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July 02, 2006 at 04:00 PM
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
