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Universal life insurance: source list.

Universal Life Insurance source list
Allianz Life | 800-950-7372 | www.allianzlife.com

Product Name                  Allianz Life Pro+

Availability                  All states except MD, MA, NJ, NY,
                              OR, PA,TX,VT,VA,WA

Issue ages                    0-80

Premium payment options       Annual, semi-annual, quarterly,
                              monthly, single

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 10 years if minimum funding
                              requirement has been met

Surrender charges             15 years depending on age, risk
                              class, and gender

Additional riders available   LTC accelerated benefit, Additional
                              Term Rider, Inflation Protection
                              Rider, Waiver of Specified Amount,
                              Other Insured Term Rider, Enhanced
                              Liquidity Option Rider, Enhanced
                              Cash Value Rider, Child Term Rider

Allianz Life | 800-950-7372 | www.allianzlife.com

Product Name                  GenDex Foundation

Availability                  All states except MA, NY, OR

Issue ages                    0-80

Premium payment options       Annual, semi-annual, quarterly,
                              monthly, single

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 0-50 = 20 years; 51-60 = 15 years;
                              61-80 = 10 years; (if minimum
                              funding requirement has been met)

Surrender charges             15 years, actual charge varies by
                              age, risk class, and gender

Additional riders available   LTC accelerated Benefit, Additional
                              Term Rider, Waiver of Specified
                              Premium Rider, Other Insured Term
                              Rider, Child Term Rider, Waiver of
                              Monthly Deductions Rider

Allianz Life | 800-950-7372 | www.allianzlife.com

Product Name                  GenDex Momentum

Availability                  All states except MA, NY, OR

Issue ages                    0-80

Premium payment options       Annual, semi-annual, quarterly,
                              monthly, single

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 10 years if minimum funding
                              requirement has been met

Surrender charges             15 years, actual charge varies by
                              age, risk class, and gender

Additional riders available   LTC Accelerated benefit, Additional
                              Term Rider, Waiver of Specified
                              Amount, Other Insured Term Rider,
                              Enhanced Liquidity Option Rider,
                              Enhanced Cash Value Rider, Child
                              Term Rider, Waiver of Monthly
                              Deductions

Allianz Life | 800-765-5363 | www.allianzlife.com

Product Name                  GenDex Survivor

Availability                  All states except MA, NY, OR, PA

Issue ages                    18-80

Premium payment options       Annual, semi-annual, quarterly,
                              monthly, single

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 10 years if minimum funding
                              requirement has been met

Surrender charges             19 years, actual charge varies by age,
                              risk class, and gender

Additional riders available   Estate Protection Rider, First to Die
                              Rider, Enhance Liquidity Rider, Loan
                              Protection Rider, Waiver of Monthly
                              Deduction Rider, Waiver of Specified
                              Premium Rider

Allstate Benefits (underwritten by American Heritage Life
Insurance Co.) | 904-992-3098 | www.allstateatwork.com

Product Name                  Group Universal Life Insurance (GUL22)

Availability                  All states except MA, MT, NY

Issue ages                    0-80, Non-Tobacco; 19-80, Tobacco

Premium payment options       Payroll deduction

Guaranteed interest rate /    Yes /Yes
Portable

Death benefit                 Payable as lump-sum only at death of
                              insured prior to maturity date
                              (age 95.) Under Option 1, amount is
                              the specified amount on the date of
                              death. Under Option 2, amount is the
                              specified amount, plus the fund value
                              on the date of death.

Surrender charges             Varies by age; one grading to zero
                              over a period of no more than 19 years.
                              19 years for issue ages 0-45; 14 years
                              for issue ages 46-54; 9 years for
                              issue ages 55-80.

Additional riders available   Availability varies by state:
                              Children's Term, Accidental Death
                              Benefit, Accelerated Death Benefit for
                              Terminal Illness, Future Purchase
                              Option, Total Disability Payor Waiver
                              of Premium, Total Disability Premium
                              Waiver, Accelerated Death Benefit for
                              Long-Term Care, Extension of Benefits
                              for Long-Term Care, Continuation of
                              Coverage During Strike or Layoff
                              (Employee Only), Spouse Term and Term
                              Insurance.

