Acacia Life (UNIFI Co) Flex-Account Ultra

Death Benefit Sales; Accumulation Sales; Long-Term Values; Maximum Retirement Income; Living Benefits

AIG American General Life Platinum Provider Ultra 2003

Low Premiums; Maximum Death Benefits; Business Applications; Supplemental Insurance Blending

AIG American General Life Elite UL 2003

Low Premium to Carry; Maximum Death Benefits

AIG American General Life ContinUL Extend 2007

Death Benefit Guarantees; Return of Premium; Term Blending; Preferred Loans; Low Guarantee Premiums

Allianz Life of North America Generation Planner II

Low-Cost Death Benefit Guarantee

Aviva Life and Annuity Co. Patriot Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider; Life Protector Rider

Aviva-Indianapolis Life Crown Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider; Life Protector Rider

Aviva Life and Annuity Co. of NY Capital Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider; Life Protector Rider

AXA Equitable Life Athena UL-LPR/DB

Guaranteed Death Benefits; Long Term Care Rider

Banner Life Continuity Lifetime UL

Competitive Lifetime Premiums; Full Death Benefit Guarantee; Maximum Death Benefits

Bankers Life Innovative Life FIUL

Underage Market; College Education

Conseco Life AssetBuilder

Commissionable Face Amount Increases & Substandards; Crediting Rate Bonus

Genworth Life Lifetime FlexPlus

Age 100 or Lifetime Death Benefit Guarantee; Cash Value Accumulation

Genworth Life Life Ready UL II

Maximum Death Benefits; Low Premium to Endow & Carry; Cash Value Accumulation

Guardian Life ULtra Max Gold

Accumulation Sales; High Early Cash Value

Guardian Life ULtra Life Gold

Low Premium to Endow & Carry; Death Benefit Sales

Guardian Life UL Protector Gold

Lifetime Death Benefit Guarantee; Maximum Death Benefits

ING “Reliastar Life” ING Protector UL (07)

Low Premium to Endow & Carry; Death Benefit Sales

ING “Reliastar Life” ING Capital Accumulator UL

Cash Value Accumulation; Long Term Values; Maximum Retirement Income; Premium Financing

ING “Security Life of Denver” ING Strategic Accumulator UL

Accumulation Sales; High Early Cash Values; Short Payment Scenarios; 1035 Exchanges

ING “Security Life of Denver” LDGUL

Term Blendability; Ages 55+; 1035 Rescue; Short Pay Scenarios; Death Benefit Guarantee to Lifetime

ING “Security Life of Denver” Guaranteed Death Benefit UL II

Death Benefit Guarantee to Lifetime; Maximum Death Benefits

ING “Security Life of Denver” Explorer UL

Long-Term Performance; Guaranteed Issue for 10+ Lives; Premium Financing; Business Applications

Jackson National Life Jackson Accumulator UL

Accumulation Sales; Low Premium to Endow

Jackson National Life Generations UL

Death Benefit Sales; Lifetime Death Benefit Guarantee

John Hancock Life Protection UL-G

Lifetime Death Benefit Guarantee; Term Alternative

John Hancock Life Performance UL

Low Premium to Endow & Carry; Various Sales Scenarios; Maximum Income

John Hancock Life Accumulation UL

Living Benefits; Riders; High Early Cash Value; High Targets; Maximum Retirement Income

Lincoln Benefit Life Ultra Plus

Accumulation Sales; Long Term Values

Lincoln National Life LifeGuarantee UL

Low Cost Death Benefits; Lifetime Death Benefit Guarantee; Flexibility

Lincoln National Life LifeGuarantee Plus UL

Lifetime Death Benefit Guarantee; Various Sales Scenarios; Business Applications

Lincoln National Life LifeCurrent(sm) UL

Low Cost Death Benefits; Cash Value Accumulation

Lincoln National Life Lincoln LifeReserve(sm) UL

Long Term Cash Values; High Target Premiums; High Surrender Charges; 5-Year Death Benefit Guarantee; Supplemental Coverage Rider

Massachusetts Mutual Life UL 2+

Low Premium to Endow & Carry; Accumulation Sales; Long Term Values

Massachusetts Mutual Life UL Guard 2

Lifetime Death Benefit Guarantee; Specified Premium Account Option

MetLife Universal Advantage UL

Accumulation Values; Low Premium to Endow; Maximum Income

MetLife Guarantee Advantage UL

Lifetime Death Benefit Guarantee; Low Premium; Term Alternative

Midland National Life Innovation Universal Life 2.3

Death Benefit Guarantee to Age 100; Extended Maturity; Low Premium to Carry; Maximum Death Benefits

Midland National Life Executive UL 5.1

Cash Value Accumulation; Maximum Income; Liquidity

Midland National Life Century UL-G

Death Benefit Guarantee to Age 121; Extended Maturity; Maximum Death Benefits

Midland National Life Premier UL4

No Load; Cash Value Accumulation; Bonuses

Mutual of Omaha Guaranteed UL Complete

Lifetime Death Benefit Guarantee; Standard Insureds; Living Benefit

Mutual of Omaha Priority Accum UL

Maximum Income; Interest Bonus

National Life NaviStar

Term Alternative; Maximum Death Benefits

Nationwide Financial Life ULtimate UL

Low Cost Lifetime Death Benefit Guarantee

New York Life NYLIAC Protector 2005

Business Applications; Term Alternative; Low COIs; Low Premium to Carry; Maximum Death Benefits

