American General (AIG Inc.) Platinum Survivor Ultra
Low premium to carry; high death benefit.
AmerUs Life Ultimate Survivor Series III
Flexibility.
Banner Life Survivor Life
Secondary guarantees.
Canada Life Lifetime 2
Secondary guarantees; term blending.
CNA Insurance Estate Saver 2000
Low premium to carry; secondary guarantees.
Conseco Life Survivor Choice UL 100% EIUL
Low endowment premium; secondary guarantees; equity index option; broad/favorable underwriting.
Conseco Life Survivor Choice UL 100% Portfolio Account/0% EIUL
Low endowment premium; secondary guarantees; equity index option; broad/favorable underwriting.
Conseco Life Survivor Choice UL 50% Portfolio/50% EIUL
Low endowment premium; secondary guarantees; equity index option; broad/favorable underwriting.
Equitable Life Equitable Survivorship UL II
Secondary guarantees; bonus; riders.
First Colony Life Life Two (R)
Flexibility; secondary guarantees; term alternative; term blending; programmed increases.
General American Life American Vision JSUL
Secondary guarantees; low premiums to endow; death benefit focused; impaired risks.
Indianapolis Life Horizon SUL 2001
Secondary guarantees; minimum premium to carry; underwriting.
Jackson National Life JNL Survivorship UL (Last Survivor)
Riders; extended maturity.
Jefferson-Pilot Life Duet 300
Secondary guarantees; extended maturity; low premium to carry; broad/favorable underwriting.
John Hancock Life Universal Life Estate Protection
Extended maturity; secondary guarantees.
Lincoln National Life SUL LPR
Secondary guarantees; persistency bonus; high issue ages; policy split.
Lincoln National Life SUL-IV
Policy split option; maturity extension; persistency bonus; high issue ages; flexibility.
Manufacturers Life (USA) Survivorship UL
Secondary guarantees; flexibility.
MassMutual Financial Group SUL 10
Secondary guarantees; broad underwriting classes; short term; convertible.
MassMutual Financial Group SUL
Low endowment premium; low premium to carry; high cash value; maximum retirement income; broad/favorable underwriting.
MassMutual Financial Group Survivorship Universal Life Guaranteed (SULG)
Secondary guarantees; broad underwriting classes.
MONY Life Survivorship UL
Large face amounts; secondary guarantees; maturity extension; waiver of specified premium; riders.
National Life NL Estate Provider
Term blending; riders; low cost death benefits.
New York Life & Annuity NYLIAC Survivorship UL
Low endowment premium; extended maturity; secondary guarantees; underwriting.
Ohio National Life Survivor Life LP
Low endowment premium; secondary guarantees.
Pacific Life Estate Preserver
Term blending; illustrated values; maturity extension; secondary guarantees.
Penn Mutual Life Estate Max II
Low endowment premium; low premium to carry; long term values; secondary guarantees; riders.
Phoenix Life Estate Legacy II
Riders; abbreviated payment; maturity extension; term blending.
Principal Life Survivorship Universal Life
Broad/favorable underwriting; secondary guarantees; maturity extension; IRRs.
Protective Life Protective Survivor
Low endowment premium; low premium to carry.
ReliaStar Life Elite Estate
Low endowment premium; low premium to carry; flexibility; secondary guarantees; guaranteed limited pay.
ReliaStar Life Estate Choice SE
Secondary guarantees; flexibility; guaranteed limited Pay.
Security-Connecticut Life Survivorship Estate Design
Secondary guarantees; guaranteed limited pay; extended maturity.
Security Mutual Life of New York Estate Conserver
Low endowment premium; low premium to carry; broad/favorable underwriting; impaired risks.
Southland Life Legacy Survivor
Extended maturity; low endowment premium; low premium to carry.
Travelers Life & Annuity Survivorship Life
Low premium to carry; low premium to endow; secondary guarantees; underwriting.
US Life (AIG Inc.), Survivorship Premier
Older ages; high face amounts.
Reproduced from National Underwriter Life & Health/Financial Services Edition, September 2, 2002. Copyright 2002 by The National Underwriter Company in the serial publication. All rights reserved.Copyright in this article as an independent work may be held by the author.
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