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Survivorship Whole Life Design Objectives

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Guardian Life EstateGuard

Increasing Dividends & Cash Values at First Death; Flexibility; Riders

John Hancock Life Level Premium Estate Protection

Issue to Age 90; Additional Insurance Protection Rider

Massachusetts Mutual Life Survivorship WL Protector

Low Premiums; Increase in Cash Values at First Death

Massachusetts Mutual Life Survivorship WL

High Term Blendability; Cash Value Accumulation; Business Applications

New York Life Survivorship Whole Life

Expanded Underwriting Classes; Estate Protection Rider; Convertible Dividend Option Term rider

Northwestern Mutual Life Joint CompLife

Flexibility; Optional High Term Blending