New York Life NYLIAC Accumulator

Cash Value Accumulation; Maximum Retirement Income; Business Applications

New York Life NYLIAC Pinnacle UL AD104

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

New York Life UL-Lifetime Guarantee

Built in Lifetime Guaranteed Death Benefit; Affluent Market; Maximum Death Benefits

North American Life Custom Guarantee

Lifetime Death Benefit Guarantee; Dial-a-Guarantee to Age 120; Protected Pour-In Rider; Low Minimum Face Amount; Preferred Loans

Northwestern Mutual Life Custom UL Accumulator

Accumulation Sales; Long Term Values; Premium and Death Benefit Flexibility; Business Applications

Northwestern Mutual Life Custom UL Protector

Death Benefit Sales; Long Term Values; Premium and Death Benefit Flexibility; Business Applications

Ohio National Life Virtus Lifetime G

Low Cost Lifetime Death Benefit Guarantee

Ohio National Life Virtus Value

Low Premium to Carry & Endow; Long Term Values; Death Benefit Sales; Accumulation Sales

Pacific Life VersaFlex NLG

Early Cash Values; Death Benefit Guarantees

Penn Mutual Life Protection For Life

Lifetime Death Benefit Guarantee; Return of Premium Option; Business Applications

Penn Mutual Life Protection Builder

Flexibility; Cash Value Accumulation; Income

Phoenix Life Accumulator UL

Low Premium to Endow & Carry; Accumulation Sales; Various Sales Scenarios; Maximum Income; Long Term Values

Phoenix Life UL with Guarantee

Lifetime Death Benefit Guarantee; Death Benefit Sales

Principal Life UL3

Low Premium to Endow & Carry; High Cash Value; Maximum Retirement Income; Business Applications; COLI; Long Term Values; Term Alternative

Principal Life UL Protector III

Low Cost Lifetime Death Benefit Guarantee; Broad Super Preferred Class

Principal Life UL Accumulator

High Early Cash Value; Maximum Retirement Income; Business Applications; COLI; Long Term Values

Protective Life Protective 100 Plus

Cash Value Accumulation; Maximum Retirement Income; Long Term Values

Protective Life Centennial G

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

Protective Life Classic UL II

Low Premium to Endow & Carry; Maximum Death Benefit; Accumulation Sales

Protective Life Pro Value

Long Term Cash Value Accumulation; Income; Low Premium to Endow & Carry

Prudential Financial Life PruLife Universal Plus

Cash Value Accumulation; Persistency Bonus

Prudential Financial Life PruLife Universal Protector

“Dialable” Death Benefit; Flexible Death Benefit Guarantee

Security Mutual Life of NY Security Premier UL/Security Premier UL XLC

Low Premium to Endow & Carry; Long Term Accumulation; Target Premiums; Term Conversions

Security Mutual Life of NY Capital UL

High Early Cash Values; Business Applications; Liquidity; High Early Accumulations

State Farm Life Universal Life

Death Benefit Sales; Accumulation Sales

Sun Life Financial Universal ProtectorPlus

Various Sales Scenarios; Maximum Death Benefits; Cash Value Accumulation

Sun Life Financial Universal Protector

Death Benefit Guarantee to Lifetime; Maximum Death Benefits; Business Applications

Transamerica Occidental Life TransUltra SP 2006

Cash Value Accumulation; Low Premium to Endow & Carry

Transamerica Occidental Life TransUltra Plus 2006

Maximum Death Benefits

Transamerica Occidental Life TransACE NY 2007

Lifetime Death Benefit Guarantee; New York State

Transamerica Occidental Life TransACE 2007

Lifetime Death Benefit Guarantee

Union Central Life (UNIFI Co) Excel Provider

Long-Term Death Benefit Guarantees; Maximum Death Benefits

Union Central Life (UNIFI Co) Excel Protector

Long-Term Values; Low Premium to Carry

USAA Life Universal Life (USAA of NY)

No Surrender Charge; Low Expenses; Early Cash Value Accumulation

USAA Life Universal Life

No Surrender Charge; Low Expenses; Early Cash Value Accumulation

United States Life of NY (AIG Co) Elite UL

New York State; Low Premium to Carry; Maximum Death Benefits

United States Life of NY (AIG Co) ContinUL Extend 2007

New York State; Death Benefit Guarantees; Return of Premium; Term Blending; Preferred Loans; Low Guarantee Premiums

West Coast Life LifeTime Advantage 100

Low premium to Endow; Accumulation Sales; 2-year Rolling Target Premium

West Coast Life LifeTime Platinum II

Guaranteed Death Benefit to Lifetime; No Maturity Age

William Penn Life of NY Longevity UL 100

Low Cost Lifetime Death Benefit Guarantee