Universal Life Design Objectives

AIG American General Life AIG ContinUL Extend

Flexible DB Guarantee; Standard Plus NonTobacco class; Rolling Targets; Supplemental DB Blending; 28-Day NLG Grace Period

Ameritas Life (UNIFI Co) Excel Secondary Guarantee UL

Lifetime DB Guarantee

Aviva Life and Annuity Patriot Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider; Life Protector Rider

Aviva Life and Annuity of NY Capital Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider; Life Protector Rider

AXA Equitable Life Athena UL-LPR

Guaranteed DBs; LTC Rider

AXA Equitable Life Athena UL-DB

LTC Rider; Maximum DBs

Banner Life Continuity Lifetime UL

Competitive Lifetime Premiums; Full DB Guarantee

Bankers Life Innovative Life FIUL

Underage Market; College Education

Conseco Life AssetBuilder

Commissionable Face Amount Increases; Substandards; Crediting Rate Bonus

Genworth Life Life Ready UL II

Maximum DBs; Low Premium to Endow & Carry; Cash Value (CV) Accumulation

Genworth Life Lifetime FlexPlus(sm) II

Age 100 or Lifetime DB Guarantee; CV Accumulation

Genworth Life of NY Lifetime FlexPlus(sm) II NY

Lifetime DB Guarantee; CV Accumulation

Guardian Life UltraMax Gold (SM)

Accumulation Sales; High Early CV

Guardian Life UL Protector Gold

Lifetime DB Guarantee

Guardian Life ULtraLife Gold

Low Premium to Endow & Carry; DB Sales

Hartford Life Advanced UL

Long-Term DB Guarantee; Maximum DBs

Indianapolis Life Crown Solution

20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider; Life Protector Rider

ING 'Reliastar Life' Protector UL (07)

Low Premium to Endow & Carry; Death Benefit Sales

ING 'Security Life of Denver' Guaranteed Death Benefit UL II

DB Guarantee to Lifetime; Maximum DBs

Jackson National Life Generations UL

DB Sales; Lifetime DB Guarantee

Jackson Nat'l Life Accumulator UL

Accumulation Sales; Low Premium to Endow

John Hancock Life Protection UL-G

Lifetime DB Guarantee; Term Alternative

John Hancock Life (USA) Performance UL 08 Reprice

Low Premium to Endow & Carry

John Hancock Life (USA) Accumulation UL

Living Benefits; Riders; High Early CV; High Targets; Maximum Retirement Income

Lincoln Benefit Life Ultra Plus

Accumulation Sales; Long Term Values

Lincoln National Life LifeGuarantee(sm) Plus UL

Lifetime DB Guarantee; Various Sales Scenarios; Business Applications

Lincoln National Life LifeGuarantee(sm) UL

Low Cost DBs; Lifetime DB Guarantee; Flexibility

Lincoln Nat'l Life LifeCurrent(sm) UL

Low Cost DBs; CV Accumulation

Lincoln National Life LifeReserve UL

Long Term CVs; High Target Premiums; High Surrender Charges; 5-Year DB Guarantee; Supplemental Coverage Rider

Massachusetts Mutual Life UL Guard 2(SM)

Lifetime DB Guarantee

Massachusetts Mutual Life Universal Life 2+

Low Premium to Endow & Carry; Accumulation Sales; Long Term Values

MetLife Guarantee Advantage UL(2001 CSO)

Lifetime DB Guarantee; Low Premium; Term Alternative; Cash Accumulation; Maximum Income

Midland National Life Innovation Universal Life 2.3

DB Guarantee to Age 100; Extended Maturity; Low Premium to Carry; Maximum DBs

Midland National Life Executive Universal Life 5.1

CV Accumulation; Maximum Income; Liquidity

Midland National Life Premier Universal Life 4

No Load; CV Accumulation; Bonuses

Midland National Life Century UL-G

DB Guarantee to Age 121; Extended Maturity; Maximum DBs

Mutual of Omaha Life Guaranteed UL Complete

Lifetime DB Guarantee; Standard Insureds; Living Benefit

National Life NL AssurePlus Protector

Term Alternative; Maximum DBs

National Life NLG 120

Low Cost Lifetime DB Guarantees

Nationwide Financial Life YourLife ULtimate UL

Low Cost Lifetime DB Guarantee

New York Life NYLIAC Protector 2005

Protection Sales; Low COIs; Low Premium to Carry; DB Guarantees

New York Life UL-Lifetime Guarantee

Protection Sales; Built in Lifetime Guaranteed DB; Targeted for Affluent Market; Maximum DBs

New York Life NYLIAC Pinnacle UL AD104

No Surrender Charges w/ Front Load; Low COIs; Flexible Riders; Qualified and Non-Q Sales; Long Term Performance

New York Life NYLIAC Accumulator

CV Accumulation; Maximum Retirement Income; Business Applications

North American Life Custom GrowthCV

Long Term Accumulation Values; Target Premiums; Guaranteed Premium & Interest Bonus; Maximum Income; Overloan Protection Benefit