Allstate Benefits (underwritten by American Heritage Life
Insurance Co.) | 904-992-3098 | www.allstateatwork.com

Product Name                  Universal Life Insurance (UL20)

Availability                  All states except NY

Issue ages                    0-80, Non-Tobacco; 19-80, Tobacco

Premium payment options       Payroll deduction

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Various settlement options available.
                              Under Option 1, amount is the
                              specified amount on the date of death.
                              Under Option 2, amount is the
                              specified amount, plus the fund value
                              on the date of death.

Surrender charges             An amount per $1,000 issued or
                              increased, varies by age and class and
                              grading to zero by the beginning
                              of year 6.

Additional riders available   Availability varies by state:
                              Children's Term, Accidental Death
                              Benefit, Accelerated Death Benefit for
                              Terminal Illness, Future Purchase
                              Option, Total Disability Premium
                              Waiver, Critical Illness, Spouse Term
                              and Term Insurance.

Allstate Benefits (underwritten by American Heritaqe Life
Insurance Co.) | 904-992-3098 | www.allstateatwork.com

Product Name                  Universal Life Insurance (UL21)

Availability                  All states except NY

Issue ages                    0-75 Non-Tobacco; 19-75 Tobacco

Premium payment options       Payroll deduction

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Various settlement options available.
                              Under Option 1, amount on the date of
                              death. Under Option 2, amount is the
                              specified amount, plus the fund value
                              on the date of death.

Surrender charges             Varies by age; one grading to zero
                              over a period of no more than 19 years.
                              19 years for issue ages 0-45; 14 years
                              for issue ages 46-54; 9 years for issue
                              ages 55-80.

Additional riders available   Availability varies by state:
                              Children's Term, Accidental Death
                              Benefit, Accelerated Death Benefit for
                              Terminal Illness, Future Purchase
                              Option, Total Disability Premium
                              Waiver, Critical Illness, Spouse Term
                              and Term Insurance.

American General Benefit Solutions
| 877-672-1648 | www.americangeneral.com/employeebenefits

Product Name                  Platinum Universal Life

Availability                  All.States

Issue ages                    6 months-70 years

Premium payment options       Monthly, Weekly, Semi-monthly, and
                              Bi-weekly Davroll deduction

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Paid to the beneficiary or estate
                              either in a lump sum or in equal
                              installments, if the beneficiary
                              wishes.

Surrender charges             for the first 14 years

Additional riders available   Waiver of premium, Accidental Death
                              Benefit, Guarantee Purchase Option
                              (add-a Buck), child term benefit

Assurity at Work, Assurity Life Insurance Co.
| 800-276-7619 | www.assurity.com

Product Name                  Universal Life

Availability                  All states except DE, MT, NY, VT

Issue ages                    18-65

Premium payment options       Payroll deduction--biweekly, monthly,
                              semi-monthly

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Face amount

Surrender charges             Set fee (based on multiple factors)
                              that gradually decreases after the
                              first 5 years.

Additional riders available   Disability Waiver of Premium Rider;
                              Term Rider (employee); Child Rider or
                              Policy; Spouse Rider or Policy;
                              Accidental Death Benefit Rider;
                              Accelerated Death Benefit Rider
                              (no additional cost)

Aviva Life & Annuity Co | 800-800-9882 | www.avivausa.com

Product Name                  Advantage Builder

Availability                  All states except AK, CA, ID, MD, MA,
                              MN, MO, MT, NH, NM, NY, PA, VT, VA, WA

Issue ages                    0-85

Premium payment options       Premiums may be paid: Annually,
                              Semi-Annually, Quarterly, Monthly, PAC
                              (Monthly)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 DB Options: Level, Increasing, Level
                              with Death Benefit Return of Premium
                              Rider. Flexible Death Benefit that can
                              be increased (with evidence of
                              insurability) or decreased as needed

Surrender charges             15-year declining schedule

Additional riders available   Wellness for Life, No-Lapse Guarantee,
                              Accelerated Benefits, Accidental Death
                              Benefit, Additional Insured, Children's
                              Insurance, Death Benefit Return of
                              Premium, Guaranteed Purchase Rider, Life
                              Protector Rider, Primary Insured, Waiver
                              of Monthly Deductions Rider, Waiver of
                              Specified Premium

