AIG American General Life Platinum Investor VIP

Flexibility; low premium to endow; cash accumulation; maximum retirement income; guaranteed minimum withdrawal benefit; rolling targets, guaranteed coverage to age 100

Ameritas Variable Life (UNIFI Co.) Low Load VUL

Accumulation sales; immediate first-year cash values; long-term values; maximum income

Ameritas Variable Life (UNIFI Co.) Protector hVUL

Hybrid VUL; death benefit sales; low premium; flexible lifetime guaranteed death benefit

Accumulation Sales; Long-Term Values; Ameritas Variable Life (UNIFI Co.) Overture Ovation!

Maximum income; lifetime death benefit guarantee; flexibility

AXA Equitable Life Incentive Life 06

Flexibility; cash value accumulation; maximum retirement income; riders/features; loan extension protection

AXA Equitable Life Incentive Life Legacy

Guaranteed death benefit; premium to endow solves; maximum accumulation; income with overloan protection; living benefits

Guardian Life Park Avenue Life – Millennium Series

Cash value accumulation; guaranteed death benefit to age 100; policy exchange

Guardian Life Flexible Solutions(SM) VUL

Policy exchange; death benefit option 3; riders; business applications

Hartford Life Stag Accumulator II VUL

Accumulation sales; maximum income

Hartford Life Stag Protector II VUL

Death benefit sales; various sales scenarios; low front-end load

ING “Reliastar Life” ING Protector Elite

Third death benefit option; minimum premium to carry & endow; maximum death benefits; simplified fees

ING “Reliastar Life” ING Investor Elite

Cash value accumulation; maximum retirement income; compensation options

ING “Reliastar Life” Select Life II

Cash value accumulation; maximum income; advanced markets

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” Asset Accumulator VUL

Long term accumulation; retirement income; reducing M&E charges

ING “Security Life of Denver” Strategic Investor

High early cash surrender values; no surrender charges; 20-year or lifetime guarantee

Jackson National Life Perspective Investor VUL

Maximum retirement income; long-term values

Jackson National Life Ultimate Investor VUL

Maximum retirement income; high early cash surrender values; long-term accumulation

Jefferson Pilot Financial Life JPF Ensemble Accumulator

Accumulation sales; maximum income; long-term values

Jefferson Pilot Financial Life JPF Ensemble EXEC

High early cash values; three death benefit options; liquidity; guaranteed zero-spread loans

Jefferson Pilot Financial Life JPF Ensemble Protector

Low premium to endow; maximum death benefits

John Hancock Life Protection VUL

Flexible death benefit guarantees; premium solves; LifeCare benefit

John Hancock USA Accumulation VUL

Maximum retirement income; maximum accumulation value; overloan protection rider; riders

Lincoln Benefit Life Consultant Accumulator

High cash values; maximum retirement income; 20-year guaranteed death benefit; low M&E; short surrender charge period

Lincoln Benefit Life Consultant Protector

Death benefit sales; 20-year guaranteed death benefit; low premium to endow & carry; low COIs; long-term value

Lincoln National Life VUL One 2005

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

Lincoln National Life VUL DB IV

Maximum death benefits; low premium to endow; flexibility

Lincoln National Life VUL CV IV

Cash values; maximum income; business applications; accumulation sales

Massachusetts Mutual Life VUL Guard (SM)

Lifetime guarantee death benefit; accumulation values; death benefit option four

Massachusetts Mutual Life Variable Universal Life II

Low premium to carry; death benefit guarantees; riders

Met Life (General American Life) American Vision VUL 2002

Cash value accumulation; maximum retirement income; underwriting Flexibility; death benefit guarantees to age 100; additional riders/features

Met Life Equity Advantage VUL

Cash value accumulation; maximum retirement income; underwriting flexibility; death benefit guarantee to age 85; 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 Foundation VUL 1.1

Maximum income; death benefit guarantees; enhanced dollar cost averaging; commission options

Midland National Life Premier VUL1.1

Maximum income; low premium to endow; maximum cash values; commission options

National Life VariTrak II

Low sales charges; living benefit riders; lifetime death benefit guarantee

Nationwide Financial Life Next Generation II FPVUL

High cash values; maximum retirement income; favorable underwriting

Nationwide Financial Life Protection FPVUL

Death benefit guarantees; low premium to endow & carry; favorable underwriting; living benefits

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 Executive Life II

Premium flexibility; high cash value; long-term values

Northwestern Mutual Life Variable CompLife

Full death benefit guarantee; 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 Select Exec III

Minimum earnings benefit & guaranteed minimum distribution riders; maximum accumulation

Penn Mutual Life Cornerstone VUL IV

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

Phoenix Life Individual Edge 03 (PIE 03)

Low first-year only admin. charge; guaranteed M&E reduction; three full DB guarantee options; trail commissions; riders

Phoenix Life Edge VUL

Cash value accumulation; banded COIs; maximum income; riders; death benefit guarantees; 3 policy options; premium solves

Principal Life VUL Accumulator II

High accumulation values; high target premiums; death benefit guarantees; business applications

Principal Life VUL Income

Maximum retirement income; accumulation values; business applications

Protective Life Premiere II

Long-term cash value; maximum retirement income; death benefit guarantees to lifetime

Protective Life Premiere Protector

Maximum death benefits; long-term cash value accumulation; directed M&E charges; terminal illness endorsement; riders

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 Protector II

Term blending; death benefit guarantee; rolling target; low expenses; maximum retirement income

Sun Life Financial Accumulator II

Low expenses; death benefit guarantee; maximum retirement income

Transamerica Occidental Life TransAccumulator VUL

Death benefit guarantees; riders

Transamerica Occidental Life TransUltra VUL

Low premium to endow & carry

Union Central Life (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