Acacia Life Flex Account Ultra
Lifetime Death Benefit Rider; Accumulation Sales; Long-Term Values; Maximum Retirement Income; Living Benefits
AIG American General Life ContinUL
Death Benefit Guarantees; Return of Premium; Term Blending; Preferred Loans; Low Guarantee Premiums
AIG American General Life Elite UL 2003
Low Premium to Carry; Low Cost Death Benefits
AIG American General Life Elite Universal Life-G 2003
Lifetime Death Benefit Guarantee; Maximum Death Benefits; Low Premium to Carry; Limited Payment Scenarios
AIG American General Life Platinum Provider Ultra 2003
Low Premiums; Death Benefits; Business Applications; Supplemental Insurance Blending
AIG American General Life Platinum Provider Ultra G 2003
Death Benefit Guarantees; Catch-Up Provision; High Issue Ages; Return of Premium
AIG American General Life Platinum Protector G
Low Cost Death Benefits; Term Alternative; Full Death Benefit Guarantee
AmerUs Life Freedom ULFlex
Low Face Amounts; Low Premium Payment Solves; No Current Expenses After Year 5
AmerUs Life Vision Builder Series II (EIUL)
Equity Indexed UL; Death Benefit Guarantee to Age 100; Bonus
AmerUs Life Freedom ULC 2004
Maximum Death Benefits; Standard & Older Insureds; Low Premium to Carry; Death Benefit Guarantee to Age 100
AmerUs Life Advantage Builder (EIUL)
Equity Indexed UL; Death Benefit Guarantee to Age 100
Banner Life Continuity Lifetime UL
Lifetime Guaranteed Premiums; Full Death Benefit Guarantee
Conseco Life Indexed UL 2 (EIUL)
Equity Indexed UL; Death Benefit Guarantees; Bonus
Conseco Life Universal Life
Bonus; Low Premium to Endow & Carry; Death Benefit Guarantees
Equitable Life Athena Universal Life II
Term Alternative; Premium Financing; Lifetime No-lapse Guarantee
First Colony Life Lifetime Protector 50+ (SM)
Designed for Ages 50+; Lifetime Guarantee
First Colony Life Lifetime Protector Flex (SM)
Maximum Death Benefits; Flexible Death Benefit Guarantees
General America Life UL Secondary Guarantee
Lifetime Death Benefit Guarantee; Low Premium
Indianapolis Life Horizon ULFlex 2001
Low Face Amounts; Low Premium Payment Solves; No Current Expenses After Year 5
Indianapolis Life Vista Elite Series II (EIUL)
Equity Indexed UL; Death Benefit Guarantee to Age 100; Bonus
Indianapolis Life Horizon ULC 2004
Maximum Death Benefits; Standard & Older Insureds; Low Premium to Carry; Death Benefit Guarantee to Age 100
Indianapolis Life Vista Advantage (EIUL)
Equity Indexed UL; Lifetime No Lapse Rider
ING – ReliaStar Life GPUL
Lifetime Death Benefit Guarantee
ING – ReliaStar Life LDGUL
Term Blendability; 1035 Rescue; Short Pay Scenarios; Up to Lifetime DB Guarantee
ING – ReliaStar Life Premier Design
Low Cost Death Benefits; Low Premium to Endow
ING – Security Life of Denver Explorer UL
Long-Term Performance; No Maturity Date; Guaranteed Issue for 10+ Lives; Adjustable Term Rider
ING – Security Life of Denver Strategic Accumulator
Accumulation Sales
Jackson National Life Generations UL
Death Benefit Sales; Lifetime Death Benefit Guarantee
Jefferson-Pilot Life Legend 300 XG
Death Benefit Sales; No Maturity Date; Low Premium to Carry
Jefferson-Pilot Life Legend 300 Plus
Death Benefit Guarantee to Age 100; No Maturity Date; Various Sales Scenarios
Jefferson-Pilot Life Legend 300
Low Premium Solves; Long-Term Values; Low COI; Maximum Death Benefits
Jefferson-Pilot Life Legend 400
Maximum Retirement Income; Extended Maturity
John Hancock Life Protection UL
Flexible DB Guarantees; Low Endowment Premium; LifeCare Benefit
John Hancock Life Performance UL Core
Accumulation Sales; Maximum Retirement Income; LifeCare Benefit
John Hancock Life Performance UL
High Cash Value; Maximum Retirement Income; LifeCare Benefit
Lincoln Benefit Life Legacy Secure
Lifetime Death Benefit Guarantees
Lincoln Benefit Life Ultra Plus
Accumulation Sales; Long-Term Values (20-30 years)
Lincoln National Life UL-DB
Low Premium to Endow; 5 Year No Lapse
Lincoln National Life UL LPR 5
Low Cost Lifetime Death Benefit Guarantee
Manufacturers Life (U.S.A.) Manulife UL-G 2004
Payment Duration Scenarios; Lifetime Guarantee
Massachusetts Mutual Life (CM Life) UL 2 Guaranteed
Full Death Benefit Guarantee; Broad/Favorable Underwriting
Massachusetts Mutual Life (CM Life) UL 2
Low Premium to Endow; Low Premium to Carry; Accumulation Sales; Long-Term Values
Midland National Life Premier UL 4
No Load; Cash Value Accumulation; Bonuses
Midland National Life Innovation UL 2
Death Benefit Guarantee to Age 100; Extended Maturity; Low Premium to Carry; Maximum Death Benefits
Midland National Life Executive UL 5