Aviva Life & Annuity Co | 800-800-9882 | www.avivausa.com

Product Name                  Guarantee UL Solution

Availability                  All states except HI, MD, MA, MN, MT,
                              NY, VA, WA

Issue ages                    0-85

Premium payment options       Premiums may be paid: Annually,
                              Semi-Annually, Quarterly, Monthly, PAC
                              (Monthly)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 DB Options: Level or Increasing
                              Flexible death benefit that can be
                              increased (with evidence of
                              insurability) or decreased as needed

Surrender charges             15-year declining schedule
Additional riders available   Wellness for Life, Life Protector
                              Rider, Accelerated Benefit, Guaranteed
                              Purchase Option, Primary Insured,
                              Waiver of Specified Premium, Children's
                              Insurance

Aviva Life & Annuity Co. | 800-800-9882 | www.avivausa.com

Product Name                  LifeStage UL

Availability                  All states except MD, MT, NY

Issue ages                    0-85

Premium payment options       Premiums may be paid: Annually,
                              Semi-Annually, Quarterly, Monthly, PAC
                              (Monthly)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 DB Options: Level, Increasing, Level
                              with Death Benefit Return of Premium
                              Rider. Flexible death benefit that can
                              be increased (with evidence of
                              insurability) or decreased as needed

Surrender charges             19-year declining schedule

Additional riders available   Wellness for Life, Accelerated Benefits,
                              Accidental Death Benefit, Additional
                              Insured, Children's Insurance, Death
                              Benefit Return of Premium, Guaranteed
                              Purchase Rider, Life Protector Rider,
                              Primary Insured, Waiver of Monthly
                              Deductions Rider, Waiver of Specified
                              Premium, Waiver of Surrender Charge
                              Due to Confinement

Aviva Life & Annuity Co. | 800-800-9882 | www.avivausa.com

Product Name                  Lifetime Builder

Availability                  All states except MD, MT, NH, NY, PA

Issue ages                    0-85 SNT; 18-85 ST & Preferred; 18-75
                              Premier

Premium payment options       Premiums may be paid: Annually,
                              Semi-Annually, Quarterly, Monthly, PAC
                              (Monthly)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 DB options: Level, Increasing, Level
                              with Death Benefit Return of Premium
                              Rider. Flexible Death Benefit that can
                              be increased (with evidence of
                              insurability) or decreased as needed.

Surrender charges             15-year declining schedule

Additional riders available   Wellness for Life, Life, Protector
                              Rider, Early Cash Value, Waiver of
                              Surrender Charge Due to Confinement,
                              Waiver of Monthly Deductions,
                              Accelerated Benefits, Accidental Death
                              Benefit, Additional Insured, Children's
                              Insurance, Death Benefit Return of
                              Premium, Guaranteed Purchase Option,
                              Primary Insured, Waiver of Specified
                              Premium

Aviva Life & Annuity Co. of New York
| 800-252-4467 | www.avivausa.com

Product Name                  Empire Solution UL

Availability                  NY

Issue ages                    0-85

Premium payment options       Premiums may be paid: Annually,
                              Semi--Annually, Quarterly, PAC
                              (Monthly)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 DB Options: Level, Increasing, Level
                              with Death Benefit Return of Premium
                              Rider Flexible death benefit that can
                              be increased (with evidence of
                              insurability) or decreased as needed

Surrender charges             15-year declining schedule

Additional riders available   No-Lapse Guarantee, Life Protector
                              Rider, Accelerated Benefits, Accidental
                              Death, Additional Insured, Children's
                              Insurance, Death Benefit Return of
                              Premium, Guaranteed Purchase Option,
                              Primary Insured, Waiver of Monthly
                              Deductions, Waiver of Specified Premium

Aviva Life & Annuity Co. of New York
| 800-252-4467 | www.avivausa.com

Product Name                  Guarantee UL Solution

Availability                  NY

Issue ages                    0-85

Premium payment options       Premiums may be paid: Annually,
                              Semi-Annually, Quarterly, Monthly, PAC
                              (Monthly)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 DB Options: Level or Increasing;
                              Flexible death benefit that can be
                              increased (with evidence of
                              insurability) or de-creased as needed

