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Survivorship Variable Life Design Objectives

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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

High Cash Accumulation; Death Benefit Guarantee to Age 100; Maximum Retirement Income

National Life Sentinel Estate Provider

Lifetime Death Benefit Guarantee

Nationwide Life Best of America Protection SVUL

Death Benefit Guarantees; Low Premium to Endow & Carry; Broad Underwriting

Nationwide Life Best of America Next Generation SVUL

Cash Accumulation; Income Distribution; Low Expenses; Tiered M&E Charges


Low Endowment Premium; High Cash Value; Features & Riders

Northwestern Mutual Life Variable Joint Life

Premium Flexibility; Long Term Values

Northwestern Mutual Life Survivorship VUL

Premium Flexibility; Long Term Values

Pacific Life Select Estate Preserver V

Maximum Death Benefits; Maximum Retirement Income; Accounting Benefit Rider; Death Benefit Guarantee; Maturity Extension

Penn Mutual Life Variable Estate Max III

Low Premium to Endow & Carry; Long Term Values; Full Death Benefit Guarantee; Riders

Phoenix Life Estate Edge

Low Premium to Endow; Term blending; Cash Value Accumulation; Flexibility; Riders

Phoenix Life Edge SVUL

Three Policy Options; Banded COI Rates; Guaranteed Death Benefits; Flexibility; Riders

Sun Life Financial Futurity Survivorship II VUL

Death Benefit Guarantees; Supplemental Insurance; Rolling Targets

Western Reserve Life Freedom Wealth Protector

Death Benefit Guarantee; Broad/Favorable Underwriting; Long Term Values


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