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Variable Life Design Objectives

By Staff Writer

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AIG American General Life Platinum Investor VIP

Flexibility; Premium to Endow; Cash Accumulation; Maximum Retirement Income; Guaranteed Minimum Withdrawal Benefit; Rolling Targets; Death Benefit Guarantee to Age 100

Ameritas Life (UNIFI Co) Protector hVUL

Hybrid VUL; Death Benefit Sales; Low Premium; Flexible Lifetime Guaranteed Death Benefit

Ameritas Life (UNIFI Co) Overture Ovation!

Accumulation Sales; Long-Term Values; Maximum Income

AXA Equitable Life Incentive Life 06

Flexibility; Cash Value Accumulation; Maximum Retirement Income; Riders/Features; Loan Extension Protection

AXA Equitable Life Incentive Life Legacy

Flexible Death Benefit Guarantee; Low Minimum Premium to Endow; Accumulation; Maximum Income; Overloan Protection; Living Benefits

Guardian Life Flexible Solutions VUL

Policy Exchange; Death Benefit Option 3; Riders; Accumulation Sales; Business Applications; No-Lapse Guarantee

Hartford Life Stag Protector II

Low Premium To Endow; Death Benefit Sales; Various Sales Scenarios; Riders

Hartford Life Stag Accumulator II

Accumulation Sales; Maximum Income; Various Sales Scenarios

ING “Reliastar Life” Select Life II

Cash Value Accumulation; Maximum Income; Advanced Markets

ING “Reliastar Life” Protector Elite

Third Death Benefit Option; Minimum Premium to Carry & Endow; Maximum Death Benefits; Simplified Fees

ING “Reliastar Life” Investor Elite

Cash Value Accumulation; Maximum Retirement Income; Compensation Options

ING “Security Life of Denver” Asset Accumulator VUL

Long-Term Cash Accumulation; Maximum Retirement Income; No M&E Charges after 10 Years

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” Strategic Investor

High Early Cash Surrender Values; No Surrender Charges; Death Benefit Guarantee to Lifetime; Business Applications

Jackson National Life Ultimate Investor VUL

Maximum Retirement Income; High Early Cash Surrender Values; Long-Term Accumulation

Jackson National Life Perspective Investor VUL

Maximum Retirement Income; Long-Term Values

Jackson National Life Advisor VUL

Maximum Retirement Income; High Early Cash Surrender Values; Long-Term Accumulation

John Hancock Life Protection VUL

Flexible Death Benefit Guarantees; Premium Solves; LifeCare Benefit

John Hancock Life Accumulation VUL

Maximum Retirement Income; Maximum Accumulation Value; Overloan Protection Rider; Riders

Lincoln Benefit Life Consultant Protector

Death Benefit Sales; Guaranteed Death Benefits; Low Premium to Endow & Carry; Low COIs; Long-Term Values

Lincoln Benefit Life Consultant Accumulator

Guaranteed Death Benefits; Cash Value Accumulation; Low Premium to Endow & Carry; Low COIs; Long-Term Values

Lincoln National Life VUL One 2007

Death Benefit Guarantees; Maximum Death Benefits; Cash Accumulation; Low Premium to Endow; Hybrid Product

Lincoln National Life VUL CV IV

Maximum Cash Values; Maximum Income; Business Applications; Accounting Value Rider

Lincoln National Life VUL DB IV

Maximum Death Benefits; Low Premium to Endow; Flexibility

Massachusetts Mutual Life VUL Guard

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

MetLife Equity Advantage VUL

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantee to Ages 85; Riders

MetLife-General American Life American Vision VUL 2002

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Death Benefit Guarantees to Age 100; 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 VUL1.1

Cash Value Accumulation; Maximum Income; Death Benefit Guarantees; Enhanced DCA

Midland National Life Advisor VUL

Early Cash Values; Liquidity; No Premium Load; Business Applications

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; Overloan Protection Rider

Nationwide Financial Life Next Generation II FPVUL

High Cash Values; Accumulation Sales; Maximum Retirement Income; Favorable Underwriting; Long Term Care Rider

Nationwide Financial Life Protection FPVUL

Maximum Death Benefits; Death Benefit Guarantees; Long Term Care Rider; Accumulation Sales

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 Provider

Nonqualified Deferred Compensation; Maximum Retirement Income; Liquidity

New York Life NYLIAC VUL 2000

Higher Funding; Third Death Benefit Option; Maximum Income

Northwestern Mutual Life Variable Executive Life II

Premium Flexibility; High Cash Value; Long-Term Values

Northwestern Mutual Life Variable CompLife

Age 100 Death Benefit Guarantee; High Cash Value; Long-Term Values; Paid-Up Option

Northwestern Mutual Life Executive VUL

Premium & Death Benefit Guarantee Options; Fixed Paid-Up Option; Flexibility; Long-Term Values

Northwestern Mutual Life Custom VUL

Premium & Death Benefit Guarantee Options; Fixed Paid-Up Option; Premium Flexibility; 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 Death Benefits; Higher Funding; Minimum Earnings Benefit & Guaranteed Minimum Distribution Riders

Penn Mutual Life VUL IV

Low Premium to Carry & Endow; Cash Value Accumulation; Maximum Retirement Income; Riders

Phoenix Life Individual Edge 03

Cash Value Accumulation; Banded COIs; Maximum Income; Riders; Death Benefit Guarantees; 3 Policy Options; Premium Solves

Phoenix Life Edge VUL

Cash Value Accumulation; Banded COIs; Maximum Income; Riders; Death Benefit Guarantees; 3 Policy Options; Premium Solves

Phoenix Life Express VUL

Short Premium Period; Lifetime GMWB Option; Simplified Issue Underwriting; Cash Value Accumulation; Maximum Income

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; Various Sales Scenarios

State Farm Life Flexible Choice (VUL)

Death Benefit Sales; Accumulation Sales; Low Expenses

Sun Life Financial Protector II

Term Blending; Death Benefit Guarantee; Rolling Target; Low Expenses; Maximum Retirement Income; Flexibility

Sun Life Financial Accumulator II

Low Expenses; Death Benefit Guarantee; Maximum Retirement Income; Flexibility

Transamerica Occidental Life TransAccumulator VUL

Death Benefit Guarantees; Riders

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.) Platinum Investor VIP

Flexibility; Low Premium to Endow; Cash Accumulation; Maximum Retirement Income; Death Benefit Guarantee Age 100

Western Reserve Life WRL Xcelerator

Short Surrender Period; Long-Term Values; Low Expenses