Survivorship Universal Life Product Design Objectives

Low Premium to Endow & Carry; Maximum DBs

Prudential Financial PruLife SUL Protector

Flexible DB Guarantee to Lifetime; Guaranteed Duration Premium Solves; Underwriting; Maturity Extension

Security Mutual Life of NY Survivorship UL

Low Premium to Endow & Carry

State Farm Life Second to Die

DB Sales; Accumulation Sales; Low Surrender Charges

Sun Life Financial Survivorship LP3

DB Guarantee to Lifetime; Flexibility

Transamerica Occidental Life TransACE Survivor New York

Flexible DB Guarantee to Lifetime; Larger Face Amounts

Transamerica Occidental Life TransAce Survivor 2008

Flexible DB Guarantee to Lifetime; Older Ages

Union Central Life (UNIFI Co.) Excel Survivorship UL

Current Assumption Sales; Flexible DB; Riders

US Life of NY (AIG Co.) Survivorship Premier

DB Guarantee in NY; Maximum Retirement Income

AIG American General Life Platinum Investor Survivor II

Target Premiums; DB Guarantees; Maximum Retirement Income; Maturity Extension; ROP; High Guaranteed Fixed Account Rate

AXA Equitable 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; Accumulation Values

ING “Security Life of Denver” Variable Survivorship Universal Life

Lifetime DB Guarantee Rider; Long Term Accumulation

John Hancock Accumulation SVUL

Age 35-65 Market; Maximum Retirement Income

John Hancock Life Protection SVUL

Lifetime DB Guarantee; 2001 CSO Table; Features & Riders

Lincoln National SVUL ONE 2007

Guaranteed DBs; DB Sales; Cash Accumulation; Hybrid Product

Massachusetts Mutual Life SVUL Guard (SM)

Flexible Low Cost Lifetime Guarantee DB; Accumulation Values

Massachusetts Mutual Life SVUL II

DB Guarantee to Age 100; Low Premium to Endow & Carry; High Cash Value; Maximum Retirement Income

MetLife New England Financial Zenith SL 2002

Older Ages; Minimum Premium to Endow; Maximum DBs; Impaired Risk

MetLife VSL II

DB Guarantees; Maximum DBs; Low Premium to Endow

Midland National Life SVUL

High Cash Accumulation; DB Guarantee to Age 100; Maximum Retirement Income

National Life Sentinel Estate Provider

Lifetime DB Guarantee; Riders

Nationwide Life Best of America Next Generation SVUL

Cash Accumulation; Maximum Income; Liquidity; Low Expenses

Nationwide Life Best of America Protection SVUL

DB Guarantees; Low Endowment Premiums; Low Premium to Carry; Broad Underwriting

New York Life NYLIAC SVUL Accumulator

High Cash Value; Features & Riders; Accumulation Sales; Income; Long Term Values

Northwestern Mutual Life Variable Joint Life

Premium Flexibility; Long Term Values

Northwestern Mutual Life SVUL

Premium Flexibility; Long Term Values

Pacific Life Select Estate Preserver V

Maximum DBs; Maximum Retirement Income; Accounting Benefit Rider; DB Guarantee; Maturity Extension

Penn Mutual Variable Estate Max III

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

Phoenix Life Estate Edge

Low Premium to Endow; Term blending; Cash Value Accum.; Flexibility; Riders

Phoenix Life Edge SVUL

3 Policy Options; Banded COI Rates; Guaranteed DBs, Flexibility; Riders

Sun Life Financial Futurity Survivorship II VUL

DB Guarantees; Supplemental Insurance; Rolling Targets

Guardian Life EstateGuard WL

Increase in Dividends & Cash Value at First Death; Riders

Massachusetts Mutual Life SWL

High Term Blendability; Cash Value Accumulation; Business Applications

Massachusetts Mutual SWL Protector

Low Premiums; Increase in Cash Values at First Death

New York Life SWL

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

Northwestern Mutual Joint CompLife

Premium & Guarantee Flexibility; Optional High Term Blending