Company Name: Acacia Life Insurance Co. – A UNIFI Company
Phone number: 800-319-6903
Website: www.unificompanies.com
Product name: Excel LifeValue UL
Availability: All states
Issue ages: 0-85; varies by class
Minimum face amount: $50,000; varies by class
What is the free-look period? 20 days after the policy is delivered
What is the interest rate? Is it guaranteed? 5.40%; guaranteed interest rate is 3.00%
What are the surrender charges, if any? 19 year surrender charge period
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Benefit for Terminal Illness, Accounting Benefit, Supplemental Coverage, Total Disability, Waiver of Monthly Deductions, Other Insured Term, Scheduled Increase, Guaranteed Insurability, Children’s Insurance, Accidental Death Benefit, Insurance Exchange

Company Name: Americo Financial Life and Annuity Insurance Company
Phone number: 800-231-0801, Ext. 8410
Website: www.americo.com
Product name: Lifecrest Index
Availability: All states except AL MS MO NV NY PA VT
Issue ages: 18-65
Minimum face amount: $25,000
What is the free-look period? 20 Days
What is the interest rate? Is it guaranteed? Guaranteed declared interest rate 4%
What are the surrender charges, if any? 15 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Return of Premium, Life time no Lapse Guarantee, No Lapse Guarantee Catch up provision, Guaranteed Income Bonus, indexing option

Company Name: Aviva Life and Annuity Company
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Advantage Builder II
Availability: All states except MT NY
Issue ages: 0-85
Minimum face amount: $100,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Interest rate is linked to indices. Guaranteed to be 2% per year over a 5 or 6 year segment period or at termination, if earlier.
What are the surrender charges, if any? 15-year, declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: No-Lapse Guarantee Rider, Wellness for Life Rider, Accelerated Death Benefit Rider, Life Protector Rider, Primary Insured Rider, Waiver of Monthly Deduction Rider, Waiver of Specified Premium Rider, Accidental Death Benefit Rider, Guaranteed Purchase Option Rider, Death Benefit Return of Premium Rider, Additional Insured Rider, Children’s Insurance Rider

Company Name: Aviva Life and Annuity Company
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Guarantee UL Solution
Availability: All states except MA MT NY
Issue ages: 0-85
Minimum face amount: Issue ages 0-17: $25,000, Issue ages 18+: $50,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Guaranteed minimum annual effective interest rate of 3%
What are the surrender charges, if any? 15-year, declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Build in No-Lapse Guarantee benefit, Wellness for Life Rider, Accelerated Death Benefit Rider, Primary Insured Rider, Waiver of Specified Premium Rider, Life Protector Rider, Guaranteed Purchase Option Rider, Children’s Insurance Rider

Company Name: Aviva Life and Annuity Company
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Lifetime Builder II
Availability: All states except MA MT
Issue ages: 0-85
Minimum face amount: $25,000 for issue ages 0-17, $50,000 for issue ages 18-85, $100,000 for Premier & Preferred
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Linked to growth of indices. Guaranteed to be 2% per year over a 5 or 6 year segment period; or at policy termination, if earlier
What are the surrender charges, if any? 15-year; declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Early Cash Value Rider, Wellness for Life Rider, Accelerated Death Benefit Rider, Waiver of Surrender Charge due to Confinement Rider,
Life Protection Rider, Primary Insured Rider, Waiver of Monthly Deduction Rider, Waiver of Specified Premium Rider, Accidental Death Benefit Rider, Guaranteed Purchase Option Rider, Death Benefit Return of Premium Rider, Additional Insured Rider, Children’s Insurance Rider

Company Name: Aviva Life and Annuity Company
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Patriot Solution II
Availability: All states except MT NY
Issue ages: 0-85 Standard 18-85 Preferred, 18-75 Premier
Minimum face amount: $25,000: Issue Ages 0-17 $50,000: Issue Ages 18+ $100,000: minimum combined base and Primary Insured Rider is required for Preferred or Premier
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Guaranteed minimum annual effective interest rate of 4%
What are the surrender charges, if any? 19-year, declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Built in No-Lapse Guarantee benefit, Wellness for Life Rider, Accelerated Death Benefit Rider, Waiver of Surrender Charge Due to Confinement Rider, Primary Insured Rider, Waiver of Monthly Deductions Rider, Waiver of Specified Premium Rider, Accidental Death Benefit Rider, Guaranteed Purchase Option Rider, Death Benefit Return of Premium Rider, Life Protector Rider, Additional Insured Rider, Children’s Insurance Rider

Company Name: Aviva Life and Annuity Company of New York
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Capital Solution II
Availability: NY
Issue ages: 0-85 Standard, 18-85 Preferred, 18-75 Premier
Minimum face amount: $25,000: Issue ages 0-17, $50,000: Issue ages 18+ $100,000: minimum combined base and Primary Insured Rider is required for Preferred or Premier
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Guaranteed minimum annual effective interest rate of 4%
What are the surrender charges, if any? 19-year, declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Built in No-Lapse Guarantee benefit, Waiver of Surrender Charge Due to Confinement Rider, Primary Insured Rider, Waiver of Monthly Deductions Rider, Waiver of Specified Premium Rider, Accidental Death Benefit Rider, Guaranteed Purchase Option Rider, Death Benefit Return of Premium Rider, Life Protector Rider, Children’s Insurance Rider

