UL and Indexed UL Product Design Objectives

DB sales; long-term values; flexibility

Northwestern Mutual Life Custom UL Accumulator

Accumulation sales; long-term values; flexibility

Ohio National Life Virtus 100 G

Low-cost lifetime DB guarantee

Ohio National Life Virtus Value

Low premium to carry & endow; DB sales; accumulation sales; long-term values

Pacific Life VersaFlex VI

Cash value accumulation; flexible lifetime DB guarantee; payment solves; term blending

Penn Mutual Life Protection For Life

Lifetime DB guarantee; return of premium option; business applications

Penn Mutual Life Protection Builder

Flexibility; cash value accumulation

Phoenix Life Accumulator UL

Low premium to endow & carry; accumulation sales; various sales scenarios; maximum income; long-term values

Phoenix Life Phoenix Generations

Lifetime DB guarantee; maximum DBs

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 III

Low-cost lifetime DB guarantee

Principal Life UL Accumulator

High early cash value; maximum retirement income; COLI; long-term values

Protective Life Protective Select UL VI LP/SP

Low-cost lifetime DB guarantee; maximum DBs; various sales scenarios

Protective Life Protective 100 Plus

High cash value accumulation; maximum retirement income; long-term values

Prudential Financial Life PruLife Universal Plus

Cash value accumulation; persistency bonus

Prudential Financial Life PruLife Universal Protector

Flexible DB & DB guarantee

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

Low premium to endow & carry; low minimum premium; long-term values; High target premium

Security Mutual of NY Capital UL

High early cash values; business applications; liquidity; high accumulation values

State Farm Life Universal Life

DB sales; accumulation sales; liquidity

Sun Life Financial Protector

Flexible DB guarantee; automatic maturity extension

Sun Life Financial Sun UL Protector – Plus

Low premium to endow & carry; cash value accumulation; maximum income

Transamerica Occidental Life TransUltra SP 2006

Cash value accumulation; low premium to endow & carry

Transamerica Occidental Life TransAce LP

Low-cost guaranteed DBs; flexibility

Union Central Life Excel Protector

Long term values; low premium to carry; third DB option

Union Central Life Excel Provider

Long-term DB guarantees; maximum DBs

USAA Life Universal Life

No surrender charge; low expenses; early cash value accumulation

U.S. Life of NY ContinUL Extend NY

DB guarantees; return of premium; term blending; preferred loans; low guarantee premiums; rolling target

U.S. Life of NY Platinum Protector G NY

Low-cost DBs; term alternative; full DB guarantee; premium solves

U.S. Life of NY Medalist Premier

Maximum DBs; business applications; high issue ages; guaranteed bonus

West Coast Life LifeTime Platinum 120 LP & LifeTime Platinum 120 S

Lifetime DB guarantees; rolling target

West Coast Life LifeTime Advantage 100

Low premium to endow; cash value accumulation; rolling target premium

AIG Amer. Gen. Life Platinum Provider Ultra 500

No cap; riders; high issue ages

AIG Amer. Gen. Life Elite Index UL 2004

DB guarantee to lifetime; guaranteed 100% participation rate

AIG Amer. Gen. Life AIG Elite Global IUL

Three indices; automatic overweighting; allocation options; fixed interest available

Allianz Life GenDex II

Long-term cash value accumulation

AmerUs Life Vision Builder Series II

Guaranteed 100% participation rate; high funding; guaranteed DB to age 100; interest bonus

AmerUs Life Advantage Builder

Guaranteed 100% participation rate; high funding; guaranteed DB to age 100; interest bonus

Bankers Life of NY Empire Solution UL

Guaranteed 100% participation rate; high funding; guaranteed DB to age 100; interest bonus

Bankers Life of NY Liberty Solution Plus UL

Guaranteed 100% participation rate; high funding; guaranteed DB to lifetime; interest bonus

Conseco Life Asset Builder Plus 100% EIAV

90% participation rate; accumulation sales; no cap; fixed account option/blending; DB guarantee to age 85

Indianapolis Life Vista Elite Series II

Guaranteed 100% participation rate; high funding; guaranteed DB to age 100; interest bonus

Indianapolis Life Vista Advantage

Guaranteed 100% participation rate; high funding; DB guarantee to lifetime; interest bonus; riders

Midland National Life XLCV

Nine index strategies; systematic premium allocation; high funding levels; high target premiums

Midland National Life XLEC

Nine index strategies; systematic premium allocation; high early cash Values; no load; table shaving; business applications

National Life Ultra EIUL

Living benefits; liquidity; low expenses; two indexing methods

North Amer. Life Custom Builder IUL

Guaranteed 100% participation rates available; accumulation sales; daily Sweeps; four index options; three crediting methods; variable loans; guaranteed DB

Old Mutual Financial Network MasterChoice

Age 100 DB guarantee; liquidity; surrender charges waived on overfunded amounts

Pacific Life Indexed Accumulator II

Accumulation sales; overfunding; bailout provision; overloan protection

Union Central Life EXCEL Index UL

Three crediting options

Western Reserve Life Freedom Equity Index UL

High cap; guaranteed fixed account