Surrender charges             15-year declining schedule

Additional riders available   Accelerated Benefits, Children's
                              Insurance, Guaranteed Purchase Option,
                              Life Protector, Primary Insured, Waiver
                              of Specified Premium

Aviva Life & Annuity Co. of New York
| 800-252-4467 | www.avivausa.com

Product Name                  Life Builder

Availability                  NY

Issue ages                    0-85

Premium payment options       Premiums may be paid: Annually,
                              Semi-Annually, Quarterly, Monthly, PAC
                              (Monthly)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 DB Options: Level, Increasing, Level
                              with Death Benefit Return of Premium
                              Rider Flexible death benefit that can
                              be increased (with evidence of
                              insurability) or decreased as needed

Surrender charaes             15-vear declining schedule

Additional riders available   Early Cash Value, Life Protector Rider,
                              Waiver of Surrender Charge Due to
                              Confinement, Waiver of Specified
                              Premium, Waiver of Monthly Deductions,
                              Primary Insured, Guaranteed Purchase
                              Option, Death Benefit Return of
                              Premium, Children's Insurance,
                              Additional Insured, Accidental Death

Aviva Life & Annuity Co. of New York
| 800-252-4467 | www.avivausa.com

Product Name                  LifeStage UL

Availability                  NY

Issue ages                    0-85

Premium payment options       Premiums may be paid: Annually,
                              Semi-Annually, Quarterly, Monthly, PAC
                              (Monthly)

Guaranteed interest rate / PorYes/Yes

Death benefit                 DB Options: Level, Increasing, Level
                              with Death Benefit Return of Premium
                              Rider Flexible death benefit that can
                              be increased (with evidence of
                              insurability) or decreased as needed

Surrender charges             19-year declining schedule

Additional riders available   Life Protector Rider, Accidental Death,
                              Additional Insured, Children's Insur-
                              ance, Death Benefit Return of Premium,
                              Guaranteed Purchase Option, Primary
                              Insured, Waiver of Monthly Deductions,
                              Waiver of Specified Premium, Waiver of
                              Surrender Charge Due to Confinement

AXA Equitable | 212-314-2752 | www.axa-equitable.com

Product Name                  Athena UL

Availability                  All states

Issue ages                    Ages 0-85 (Standard Plus); Ages
                              20-85 (Guaranteed Issue); Ages 18-75
                              (Preferred Elite); Ages 18-80
                              (Preferred Nontobacco); Ages 18-79
                              (if rated with a flat extra)

Premium payment options       Annual, Semi-Annual, Quarterly, Monthly
                              and Electronic Draft Montly

Guaranteed interest rate /    Yes /Yes
Portable

Death benefit                 Death Benefits are received generally
                              income tax free either in a lump sum or
                              through a variety of settlement
                              options.

Surrender charges             The surrender charge is a declining
                              charge covering the first 20 years and
                              varies by issue age, gender and tobacco
                              status.

Additional riders available   No Lapse Guarantee Rider (NLG),
                              Charitable Legacy Rider (CLR), Return
                              of Premium at Death Benefit Rider
                              (R0PR), Disability Waiver of Monthly
                              Deductions Rider (DDW),Children's Term
                              Insurance Rider (CTIR), Substitution of
                              Insured Rider (SOI), Living Benefits
                              Rider (LBR) (terminal illness), Loan
                              Extension Endorsement (LEE), Long-Term
                              Care Services Rider (LTCS) (chronic
                              illness), Option to Purchase Additional
                              Insurance Rider (0PAI)

Colonial Life & Accident Insurance Co. | www.coioniaiiife.com

Product Name                  Universal Life 1000

Availability                  All, States

Issue ages                    16-79: adult individual policy; 0-17
                              (18-24, if a full-time student):
                              children/grandchildren individual
                              policy

Premium payment options       Payroll deducion and individual pay
                              group (IPG); indiviudal sales through
                              bank draft, quarterly, or semi--annual
                              or annual billing

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Two death benefit options available:
                              level death benefit (Option A) or
                              increasing death benefit (Option B).

Surrender charges             Surrender charge is a rate per thousand
                              based on age and decreases over a
                              specified time period.