Company Name: Aviva Life and Annuity Company of New York
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Empire Solution II
Availability: NY
Issue ages: 0-85
Minimum face amount: $100,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Linked to growth of indices. Guaranteed to be 2% per year over a 5-yr segment period or at termination, if earlier
What are the surrender charges, if any? 15-year, declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: No-Lapse Guarantee Rider, Life Protector Rider, Primary Insured Rider, Waiver of Monthly Deduction Rider, Waiver of Specified Premium Rider,
Accidental Death Benefit Rider, Guaranteed Purchase Option Rider, Death Benefit Return of Premium Rider, Children’s Insurance Rider

Company Name: Aviva Life and Annuity Company of New York
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Guarantee UL Solution
Availability: NY
Issue ages: 0-85
Minimum face amount: Issue ages 0-17: $25,000. Issue ages 18+: $50,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Guaranteed minimum annual effective interest rate of 3%
What are the surrender charges, if any? 15-year, declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Built in No-Lapse Guarantee benefit, Accelerated Primary Insured Rider, Waiver of Specified Premium Rider, Life Protector Rider, Guaranteed Purchase Option Rider, Children’s Insurance Rider

Company Name: Aviva Life and Annuity Company of New York
Phone number: 800-367-3669
Website: www.avivausa.com
Product name: Life Builder
Availability: NY
Issue ages: 0-85
Minimum face amount: $25,000 for issue ages 0-17. $50,000 for issue ages 18-85. $100,000 for Premier & Preferred
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Linked to growth of indices. Guaranteed to be 2% per year over a 5 year segment period; or at policy termination, if earlier
What are the surrender charges, if any? 15-year, declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Early Cash Value Rider, Waiver of Surrender Charge due to Confinement Rider, Life Protector Rider, Waiver of Monthly Deduction Rider, Base Insured Additional Amount Rider, Waiver of Specified Premium Rider, Maturity Extension Rider, Accidental Death Benefit Rider, Guaranteed Purchase Option Rider, Death Benefit Return of Premium Rider, , Children’s Insurance Rider, Additional Insured Rider

Company Name: AXA Equitable
Phone number: 800-924-6669
Website: www.AXADistributors.com
Product name: Athena Universal Life
Availability: All States
Issue ages: 0-85 (Varies by risk class)
Minimum face amount: $50,000; $1,000,000 with Cash Value Plus or Charitable Legacy Rider
What is the free-look period? 10 days (May vary by state)
What is the interest rate? Is it guaranteed? Current Crediting Rate 4.25%; Guaranteed 2%
What are the surrender charges, if any? 20 years and 20 years after a requested face amount increase above the highest previous face amount
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: No lapse Guarantee Rider; Charitable Legacy Rider; Long-Term Care Services Rider; Living Benefit Rider; Return of Premium at Death Benefit Rider; Disability Waiver of Monthly Deductions Rider; Children’s Term Insurance Rider; Substitution of Insured Rider; Cash Value Plus Rider; Loan Extension Endorsement and Option to Purchase Additional Insurance Rider.

Company Name: Bankers Life & Casualty Company
Phone number: 800-231-9150
Website: www.bankers.com
Product name: Turning Point
Availability: All States Except CA MA MS NJ NY PA TX
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? Varies
What is the interest rate? Is it guaranteed? Current 5.15%, Guaranteed 3%
What are the surrender charges, if any? 15 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Death Benefit for Terminal Illness; Primary Insured Level Term; Disability Income; Accidental Death Benefit; Unemployment Waiver of Cost; Additional Insured Level Term; Waiver of Cost; Children’s Term; Waiver of Planned Periodic Premium

Company Name: Colonial Life & Accident Insurance Company
Phone number: 803-798-7000
Website: www.coloniallife.com
Product name: Universal Life 1000
Availability: All states except NY
Issue ages: 0-79
Minimum face amount: Amount purchased by $3.00 weekly premium or $5,000 face amount
What is the free-look period? 31 days
What is the interest rate? Is it guaranteed? Guaranteed credited interest rate of 4%; current credited interest rate of 5.1%
What are the surrender charges, if any? A rate per $1,000 based on age and tobacco use; decreases over time, disappearing after 14 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Long-Term Care Benefit Rider, Restoration of Benefits Rider, Guaranteed Purchase Option Rider, Spouse Term Rider, Children’s Term Rider, Accidental Death Benefit Rider, Waiver of Monthly Deductions Rider, Additional Coverage Term Rider

Company Name: Conseco Insurance Company
Phone number: 888-266-6002
Website: www.conseco.com or www.partnerwith.com
Product name: Conseco LifeOptions
Availability: All states except MA MN MT NJ NY PA VT
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? Generally 10 days, can vary by state
What is the interest rate? Is it guaranteed? Current 5.25%.
What are the surrender charges, if any? 15 year surrendercharge period, will vary by issue age, duration, gender, and underwriting class
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Death Benefit Rider for Terminal Illness; Accidental Death; Additional Insured Level Term; Children’s Level Term; Nursing Care Confinement Waiver of Surrender Charge; Overloan Protection; Primary Insured Term; Waiver of Stipulated Premium Rider

