Product Design Objectives

AIG American General Life Protection Advantage VUL

Death Benefit (DB) Guarantee to Lifetime; Low Premium to Endow; GMDB Automatic Adjustment Feature; Rolling Targets; GMDB as a Rider; No Tobacco Incentive

AIG American General Life Income Advantage VUL

Maximum Income; No M&E Charges After 10 Years; High Early Cash Values (CV); Overloan Protection; No Tobacco Incentive; Guaranteed Minimum Withdrawal Benefit (GMWB)

AIG American General Life Platinum Investor VIP

Flexibility; Minimum Premium to Endow; Cash Accumulation; Maximum Retirement Income; GMWB; Rolling Targets; Guaranteed Coverage to Age 100; Overloan Protection Rider

Ameritas Life (UNIFI Co.) Protector hVUL

Hybrid VUL; DB Sales; Low Premium; Flexible Lifetime Guaranteed DB

Ameritas Life (UNIFI Co.) Overture Ovation!

Accumulation Sales; Long Term Values; Maximum Income

AXA Equitable Life Incentive Life 06

Flexibility; CV Accumulation; Maximum Retirement Income; Riders/Features; Loan Extension Protection

AXA Equitable Life Incentive Life Legacy

Flexible DB Guarantee; Low Minimum Premium to Endow; Accumulation; Maximum Income; Overloan Protection; Living Benefits

Guardian Life Flexible Solutions VUL 2008

Accumulation Sales; Business Applications; Long Term Values

ING “Reliastar Life” Investor Elite

Cash Value Accumulation; Maximum Retirement Income; Compensation Options

ING “Security Life of Denver” Asset Accumulator VUL

Long Term Cash Accumulation; Retirement Income; No M&E After 10 Years

ING “Security Life of Denver” Asset Portfolio Manager

High CV; Maximum Retirement Income; Long Term Values; Low Premium to Endow and Carry

ING “Security Life of Denver” ING VUL-CV

Maximum Retirement Income; CV Accumulation; Zero Net Coast Loans in Policy Year 6; No M&E Charges (currently); Rolling Targets; Overloan Protection Rider

ING “Security Life of Denver” Strategic Investor

Early Cash Surrender Values; No Surrender Charges; DB Guarantee to Lifetime

Jackson National Life JNL Advisor VUL

Maximum Retirement Income; High Early CVs; Long Term Values

Jackson National Life Ultimate Investor VUL

Maximum Retirement Income; High Early CVs; Long Term Accumulation

Jackson National Life Perspective Investor VUL

Maximum Retirement Income; Long Term Values

John Hancock Life Protection VUL

Flexible DB Guarantees; Premium Solves; LifeCare Benefit

John Hancock Life Accumulation VUL

Maximum Retirement Income; Maximum Accumulation Value; Overloan Protection Rider; Riders

Lincoln Benefit Life Total Accumulator

Guaranteed DBs; CV Accumulation; Low Premium to Endow; Low COIs; Long Term Values

Lincoln Benefit Life Consultant Protector

Maximum DBs; Guaranteed DBs; Low Premium to Endow & Carry; Low COIs; Long Term Values

Lincoln Benefit Life Consultant Accumulator

Guaranteed DBs; CV Accumulation; Low Premium to Endow & Carry; Low COIs; Long Term Values

Lincoln National Life VUL One 2007

DB Guarantees; Maximum DBs; Cash Accumulation; Low Premium to Endow; Hybrid Product

Massachusetts Mutual VUL Guard

Lifetime Guarantee DB; Accumulation Values; DB Option Four

Massachusetts Mutual Life VUL II

Low Premium to Carry; DB Guarantees; Riders

Met Life Equity Advantage VUL (1980 CSO)

CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; DB Guarantee to Age 85; Riders

Met Life – General American Life American Vision VUL 2002

CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; DB Guarantees to Age 100; Additional Riders/Features

Met Life – New England Financial Zenith Flexible Life 2002

CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; DB Guarantees to Age 100; Additional Riders/Features

Met Life Equity Advantage VUL (2001 CSO)

CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; Flexible DB Guarantees; Additional Riders and Features

Midland National Life VUL-CV

Guaranteed Zero Cost loans in year 6; DB Guarantee to Age 70; Accumulation Sales; Long Term Values

Midland National Life Premier VUL1.1

Maximum Income; Low Premium to Endow; Maximum CVs; Commission Options

Midland National Life Foundation VUL1.1

CV Accumulation; Maximum Income; DB Guarantees; Enhanced DCA

Midland National Life Advisor VUL