Cash Value Accumulation; Maximum Income
Mutual of Omaha Life Priority Max
Lifetime Death Benefit Guarantee; Short Pay Scenarios; Bonus; Cash Values
National Life NaviTrak II
Included Living Benefits; Lifetime Death Benefit Guarantee; Bonus; Long Term Care Rider
Nationwide Life UL 100
Low Premium to Endow; Guaranteed Death Benefit to Age 100
Nationwide Life Nationwide Legacy Provider
Age 100; Death Benefit Guarantee Sales Only
New York Life NYLIAC Protector
Business Applications; Term Alternative; Low Premium to Carry; Maximum Death Benefits
New York Life NYLIAC Accumulator
Cash Value Accumulation; Maximum Retirement Income
New York Life NYLIAC Pinnacle UL AD104
No Surrender Charges w/ Front Load; Low COIs; Flexible Riders; Qualified and Non-Qualified Sales; Long-Term Performance
North American Life Custom TermUL
Term-Alternative; Low Premium to Carry to Age 100; Low Cost Death Benefits; 10 Year No-lapse Guarantees; Extended Maturity Option; Protected Pour-In; Interest Bonus; Full Spectrum Underwriting
North American Life Custom Guarantee
Lifetime Death Benefit Guarantee; Dial-a-Guarantee Flexibility; No-lapse Guarantees; Protected Pour-In; Low Minimum Face Amount; Full Spectrum Underwriting
North American Life Custom Extra
Low Cost Death Benefit; No-lapse Guarantees; Extended Maturity; Low Minimum Face; Various Sales Scenarios; Full Spectrum Underwriting
North American Life Custom Accumulator
Guaranteed Return of Premium; Cash Value Accumulation; Lifetime Coverage; Extended Maturity; Short Surrender Period; Low Cost Net Loans; Single Premium Asset Reallocation; 1035 Exchanges; Full Spectrum Underwriting
Ohio National Life Virtus 100 G
Low Cost Lifetime Death Benefit Guarantee
Ohio National Life Virtus Value
Low Premium to Carry or Endow; Death Benefit Sales; Accumulation Sales; Long-Term Values
Pacific Life Versa-Flex V
Noncommissionable Term Rider; Lifetime Death Benefit Guarantee; Early Surrender Values; No Maturity Age
Penn Mutual Life Protection Builder
Lifetime Death Benefit Guarantee; Riders
Phoenix Life Phoenix Protector ULII
Age 100/Lifetime Death Benefit Guarantees; Death Benefit Sales
Phoenix Life Phoenix Accumulator ULII
Low Premium to Endow; Low Premium to Carry; Death Benefit Sales; Accumulation Sales; Various Sales Scenarios; Income; Long-Term Values
Principal Life UL3
Low Endowment Premium; Low Premium to Carry; High Cash Value; Maximum Retirement Income; Broad/Favorable Underwriting; COLI; Long-Term Values
Principal Life UL Protector
Lifetime Death Benefit Guarantee; Low Endowment Premium; Low Premium to Carry; Broad/Favorable Underwriting
Protective Life Skyline Gold 120
Lifetime (to age 120) Death Benefit Guarantee
Protective Life Protective Custom UL
High Cash Value Accumulation; Maximum Retirement Income; Long-Term Values; 1035 Loan Transfers
Protective Life Protective Classic UL
Low Endowment Premium; Low Premium to Carry; Death Benefit Sales
Protective Life Protective 100Plus
High Cash Value Accumulation; Maximum Retirement Income; Long-Term Values
Protective Life Protective Select UL II
Lifetime Death Benefit Guarantee; Low Premium to Guarantee Death Benefit; Death Benefit Sales; Various Sales Scenarios
Security Mutual Life of NY Security Premier UL
Low Premium to Endow; Low Premium to Carry; Accumulation Sales; Various Sales Scenarios; Good Long-Term Value; Broad/Favorable Underwriting; Attractive Target Premiums
State Farm Life Universal Life
Death Benefit Sales; Accumulation Sales
Sun Life Sun Universal Protector – LP2
No-lapse Guarantee to 60 Years; Maturity Extension
Sun Life Sun UL Protector Plus
Various Sales Scenarios; Cash Value Accumulation; Income
TIAA-CREF Life Flexible Premium Adjustable Life
Low Premium to Endow; No Surrender Charges; High Crediting Rate
Transamerica Occidental Life TransAce EX
Lifetime Death Benefit Guarantee; Large Face Amounts
Transamerica Occidental Life TransUltra EX
Large Face Amounts; Built-in Death Benefit Guarantee; Select Nonsmoking Class
Union Central Life Excel Protector
Long-Term Values; Low Premium to Carry
United States Life of NY (AIG Co.) Medalist Premier
Maximum Death Benefits; Business Applications
West Coast Life LifeTime Gold 120
Lifetime (Age 120) Guarantees; Rolling Target
William Penn Life of NY Longevity UL
NY Policy; Lifetime Death Benefit Guarantee Available
Zurich Life Lifetime UL
Flexibility; Available Death Benefit Guarantee
Reproduced from National Underwriter Edition, October 7, 2004. Copyright 2004 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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