Company Name: EMC National Life Company
Phone number: 800-232-5818
Website: www.mcnl.com
Product name: ULTRA CHOICE UL
Availability: All states except NJ NY
Issue ages: 0-80
Minimum face amount: $10,000
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? 4.15% Guaranteed rate is 3%
What are the surrender charges, if any? 10 years, level for 5 years then graded over the last 5
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Primary Insured Term, Additional Insured Term, Childrens Term, Waiver of Premium, ADB, GIO

Company Name: GPM Life
Phone number: 800 938-4765
Website: www.gpmlife.com
Product name: UNI-Mark
Availability: All states except MA MT NJ NY PA
Issue ages: 0-80
Minimum face amount: $25,000
What is the free-look period? 30 Days
What is the interest rate? Is it guaranteed? $25,000-99,999 Face Amount is 4.6% current, 3% Guaranteed $100,000-249,999 Face Amount is 4.8% current, 3% guaranteed $250,000 and over Face amount is 5.0% current, 3% guaranteed
What are the surrender charges, if any? Surrender charge during the first 20 policy years is based on the insured’s sex, tobacco use and policy rating class
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Additional Insured Rider, Other Insured Rider, Children’s Benefit Rider, Decreasing Additional Insurance Rider, Waiver Cost of Insurance,
Accidental Death Benefit, Guaranteed Benefit Increase

Company Name: Guardian Life
Phone number: 800-441-6455; 800-871-7780, Option 2
Website: www.GuardianLife.com
Product name: EstateGuard SUL
Availability: All states
Issue ages: 20-90
Minimum face amount: $250,000
What is the free-look period? 10-day free look
What is the interest rate? Is it guaranteed? 3.50% guaranteed; 5.50% current
What are the surrender charges, if any? Grading down to zero in year 20, it is the surrender charge target premium times a multiple
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Single Life Term, Policy Split, 4-Year Joint Term, Death Waiver, DuoGuard, 2nd to Die DuoGuard

Company Name: Guardian Life
Phone number:800-441-6455; 800-871-7780, Option 2
Website: www.GuardianLife.com
Product name: Survivorship Universal Life Secondary Guarantee
Availability: All States Except MA MT NV NJ PA
Issue ages: 20-80 80-85 for non-smoker class only–no substandard
Minimum face amount: $250,000
What is the free-look period? 10-day free look
What is the interest rate? Is it guaranteed? 3.00% guaranteed
What are the surrender charges, if any? Grading down to zero in year 20, they are determined at issue and based on issue age, sex, class and policy year
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? No
Additional riders and/or features: Beneficiary Insurance Option, Survivorship Insurance Purchase Option, DWR (WSA), 4-year Joint Term Rider, Policy Split

Company Name: Guardian Life
Phone number: 800-441-6455
Website: www.guardianlife.com
Product name: UltraLife Gold
Availability: All states except MT
Issue ages: 20-85
Minimum face amount: $250,000 for best class; $100,000 for all other classes
What is the free-look period? 10-day free look
What is the interest rate? Is it guaranteed? 3.5% guaranteed interest rate; 5.50% current interest rate
What are the surrender charges, if any? Grading down to zero in year 20, it is a per 1000 amount that varies by issue age
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Waiver of Monthly Deduction, Disability Benefit Rider, Accidental Death Benefit, GIO

Company Name: Guardian Life
Phone number: 800-441-6455; 800-871-7780, Option 2
Website: www.GuardianLife.com
Product name: Universal Life Secondary Guarantee
Availability: All states except MA MT NV NJ PA
Issue ages: 20-80 81-85 for non-smoker class only–no substandard
Minimum face amount: $250,000 for best class; $100,000 all others
What is the free-look period? 10-day free look
What is the interest rate? Is it guaranteed? 3.00% guaranteed
What are the surrender charges, if any? Grading down to zero in year 20, it is based on issue age, sex, class, and policy year. It is determined at issue
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? No
Additional riders and/or features: Disability Benefit Rider, ADB, Whole Life Purchase Option, Exchange of Policy Provision

Company Name: Illinois Mutual
Phone number: 800-437-7355, Ext. 303
Website: www.IllinoisMutual.com
Product name: ValueLife Protector Universal Life
Availability: All states except AK DC HI MA MT NJ NY PA
Issue ages: 18-75
Minimum face amount: $50,000
What is the free-look period? 10-day
What is the interest rate? Is it guaranteed? 4.0% current, 3.5% guaranteed
What are the surrender charges, if any? 100% for 1st 5 years, decreasing 10% each year, no charge after year 15
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Level Term for primary insured, spouse &/or other insured; Child Insurance Rider; Extended Maturity Option; Wash Loan Provision; Disability Waiver; Guaranteed Insurability Rider; Accidental Death Benefit Rider

Company Name: Jackson National Life Insurance Company
Phone number: 800-873-5654
Website: www.jackson.com
Product name: Jackson Accumulator UL
Availability: All states except NY
Issue ages: 0-90
Minimum face amount: $50,000
What is the free-look period? 20 days, or as permitted by state law
What is the interest rate? Is it guaranteed? Current 5.50%; guaranteed 4.0%
What are the surrender charges, if any? There is a nine-year surrender charge schedule that will be defined as a dollar amount per $1000 of Specified Death Benefit, which will vary by sex, underwriting classification, age and duration.
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Policy Preserver Overloan Protection, Terminal Illness Benefit, Accelerated Living Benefit Rider, Child Insurance Rider, Other Insured Term Rider, Accidental Death Benefit.

