AIG American General Life Protection Advantage VUL
Death Benefit (DB) Guarantee to Lifetime; Low Premium to Endow; GMDB Automatic Adjustment Feature; Rolling Targets; GMDB as a Rider; No Tobacco Incentive
AIG American General Life Income Advantage VUL
Maximum Income; No M&E Charges After 10 Years; High Early Cash Values (CV); Overloan Protection; No Tobacco Incentive; Guaranteed Minimum Withdrawal Benefit (GMWB)
AIG American General Life Platinum Investor VIP
Flexibility; Minimum Premium to Endow; Cash Accumulation; Maximum Retirement Income; GMWB; Rolling Targets; Guaranteed Coverage to Age 100; Overloan Protection Rider
Ameritas Life (UNIFI Co.) Protector hVUL
Hybrid VUL; DB Sales; Low Premium; Flexible Lifetime Guaranteed DB
Ameritas Life (UNIFI Co.) Overture Ovation!
Accumulation Sales; Long Term Values; Maximum Income
AXA Equitable Life Incentive Life 06
Flexibility; CV Accumulation; Maximum Retirement Income; Riders/Features; Loan Extension Protection
AXA Equitable Life Incentive Life Legacy
Flexible DB Guarantee; Low Minimum Premium to Endow; Accumulation; Maximum Income; Overloan Protection; Living Benefits
Guardian Life Flexible Solutions VUL 2008
Accumulation Sales; Business Applications; Long Term Values
ING "Reliastar Life" Investor Elite
Cash Value Accumulation; Maximum Retirement Income; Compensation Options
ING "Security Life of Denver" Asset Accumulator VUL
Long Term Cash Accumulation; Retirement Income; No M&E After 10 Years
ING "Security Life of Denver" Asset Portfolio Manager
High CV; Maximum Retirement Income; Long Term Values; Low Premium to Endow and Carry
ING "Security Life of Denver" ING VUL-CV
Maximum Retirement Income; CV Accumulation; Zero Net Coast Loans in Policy Year 6; No M&E Charges (currently); Rolling Targets; Overloan Protection Rider
ING "Security Life of Denver" Strategic Investor
Early Cash Surrender Values; No Surrender Charges; DB Guarantee to Lifetime
Jackson National Life JNL Advisor VUL
Maximum Retirement Income; High Early CVs; Long Term Values
Jackson National Life Ultimate Investor VUL
Maximum Retirement Income; High Early CVs; Long Term Accumulation
Jackson National Life Perspective Investor VUL
Maximum Retirement Income; Long Term Values
John Hancock Life Protection VUL
Flexible DB Guarantees; Premium Solves; LifeCare Benefit
John Hancock Life Accumulation VUL
Maximum Retirement Income; Maximum Accumulation Value; Overloan Protection Rider; Riders
Lincoln Benefit Life Total Accumulator
Guaranteed DBs; CV Accumulation; Low Premium to Endow; Low COIs; Long Term Values
Lincoln Benefit Life Consultant Protector
Maximum DBs; Guaranteed DBs; Low Premium to Endow & Carry; Low COIs; Long Term Values
Lincoln Benefit Life Consultant Accumulator
Guaranteed DBs; CV Accumulation; Low Premium to Endow & Carry; Low COIs; Long Term Values
Lincoln National Life VUL One 2007
DB Guarantees; Maximum DBs; Cash Accumulation; Low Premium to Endow; Hybrid Product
Massachusetts Mutual VUL Guard
Lifetime Guarantee DB; Accumulation Values; DB Option Four
Massachusetts Mutual Life VUL II
Low Premium to Carry; DB Guarantees; Riders
Met Life Equity Advantage VUL (1980 CSO)
CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; DB Guarantee to Age 85; Riders
Met Life – General American Life American Vision VUL 2002
CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; DB Guarantees to Age 100; Additional Riders/Features
Met Life – New England Financial Zenith Flexible Life 2002
CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; DB Guarantees to Age 100; Additional Riders/Features
Met Life Equity Advantage VUL (2001 CSO)
CV Accumulation; Maximum Retirement Income; Underwriting Flexibility; Flexible DB Guarantees; Additional Riders and Features
Midland National Life VUL-CV
Guaranteed Zero Cost loans in year 6; DB Guarantee to Age 70; Accumulation Sales; Long Term Values
Midland National Life Premier VUL1.1
Maximum Income; Low Premium to Endow; Maximum CVs; Commission Options
