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Survivorship Universal Life Design Objectives

By Staff Writer

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AIG American General Life Elite Survivor G

Full Death Benefit Guarantee; Maximum Income; Rolling Targets

AIG American General Life Elite Survivor 2004

Low Premium to Carry; Maximum Death Benefit; Return of Premium Option; Rolling Targets

AIG American General Life Platinum Protector Survivor G

Minimum Premium Long Term Guarantee Market; Maximum Death Benefits

AIG American General Life Platinum Survivor Ultra 2004

Low Premium to Carry; Maximum Death Benefits; Supplemental Coverage

Allianz Life Gen Dex Survivorship

Indexed Policy; Performs best at ages 53 to 55; Guaranteed Death Benefit; First To Die Rider; 100% Participation Guaranteed

Aviva Life Indexed SUL

Indexed policy; No Lapse Guarantee to Lifetime; Various Sales Scenarios

Aviva – Bankers Life of NY Indexed SUL

Indexed policy; No Lapse Guarantee to Lifetime; Various Sales Scenarios

Aviva – Indianapolis Life Indexed SUL

Indexed policy; No Lapse Guarantee to Lifetime; Various Sales Scenarios

AXA Equitable Life Athena SUL II

Death Benefit Guarantees; Low Premium to Carry; Riders

Genworth Life Lifetime Provider (SM) SUL

Death Benefit Guarantee to Age 100; Business Applications; Rolling Target

Guardian Life EstateGuard SUL

Low Premium to Endow; Low Premium to Carry; Single Pay Sales; Accumulation Sales

ING “Reliastar Life” ING GPSUL

Death Benefit Guarantee to Lifetime; Low Premium to Carry

ING “Security Life of Denver” ING Explorer Survivorship UL

Long Term Cash Accumulation; Maximum Retirement Income

John Hancock Life Performance SUL 06

Minimum Premium to Carry; 10-Pay Endowment Solve; Lump Sum Death Benefit Solve

John Hancock USA Protection SUL-G

Lifetime Death Benefit Guarantee; Policy Protection Riders

Lincoln Benefit Life Legacy Secure SL

Age 100 Lifetime Death Benefit Guarantees

Lincoln National Life Lincoln LifeGuarantee SUL

Lifetime Guaranteed Death Benefit; Maximum Death Benefits

Lincoln National Life Lincoln LifeCurrentSUL

Maximum Accumulation Values; Specified Insured Term Rider

Massachusetts Mutual Life Survivorship UL+

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

Massachusetts Mutual Life Survivorship UL 10

Short Term Needs; Convertibility

Massachusetts Mutual Life Prestige Survivorship UL

Qualified Markets; Low Cash Value; Broad Underwriting; Living Benefits; Long Term Values

Massachusetts Mutual Life SUL Guard(SM)

Lifetime Death Benefit Guarantee; Premium Allocation Options

MetLife Legacy Advantage SUL

Accumulation Sales; Death Benefit Guarantees; Premium Financing

Midland National Life Survivorship Innovation UL

High Issue Ages; Death Benefit Guarantee to Age 100; Table Shaving; Low Premium to Endow & Carry

National Life NL Estate Provider

Maximum Death Benefits; Term Rider Flexibility

Nationwide Life YourLife SUL

Low Cost Death Benefits; Lifetime Death Benefit Guarantee; Owner Directed Settlement Options

New York Life NYLIAC Pinnacle SUL

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

Northwestern Mutual Life Survivorship UL

Premium Flexibility; Long Term Values

Pacific Life Estate Preserver III

Lifetime Death Benefit Guarantee; Return of Premium Option

Penn Mutual Life Estate Protection For Life

Lifetime Death Benefit Guarantee; Riders

Phoenix Life Phoenix Estate Legacy IV (PEL IV)

Low Premium to Endow & Carry; Accumulation Sales; Various Sales Scenarios

Phoenix Life Survivorship UL with Guarantee

Lifetime Death Benefit Guarantees; Death Benefit Sales

Principal Life Survivorship Universal Life Protector

Flexible Low Cost No Lapse Premiums; Return of Premium Option; Business Applications

Protective Life Survivor Select UL III

Lifetime Death Benefit Guarantee; Low Premium to Guarantee Death Benefit; Death Benefit Sales; Various Sales Scenarios

Protective Life Survivor

Low Premium to Endow & Carry; Maximum Death Benefits

Prudential Financial Life PruLife SUL Protector

Flexible Death Benefit Guarantee up to Lifetime; Guaranteed Duration Premium Solves; Underwriting; Maturity Extension

Security Mutual Life of NY Survivorship UL

Low Premium to Endow & Carry

State Farm Life Second to Die

Death Benefit Sales; Accumulation Sales; Low Surrender Charges

Sun Life Financial Survivorship LP3

Death Benefit Guarantee to Lifetime; Flexibility

Transamerica Occidental Life TransAce Survivor

Flexible Death Benefit Guarantee to Lifetime; Older Ages

Transamerica Occidental Life TransAce Survivor New York

Flexible Death Benefit Guarantee to Lifetime; Larger Face Amounts

Union Central Life (UNIFI Co) Excel Survivorship UL

Current Assumption Sales; Flexible Death Benefit; Riders

US Life of NY (AIG Co.) Survivorship Premier

Lifetime Death Benefit Guarantee in NY; Maximum Death Benefits; Maximum Retirement Income