Additional riders available   Long Term Care Rider, Restoration of
                              Benefits Rider, Spouse Term Rider,
                              Children Term Rider, Accidental Death
                              Benefit Rider, Guaranteed Purchase
                              Option Rider, Additional Coverage Term
                              Rider, Waiver of Monthly Deductions
                              Rider

Combined Insurance-Worksite
| 866-857-2317 | www.combinedworksite.com

Product Name                  Universal Life Protector

Availability                  All, States

Issue ages                    18-70

Premium payment options       Paid via payroll deduction or monthly
                              via APC/PAC. Flexible premiums

Guaranteed interest rate / PorYes/Yes

Death benefit                 Death benefit can be paid in a lump sum
                              or in a payment plan if requested
                              (equal periodic payments for a fixed
                              period up to 30 years-annual,
                              semi-annual, quarterly or monthly). Any
                              policy debt is deducted from the
                              proceeds payable.

Surrender charges             Surrender charges are applied for the
                              first 14 years, grading down each year
                              to $0 in year 15.

Additional riders available   Accelerated benefits rider is
                              automatically included with the policy.

Fidelity & Guaranty Life Insurance Co.
| 410-895-0100 | www.fglife.com

Product Name                  FG Life-Choice

Availability                  All states except MT, NY

Issue ages                    0-85

Premium payment options       Monthly, Quarterly, Semi Annual,
                              Annual- Minimum premium, Target Premium
                              and Specified premiums allowed

Guaranteed interest rate /    No/No
Portable

Death benefit                 Option A--Level Death Benefit, death
                              benefit remains level, even though your
                              contract's account value grows over
                              time. Option B--Increasing Death
                              Benefit, death benefit is based on the
                              amount of coverage you purchased plus
                              the account value in the contract.

Surrender charges             Surrender charges are present at issue
                              and decline to zero over the first 15
                              years of the policy.

Additional riders available   Accelerated Death Benefit, Accidental
                              Death Benefit, OverLoan Protection,
                              Child Level Term, Waiver of Monthly
                              Deduction

Fidelity & Guaranty Life Insurance Co. | 410-895-0100 | www.fgiife.com

Product Name                  FG Life-Elite

Availability                  All states except MT, NY

Issue ages                    0-85

Premium payment options       Monthly, quarterly, semi annual, and
                              annual. Premiums can be minimum, target
                              or specified.

Guaranteed interest rate /    No/No
Portable

Death benefit                 Option A--Level Death Benefit, death
                              benefit generally remains level, even
                              though your contract's account value
                              grows overtime. Option B--Increasing
                              Death Benefit. Total death benefit is
                              based on the amount of coverage you
                              purchased plus the account value in the
                              contract.

Surrender charges             Surrender charges are present at issue
                              and decline to zero over the first 15
                              years of the policy.

Additional riders available   Accelerated Death Benefit, Accidental
                              Death Benefit, Overloan Protection,
                              Child Level Term, Waiver of Monthly
                              Deduction

GPM Life | 800-938-4765x2209 | www.gpmlife.com (public);
www.gpmagent.com (appointed agents)

Product Name                  GovUL

Availability                  All states except DC, MA, MT, NJ,
                              NY, PA

Issue ages                    18-60, $25,000-$100,000

Premium payment options       Available to actively employed Federal
                              Civil Service Employees via payroll
                              allotment only.

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Face amount less any policy loans

Surrender charges             Annually reducing surrender charge for
                              19 years, none thereafter.

Additional riders available   WCOI, Limited additional policy for
                              spouses, CBR

GPM Life | 800-938-4765x2209 | www.gpmlife.com (public);
www.gpmagent.com (appointed agents)

Product Name                  UNI-Mark 08(UM08)

Availability                  All states except MT, NJ, NY, PA

Issue ages                    0-75

Premium payment options       $25,000 with $25.00 per month premium

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Face amount less any loans or
                              withdrawals

Surrender charges             Annually Reducing Surrender Charge
                              for 19 Years. See policy Illustration
                              for Details.

