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Full disclosure: variable life design objectives.

AIG American General Life Platinum Investor III High Issue Ages; High Target Premiums; Policy Features; Maximum Death Benefits; Policy Loans

AIG American General Life Platinum Investor IV High Issue Age; High Target Premiums; Policy Features; Maximum Retirement Income; Rolling Targets; Guaranteed M&E Charge

American National Life WealthQuest III VUL Maximum Cash Value Accumulation; Maximum Income

Ameritas Life Overture Viva! Maximum Death Benefits; Low Premium to Endow; Compensation; Riders

Ameritas Life Overture Ovation! Accumulation Sales; Long-Term Values; Maximum Income; Lifetime Death Benefit Guarantee

AXA Equitable Life Incentive Life 02 Low Premium to Carry; Maximum Retirement Income; Accumulation Values

AXA Equitable/The MONY Group MONY VUL Banded COIs; Accumulation Values; Maximum Income Solves; Riders; Policy Loans

General American Life American Vision VUL 2002 Cash Value Accumulation; Maximum Retirement Income; Table Shaving; Death Benefit Guarantee

Guardian Life Park Avenue Life Cash Value Accumulation; Guaranteed Death Benefit to Age 100; Policy Exchange

Guardian Life Park Avenue VUL Low Premium to Carry; Maximum Cash Values; Maximum Retirement Income

ING "Reliastar Life" ING Investor Elite Cash Value Accumulation; Maximum Retirement Income; Compensation Options; Issue Age to 90

ING "Reliastar Life" Select Life II Cash Value Accumulation; Maximum Income; Advanced Markets

ING "Reliastar Life" ING Protector Elite Third Death Benefit Option; Minimum Premium to Carry & Endow; Maximum Death Benefits; issue Age to 90

ING "Security Life of Denver" Asset Accumulator VUL Long-Term Accumulation Values; Maximum Retirement Income; No M&E Charge After Year 10

ING "Security Life of Denver" Strategic Investor High Early Cash Values; Business Applications; No Surrender Charges; Death Benefit Guarantees

ING "Security Life of Denver" Asset Portfolio Manager High Cash Value; Maximum Retirement Income; Long-Term Values; Low Premium to Endow & Carry

Jackson National Life Perspective Investor VUL Maximum Retirement Income; Long-Term Values; Death Benefit & Endowment Performance

Jackson National Life Ultimate Investor VUL Maximum Retirement Income; No Surrender Charges; Long-Term Accumulation

Jackson National Life JNL Advisor VUL Maximum Retirement Income; No Surrender Charges; Long-Term Accumulation Values; Fee-Based Advisors

Jefferson Pilot Financial Life Ensemble Protector Low Premium to Endow; Maximum Death Benefits

Jefferson Pilot Financial Life Ensemble EXEC Lifetime Death Benefit Guarantee; Third Death Benefit Option

Jefferson Pilot Financial Life Ensemble Accumulator Long-Term Cash Values; Distributions at TAMRA Levels

Jefferson Pilot Financial Life Ensemble III 2002 STG Low Premium to Carry; Long-Term Values; Maximum Retirement Income; Death Benefit Guarantees to Age 100; Guaranteed Monthly Accumulation Value Adjustment

John Hancock Life Medallion VUL Plus Long-Term Death Benefit Guarantees; High Early Values

John Hancock Life Medallion VUL Edge II Long-Term Values; Death Benefit Guarantees; Premium Solves; LifeCare Benefit

John Hancock USA Life VUL Protector Premium Solves; Death Benefit Guarantees to Age 100; Smoker Incentive

John Hancock USA Life VUL Accumulator Flexibility; Maximum Death Benefits; Cash Value Accumulation; Compensation/Load Options

Lincoln National Life VUL ONE 2005 Death Benefit Guarantees; Death Benefit Sales; Cash Accumulation; Low Premium to Endow

Lincoln National Life VUL DB IV Long-Term Maximum Death Benefits; Low Premiums to Endow; Flexibility

Lincoln National Life VUL CV IV Maximum Cash Values; Maximum Income; Business Applications; Accumulation Sales

Massachusetts Mutual Life VUL Guard (SM) Lifetime Guarantee Death Benefit; Accumulation Values; Death Benefit Option 4

