AIG American General Life Elite Survivor G

Full death benefit guarantee; maximum income; rolling targets

AIG American General Life Elite Survivor 2004

Low premium to carry; maximum death benefit; return of premium option; rolling targets

AIG American General Life Platinum Protector Survivor G

Minimum premium long-term guarantee market; maximum death benefits

AIG American General Life Platinum Survivor Ultra 2004

Low premium to carry; maximum death benefits; supplemental coverage

AmerUs Life Indexed Survivor UL

Indexed to the S&P 500 Index; lifetime death benefit guarantee

AXA Equitable Life Athena Survivorship UL II

Death benefit guarantees; low premium to carry; riders

Bankers Life of New York Indexed Survivor UL

Indexed to the S&P 500 Index; lifetime death benefit guarantee

Banner Life Survivor Life

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

First Colony Life Lifetime Provider (SM) SUL

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

Indianapolis Life Indexed Survivor Universal Life

Indexed to the S&P 500 Index; lifetime death benefit guarantee

ING “Reliastar Life” ING GPSUL

Death benefit guarantee to lifetime; low premium to carry

ING “Security Life of Denver” GSUL

Death benefit guarantee to lifetime

ING “Security Life of Denver” ING Explorer SUL

Long-term cash accumulation; maximum retirement income

Jefferson-Pilot Life JPF Duet 300

Extended maturity; low premium to carry; rolling target; long-term values

Jefferson-Pilot Life Duet 300 Plus

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

Jefferson-Pilot Life Duet 300 XG

Low-cost death benefit guarantee; catch-up provision

John Hancock Life Performance SUL

Extended maturity; secondary guarantees; long-term values; rolling target premium; term blending

John Hancock USA Protection SUL-G

Lifetime death benefit guarantee; riders

Lincoln National Life SUL LPR 6

Lifetime death benefit guarantee; flexibility; riders

Lincoln National Life SUL DB

Low premium to carry; business applications

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; convertibility

Massachusetts Mutual Life SUL Guard (SM)

Lifetime death benefit guarantee; two premium accounts

Massachusetts Mutual Life Survivorship UL+

Low premium to endow & carry; high cash value; maximum retirement income; broad/favorable underwriting

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

National Life NL Estate Provider

Term blending; riders; maximum death benefits

Nationwide Life Legacy Provider SUL

Death benefit guarantee to age 100

New York Life NYLIAC SUL

Low endowment premium; extended maturity; secondary guarantees; expanded underwriting classes

Northwestern Mutual Life SUL

Premium flexibility; long-term values

Pacific Life Pacific Estate Preserver II

Flexible long-term guarantees; high early cash values via accounting benefit rider; accumulation sales; flexible target premiums

Penn Mutual Life EstateMax II

Low endowment premium; low premium to carry; long-term values; full death benefit guarantee; riders

Phoenix Life Phoenix Estate Legacy III

Full death benefit guarantee; low premium to endow & carry; broad underwriting

Phoenix Life Phoenix Estate Legacy IV

Low premium to endow & carry; accumulation sales

Principal Life Survivorship UL

Standard through rated insureds; death benefit guarantee to maturity; cash value accumulation

Protective Life Survivor Select UL III

Lifetime death benefit guarantee; death benefit sales; various sales scenarios

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

State Farm Life Second to Die

Death benefit sales; accumulation sales

Sun Life Financial Sun SUL – LP2

Guaranteed death benefit to age 100; flexibility; riders

Sun Life Financial Sun Survivorship UL – Plus

Flexibility; business applications; riders

Union Central Life (UNIFI Co.) Excel Survivor

Death benefit sales; accumulation sales

US Life of NY (AIG Co.) Survivorship Premier

Death benefit guarantee in N.Y.; 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 (UNIFI Co.) 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

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 Survivorship UL

Lifetime death benefit guarantee; long-term accumulation

Jefferson Pilot Financial JPF Ensemble SL

Low endowment premium; low premium to carry; high cash value; maximum retirement income; rolling target

John Hancock USA Survivorship VUL

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

Lincoln National Life SVUL One

Death benefit guarantees; death benefit sales; cash accumulation; low endow premium; hybrid product

Massachusetts Mutual Life Survivorship VUL Guard (SM)

Flexible low cost lifetime death benefit guarantee; 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

MetLife Travelers VSL II

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

MetLife New England Financial Zenith SL 2002

Low premium to endow; maximum death benefits; impaired risk

Midland National Life Survivorship VUL

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

National Life Sentinel Estate Provider

Cash value accumulation; death benefit guarantee

Nationwide Life Best of America Protection SVUL

Death benefit guarantees; low premium to endow & carry; broad underwriting

Nationwide Life Best of America Next Generation SVUL

Cash accumulation; income distribution; low expenses

New York Life NYLIAC SVUL

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

Pacific Life Pacific 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

Principal Life Survivorship VUL

Full death benefit guarantees; low premium to endow & carry; broad underwriting

Prudential Financial Life Survivorship VUL

Minimum premium to carry; underwriting; maturity extension; divorce and tax law change rider

Sun Life Financial 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, issue ages

Massachusetts Mutual Life Survivorship Whole Life

High term blendability; cash value accumulation; business applications

Massachusetts Mutual Life Survivorship Whole Life Protector

Low premiums; increase in cash values at first death

New York Life Survivorship Whole Life

Expanded underwriting classes; accumulation through PUA rider

Northwestern Mutual Life Joint CompLife

Flexibility; term blending