Company Name: Life Insurance Company of the Southwest
Phone number: 214-638-7100
Website: www.lifeofsouthwest.com
Product name: Foundation
Availability: All states except MT NY
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? Currently 5%; guaranteed 4%
What are the surrender charges, if any? 15 year schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal, chronic, and critical illness accelerated benefit riders, disability income, long term care, waiver of target premium.

Company Name: Life Insurance Company of the Southwest
Phone number: 214-638-7100
Website: www.lifeofsouthwest.com
Product name: Harbor
Availability: All states except MT NY
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? Currently 5%; minimum guarantee is 5% for 10 years, 3% thereafter
What are the surrender charges, if any? 15 year declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal, chronic illness and critical illness accelerated benefits, disability income, long term care, other insured rider, overloan protection, qualified plan exchange, waiver of specified premium

Company Name: Life Insurance Company of the Southwest
Phone number: 214-638-7100
Website: www.lifeofsouthwest.com
Product name: Horizon
Availability: All states except MT NY
Issue ages: 0-85
Minimum face amount: $100,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? Currently 5%; minimum guarantee is 4%
What are the surrender charges, if any? 10-year declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal, chronic, critical illness accelerated benefits, disability income, long-term care, oveloan protection, waiver of specified premium, other insured rider, qualified plan exchange

Company Name: Life Insurance Company of the Southwest
Phone number: 214-638-7100
Website: www.lifeofsouthwest.com
Product name: SecurePlus Paragon Indexed UL
Availability: All states except MT NY
Issue ages: 0-85
Minimum face amount: $100,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? 4 indexed account available; 1 fixed account currently crediting 6%, minimum fixed account guaranteed rate is 2.5%
What are the surrender charges, if any? 10 year declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal, chronic, and critical illness accelerated benefits; disability income, long term care, waiver of target, other insured term, high early cash values

Company Name: Life Insurance Company of the Southwest
Phone number: 214-638-7100
Website: www.lifeofsouthwest.com
Product name: SecurePlus Provider Indexed UL
Availability: All states except MT NY
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? 3 indexed crediting options; 1 fixed account currently crediting 5.5%, guaranteed rate of 2%
What are the surrender charges, if any? 10 year declining schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal, chronic and critical illness accelerated benefits riders; disability income; long term care; other insured rider; overloan protection; waiver of target premium;

Company Name: Lincoln Financial Distributors
Phone number: 866-888-9822
Website: www.lfg.com
Product name: LifeGuaranteeUL
Availability: All states
Issue ages: 20-85
Minimum face amount: $100,000 (simplified issue: $25,000)
What is the free-look period? N/A
What is the interest rate? Is it guaranteed? 3.00% current and guaranteed
What are the surrender charges, if any? 19 year surrender charge period
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Benefits Rider Children’s Term Supplemental Term Disability Waiver of Premium or specified amount

Company Name: M&O Marketing
Phone number: 800-228-5964
Website: www.mandomarketing.com
Product name: Universal Life
Availability: All states
Issue ages: 0-90
Minimum face amount: $25,000
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? Varies
What are the surrender charges, if any? Vary
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Waiver of Premium, Child Rider, Other Insured Rider

Company Name: MetLife Investors USA
Phone number: 1-800-METLIFE
Website: www.metlife.com
Product name: Guarantee Advantage UL
Availability: All states
Issue ages: Ages 0-85 (varies by underwriting class)
Minimum face amount: $50,000 (varies by underwriting class)
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? 5.60% without the Coverage Continuation Rider 5.70% with the Coverage Continuation Rider Not guaranteed
What are the surrender charges, if any? Declining surrender charges for first 15 years of the policy
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Coverage Continuation Rider, Waiver of Specified Premium, Acceleration of Death Benefit Rider, LTC Guaranteed Purchase Option, Guaranteed Survivor Plus Purchase Option, Guaranteed Survivor Income Benefit

Company Name: Midland National
Phone number: 800-843-3316
Website: www.mnlife.com
Product name: Essential Guaranteed UL
Availability: All states except CA CT MA MT TX VA.
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? 3.5% current, 2.5% guaranteed
What are the surrender charges, if any? 20 years, declining
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Premium Guarantee Rider (included), ABR-Chronic, ABR-Terminal; Waiver of Charges, Flexible Disability Benefit, CIR

