Product Design Objectives

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.