Additional riders available   ADB, WCOI, GBI, AIR, SIR, 0IR, CBR

ING | 612-342-3088 | www.ing.com

Product Name                  Premier Universal Life Insurance

Availability                  All states

Issue ages                    15-70

Premium payment options       payroll deduction, direct bill

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Can be higher for the premium, but not
                              guaranteed

Surrender charges             Run for 20 years

Additional riders available   Accelerated Benefit Rider (ABR);
                              Accidental Death Benefit Rider (ADB);
                              Children's Term Insurance Rider (CTR);
                              Waiver of Monthly Deduction (WMD)
                              employee only

Midland National | 800-843-3316 | www.mnlife.com

Product Name                  Essential Guaranteed Universal Life 2
                              (EGUL2)

Availability                  All states except NY

Issue ages                    0-85 (May vary depending on Class)

Premium payment options       Annually, Semi-Annually, Quarterly and
                              Monthly EFT

Guaranteed interest rate /    Yes/N/A
Portable

Death benefit                 Paid in lump sum unless otherwise
                              specified by owner.

Surrender charges             20 Years; Vary by issue age, gender,
                              tobacco status and duration.

Additional riders available   Chronic and Terminal Accelerated
                              Benefit Riders, Waiver of Charges,
                              Flexibile Disability Benefit,
                              Children's Insurance Rider, Premium
                              Deposit Agreement

Midland National | 800-843-3316 | www.mnlife.com

Product Name                  Universal Life--Cash Value (UL-CV)

Availability                  All states except NY

Issue ages                    0-75 (May vary depending on class)

Premium payment options       Annually, Semi-Annually, Quarterly and
                              Monthly EFT

Guaranteed interest rate /    Yes/N/A
Portable

Death benefit                 Paid in lump sum unless otherwise
                              specified by owner.

Surrender charges             15 Years. Varies by issue age, tobacco
                              status and duration.

Additional riders available   Chronic and Terminal Accelerated
                              Benefit Riders Waiver of Surrender
                              Charge Option with Table Shaving Return
                              of Premium Death Benefit Option
                              Endorsement Waiver of Charges
                              Children's Insurance Rider

Midland National | 800-843-3316 | www.mnlife.com

Product Name                  Universal Life--Death Benefit (UL-DB)

Availability                  All states except NY

Issue ages                    0-85 (May vary by Class)

Premium payment options       Annually, Semi-Annually, Quarterly and
                              Monthly EFT

Guaranteed interest rate /    Yes/N/A
Portable

Death benefit                 Paid in lump sum unless otherwise
                              specified by owner.

Surrender charges             Earlier of 20 years or attained age 95.
                              Varies by issue age, gender, tobacco
                              status and duration.

Additional riders available   Chronic and Terminal Accelerated
                              Benefit Riders Premium Guarantee Rider
                              Waiver of Charges Children's Insurance
                              Rider

Mutual Trust Financial Group
| 800-323-7320x5308 | www.mutualtrust.com

Product Name                  Vanguard Silver

Availability                  All states except AL, AK, MD, MA, NJ,
                              NY, PA, VT

Issue ages                    0-80

Premium payment options       Annual, semi-annual, quarterly, monthly
                              PAC. List bill also available.

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Choice of three options. Option A: Face
                              amount of the policy plus the policy
                              account value. Option B: Face amount of
                              the policy. Option C: Face amount plus
                              paid premiums (minus withdrawals). In
                              no event will the death benefit be less
                              than the policy account value at the
                              beginning of the policy month of death
                              multiplied by the appropriate death
                              benefit percentage.

Surrender charges             Varies by issue age, duration, sex and
                              Tobacco/Non-Tobacco distinction. No
                              surrender charge after the 20th
                              duration of the original coverage or
                              the 20th duration of any increase in
                              coverage; only assessed against the
                              account for regular premiums.
                              No surrender charge is assessed against
                              the account for excess premiums.

Additional riders available   Wavier of Monthly Deduction; Acciden-
                              tal Death Benefit; Guaranteed Purchase
                              Option

National Western Life Insurance Co.
| 512-836-1010 | www.nationalwesternlife.com

Product Name                  NWL Lifetime Returns Select

Availability                  All states except MA, MN, NJ, NY, OK,
                              PA,VT

Issue ages                    45-85

Premium payment options       Single Pay, 10 Pay and 5 Pay

Guaranteed interest rate /    Yes/No
Portable

Death benefit                 Equal to the greater of the Face Amount
                              or the Account Balance with a
                              percentage adj. based on age as of the
                              last policy anniversary. May be
                              extended beyond age 121.