North American Life Custom Guarantee

Dial-a-DB Guarantee to Age 120; Protected Pour-In Rider; Low Minimum Face Amount; Preferred Loans

Northwestern Mutual Custom UL Protector

DB Sales; Long Term Values; Premium and DB Flexibility; Business Applications

Northwestern Mutual Custom UL Accumulator

Accumulation Sales; Long Term Values; Premium and DB Flexibility

Ohio National Life Virtus Lifetime G

Low Cost Lifetime DB Guarantee

Ohio National Life Virtus Value II

Low Premium to Carry & Endow; Long Term Values; DB Sales; Accum. Sales

Old Mutual Life ValueMaster UL

DB Guarantees

Old Mutual Life SecureMaster

Nonmedical Underwriting; Simplified Issue

Old Mutual Life WealthMaster UL

Various Sales Scenarios; Age 100 DB Guarantee

Pacific Life VersaFlex NLG

Early CVs; DB Guarantees

Penn Mutual Life Protection For Life

Lifetime DB Guarantee; Return of Premium Option; Business Applications

Penn Mutual Life Guaranteed Protection UL

Guaranteed DB Protection to Age 121 With Ability To Set Guarantee and Premium Payment Period

Phoenix Life UL with Guarantee

Lifetime DB Guarantee; DB Sales

Phoenix Life Accumulator UL

Low Premium to Endow & Carry; Accum. Sales; Various Sales Scenarios; Maximum Income; Long Term Values

Principal Life UL Accumulator

High Early CV; Maximum Retirement Income; Broad/Favorable Underwriting; COLI; Long Term Values

Principal Life UL3

Low Premium to Endow & Carry; High CV; Maximum Retirement Income; Business Applications; COLI; Long Term Values; Term Alternative

Principal Life UL Protector III

Competitive Lifetime DB Guarantee; Broad/Favorable Underwriting

Protective Life Pro Value

Long Term Cash Value Accum.; Maximum Income; Low Premium to Endow & Carry

Protective Life 100 Plus

CV Accum.; Maximum Retirement Income; Long Term Values

Protective Life Centennial G II Plus

Lifetime DB Guarantee; Accum. Sales; DB Sales; Various Funding Scenarios; Long Term Value

Protective Life Centennial G II

Lifetime DB Guarantee; Low Premium to Guarantee DB; DB Sales; Various Sales and Funding Scenarios

Protective Life Classic UL II

Low Premium to Endow & Carry; Maximum DB; Accum. Sales

Prudential Financial Life PruLife Universal Protector

"Dialable" DB; Flexible No-Lapse Guarantee

Prudential Financial Life PruLife Universal Plus

CV Accumulation; Persistency Bonus

Security Mutual Life of NY Premier UL/Premier UL XLC

Low Premium to Endow & Carry; Low Minimum Premium; Long Term Accum.; Good Long-term Value; Attractive Targets

Security Mutual Life of NY Capital UL

High Early CVs; Business Applications; Liquidity

State Farm Life Universal Life

DB Sales; Accum. Sales

Sun Life Financial Universal ProtectorPlus

Various Sales Scenarios; Maximum DBs; CV Accumulation

Sun Life Financial Universal Protector

DB Guarantee to Lifetime; Maximum DBs; Business Applications

Thrivent Financial for Lutherans Universal Life II

Lifetime DB Guarantee; Long Term Values

Thrivent Financial for Lutherans UL Lifetime Protector

Lifetime DB Guarantee; DB Sales

Transamerica Occidental Life TransAce

Lifetime DB Guarantee

Transamerica Occidental Life TransACE NY

Lifetime DB Guarantee

Transamerica Occidental Life TransUltra SP 2006

CV Accum.; Low Premium to Endow & Carry

Transamerica Occidental Life TransUltra Plus 2006

Maximum DBs

Union Central Life (UNIFI Co) Excel Protector

Long Term Values; Low Premium to Carry

USAA Life Universal Life

No Surrender Charge; Low Expenses; Early CV Accum.

USAA Life of NY Universal Life

No Surrender Charge; Low Expenses; Early CV Accum.

United States Life of NY (AIG) Elite UL – NY

Low Premiums; High Internal Rate of Return; NY Availability

United States Life of NY (AIG) AIG ContinUL Extend

Flexible DB Guarantee; Standard Plus Nontobacco Class; Supplemental DB Blending; 28-Day NLG Grace Period;

West Coast Life Lifetime Platinum III

Lifetime DB Guarantee; Low Premium to Guarantee DB; DB Sales; Various Sales and Funding Scenarios

West Coast Life LifeTime Advantage 100

Low Premium to Endow; Accum. Sales; 2-year Rolling Target Premium

West Coast Life Lifetime Platinum III Plus

Lifetime DB Guarantee; Accumulation Sales; DB Sales; Various Funding Scenarios; Long Term Value

William Penn Life of NY Longevity UL 100

Competitive Lifetime Premiums; Full DB Guarantee