Company Name: Midland National
Phone number: 800-843-3316
Website: www.mnlife.com
Product name: UL-CV
Availability: All states except NY
Issue ages: 0-75
Minimum face amount: $25,000
What is the free-look period? 20 days generally
What is the interest rate? Is it guaranteed? 6% first year current & guaranteed, 6% current, 3% guaranteed thereafter
What are the surrender charges, if any? 15 Years, declining Base Plan; 0 years using Waiver of Surrender charges
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Waiver of Surrender Charge, ABR-Chronic, ABR-Terminal; Overloan; Waiver of Charges, Flexible Disability Benefit, CIR

Company Name: Midland National
Phone number: 800-843-3316
Website: www.mnlife.com
Product name: UL-DB
Availability: All states except NY
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 20 days in most states
What is the interest rate? Is it guaranteed? 6% current, 3% guaranteed
What are the surrender charges, if any? 20 years, declining
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Optional Premium Guarantee Rider, ABR-Chronic, ABR-Terminal; Waiver of Charges, Flexible Disability Benefit, CIR

Company Name: Midland National
Phone number: 800-843-3316
Website: www.mnlife.com
Product name: XL-CV2
Availability: All states except NY
Issue ages: 0-75
Minimum face amount: $25,000
What is the free-look period? 20 days in most states
What is the interest rate? Is it guaranteed? Current: linked to external indexes, Guaranteed: 3% average
What are the surrender charges, if any? 15 years, declining
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Protected Flexibility Rider, ABR-Chronic, ABR-Terminal; Waiver of Charges, Flexible Disability Benefit, CIR

Company Name: Midland National
Phone number: 800-843-3316
Website: www.mnlife.com
Product name: XL-DB
Availability: All states except NY
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 20 days in most states
What is the interest rate? Is it guaranteed? current: linked to external indexes; guaranteed: 3% average
What are the surrender charges, if any? 20 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Premium Guarantee Rider, Protected Flexibility Rider, ABR-Chronic, ABR-Terminal; Waiver of Charges, Flexible Disability Benefit, CIR

Company Name: Midland National
Phone number: 800-843-3316
Website: www.mnlife.com
Product name: XL-EC2
Availability: All states except NY
Issue ages: 0-80
Minimum face amount: $100,000
What is the free-look period? 20 days in most states
What is the interest rate? Is it guaranteed? Current: linked to external indexes; guaranteed: 3% average
What are the surrender charges, if any? 14 years on base plan; 0 years with Waiver of Surrender charge option
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Waiver of Surrender Charges, Protected Flexibility Rider, ABR-Chronic, ABR-Terminal; Waiver of Charges, Flexible Disability Benefit, CIR

Company Name: MTL Insurance Company, a member of Mutual Trust Financial Group
Phone number: 800-323-7320
Website: www.mutualtrust.com
Product name: Vanguard Silver
Availability: All states except AK NY
Issue ages: 0-80
Minimum face amount: $100,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? 3.75% in June 2009; guarantee is 3%
What are the surrender charges, if any? Varies by issue age, duration, sex and Tobacco/Non-Tobacco distinction. There is no surrender charge after the 20th duration of the original coverage or the 20th duration of any increase in coverage.
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Waiver of Monthly Deduction Accidental Death Benefit Guaranteed Purchase Option

Company Name: National Life Insurance Company
Phone number: 802-229-3333
Website: www.nationallife.com
Product name: AssurePlus Protector
Availability: All states
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? Currently 6%; 3% minimum guaranteed interest rate; current rate is guaranteed for 1 year from time of payment
What are the surrender charges, if any? 19 year surrender charge period
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal & chronic illness accelerated benefit rider, other insured term rider, overloan protection, long term care riders, qualfied plan exchange privilege, waiver of specified premium, waiver of monthly deduction

Company Name:National Life Insurance Company
Phone number: 802-229-3333
Website: www.nationallife.com
Product name: Investor Select Variable Universal Life
Availability: All states except PA
Issue ages: 0-85
Minimum face amount: $50,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? 48 variable subaccounts; 1 fixed account
What are the surrender charges, if any? 10 year surrender charge period
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal and chronic accelerated benefits; long-term care riders; overloan protection, other insured rider, qualified plan exchange privilege; waiver of specified premium; waiver of monthly deduction

Company Name: National Life Insurance Company
Phone number: 802-229-3333
Website: www.nationallife.com
Product name: NL Estate Provider Survivorship UL
Availability: All states except CA MS PA
Issue ages: 15-90
Minimum face amount: $100,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? Currently crediting 5.75%; guaranteed rate is 4.00%
What are the surrender charges, if any? 15 year surrender charge period
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Individual term rider; estate preservation rider; continuing coverage rider; policy split option

Company Name: National Life Insurance Company
Phone number: 802-229-3813
Website: www.nationallife.com
Product name: Ultra Select Indexed Universal Life
Availability: All states
Issue ages: 0-85
Minimum face amount: $25,000
What is the free-look period? 10 days
What is the interest rate? Is it guaranteed? 4 indexed interest strategies; one fixed account currently crediting 6%
What are the surrender charges, if any? 10 year surrender charge period
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Terminal & chronic accelerated benefit riders; long term care riders; overloan protection; waiver of specified premium; waiver of monthly deduction

