Product Design Objectives

AIG American General Platinum Investor VIP

Flexibility; Premium to Endow; Cash Accumulation; Maximum Retirement Income; Guaranteed Minimum Withdrawal Benefit

Ameritas Variable Life Overture Ovation!

Accumulation Sales; Long-Term Values; Income; Lifetime Death Benefit Guarantee

Ameritas Variable Life Protector hVUL

Hybrid Design; Death Benefit Sales; Low Premium; Flexible Lifetime Guaranteed Death Benefit

AXA Equitable Life Incentive Life 02

Low Premium to Carry; Maximum Retirement Income; Accumulation Values

AXA Equitable Life Incentive Life 06

Flexibility; Cash Value Accumulation; Maximum Retirement Income; Riders/Features; Loan Extension Protection

Guardian Life Flexible Solutions VUL

Policy Exchange; Death Benefit Option Three; Riders; Business Applications

Guardian Life Park Avenue Millennium Series

Cash Value Accumulation; Guaranteed Death Benefit to Age 100; Policy Exchange

Hartford Life Stag Protector II VUL

Death Benefit Sales; Various Sales Scenarios

Hartford Life Stag Accumulator II VUL

Accumulation Sales; Income

ING “Reliastar Life” Select Life II

Cash Value Accumulation; Maximum Income; Advanced Markets

ING “Reliastar Life” ING Investor Elite

Cash Value Accumulation; Maximum Retirement Income; Compensation Options

ING “Reliastar Life” ING Protector Elite

Third Death Benefit Option; Minimum Premium to Carry & Endow; Maximum Death Benefits; Simplified Fees

ING “Security Life of Denver” Asset Accumulator VUL

Long-Term Accumulation; Retirement Income; Reducing M&E Charges

ING “Security Life of Denver” Asset Portfolio Manager

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

ING “Security Life of Denver” Strategic Investor

High Early Cash Surrender Values; No Surrender Charges; 20-Year or Lifetime Guarantee

Jackson National Life Ultimate Investor VUL

Maximum Retirement Income; High Early Cash Surrender Values; Long-Term Accumulation

Jackson National Life Perspective Investor VUL

Maximum Retirement Income; Long-Term Values

Jefferson Pilot Financial Ensemble Protector

Low Premium to Endow; Maximum Death Benefits

Jefferson Pilot Financial Ensemble Accumulator

Accumulation Sales; Maximum Income; Long-Term Values

Jefferson Pilot Financial Ensemble EXEC

High Early Cash Values; Three Death Benefit Options; Liquidity; Guaranteed Zero-spread Loans

John Hancock Life Protection VUL Flexible

Death Benefit Guarantees; Premium Solves; LifeCare Benefit

John Hancock USA Life Accumulation VUL

Maximum Retirement Income; Maximum Accumulation Value; Overloan Protection Rider; Riders

Lincoln Benefit Life Consultant Protector

Death Benefit Sales; 20-Year Guaranteed Death Benefit; Low Premium to Endow & Carry; Low COIs; Long-Term Value

Lincoln Benefit Life Consultant Accumulator

High Cash Values; Maximum Retirement Income; 20-Year Guaranteed Death Benefit; Low M&E; Short Surrender Charge Period

Lincoln National Life VUL CV IV

Cash Values; Maximum Income; Business Applications; Accumulation Sales

Lincoln National Life VUL DB IV

Maximum Death Benefits; Low Premium to Endow; Flexibility

Lincoln National Life VUL ONE 2005

Death Benefit Guarantees; Death Benefit Sales; Cash Accumulation; Low Endow Premium; Hybrid VUL/UL Product

Massachusetts Mutual Life VUL Guard(SM)

Lifetime Guarantee Death Benefit; Accumulation Values; Death Benefit Option Four

Massachusetts Mutual Life VUL II

Low Premium to Carry; Death Benefit Guarantees; Riders

MetLife Equity Advantage VUL

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantee to Age 85; Riders/Features

MetLife (General American Life) American Vision VUL 2002

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantees to Age 100; Additional Riders/Features

MetLife (New England Financial) Zenith Flexible Life 2002

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantees to Age 100; Additional Riders/Features

Midland National Life Premier VUL 1.1

Maximum Income; Low Premium to Endow; Maximum Cash Values; Commission Options

Midland National Life Foundation VUL 1.1

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

Midland National Life Advisor VUL

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

National Life VariTrak II

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

Nationwide Financial Life Protection FPVUL

Death Benefit Guarantees; Low Premium to Endow & Carry; Favorable Underwriting; Living Benefits

Nationwide Financial Life Next Generation II FPVUL

High Cash Values; Maximum Retirement Income; Favorable Underwriting

New York Life NYLIAC Pinnacle VUL

No Surrender Charges; 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

Northwestern Mutual Life Variable Executive Life II

Premium Flexibility; High Cash Value; Long-Term Values

Ohio National Life Growth Perspective VUL

Cash Value Accumulation; Maximum Income; Long-Term Values; Reducing M&E Charges

Pacific Life Pacific Select Exec II

Maximum Retirement Income; Maximum Death Benefits; Riders

Penn Mutual Life Cornerstone VUL IV

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

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

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 Protector

Maximum Death Benefits; Long-Term Cash Value Accumulation; Directed M&E Charges; Terminal Illness Endorsement; Riders

Protective Life Premiere II

Long-Term Cash Value; Maximum Retirement Income; Death Benefit Guarantees to Lifetime

Prudential Financial Life PruLife Custom Premier II

Premium Flexibility; Maximum Retirement Income; Long-Term Values

State Farm Life Flexible Choice (VUL)

Death Benefit Sales; Accumulation Sales

Sun Life Financial Futurity Accumulator II

Low Expenses; Death Benefit Guarantee; Maximum Retirement Income

Sun Life Financial Futurity Protector II VUL

Term Blending; Death Benefit Guarantee; Rolling Target; Low Expenses; Maximum Retirement Income

Transamerica Occidental Life TransUltra VUL

Low Premium to Endow & Carry

Transamerica Occidental Life TransAccumulator VUL

Death Benefit Guarantees; Riders

Union Central Life (A UNIFI Co.) Excel Accumulator VUL

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 WRL Xcelerator

Short Surrender Period; Long-Term Values; Low Expenses

Western Reserve Life WRL Xcelerator Focus

Short Surrender Period; Long-Term Values; Limited Pay Solves; 1035 Exchanges; High Face Amounts