V

Lifetime Death Benefit Guarantee; Low Premium to Guarantee Death Benefit; Death Benefit Sales; Various Sales Scenarios

Prudential Financial Life Universal Protector

“Dialable” Death Benefit; Flexible No-Lapse Guarantee

Prudential Financial Life Universal Plus

Cash Value Accumulation; Persistency Bonus

Security Mutual Life of NY Security Premier UL/Security Premier UL XLC

Low Premium to Endow & Carry; Low Minimum Premium; Long-Term Accumulation; Target Premiums

Security Mutual Life of NY Capital UL

High Early Cash Values; Business Applications; Liquidity; High Accumulation Values

State Farm Life Universal Life

Death Benefit Sales; Accumulation Sales; Liquidity

Sun Life UL Protector – Plus

Various Sales Scenarios; Cash Value Accumulation; Maximum Income

Sun Life UL Protector – LP2

Flexible Death Benefit Guarantee; Automatic Maturity Extension

TIAA-CREF Life Flexible Premium Adjustable Life

Specialty Market; Low Premium to Endow; Low Expenses; Noncommissionable

Union Central Life (UNIFI Co.) Excel Protector

Long-Term Values; Low Premium to Carry

Union Central Life (UNIFI Co.) Excel Provider

Long-Term Death Benefit Guarantees; Maximum Death Benefits

United States Life of NY (AIG Co.) ContinUL Extend NY

Death Benefit Guarantees; Return of Premium; Term Blending; Preferred Loans; Low Guarantee Premiums; Rolling Target

United States Life of NY (AIG Co.) Medalist Premier

Maximum Death Benefits; Business Applications; High Issue Ages; Guaranteed Bonus

United States Life of NY (AIG Co.) Platinum Protector G NY

Low Cost Death Benefits; Term Alternative; Full Death Benefit Guarantee; Premium Solves

West Coast Life LifeTime Platinum 120 LP & 120 S

Lifetime (Age 120) Guarantees; Rolling Target

AIG American General Life Elite Index UL 2004

Death Benefit Guarantee to Lifetime; Guaranteed 100% Participation Rate

AIG American General Life Platinum Provider Ultra 500

No Cap; Riders; High Issue Ages

AmerUs Life Vision Builder Series II

Death Benefit Guarantee to Age 100; Bonus

AmerUs Life Advantage Builder

Guaranteed 100% Participation Rate; High Funding; Guaranteed Death Benefit to Age 100; Interest Bonus

Bankers Life of New York Liberty Solution Plus UL

Guaranteed 100% Participation Rate; High Funding; Guaranteed Death Benefit to Lifetime; Interest Bonus

Bankers Life of New York Empire Solution UL

Guaranteed 100% Participation Rate; High Funding; Guaranteed Death Benefit to Age 100; Interest Bonus

Conseco Life Asset Builder Plus 100% EIAV

90% Participation Rate; Accumulation Sales; No Cap; Fixed Account Option/Blending; Death Benefit Guarantee to Age 85

Indianapolis Life Vista Advantage

Guaranteed 100% Participation Rate; High Funding; Guaranteed Death Benefit to Lifetime; Interest Bonus; Riders

Indianapolis Life Vista Elite Series II

Guaranteed 100% Participation Rate; High Funding; Guaranteed Death Benefit to Age 100; Interest Bonus

Midland National Life XLEC

Nine Index Strategies (four with no cap); Systematic Premium Allocation; High Early Cash Values; No Load; Table Shaving; Business Applications

Midland National Life XLCV

Nine Index Strategies (four with no cap); Systematic Premium Allocation; High Funding Levels; High Target Premiums

National Life Ultra EIUL

Living Benefits; Liquidity; Low Expenses

Old Mutual Financial Network MasterChoice

Age 100 Death Benefit Guarantee; Liquidity; Surrender Charges Waived on Overfunded Amounts

Pacific Life Indexed Accumulator

Accumulation Sales; Overfunding; Bailout Provision; Overloan Protection

Union Central (UNIFI Co.) Excel Performance 500

Maximum Accumulation Values; Maximum Retirement Income; Riders

Western Reserve Life Freedom Equity Index UL

High Cap; Guaranteed Fixed Account

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