Company Name: Nationwide Financial
Phone number: 800-321-6064
Website: www.nationwide.com/subsites/ssclogin.jsp
Product name: Nationwide YourLife Current Assumption UL
Availability: All states except PA
Issue ages: 0-85 (Standard NT); 18-85 (Standard Tobacco); 18-80 (Preferred classes)
Minimum face amount: $25,000 for Standard; $100,000 (Preferred classes)
What is the free-look period? 10 Days (varies by states requirements)
What is the interest rate? Is it guaranteed? Tiered Interest Rate by Face Amount on Current basis: 5% ($1m +); 4.75% ($500k+); 4.25% ($250k+); 3.75% ($100k+); 3.25% ($50k+); 3% ($25k+) 3% (Guaranteed)
What are the surrender charges, if any? 20 year declining surrender charge
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: LTC Rider with Nationwide CareGuide Network, Nationwide YourLife Wellness, Accelerated Death Benefit, Accidental Death Benefit, Overloan Lapse, Premium Waiver, Spouse, Child, Waiver of Monthly Deductions, Surrender Value Enhancement Benefit

Company Name: Nationwide Financial
Phone number: 800-321-6064
Website: www.nationwide.com/subsites/ssclogin.jsp
Product name: Nationwide YourLife Single Premium UL
Availability: All states except MA PA
Issue ages: 35-80
Minimum face amount: N/A; Minimum Single Premium is $10,000
What is the free-look period? 10 Days (varies by states requirements)
What is the interest rate? Is it guaranteed? 4% (Current); 3% (Guaranteed)
What are the surrender charges, if any? There will be a 10 year declining surrender charge associated with the first premium payment. Surrender charges will apply to full or partial surrenders in excess of penalty free amounts (5% of net surrender value at the beginning of the policy year) during the first 10 years following the first premium payment
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: LTC Rider with Nationwide CareGuide Network, Simplified Underwriting (including LTC), Return of Premium, Penalty Free Partial Surrenders, Nationwide YourLife Wellness, Accelerated Death Benefit

Company Name: Nationwide Financial
Phone number: 800-321-6064
Website: www.nationwide.com/subsites/ssclogin.jsp
Product name: Nationwide YourLife No Lapse Guarantee UL
Availability: All states except AZ CA CT DE FL HI IL IN KY ME MD MA MN MO MT NE NV NJ NM NY NC OH OR PA TX UT VT VA.
Issue ages: Ages 18-85; Ages 18-80 (Preferred classes)
Minimum face amount: $100,000
What is the free-look period? 10 Days (varies by states requirements)
What is the interest rate? Is it guaranteed? 3.00% (Current and Guaranteed)
What are the surrender charges, if any? Declines to 0% in the leseer of the 20th year or attained age 100
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: LTC Rider w/ Nationwide CareGuide Network, Automated Premium Monitor, Supplemental Coverage, Owner Directed Settlement Options, Spouse, Child, Waiver of Monthly Deductions, Accidental Death, Accelerated Benefit

Company Name: North American Company for Life and Health
Phone number: 312-648-7600
Website: www.nacolah.com
Product name: Builder IUL
Availability: All states except NY
Issue ages: 15 days – 80 years
Minimum face amount: $25,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Current: linked to external indices guaranteed: fixed account is 2.5%
What are the surrender charges, if any? 20 year decreasing schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Benefit Endorsement, Accidental Death Benefit Rider, Children’s Term Rider, Chronic Illness Accelerated Benefit Rider, Paid Up Protection Rider, Protected Pour In Rider, Waiver of Monthly Deductions Rider, Waiver of Surrender Charge Endorsement

Company Name: North American Company for Life and Health
Phone number: 312-648-7600
Website: www.nacolah.com
Product name: Custom GrowthCV
Availability: All states except NY
Issue ages: 15 days – 75 years
Minimum face amount: $25,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Current: 6% guaranteed: 3%
What are the surrender charges, if any? 15 year decreasing schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accidental Death Benefit Rider, Children’s Term Rider, Chronic Illness Accelerated Benefit Rider, Guaranteed Insurability Rider, Waiver of Monthly Deductions Rider

Company Name: North American Company for Life and Health
Phone number: 312-648-7600
Website: www.nacolah.com
Product name: Custom Guarantee
Availability: All states except NY
Issue ages: 15 days – 85 years
Minimum face amount: $50,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Current: 4.15% guaranteed: 3%
What are the surrender charges, if any? 20 year decreasing schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accidental Death Benefit Rider, Children’s Term Rider, Chronic Illness Accelerated Benefit Rider, Guaranteed Insurability Rider,
Waiver of Monthly Deductions

Company Name: North American Company for Life and Health
Phone number: 312-648-7600
Website: www.nacolah.com
Product name: Custom TermGUL
Availability: All states except NY
Issue ages: 15 days – 85 years
Minimum face amount: $25,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Current: 6% guaranteed: 2.5%
What are the surrender charges, if any? 20 year decreasing schedule or to age 95, if less
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accidental Death Benefit Rider, Children’s Term Rider, Chronic Illness Accelerated Benefit Rider, Guaranteed Insurability Rider,
Premium Guarantee Rider, Waiver of Monthly Deductions