Surrender charges             1st Policy Yr: 45-70,7.00%; 71-80,
                              6.00%; 81-85,5.50%. 2nd Policy Yr+:
                              Percentages decrease .5% @ year

Additional riders available   Accelerated Benefit Rider; Living
                              Benefit Rider; Paid Up Life Insurance
                              Rider; Return of Premium Rider
                              (1 Pay Plan Only)

Nationwide | 800-321-6064 | www.nationwide.com

Product Name                  Nationwide YourLife No-Lapse
                              Guarantee UL

Availability                  All states

Issue ages                    18-85

Premium payment options       Flexible premiums permitted up to age
                              120

Guaranteed interest rate /    Yes/No
Portable

Death benefit                 Death benefit can be guaranteed
                              through age 120 (Lifetime). The policy
                              will not lapse as long as the Death
                              Benefit Guarantee Value less any
                              outstanding policy indebtness, is
                              greater than zero.

Surrender charges             Declines to 0% in the lesser of the
                              20th year or attained age 100

Additional riders available   Long Term Care rider (indemnity style
                              payout); Spouse rider; Children's Term
                              rider; Waiver of Monthly Deduction
                              rider; Accelerated DB rider; Accidental
                              DB rider

North American Co. | 800-800-3656 | www.nacolah.com

Product Name                  Custom GrowthCV

Availability                  All states except NY

Issue ages                    15 days - Age 75 (May vary by Class)

Premium payment options       Annually, Semi-Annually, Quarterly and
                              Monthly EFT

Guaranteed interest rate /    Yes/N/A
Portable

Death benefit                 Paid in lump sum unless otherwise
                              specified by owner.

Surrender charges             15 years. Varies by issue age, gender,
                              tobacco status, and duration.

Additional riders available   Chronic and Terminal Accelerated
                              Benefit Waiver of Surrender Charge
                              Option with Table Shave Return of
                              Premium Death Benefit Option
                              Endorsement

North American Co. | 800-800-3656 | www.nacolah.com

Product Name                  Custom Guarantee

Availability                  All states except NY

Issue ages                    15 days - Age 85 (May vary by Class)

Premium payment options       Annually, Semi-Annually, Quarterly and
                              Monthly EFT

Guaranteed interest rate /    Yes/N/A
Portable

Death benefit                 Paid in lump sum unless otherwise
                              specified by owner.

Surrender charges             20 years or to age 95, if less; varies
                              by issue age, gender, tobacco status
                              and duration.

Additional riders available   Chronic and Terminal Illness
                              Accelerated Benefit Waiver of Monthly
                              Deductions Children's Term Rider

Slorth American Co. | 800-800-3656 | www.nacolah.com

Product Name                  Custom TermGUL

Availability                  All states except NY

Issue ages                    15 days--Age 85 (May vary by Class)

Premium payment options       Annually, Semi-Annually, Quarterly and
                              Monthly EFT

Guaranteed interest rate /    Yes/N/A
Portable

Death benefit                 Paid in lump sum unless otherwise
                              specified by owner.

Surrender charges             20 years or to age 95, if less; Varies
                              by issue age, bender, tobacco status
                              and duration.

Additional riders available   Chronic and Terminal Illness,
                              Accelerated Benefit, Premium Guarantee
                              Rider, Waiver of Monthly Deductions
                              Rider, Children's Term Rider

Principal Life Insurance Co. | 515-247-5842 | www.principal.com

Product Name                  UL Protector IV

Availability                  All states except CA, CT, KS, MD, MA,
                              MN, NJ, NY,PA,VT

Issue ages                    0-85 (0-80 super preferred)

Premium payment options       Annual, Semiannual, Quarterly,
                              Monthly (EFT)

Guaranteed interest rate /    Yes /Yes
Portable

Death benefit                 The client may choose among three
                              death benefit options. Option 1 (Face
                              Amount), Option 2 (Face Amount plus
                              Accumulated Value), and Option 3 (Face
                              Amount plus Premiums). Death benefits
                              are decreased by any outstanding loan
                              indebtedness.

Surrender charges             19 year decreasing surrender charge.
                              Formula based on target premium,
                              gender, age, and risk class.

