Variable Life Design Objectives

AIG American General Life Protection Advantage VUL

Flexible Death Benefit Guarantee to Lifetime; Low Premiums to Endow; GMDB Automatic Adjustment Feature; Rolling Targets; GMDB as a Rider; No Tobacco Use Incentive

AIG American General Life Income Advantage VUL

Maximum Income; No M&E Charges After 10 Years; High Early Cash Surrender Values; Overloan Protection; No Tobacco Use Incentive; Guaranteed Minimum Withdrawal Benefit

AIG American General Life Platinum Investor VIP

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

Ameritas Life (UNIFI Co) Protector hVUL

Hybrid VUL; Death Benefit Sales; Low Premium; Flexible Lifetime Guaranteed Death Benefit

Ameritas Life (UNIFI Co) Overture Ovation!

Accumulation Sales; Long-Term Values; Income; Asset Protection Riders

AXA Equitable Life Incentive Life Optimizer

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

AXA Equitable Life Incentive Life Legacy

Flexible Death Benefit Guarantee; Low Minimum Premium to Endow; Accumulation Values; Maximum Income; Overloan Protection; Living Benefits

Guardian Life Flexible Solutions VUL 2008

Accumulation Sales; Business Applications; Long Term Values

Hartford Life Leaders VUL Legacy

Low Premium to Endow; Accelerated Death Benefit Rider; Preferred Plus Issued to Age 85

Hartford Life Leaders VUL Liberty

Maximum Income; Maximum Accumulation Value; Rolling Targets; Accelerated Death Benefit Rider

ING “Security Life of Denver” ING VUL-CV

Supplemental Retirement Income; Cash Value Accumulation; Zero Net Interest Coast Loans in Policy Year 6; No M&E Charges (current); Rolling Targets; Overloan Protection Rider

ING “Security Life of Denver” ING VUL-ECV

High Early Cash Surrender Values; No Surrender Charges; Death Benefit Guarantees to Lifetime

Jackson National Life Perspective Investor VUL

Traditional Compensation; Passive Disciplined Subaccounts; Maximum Retirement Income; Long Term Accumulation; 1035 Exchanges with Loans

Jackson National Life Ultimate Investor VUL

No Surrender Charges; Smoothed Compensation with Trails; Maximum Retirement Income; Long Term Accumulation; 1035 Exchanges with Loans

Jackson National Life Advisor VUL

No Sales Loads; No Surrender Charges; Maximum Retirement Income; Long Term Accumulation; 1035 Exchanges with Loans

John Hancock Life Protection VUL

Flexible Death Benefit Guarantees; Premium Solves; LifeCare Benefit

John Hancock Life Accumulation VUL

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

Lincoln Benefit Life TotalAccumulator

Guaranteed Death Benefits; Cash Value Accumulation; Low Premium to Endow; Low COIs; Long Term Values

Lincoln National Life AssetEdge VUL

Accumulation Sales; Maximum Income

Lincoln National Life VUL ONE 2007

Death Benefit Guarantees; Maximum Death Benefits; Cash Value Accumulation; Low Premium to Endow; Hybrid Product

Massachusetts Mutual Life VUL Guard

Lifetime Guaranteed Death Benefit; Accumulation Values; Four Death Benefit Options

Massachusetts Mutual Life Variable Universal Life II (VULII)

Low Premium to Carry; Death Benefit Guarantees; Riders

MetLife Equity Advantage VUL (2001 CSO)

Cash Value Accumulation; Maximum Retirement Income; Underwriting Flexibility; Flexible Death Benefit Guarantee

Midland National Life VUL-DB

Maximum Income; Low Premium to Endow; Maximum Cash Values; Protection Sales; Lifetime DB Guarantee

Midland National Life VUL-CV

Maximum Income; Guaranteed Death Benefit to Age 70; Accumulation Sales; Long Term Values

Midland National Life Premier VUL1.1

Maximum Income; Low Premium to Endow; Maximum Cash Values; Commission Options