Acacia Life Flex-Account Ultra

Death Benefit (DB) Sales; Accumulation Sales; Long-Term Values; Maximum Retirement Income; Living Benefits.

AIG Amer. General Life Platinum Provider Ultra 2003

Low Premiums; Maximum DBs; Business Applications; Supplemental Insurance Blending

AIG Amer. General Life Elite Universal Life -G 2003

Lifetime DB Guarantee; Maximum DBs; Low Premium to Carry; Limited Payment Scenarios

AIG Amer. General Life Elite UL 2003

Low Premium to Carry; Maximum DBs; Minimum Premium to Carry

AIG Amer. General Life ContinUL Extend

DB 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 Life Athena UL II

Term Alternative; Premium Financing; Lifetime No Lapse Guarantee

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(sm)

Age 100 or Lifetime DB Guarantee; Cash Value Accumulation

Guardian Life UL-PRO (GIAC UL Protector)

Lifetime DB Guarantee; Maximum DBs

Guardian Life UL-ACC (Berkshire UL Accumulator)

Cash Value Accumulation

Hartford Life Hartford Advanced UL

Age 100 or Lifetime DB Guarantee

ING “Reliastar Life” ING Protector UL

Term Alternative; Low Cost DB

ING “Reliastar Life” ING Capital Accumulator

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

ING “Security Life of Denver” LDGUL

Term Blendability; Ages 55+; 1035 Rescue; Short Pay Scenarios; DB Guarantee to Lifetime

ING “Security Life of Denver” Guaranteed Death Benefit UL

DB Guarantees to Lifetime

ING “Security Life of Denver” Explorer UL

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

ING “Security Life of Denver” Strategic Accumulator

Accum. Sales; High Early Cash Values; Short Payment Scenarios; 1035 Exchanges

Jackson National Life Generations UL

DB Sales; Lifetime DB Guarantee

Jefferson-Pilot Life JPF Legend 3000

Low Premium to Carry; DB Sales; Accumulation Sales; Long Term Values

Jefferson-Pilot Life JPF Legend 400

Maximum Retirement Income; Extended Maturity; Riders; Living Benefit; High Funding

Jefferson-Pilot Life JPF Legend Plus

Lifetime DB Guarantee; No Maturity Date; Various Sales Scenarios

Jefferson-Pilot Life JPF Legend XG

Maximum DBs; No Maturity Date; Low Premium to Carry; Living Benefit

John Hancock Life Performance UL

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

John Hancock Life Accumulation UL

Living Benefits; Riders; High Early Cash Value; High Targets; Maximum Retirement Income

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

Lifetime DB Guarantee; Term Alternative

Lincoln Benefit Life Legacy Secure

Lifetime DB Guarantees

Lincoln Benefit Life Ultra Plus

Low Premium to Carry and Long Term Values

Lincoln National Life UL LPR7

Lifetime DB Guarantee; Flexibility

Lincoln National Life UL DB2

Low Cost DBs; 5-Year DB Guarantee

Mass Mutual Life UL Guard(SM)

Lifetime DB Guarantee

Mass Mutual Life Universal Life 2+

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

MetLife Universal Advantage UL

Accumulation Values; Low Premium to Endow; Maximum Income

MetLife Guarantee Advantage UL

Lifetime DB Guarantee; Low Premium; Term Alternative

Midland Nat’l Life Executive UL 5.1

Cash Value Accumulation; Maximum Income; Liquidity

Midland Nat’l Life Innovation UL 2.3

DB Guarantee to Age 100; Extended Maturity; Low Premium to Carry; Maximum DBs

Midland National Life Premier UL 4

No Load; Cash Value Accum.; Bonuses

National Life Navitrak II

Living Benefits; Liquidity

National Life NLG 120

Low Cost Lifetime DB Guarantees

Nationwide Fin’l Life Ultimate UL

Low Cost Lifetime DB Guarantee

New York Life NYLIAC Accumulator

Cash Value Accumulation; Maximum Retirement Income; Business Applications

New York Life NYLIAC Pinnacle UL AD104

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

New York Life NYLIAC Protector 2005

Business Apps; Term Alternative; Low COIs; Low Premium to Carry; Max. DBs

North Amer. Life Custom Accumulator

Guaranteed Return of Premium; Cash Value Accum.; Short Surrender Period; Single Premium Asset Reallocation; 1035 Exchanges; Low Cost Net Loans; Full Spectrum Underwriting

