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UL policy design objectives.

Acacia Life (UNIFI Co) Flex-Account Ultra Death Benefit Sales; Accumulation Sales; Long-Term Values; Maximum Retirement Income; Living Benefits

AIG American General Life Platinum Provider Ultra 2003 Low Premiums; Maximum Death Benefits; Business Applications; Supplemental Insurance Blending

AIG American General Life Elite UL 2003 Low Premium to Carry; Maximum Death Benefits

AIG American General Life ContinUL Extend 2007 Death Benefit Guarantees; Return of Premium; Term Blending; Preferred Loans; Low Guarantee Premiums

Allianz Life of North America Generation Planner II Low-Cost Death Benefit Guarantee

Aviva Life and Annuity Co. Patriot Solution 20% Free Withdrawal; Zero Net Cost Loans Flexible Term Rider; Life Protector Rider

Aviva-Indianapolis Life Crown Solution 20% Free Withdrawal; Zero Net Cost Loans Flexible Term Rider; Life Protector Rider

Aviva Life and Annuity Co. of NY Capital Solution 20% Free Withdrawal; Zero Net Cost Loans; Flexible Term Rider; Life Protector Rider

AXA Equitable Life Athena UL-LPR/DB Guaranteed Death Benefits; Long Term Care Rider

Banner Life Continuity Lifetime UL Competitive Lifetime Premiums; Full Death Benefit Guarantee; Maximum Death Benefits

Bankers Life Innovative Life FIUL Underage Market; College Education

Conseco Life AssetBuilder Commissionable Face Amount Increases & Substandards; Crediting Rate Bonus

Genworth Life Lifetime FlexPlus Age 100 or Lifetime Death Benefit Guarantee; Cash Value Accumulation

Genworth Life Life Ready UL II Maximum Death Benefits; Low Premium to Endow & Carry; Cash Value Accumulation

Guardian Life ULtra Max Gold Accumulation Sales; High Early Cash Value

Guardian Life ULtra Life Gold Low Premium to Endow & Carry; Death Benefit Sales

Guardian Life UL Protector Gold Lifetime Death Benefit Guarantee; Maximum Death Benefits

ING "Reliastar Life" ING Protector UL (07) Low Premium to Endow & Carry; Death Benefit Sales

ING "Reliastar Life" ING Capital Accumulator UL Cash Value Accumulation; Long Term Values; Maximum Retirement Income; Premium Financing

ING "Security Life of Denver" ING Strategic Accumulator UL Accumulation Sales; High Early Cash Values; Short Payment Scenarios; 1035 Exchanges

ING "Security Life of Denver" LDGUL Term Blendability; Ages 55+; 1035 Rescue; Short Pay Scenarios; Death Benefit Guarantee to Lifetime

ING "Security Life of Denver" Guaranteed Death Benefit UL II Death Benefit Guarantee to Lifetime; Maximum Death Benefits

ING "Security Life of Denver" Explorer UL Long-Term Performance; Guaranteed Issue for 10+ Lives; Premium Financing; Business Applications

Jackson National Life Jackson Accumulator UL Accumulation Sales; Low Premium to Endow

Jackson National Life Generations UL Death Benefit Sales; Lifetime Death Benefit Guarantee

John Hancock Life Protection UL-G Lifetime Death Benefit Guarantee; Term Alternative

John Hancock Life Performance UL Low Premium to Endow & Carry; Various Sales Scenarios; Maximum Income

John Hancock Life Accumulation UL Living Benefits; Riders; High Early Cash Value; High Targets; Maximum Retirement Income

Lincoln Benefit Life Ultra Plus Accumulation Sales; Long Term Values

Lincoln National Life LifeGuarantee UL Low Cost Death Benefits; Lifetime Death Benefit Guarantee; Flexibility

Lincoln National Life LifeGuarantee Plus UL Lifetime Death Benefit Guarantee; Various Sales Scenarios; Business Applications

Lincoln National Life LifeCurrent(sm) UL Low Cost Death Benefits; Cash Value Accumulation

Lincoln National Life Lincoln LifeReserve(sm) UL Long Term Cash Values; High Target Premiums; High Surrender Charges; 5-Year Death Benefit Guarantee; Supplemental Coverage Rider

Massachusetts Mutual Life UL 2+ Low Premium to Endow & Carry; Accumulation Sales; Long Term Values

Massachusetts Mutual Life UL Guard 2 Lifetime Death Benefit Guarantee; Specified Premium Account Option

MetLife Universal Advantage UL Accumulation Values; Low Premium to Endow; Maximum Income

MetLife Guarantee Advantage UL Lifetime Death Benefit Guarantee; Low Premium; Term Alternative

Midland National Life Innovation Universal Life 2.3 Death Benefit Guarantee to Age 100; Extended Maturity; Low Premium to Carry; Maximum Death Benefits

Midland National Life Executive UL 5.1 Cash Value Accumulation; Maximum Income; Liquidity

Midland National Life Century UL-G Death Benefit Guarantee to Age 121; xtended Maturity; Maximum Death Benefits

Midland National Life Premier UL4 No Load; Cash Value Accumulation; Bonuses

Mutual of Omaha Guaranteed UL Complete Lifetime Death Benefit Guarantee; Standard Insureds; Living Benefit

