American General Life (AIG) Platinum Investor Survivor II
High target premiums; death benefit/premium guarantees; maximum retirement income; maximum death benefits.
Ameritas Life Overture Bravo!
High cash value; maximum retirement income; broad/favorable underwriting.
BMA Clarity Survivorship VUL
Low endowment premium; term blending; underwriting; rolling target premiums.
Equitable Life Survivorship Incentive Life 02
Riders; low premiums to carry; low premiums.
General American Life American Vision JSVUL 2000
Low endowment premium; death benefit/premium guarantees.
Guardian Insurance & Annuity Park Avenue SVUL Millennium Series
Policy exchange; return of premium option.
Jefferson Pilot Life Ensemble SL
Low endowment premium; Low premium to carry; high cash value; maximum retirement income; broad/favorable underwriting; long term values.
John Hancock Life Variable Estate Protection Edge
Flexibility; death benefit/premium guarantees; maximum retirement income; maturity extension.
John Hancock Life Variable Estate Protection Plus
Flexibility; riders.
Lincoln National Life SVUL III
Death benefit/premium guarantees; extended maturity; low premiums.
Manufacturers Life (USA) Venture Survivorship VUL
Premium solves; death benefit/premium guarantees; term rider.
Massachusetts Mutual Life Survivorship VUL II
Death benefit/premium guarantees; low endowment premium; low premium to carry; high cash value; maximum retirement income; broad/favorable underwriting.
Midland National Life VSL
High cash accumulation; death benefit/premium guarantees; maximum retirement income.
MONY Life SVUL
Maturity extension; death benefit/premium guarantees; riders; high guaranteed crediting rate.
Nationwide Provident Survivor Options Elite
Term blending; maturity extension; death benefit/premium guarantees.
Nationwide Provident Survivor Options Premier
Term blending; maturity extension; death benefit/premium guarantees.
Nationwide Financial Best of America Protection SL
Death benefit guarantees; low endowment premiums; low premium to carry; broad underwriting.
Nationwide Financial Best of America Next Generation SL
Cash accumulation; income distribution; low expenses.
New York Life Survivorship VUL
Low endowment premium; high cash value; broad favorable underwriting; riders.
New England Financial Zenith Survivorship Life 2002
Low endowment premium; maximum death benefit; older ages.
Northwestern Mutual Variable Joint Life
Extended maturity; broad preferred class.
Ohio National Life Vari-Vest Survivor
Low endowment premium; high long term values; full death benefit guarantee.
Pacific Life Select Estate Preserver V
Maximum death benefits; maximum retirement income; business applications; death benefit/premium guarantees; maturity extension; policy loans.
Penn Mutual Life Variable Estate Max III
Low endowment premium; low premium to carry; long term values; full death benefit guarantee; riders.
Phoenix Life SVUL
Flexibility; riders; death benefit/premium guarantees; term blending.
Principal Life Survivorship VUL
Full death benefit guarantees; low endowment premium; low premium to carry; broad underwriting.
Protective Life Premiere Survivor VUL
Low premium to endow; long term values; maximum retirement income; trail compensation; terminal illness accelerated death benefits.
Prudential Financial Life Survivorship VUL Underwriting; maturity extension.
ReliaStar Life Variable Accumulation Design Maximum income; high targets; death benefit/premium guarantees; term blending.
ReliaStar Life Variable Estate Design
Maturity extension; maximum income distribution; full death benefit; term blending.
Security Life of Denver Variable SUL
Full death benefit extension; high cash values; income distribution; death benefit/premium guarantees.
Southland Life Survivor Dimensions
Secondary guarantee; maturity extension; persistency refund; term blending.
Sun Life of Canada (US) Futurity Survivorship II VUL
Death benefit/premium guarantees; supplemental insurance; rolling targets; term blending.
Western Reserve Life Freedom Wealth Protector
Full death benefit guarantee; maximum retirement income; low premium to carry; high cash value; broad/favorable underwriting; long term values.
Reproduced from National Underwriter Life & Health/Financial Services Edition, January 27, 2003. Copyright 2003 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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