Survivorship Variable Life Policy Design Objectives

AIG American General Life Platinum Investor Survivor II

Target Premiums; Death Benefit Guarantees; Maximum Retirement Income; Maturity Extension; Return of Premium

AXA Equitable 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” Variable SUL

Lifetime Death Benefit Guarantee; Long Term Accumulation

ING “Security Life of Denver” Estate Designer

High Early Cash Value; Death Benefit Option 3; Unlimited Transfers

Jefferson Pilot Financial Life JPF Ensemble SL

Low Premium to Endow & Carry; High Cash Value; Maximum Retirement Income; Rolling Target

Lincoln National Life SVUL ONE

Death Benefit Guarantees; Death Benefit Sales; Cash Accumulation; Low Endow Premium; Hybrid Product

Lincoln National Life Lincoln SVUL-IV

Low Premium to Endow & Carry; Death Benefit Guarantees to Age 100; Accumulation Sales; Built In Maturity Extension

Massachusetts Mutual Life Survivorship VUL II

Death Benefit Guarantee to Age 100; Low Premium to Endow & Carry; High Cash Value; Maximum Retirement Income; Broad/Favorable Underwriting

Massachusetts Mutual Life Survivorship VUL Guard

Flexible Low Cost Lifetime Guarantee Death Benefit; Accumulation Values

MetLife VSL II

Death Benefit Guarantees; Maximum Death Benefits; Low Premium to Endow

MetLife New England Financial Zenith Survivorship Life 2002

Low Endowment Premium; Maximum Death Benefits; Impaired Risk; Older Ages