Survivorship Variable Life Design Objectives

AIG American General Life Platinum Investor Survivor II

Target Premiums; Death Benefit Guarantees; Maximum Retirement Income; Maturity Extension; Return of Premium; High Guaranteed Fixed Account Rate

AXA Equitable Life 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” Estate Designer

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

ING “Security Life of Denver” Variable Survivorship UL

Lifetime Death Benefit Guarantee; Long Term Accumulation

John Hancock Life Accumulation SVUL

Age 35-65 Market; Maximum Retirement Income

John Hancock Life Protection SVUL

Lifetime Death Benefit Guarantee; 2001CSO Table; Features & Riders

Lincoln National Life SVUL ONE

Death Benefit Guarantees; Death Benefit Sales; Cash Accumulation; Hybrid Product

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 (SM)

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

Minimum Premium to Endow; Maximum Death Benefits; Impaired Risk; Older Ages

Midland National Life Survivorship VUL