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Life Health > Life Insurance

UL Policy Design Objectives

By Staff Writer

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Acacia Life (UNIFI Co) Flex-Account Ultra

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

AIG American General Life Platinum Provider Ultra 2003

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

AIG American General Life Elite UL 2003

Low Premium to Carry; Maximum Death Benefits

AIG American General Life ContinUL Extend 2007

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

Aviva-AmerUs Life Patriot Solution

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

Aviva-Bankers Life of NY Capital Solution

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

Aviva-Indianapolis Life Crown Solution

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

AXA Equitable Athena UL-LPR

Guaranteed Death Benefits; Long Term Care Rider

AXA Equitable Athena UL-DB

Death Benefits & Accumulation Values; Death Benefit Flexibility; Return of Premium Rider

Banner Life Continuity Lifetime UL

Lifetime Guarantee Premiums; Low Mortality Charges

Conseco Life AssetBuilder

Commissionable Face Amount Increases & Substandards; Crediting Rate Bonus

Genworth Life Lifetime FlexPlus

Lifetime Death Benefit Guarantee to Age 100; Cash Value Accumulation

Genworth Life ReadySM UL

Current Assumption Death Benefit Protection; Competitive Premium to Endow/Carry; Cash Value Accumulation

Guardian Life UL Protector Gold (GIAC UL Protector)

Lifetime Death Benefit Guarantee; Maximum Death Benefits

Guardian Life ULtra Max Gold (SM)

Accumulation Sales; High Early Cash Value

Guardian Life ULtraLife Gold

Low Premium to Endow & Carry; Death Benefit Sales

ING “Reliastar Life” ING Protector UL

Low Premium to Endow & Carry; Death Benefit Sales

ING “Reliastar Life” ING Capital Accumulator

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

ING “Security Life of Denver” ING 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; Death Benefit Guarantee to Lifetime

ING “Security Life of Denver” Guaranteed Death Benefit UL

Death Benefit Guarantees to Lifetime

ING “Security Life of Denver” Explorer UL

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

ING “Security Life of Denver” Indexed Strategic Accumulator UL

Accumulation Sales; High Early Cash Values

Jackson National Life Jackson Accumulator UL

Accumulation Sales; Low Premium to Endow

Jackson National Life Generations UL

Death Benefit Sales; Lifetime Death Benefit Guarantee

John Hancock Life Performance UL 07

Low Premium to Endow & Carry; Various Sales Scenarios; Maximum Income

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

Lifetime Death Benefit Guarantee; Term Alternative

Lincoln Benefit Life Legacy Secure

Lifetime Death Benefit Guarantees; Short Duration Pays

Lincoln Benefit Life Ultra Plus

Low Premium to Carry; Long Term Values

Lincoln National Life Lincoln LifeGuarantee UL

Low Cost Death Benefits; Lifetime Death Benefit Guarantee; Flexibility

Lincoln National Life Lincoln LifeGuarantee Plus UL

Lifetime Death Benefit Guarantee; Various Sales Scenarios; Business Applications

Lincoln National Life Lincoln LifeCurrent UL

Low Cost Death Benefits; Cash Value Accumulation

Lincoln National Life Lincoln LifeReserve UL

Long Term Cash Values; High Target Premiums; High Surrender Charges; Five Year Death Benefit Guarantee; Supplemental Coverage Rider

Massachusetts Mutual Life Universal Life 2+

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

Massachusetts Mutual Life UL Guard(SM)

Lifetime Death Benefit Guarantee; Specified Premium Account Option

MetLife Guarantee Advantage UL

Lifetime Death Benefit Guarantee; Low Premium; Term Alternative

MetLife Universal Advantage UL

Accumulation Values; Low Premium to Endow; Maximum Income

Midland National Life Select UL-G

Death Benefit Guarantee to Age 121; Extended Maturity; Maximum Death Benefits

Midland National Life Premier UL 4

No Load; Cash Value Accumulation; Bonuses

Midland National Life Innovation UL 2.3

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

National Life Navitrak II

Living Benefits; Liquidity

National Life NLG 120

Low Cost Lifetime Death Benefit Guarantees

Nationwide Financial Life ULtimate UL

Low Cost Lifetime Death Benefit Guarantee

New York Life NYLIAC Pinnacle UL AD104

No Surrender Charges w/ Front Load; Low COIs; Flexible Riders; Qualified and Non-Qualified Sales; Long Term Performance

New York Life NYLIAC Accumulator

Cash Value Accumulation; Maximum Retirement Income; Business Applications

New York Life NYLIAC Protector 2005

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

North American Life Custom TermUL

Term Alternative; Low Premium to Carry; Maximum Death Benefits; 10 Year No lapse Guarantee; Protected Pour-In; Interest Bonus; Low Cost Net Loans

North American Life Custom Guarantee

Lifetime Death Benefit Guarantee; Dial-a-Guarantee to Age 120; Protected Pour-In Rider; Low Minimum Face Amount; Preferred Loans

North American Life Custom Extra

Low Cost Death Benefit; Death Benefit Guarantees; Low Minimum Face; Various Sales Scenarios; Low-cost Net Loans

North American Life Custom Accumulator

Guaranteed Return of Premium; Cash Value Accumulation; Short Surrender Period; Single Premium Asset Reallocation; 1035 Exchanges; Low Cost Net Loans

Northwestern Mutual Life Custom UL Protector

Death Benefit Sales; Long Term Values; Premium and Death Benefit Flexibility

Northwestern Mutual Life Custom UL Accumulator

Accumulation Sales; Long Term Values; Premium and Death Benefit Flexibility

Ohio National Life Virtus Value

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

Pacific Life VersaFlex VI

Cash Value Accumulation; Flexible Lifetime Death Benefit Guarantee; Payment Solves; Term Blending

Penn Mutual Life Protection For Life

Lifetime Death Benefit 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 Generations

Lifetime Death Benefit Guarantee; Maximum Death Benefits

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 Death Benefit Guarantee; Broad/Favorable Underwriting

Principal Life UL Accumulator

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

Protective Life Centennial G

Lifetime Death Benefit Guarantee; Death Benefit Sales; Various Sales Scenarios

Protective Life Protective 100 Plus

Cash Value Accumulation; Maximum Retirement Income; Long Term Values

Prudential Financial Life PruLife Universal Protector

“Dialable” Death Benefit; Flexible No Lapse Guarantee

Prudential Financial Life PruLife Universal Plus

Cash Value Accumulation; Persistency Bonus

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

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

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

Sun Life Financial Sun Universal Protector

Death Benefit Guarantee to Lifetime

Transamerica Occidental Life TransAce

Lifetime Death Benefit Guarantee

Transamerica Occidental Life TransUltra Plus 2006

Maximum Death Benefits

Transamerica Occidental Life TransUltra SP 2006

Cash Value Accumulation; Low Premium to Endow & Carry

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 of Omaha Guaranteed Universal Life Complete

Lifetime Death Benefit Guarantee; Standards; Living Benefit

United of Omaha Priority Accumulation UL

Maximum Income; Interest Bonus

USAA Life Universal Life

No Surrender Charge; Low Expenses; Early Cash Value Accumulation

United States Life of NY (AIG Co.) Elite UL-NY

Low Premium to Carry; Maximum Death Benefits; Minimum Premium to Carry

United States Life of NY (AIG Co) ContinUL Extend 2007

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

West Coast Life LifeTime Platinum II

Guaranteed Death Benefit to Lifetime; No Maturity Age

West Coast Life LifeTime Advantage 100

Low premium to Endow; Accumulation Sales; 2-year Rolling Target Premium

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