Midland National Life Foundation VUL1.1
CV Accumulation; Maximum Income; DB Guarantees; Enhanced DCA
Midland National Life Advisor VUL
Early CVs; Liquidity; No Premium Load; Business Applications
Midland National Life VUL-DB
Maximum Income; Low Premium to Endow; Maximum CVs; Protection Sales; Lifetime DB Guarantee
Minnesota Life Accumulator VUL
Accumulation Sales; Lifetime DB Guarantee; Maximum Income
National Life VariTrak II
Low Sales Charges; Living Benefit Riders; Lifetime DB Guarantee; Overloan Protection Rider
Nationwide Financial Life YourLife Protection VUL
Lifetime DB Guarantee; Low Premium to Endow; Protection Sale; CV Accumulation
Nationwide Financial Life Next Generation II FPVUL
High CVs; Accumulation Sales; Maximum Retirement Income; Favorable Underwriting
New York Life NYLIAC VUL Provider
Nonqualified Deferred Compensation; Maximum Retirement Income; Liquidity
New York Life NYLIAC Pinnacle VUL
No Surrender Charges; Long Term Values; Higher Funding Levels; Business Applications; High Retention Limit
New York Life NYLIAC VUL 2000
Higher Funding; Third DB Option; Maximum Income
Northwestern Mutual Life Variable Executive Life II
Premium Flexibility; High CV; Long Term Values
Northwestern Mutual Life Variable CompLife
Age 100 DB Guarantee; High CV; Long Term Values; Paid-Up Option
Northwestern Mutual Life Executive VUL
Premium & DB Guarantee Options; Fixed Paid-Up Option; Flexibility; Long Term Values
Northwestern Mutual Life Custom VUL
Premium & DB Guarantee Options; Fixed Paid-Up Option; Premium Flexibility; Long Term Values
Pacific Life Select Exec III
Minimum DBs; Higher Funding; Minimum Earnings Benefit & Guaranteed Minimum Distribution Riders
Penn Mutual Life VUL IV
Low Premium to Carry & Endow; CV Accumulation; Maximum Retirement Income; Riders
Phoenix Life Express VUL
Short Premium Period; Lifetime GMWB Option; Simplified Issue Underwriting; CV Accumulation; Maximum Income
Phoenix Life Benefit Choice VUL
DB Guarantee to Age 100; CV Accumulation; Maximum Retirement Income; Rolling Targets
Principal Life VUL Accumulator II
High Accumulation Values; High Target Premiums; DB Guarantees; Business Applications
Principal Life VUL Income
Maximum Retirement Income; Accumulation Values; Business Applications
Protective Life Premiere Protector
Maximum DBs; Long-Term CV Accumulation; Directed M&E Charges; Terminal Illness Endorsement; Riders
Protective Life Premiere II
Heavily Funded Sales; Long-term Accumulation; Lapse Protection; Policy Value Credits
Prudential Financial Life PruLife Custom Premier II
Premium Flexibility; Maximum Retirement Income; Long Term Values; Low M&E Charge
State Farm Life Flexible Choice (VUL)
DB Sales; Accumulation Sales; Low Expenses
Sun Life Financial Protector VUL
Term Blending; DB Guarantee; Low Expenses; Maximum Retirement Income; Flexibility
Sun Life Financial Futurity Accumulator II VL
Flexibility
Transamerica Occidental Life TransUltra VUL
DB Guarantee to Year 20; Riders
Transamerica Occidental Life TransAccumulator VUL
DB Guarantees; Riders
Union Central Life (UNIFI Co) Excel Accumulator VUL
CV Accumulation; Maximum Retirement Income; Low Expenses; Return of Premium Option; Term-Blending
United States Life of NY (AIG Co.) Platinum Investor VIP
Flexibility; Cash Accumulation; Low Premium to Endow; Rolling Targets; DB Guarantee to Age 100; GMWB; Available in New York
Western Reserve Life WRL Xcelerator
Short Surrender Period; Long Term Values; Low Expenses
Western Reserve Life WRL Benefactor
Single Premium Policy; Guaranteed Withdrawal Benefit; No Cost of Insurance; Simplified Issue Underwriting Available; Lifetime No-Lapse Guarantee
Correction: The March 24 edition of NU featured a chart for universal life minimum premium long-term policy guarantees. Union Central's Excel Provider entry for a female age 35, standard non-tobacco should have been listed as $5,378, not $53,778.
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