Massachusetts Mutual Life Variable Universal Life II (VUL II) Low Premium to Carry; Death Benefit Guarantees; Riders

Midland National Life Advisor VUL Early Cash Values; Liquidity; No Premium Load; Business Applications

Midland National Life Foundation VUL 1.1 Maximum Income; Death Benefit Guarantees; Enhanced Dollar Cost Averaging; Compensation Options

Midland National Life Premier VUL 1.1 Maximum Income; Low Premium to Endow; Maximum Cash Values

National Life VariTrak II Low Sales Charges; Living Benefit Riders; Lifetime Death Benefit Guarantee

Nationwide Financial Life Next Generation II FPVUL High Cash Values; Maximum Retirement income; Low Loads

Nationwide Financial Life Protection FPVUL Strong Death Benefit Guarantees; Low Premium to Endow; Low Premium to Carry; Favorable Underwriting; Maximum Death Benefits

New England Financial Life Zenith Rexible Life 2002 Cash Value Accumulation; Maximum Retirement income; Death Benefit Guarantees to Age 100

New York Life NYLIAC Pinnacle VUL No Surrender Charges/Front Loaded Design; LongTerm Values Higher Funding Levels; Business Applications; High Retention Limit

New York Life NYLIAC VUL 2000 Higher Funding; Third Death Benefit Option; Maximum Income

New York Life NYLIAC VUL Provider Nonqualified Deferred Compensation; Maximum Retirement Income; Liquidity

Northwestern Mutual Life Variable CompLife Full Death Benefit Guarantee; High Cash Value; Long-Term Values; Participating (VWL) Policy

Ohio National Life Growth Perspective VUL Cash Value Accumulation; Maximum Income; LongTerm Values

Pacific Life Pacific Select Exec II Maximum Retirement Income; Maximum Death Benefits; Riders; Two Fixed Accounts

Penn Mutual Life Cornerstone VUL IV Low Premium to Carry & Endow; Cash Value Accumulation Maximum Retirement Income

Phoenix Life Phoenix Edge VUL Cash Value Accumulation; Banded COIs; Maximum Income; Riders; Death Benefit Guarantees; 3 Policy Options; Premium Solves

Phoenix Life Phoenix Individual Edge 03 Low Expenses; Guaranteed M&E Reduction; Guaranteed Death Benefits; Trail Commissions; Riders; Policy Restructuring

Principal Life VUL Income Maximum Retirement Income; Accumulation Values; Business Applications

Principal Life VUL Accumulator II High Accumulation Values; High Target Premiums; Death Benefit Guarantees; Business Applications

Protective Life Premiere II Long-Term Cash Values; Higher Funding; Maximum Retirement Income; Death Benefit Guarantees to Lifetime

Protective Life Premiere Protector Low Premium to Endow; Long-Term Values; LongTerm Death Benefits; Death Benefit Guarantee; Policy Value Credit; Directed Expenses

Prudential Financial Life PruLife Custom Premier II Premium Flexibility; Maximum Retirement Income; Long-Term Values; Low M&E Charges

State Farm Life Flexible Choice Death Benefit Sales; Accumulation Sales; Low Expenses

Sun Life of Canada (U.S.) Futurity Accumulator II Variable Life Low Expenses; Death Benefit Guarantee; Maximum Retirement Income

Sun Life of Canada (U.S.) Futurity Protector II VUL Term Blending; Death Benefit Guarantee; Rolling Target; Low Expenses; Maximum Retirement Income; Low Guaranteed Mortality & Expense Charges

TIAA-CREF Life Variable Universal Life Low Premium to Endow; Low Subaccount Expenses; Noncommissionable; Maximum Cash Values

Transamerica Occidental Life TransUltra VUL Low Premium to Endow & Carry

Transamerica Occidental Life TransAccumulator VUL Death Benefit Guarantees; Riders

Union Central Life Excel Accumulator Cash Value Accumulation; Maximum Retirement Income; Low Expenses; Return of Premium Option; Term-Blending

United States Life of NY (AIG Co.) USL Platinum Investor Plus High Issue Ages; High Target Premiums; Policy Features; Maximum Retirement Income

Western Reserve Life of Ohio WRL Xcelerator Short Surrender Period; Long-Term Values; Low Expenses
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Publication:National Underwriter Life & Health
Date:Jun 27, 2005
Words:1036
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