Company Name: North American Company for Life and Health
Phone number: 312-648-7600
Website: www.nacolah.com
Product name: Guarantee Builder IUL
Availability: All states except NY
Issue ages: 15 days – 80 years
Minimum face amount: $50,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Current: linked to external indices guaranteed: 0% on the indexed accounts, 2.5% on the fixed account
What are the surrender charges, if any? 20 years decreasing schedule
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Benefit Endorsement, Accidental Death Benefit Rider, Children’s Term Rider, Chronic Illness Accelerated Benefit Rider,
No Lapse Guarantee Rider, Paid Up Protection Rider, Protected Pour In Rider, Waiver of Monthly Deductions Rider, Waiver of Surrender Charge Endorsement

Company Name: North American Company for Life and Health
Phone number: 312-648-7600
Website: www.nacolah.com
Product name: Rapid Builder IUL
Availability: All states except MA NY
Issue ages: 15 days – 80 years
Minimum face amount: $100,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Current: linked to external indices guaranteed: 3% on the fixed accounts
What are the surrender charges, if any? Lesser of 15 years (decreasing schedule) or to age 75 but never less than 10 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Benefit Endorsement, Accidental Death Benefit Rider, Children’s Term Rider, Chronic Illness Accelerated Benefit Rider,
Waiver of Monthly Deductions Rider, Waiver of Surrender Charge Endorsement

Company Name: Ohio National Financial Services
Phone number: 513-794-6100
Website: www.ohionational.com
Product name: Virtus Value II
Availability: All states except AK HI NY
Issue ages: 18-85
Minimum face amount: $100,000
What is the free-look period? 20 days
What is the interest rate? Is it guaranteed? Current rate is 5.00% / 5.25% for face amounts of $250,000 or greater. Guaranteed rate is 3.00%
What are the surrender charges, if any? Vary by age, class and face amount at issue
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Additional Coverage Rider Preferred Loan Rider Waiver of Premium for Disability Rider Lifetime Advantage Rider (Accelerated Death Benefit)

Company Name: Penn Mutual Life
Phone number: 800-873-7654
Website: www.pennmutual.com
Product name: Guaranteed Protection UL
Availability: All states
Issue ages: 0-85
Minimum face amount: $50,000
What is the free-look period? Varies by state.
What is the interest rate? Is it guaranteed? 6.00%; No
What are the surrender charges, if any? 14 years grading to 0 in year 15
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Disability Completion Benefit, Waiver of Monthly Deductions

Company Name: RBC Insurance
Phone number: 888-262-8131
Website: www.rbcinsurance.com/us
Product name: RBC Index Enhanced Universal Life
Availability: All states except MA MN NJ NY PA VT
Issue ages: 0-80
Minimum face amount: $100,000
What is the free-look period? 31 Days
What is the interest rate? Is it guaranteed? Fixed Account: 3.75% as of July 1, 2009. 2.0% Guaranteed
What are the surrender charges, if any? 19 Years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Interest credit based on the performance of a stock price index with downside protection

Company Name: Royal Neighbors of America
Phone number: 800.770.4561
Website: www.royalneighbors.org
Product name: SecureLife UL
Availability: AZ CA
Issue ages: 16-85 super preferred non-tobacco; 16-85 preferred non-tobacco; 0-85 standard non-tobacco; 16-75 preferred tobacco; 16-75 standard tobacco
Minimum face amount: $100,000 super preferred non-tobacco, preferred non-tobacco, and preferred tobacco; $25,000 standard non-tobacco and standard tobacco
What is the free-look period? 20 days after date certificate is delivered to owner
What is the interest rate? Is it guaranteed? Guaranteed minimum interest rate of 3%; current crediting rate of 5%
What are the surrender charges, if any? Year 1 charge is 14% grading down to 0 in year 11; 14,13,12,11,10,9,8,6,4,2,0,
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated living benefit, Accidental death benefit, Guaranteed insurability

Company Name: Senior Market Sales, Inc.
Phone number: 800-786-5566
Website: www.seniormarketsales.com
Product name: Fixed Universal Life
Availability: All states
Issue ages: 0-85
Minimum face amount: $2,500
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? 6.0% Not guaranteed. Guaranteed rate is 3.0%
What are the surrender charges, if any? 10-15 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Death Benefit Rider, Long Term Care Rider, Guaranteed Death Benefit Rider, Table Shaving Rider

Company Name: Sun Life Financial
Phone number: 781-446-2471
Website: www.sunlife-usa.com
Product name: Sun Universal Protector
Availability: All states
Issue ages: 18-85
Minimum face amount: $100,000
What is the free-look period? 30 Day most states
What is the interest rate? Is it guaranteed? 4.85% current rate for July 2009, 3.0% guaranteed
What are the surrender charges, if any? Surrender charge applies if policy is surrender within the first 19 policy years.
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Lapse Protection rider, Accelerated benefits, Charitable Giving Benefit Rider – no cost, up to 1% of death benefit to charity of your choice,
Assist America – no cost, global emergency travel service