Mutual of Omaha Priority Accum UL Maximum Income; Interest Bonus

National Life NaviStar Term Alternative; Maximum Death Benefits

Nationwide Financial Life ULtimate UL Low Cost Lifetime Death Benefit Guarantee

New York Life NYLIAC Protector 2005 Business Applications; Term Alternative; Low COIs; Low Premium to Carry; Maximum Death Benefits

New York Life NYLIAC Accumulator Cash Value Accumulation; Maximum Retirement Income; Business Applications

New York Life NYLIAC Pinnacle UL ADI04 No Surrender Charges w/Front Load; Low COIs; Flexible Riders; Qualified and Non-Qualified Sales; Long Term Performance

New York Life UL-Lifetime Guarantee Built in Lifetime Guaranteed Death Benefit; Affluent Market; Maximum Death Benefits

North American Life Custom Guarantee Lifetime Death Benefit Guarantee; Dial-a-Guarantee to Age 120; Protected Pour-In Rider; Low Minimum Face Amount; Preferred Loans

Northwestern Mutual Life Custom UL Accumulator Accumulation Sales; Long Term Values; Premium and Death Benefit Flexibility; Business Applications

Northwestern Mutual Life Custom UL Protector Death Benefit Sales; Long Term Values; Premium and Death Benefit Flexibility; Business Applications

Ohio National Life Virtus Lifetime G Low Cost Lifetime Death Benefit Guarantee

Ohio National Life Virtus Value Low Premium to Carry & Endow; Long Term Values; Death Benefit Sales; Accumulation Sales

Pacific Life VersaFlex NLG Early Cash Values; Death Benefit Guarantees

Penn Mutual Life Protection For Life Lifetime Death Benefit Guarantee; Return of Premium Option; Business Applications

Penn Mutual Life Protection Builder Flexibility; Cash Value Accumulation; Income

Phoenix Life Accumulator UL Low Premium to Endow & Carry; Accumulation Sales; Various Sales Scenarios; Maximum Income; Long Term Values

Phoenix Life UL with Guarantee Lifetime Death Benefit Guarantee; Death Benefit Sales

Principal Life UL3 Low Premium to Endow & Carry; High Cash Value; Maximum Retirement Income; Business Applications; COLI; Long Term Values; Term Alternative

Principal Life UL Protector III Low Cost Lifetime Death Benefit Guarantee; Broad Super Preferred Class

Principal Life UL Accumulator High Early Cash Value; Maximum Retirement Income; Business Applications; COLI; Long Term Values

Protective Life Protective 100 Plus Cash Value Accumulation; Maximum Retirement Income; Long Term Values

Protective Life Centennial G Death Benefit Guarantee to Lifetime; Death Benefit Sales; Various Sales Scenarios

Protective Life Classic UL II Low Premium to Endow & Carry; Maximum Death Benefit; Accumulation Sales

Protective Life Pro Value Long Term Cash Value Accumulation; Income; Low Premium to Endow & Carry

Prudential Financial Life PruLife Universal Plus Cash Value Accumulation; Persistency Bonus

Prudential Financial Life PruLife Universal Protector "Dialable" Death Benefit; Flexible Death Benefit Guarantee

Security Mutual Life of NY Security Premier UL/Security Premier UL XLC Low Premium to Endow & Carry; Long Term Accumulation; Target Premiums; Term Conversions

Security Mutual Life of NY Capital UL High Early Cash Values; Business Applications; Liquidity; High Early Accumulations

State Farm Life Universal Life Death Benefit Sales; Accumulation Sales

Sun Life Financial Universal Protector Plus Various Sales Scenarios; Maximum Death Benefits; Cash Value Accumulation

Sun Life Financial Universal Protector Death Benefit Guarantee to Lifetime; Maximum Death Benefits; Business Applications

Transamerica Occidental Life TransUltra SP 2006 Cash Value Accumulation; Low Premium to Endow & Carry

Transamerica Occidental Life TransUltra Plus 2006 Maximum Death Benefits

Transamerica Occidental Life TransACE NY 2007 Lifetime Death Benefit Guarantee; New York State

Transamerica Occidental Life TransACE 2007 Lifetime Death Benefit Guarantee

Union Central Life (UNIFI Co) Excel Provider Long-Term Death Benefit Guarantees; Maximum Death Benefits

Union Central Life (UNIFI Co) Excel Protector Long-Term Values; Low Premium to Carry

USAA Life Universal Life (USAA of NY) No Surrender Charge; Low Expenses; Early Cash Value Accumulation

USAA Life Universal Life No Surrender Charge; Low Expenses; Early Cash Value Accumulation

United States Life of NY (AIG Co) Elite UL New York State; Low Premium to Carry; Maximum Death Benefits

United States Life of NY (AIG Co) ContinUL Extend 2007 New York State; Death Benefit Guarantees; Return of Premium; Term Blending; Preferred Loans; Low Guarantee Premiums

West Coast Life LifeTime Advantage 100 Low premium to Endow; Accumulation Sales; 2-year Rolling Target Premium

West Coast Life LifeTime Platinum II Guaranteed Death Benefit to Lifetime; No Maturity Age

William Penn Life of NY Longevity UL 100 Low Cost Lifetime Death Benefit Guarantee
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Title Annotation:FULL DISCLOSURE: Universal Life Report
Publication:National Underwriter Life & Health
Geographic Code:1USA
Date:Mar 24, 2008
Words:1303
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