Indexed UL Design Objectives

AIG American General Life AIG Elite Global IUL

3 Indices; Automatic Overweighting; Allocation Options; Fixed Interest Available

Allianz Life GenDex II

Long Term Cash Value Accumulation; Flexible Death Benefit Guarantees

Aviva Life and Annuity Co. Lifetime Builder

20% Free Partial Withdrawals; Maximum Variable Loan Rate; Levelized Strategy Transfer; Qualified Plan Availability

Aviva Life and Annuity Co. Advantage Builder

Lifetime Guarantee Option; Various Sales Scenarios

Aviva-Indianapolis Life Vista Advantage

Lifetime Guarantee Option; Various Sales Scenarios

Aviva-Indianapolis Life Vista Lifetime

20% Free Partial Withdrawals; Maximum Variable Loan Rate; Levelized Strategy Transfer; Qualified Plans

Aviva Life and Annuity Co. of NY Life Builder

20% Free Partial Withdrawals; Levelized Strategy Transfer; Qualified Plan Availability

Aviva Life and Annuity Co. of NY Empire Solution UL

Lifetime Guarantee Option; Various Sales Scenarios

Bankers Life Innovative Life EIUL

Underage Market; College Accumulation

Conseco Life Asset Builder Plus

High Participation Rate; No Cap; Maximum Accumulation Values; Death Benefit Guarantee to Age 85

ING "Security Life of Denver" ING Indexed Strategic Accumulator UL

Accumulation Sales; High Early Cash Values

Life Insurance Company of the SW SecurePlus Paragon

Maximum Accumulation; Maximum Income; Living Benefits Riders

Lincoln Benefit Life Ultra Index

Accumulation Sales; Low Premium to Carry

Lincoln National Life LifeElements IUL

Maximum Accumulation; Maximum Retirement Income

Midland National Life XL-DB

Multiple Indices; 9 Index Strategies; 4 Options with No Cap; 2 Options with 135% Participation; Systematic Premium Allocation Option

Midland National Life XL-CV

Multiple Indices; 9 Index Strategies; 4 Options with No Cap; 2 Options with 135% Participation; Systematic Premium Allocation Option; High Funding

Midland National Life XL-EC

Multiple Indices; 9 Index Strategies; 4 Options with No Cap; 2 Options with 135% Participation; Systematic Premium Allocation Option; Table Shaving Program; Waiver of Surrender Charge Option; Early Cash Values

Minnesota Life Eclipse Indexed Life

Guaranteed 100% Participation Rate; Cash Accumulation Sales; Supplemental Income; Death Benefit Guarantee to Age 120; Guaranteed Short-Pays

National Life Ultra Select

Maximum Accumulation; Maximum Income; Living Benefits Riders

North American Life Guarantee Builder IUL

Lifetime Death Benefit Guarantee; Guaranteed 100% Participation Rate Available; Accumulation Sales; Daily Sweeps; Four Index Options; 3 Crediting Methods; Variable Loans

North American Life Builder IUL

Guaranteed 100% Participation Rate Available; Accumulation Sales; Daily Allocation to Index Selection; 4 Index Options; 3 Crediting Methods; 20-Year No-Lapse Guarantee; Variable Loans

Old Mutual Financial Network MasterChoice

Age 100 Death Benefit Guarantee; Liquidity; Surrender Charges Waived on Overfunded Amounts

Old Mutual Financial Network MasterElite

Liquidity; Surrender Charges Waived on Premium Over Target; 100% Guaranteed Participation Rate; Variable Loan Option

Pacific Life Indexed Accumulator III

Maximum Cash Accumulation; Death Benefit; High Early Cash Values

Penn Mutual Life Accumulation Builder IUL

Fixed Account Option; Two Loan Options; Liquidity

Phoenix Life Indexed UL

3 Accumulation Options; Maximum Accumulation; Maximum Income

RBC (Liberty Life) RBC Index Enhanced UL

20-Year No-Lapse Guarantee; Accumulation Values

Transamerica Occidental Life TransIndex UL

Enhanced Index Strategy

Union Central Life (UNIFI Co) EXCEL Index UL

3 Crediting Options

United States Life of NY (AIG Co) Elite Index UL-NY

Death Benefit Guarantee to Lifetime; Guaranteed 100% Participation Rate

Western Reserve Life Freedom Equity Index UL

High Cap; Guaranteed Fixed Account