North American Life Custom Extra

Low Cost DB; No-Lapse Guarantees; Low Minimum Face Amount; Various Sales Scenarios; Low Net Cost Loans; Full Spectrum Underwriting

North Amer. Life Custom Guarantee

Flexible Lifetime DB Guarantee; Protected Pour-In; Low Minimum Face Amount; Full Spectrum Underwriting

North Amer. Life Custom Term UL

Term Alternative; Low Premium to Carry to Age 100; Maximum DBs; 10-Year No-Lapse Guarantee; Protected Pour-In; Interest Bonus; Low Cost Net Loans; Full Spectrum Underwriting

Northwestern Mutual Life Custom UL Accumulator

Accumulation Sales; Long Term Values; Flexibility

Northwestern Mutual Life Custom UL Protector

DB Sales; Long Term Values; Flexibility; Business Applications

Ohio National Life Virtus 100G

Low Cost Lifetime DB Guarantee

Ohio National Life Virtus Value

Low Premium to Carry & Endow; Long Term Values; DB Sales; Accum. Sales

Pacific Life VersaFlex VI

Cash Value Accum.; Flexible Lifetime DB Guar.; Payment Solves; Term Blending

Penn Mutual Life Protection Builder

Flexibility; Cash Value Accumulation

Penn Mutual Life Protection For Life

Lifetime DB Guar.; Return of Premium Option; Business Apps

Phoenix Life Accumulator UL

Low Premium to Endow & Carry; Accum. Sales; Various Sales Scenarios; Maximum Income; Long Term Values

Phoenix Life Generations

Lifetime DB Guarantee; DB Sales

Principal Life UL3

Low Premium to Endow & Carry; High Cash Value; Max. Retirement Income; Business Apps; COLI; Long Term Values; Term Alternative

Principal Life UL Protector III

Lifetime DB Guarantee; Broad/Favorable Underwriting

Principal Life UL Accumulator

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

Protective Life 100 Plus

High Cash Value Accum.; Maximum Retirement Income; Long Term Values

Protective Life Centennial G

Lifetime DB Guarantee; DB Sales; Various Sales Scenarios

Prudential Fin’l Life PruLife Universal Protector

“Dialable” DB; Flexible No-Lapse Guar.

Prudential Fin’l Life PruLife Universal Plus

Cash Value Accum.; Persistency Bonus

Security Mutual Life of NY Premier UL/Premier UL XLC

Low Premium to Endow & Carry; Low Min. Premium; Long-Term Accum.; Target Premiums

Security Mutual Life of NY Capital UL

High Early Cash Values; Business Apps; Liquidity; High Accum. Values

State Farm Life Universal Life

DB Sales; Accumulation Sales

Sun Life Financial Protector

Flexible DB Guarantee; Automatic Maturity Extension

Transamerica Occidental Life TransUltra SP 2006

Cash Value Accumulation; Low Premium to Endow & Carry

Transamerica Occidental Life TransACE SP

High Initial Premiums; 1035 Exchanges; Lump Sums

Transamerica Occidental Life TransACE LP

Low Cost Guaranteed DBs; Flexibility

Union Central Life Excel Protector

Long Term Values; Low Premium to Carry

Union Central Life Excel Provider

Long Term DB Guarantees; Max. DBs

USAA Life Universal Life

No Surrender Charge; Low Expenses; Early Cash Value Accum.

United States Life of NY Elite UL-NY

Low Premium to Carry; Maximum DBs; Minimum Premium to Carry

United States Life of NY ContinUL Extend-NY

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

West Coast Life LifeTime Platinum II

Guaranteed DB to Lifetime; No Maturity Age

West Coast Life LifeTime Advantage 100

Low premium to Endow; Accumulation Sales; 2-Year Rolling Target premium