Survivorship UL Strengths

Guaranteed death benefits to age 100; flexibility; riders

Union Central Life Excel Survivor

Death benefit sales; accumulation sales

US Life of NY (AIG Co.) Survivorship Premier

Death benefit guarantee to age 100 (NY); maximum retirement income

West Coast Life Golden Legacy Protector IV

Secondary guarantees; extended maturity; rolling target premium

AIG American General Life Platinum Investor Survivor II

Target premiums; death benefit guarantees; maximum retirement income; maturity extension; return of premium

Ameritas Variable Life OVERTURE BRAVO!

High cash value; maximum retirement income; broad/favorable underwriting

AXA Equitable Life Survivorship Incentive Life 02

Low premium to carry; estate tax repeal rider

Guardian Life Park Avenue Millennium Series SVUL

Policy exchange; death benefit option 3

ING "Reliastar Life" Variable Accumulation Design

Maximum income distribution; high target premiums; flexible riders; cash accumulation

ING "Security Life of Denver" Estate Designer

High early cash value; death benefit option 3; unlimited transfers

ING "Security Life of Denver" Variable SUL

Lifetime death benefit guarantee; long term accumulation

Jefferson Pilot Life JPF Ensemble SL

Low endowment premium; low premium to carry; high cash value; maximum retirement income; rolling target

John Hancock Life Performance SVUL

Short pay premium solves; low premium to endow

John Hancock USA Survivorship VUL

Low premium solves; lifetime death benefit guarantee; term rider; preferred to age 90

Lincoln Benefit Life Consultant SL

Full death benefit guarantee; low premium to carry; long term values

Lincoln National Life SVUL IV

Low premium to endow & carry; death benefit guarantees to age 100; accumulation sales; built-in maturity extension

Massachusetts Mutual Life Survivorship VUL Guard(SM)

Flexible low cost lifetime guarantee death benefit; accumulation values

Massachusetts Mutual Life Survivorship VUL II

Death benefit guarantee to age 100; low premium to endow & carry; high cash value; maximum retirement income; broad/favorable underwriting

MetLife Travelers VSL II

Death benefit guarantees; maximum death benefits; low premium to endow

MetLife NE Financial Zenith SL 2002

Low endowment premium; maximum death benefits; impaired risk

Midland National Life Survivorship VUL

High cash accumulation; death benefit guarantee to age 100; maximum retirement income

Nationwide Life Best of America Next Generation SVUL

Cash accumulation; income distribution; low expenses

Nationwide Life Best of America Protection SVUL

Death benefit guarantees; low endowment premiums; low premium to carry; broad underwriting

New York Life NYLIAC SVUL

Low endowment premium; high cash value; broad favorable underwriting; accumulation sales

Pacific Life Select Estate Preserver V

Maximum death benefits; maximum retirement income; accounting benefit rider; death benefit guarantee; maturity extension

Penn Mutual Life Variable Estate Max III

Low premium to endow & carry; long term values; full death benefit guarantee; riders

Phoenix Life Phoenix Edge SVUL

Three policy DB options; banded COI rates; guaranteed death benefits; flexibility; riders

Phoenix Life Estate Edge

Low premium to endow; term blending; cash value accumulation; flexibility; riders

Principal Life Survivorship VUL

Full death benefit guarantees; low premium to endow & carry; broad underwriting

Prudential Financial Life SVUL

Minimum premium to carry; underwriting; maturity extension; divorce and tax law change rider

Sun Life of Canada Futurity Survivorship II VUL

Death benefit guarantees; supplemental insurance; rolling targets

Transamerica Occidental Life TransSurvivor Life VUL

Death benefit guarantee

Western Reserve Life Freedom Wealth Protector

Death benefit guarantee; broad/favorable underwriting; long term values

Guardian Life EstateGuard

Increasing dividends & cash values at first death; flexibility; riders

John Hancock Life Level Premium Estate Protection

Riders; broad/favorable underwriting; high issue ages

Massachusetts Mutual Life Survivorship WL

High term blendability; cash value accumulation; business applications

Massachusetts Mutual Life Survivorship WL Protector

Low premiums; increase in cash values at first death

New York Life Survivorship WL

Expanded underwriting classes; broad/favorable underwriting; ability to optimize cash accumulation

Northwestern Mutual Life Joint CompLife

Flexibility; term blending