Whole Life Policy Strengths

Guardian Life Whole Life 100/1000/Paid-Up at 96

Term blending; riders.

Lafayette Life GPWL ("Levelized")

Graded premium whole life; compares favorably with blended products.

Lafayette Life Contender

Long Term Care rider; flexibility; balance of cash value and death benefits.

Manulife Financial Premier Whole Life

Low premiums; maximum death benefits; term riders; smoker incentive.

Massachusetts Mutual Life High Early Cash Value WL

Business applications; dump-ins/rollovers; term blending.

Massachusetts Mutual Life Whole Life 9900

Designed for low premiums and maximum death benefits.

MetLife L-98

Riders; flexibility; cash values.

MONY Life Whole Life

Business applications; maturity extension; riders; flexibility.

Mutual Trust Life Covenant

High early cash values; PUA flexibility; term blending; cash value accumulation; 1035 exchanges.

National Life NL LifeCare

Cash value accumulation; Long Term Care rider; payment options; smoker incentive.

Northwestern Mutual Life Adjustable CompLife

Term blending flexibility; dump-ins/rollovers.

Northwestern Mutual Life Select 100

Special underwriting expertise; long term value; low premiums; nonsmokers.

New York Life AD 101 Whole Life

Advanced market; term blending; substandard classes; business applications; riders.

Ohio National Life XPXL Executive Protector Excel

Long term accumulation values and death benefit performance; term blending; low premiums.

Penn Mutual Life LifeWise/LifeWise Plus

Flexible riders; business applications.

Security Mutual Life of NY Customizer 5

Guarantees to eight payments available; riders.

Sun Life Permanent Life Plus

Low cost protection.

Union Central Whole Life 98

Flexibility; term blending; over age 55 market.

Reproduced from National Underwriter Edition, May 5, 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.