Company Name: Symetra Life Insurance Company
Phone number: 800-706-0700
Website: www.symetra.com/financial
Product name: Symetra Successor Single Premium Life
Availability: All states except MD MA NY PA VA
Issue ages: 15 years through 85 years Non-nicotine and Nicotine
Minimum face amount: $10,000
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? Currently the interest rate is 2.75%, net of all charges. Guaranteed minimum of 3 percent gross (gross interest rate is before insurance charges are deducted).
What are the surrender charges, if any? For Full Surrender it is the following schedule of percent times the single premium, less any prior withdrawals: Year 1: 7% Year 2: 7% Year 3: 7% Year 4: 7% Year 5: 6% Year 6: 5% Year 7: 4% Year 8: 3% Year 9: 2% Year 10: 1% Year 11+: no surrender charge. For partial withdrawal in excess of 10% of the accumulation fund, the surrender charge is the applicable percentage in the above table multiplied by the withdrawal amount never to exceed that charge that would be taken by full surrender
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? No
Additional riders and/or features: Subject to state approval: Return of Premium, Accelerated Death Benefit for Nursing Home Care, Accelerated Death Benefit for Terminal Illness, Guaranteed Death Benefit Option, Extended Maturity Benefit.

Company Name: Texas Life Insurance Company
Phone number: 800-283-9233
Website: www.texaslife.com
Product name: PureLife
Availability: All states except
Issue ages: 17-70, employees 17-60, spouses 15 days-18, children
Minimum face amount: $10,000
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? 3% guaranteed
What are the surrender charges, if any? None
Are loans available? Yes
Are withdrawals allowed? No
Are unscheduled premium payments allowed (to build cash value)? No
Additional riders and/or features: Accidental Death Benefit, Waiver of Premium

Company Name: Transamerica Worksite Marketing
Phone number: 800-400-3042
Website: www.transamericaworksite.com
Product name: TransLegacy
Availability: All states except MT & PR
Issue ages: Employee 16-70; Spouse 16-65; Child 15 days to 24
Minimum face amount: $5,000
What is the free-look period? 30 day
What is the interest rate? Is it guaranteed? Minimum guaranteed is 4%; Current rate subject to change
What are the surrender charges, if any? 14 year surrender charge, level year 1-4 decreasing for remainder of 14 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Inherent: Waiver of MD due to Layoff & ADB for Term Illness; optional: Waiver of MD for Total Disability, ADB for Long term Care,
Extension of Benefits, ADB for Critical Care Condition, AD&D

Company Name: Underwriters Marketing Service, Inc.
Phone number: 800-524-1774
Website: www.callums.com
Product name: Custom Growth CV
Availability: All states except NY OR WI
Issue ages: 15 days to age 75
Minimum face amount: $25,000
What is the free-look period? 30
What is the interest rate? Is it guaranteed? 6% current, 3% guaranteed
What are the surrender charges, if any? The Waiver of Surrender Charge Option will waive the surrender charges unless the policy is surrendered as a 1035 Exchange and sent to another company. This option must be selected at the time of application
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Accelerated Benefit Endorsement, Accidental Death Benefit Rider, Childrens Term Rider, Chronic Illness Accelerated Benefit Rider, Guaranteed Insurability Rider, Waiver of Monthly Deductions Rider

Company Name: United of Omaha
Phone number: 800-693-6083
Website: www.mutualofomaha.com
Product name: Guaranteed Universal Life Complete
Availability: All states
Issue ages: 18 to 85 age last birthday
Minimum face amount: $100,000 issue ages 18-85 $ 50,000 issue ages 66-85
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? 3.00%
What are the surrender charges, if any? Surrender Charges Period: 19yrs. Surrender charge amounts vary by sex, age, and risk class
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Guaranteed to age 120, unlimited catch up provision. Riders: Disability Rider, Accidental Death Benefit Rider, Child Rider,
Guaranteed Insurability Rider, Waiver of Surrender Charge Rider for Partial Withdrawals, Accelerated Death Benefit for Terminal and Chronic Illness

Company Name: Unum
Phone number: 800-874-7496
Website: www.unum.com
Product name: Voluntary Individual Universal Life
Availability: All states
Issue ages: 15-80
Minimum face amount: $2,000 and $3 weekly premium
What is the free-look period? 30 days
What is the interest rate? Is it guaranteed? 3% guaranteed
What are the surrender charges, if any? 14 year decreasing surrender charge period
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? No
Additional riders and/or features: Qualified Long term care rider (not available in all states), Accidental Death Benefit, Child Term Rider, Automatic Increase Rider, Living Benefit Option Rider, Waiver of Monthly Deductions

Company Name: Western Reserve Life
Phone number: 800-443-9975
Website: www.westernreserve.com
Product name: WRL Lifetime
Availability: All states except NY
Issue ages: 0-85
Minimum face amount: Age 0-49: $50,000; Age 50-85: $35,000
What is the free-look period? Varies by state
What is the interest rate? Is it guaranteed? Current Rate 4.10%; Guaranteed Rate 4.00%
What are the surrender charges, if any? Decreasing over 15 years
Are loans available? Yes
Are withdrawals allowed? Yes
Are unscheduled premium payments allowed (to build cash value)? Yes
Additional riders and/or features: Disability Waiver of Monthly Deduction Rider, Disability Waiver of Premium Rider, Children’s Benefit Rider, Guaranteed Insurability Benefit Rider, Accidental Death Benefit Rider