Additional riders available   Accelerated Benefits rider. Waiver of
                              Monthly Policy Charge rider, Cost of
                              Living rider, Children Term Insurance
                              rider, Extended Coverage rider. Salary
                              Increase rider, Aviation Exclusion
                              rider

Texas Life Insurance Co. | 800-283-9233 | www.texaslife.com

Product Name                  PureLife-plus, PureLife70 (NJ)

Availability                  All states except NY

Issue ages                    Employees, ages 17-70; Spouses, ages
                              17-60; Children and grandchildren, ages
                              15days-18years.

Premium payment options       Premium payments are payroll deducted
                              monthly, semi-monthly, bi-weekly.
                              weekly and can accommodate most
                              schooi year schedules, i.e., 9thly or
                              lOthly. In addition, ported policies can
                              be paid via monthly bank draft, monthly
                              direct bill ($2 monthly fee),
                              semi-annually or annually.

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Level death benefit option (Option A)
                              that is guaranteed to the insured's age
                              121, as long as the necessary premiums
                              are paid. Increases or decreases in
                              the death benefit are not permitted;
                              the insured may increase the death
                              benefit. up to his or her lifetime
                              maximum, by purchasing additional
                              policies. Appropriate underwriting
                              questions must be answered when new
                              policies are applied for.

Surrender charges             There are no surrender charges
                              associated with PureLife-plus.

Additional riders available   Accidental Death Benefit, Waiver of
                              Premium, Child Term Ride

Transamerica Worksite Marketing
| 866-872-6726 | www.transamericaworksite.com

Product Name                  TransLegacy Universal Life

Availability                  All states except MT

Issue ages                    15 days through age 70

Premium payment options       Premiums are flexible. There are two
                              product variations--high cash value
                              and high face amount. The high cash
                              value variation has planned premiums
                              designed to endow the product at age
                              100. The high face amount variation has
                              planned premiums designed to carry the
                              policy to the later of age 81 or
                              15 policy years.

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Both level and increasing death benefit
                              options are available. The face amount
                              may be increased or decreased, subject
                              to insurability and other conditions
                              stated in the Contract.

Surrender charges             Surrender charges are per $1,000 of
                              face amount, are level for the first
                              4 contract years, then decrease in
                              years 5 through 14. There are no
                              surrender charges in years 15 and
                              greater.

Additional riders available   Waiver of Monthly Deductions for
                              Disability, Waiver of Monthly
                              Deductions for Layoff, Accidental Death
                              and Dismemberment, Accelerated Death
                              Benefit for Long Term Care, Extension
                              of Benefits for Long Term Care,
                              Accelerated Death Benefit for Critical
                              Care, Accelerated Death Benefit for
                              Terminal Illness, Child Term Rider,
                              Level Term Rider, and Automatic Face
                              Amount Increase Option

Unum | 423-294-8293 | www.unum.com

Product Name                  Voluntary Universal Life

Availability                  All states

Issue ages                    15-80

Premium payment options       Payroll deduction, all modes

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Adjustable death benefit payable at
                              death; net cash value payable on
                              maturity date of age 100

Surrender charges             14 years, decreasing from 100% by 5%
                              until year 10; from year 11 decreasing
                              by 10% until 15% in year 14 and then 0
                              in year 15

Additional riders available   Long term care rider, Automatic
                              increase rider, Accidental death
                              benefit, Waiver of monthly deduction,
                              Living benefit option, Children's term
                              insurance

Washington National Insurance Co.
| 888-266-6002 | www.partnerwith.com

Product Name                  Worksite UL2

Availability                  All states except MA, MN, NY, VT

Issue ages                    15 days through age 70

Premium payment options       Payroll deduction or monthly bank draft
                              (monthly bank draft is available for
                              employee groups where the employer
                              does not want to be billed or for credit
                              union groups)

Guaranteed interest rate /    Yes/Yes
Portable

Death benefit                 Minimum face amount: $5,000; Maximum
                              face amount: $150,000 (can increase
                              to $250,000 with the automatice benefit
                              increase rider)

Surrender charges             15 years and graded depending on
                              the length of time the policy has been
                              inforce

Additional riders available   Accelerated Benefit for Terminal
                              Illness rider (free); Accidental Death
                              Benefit rider; Automatic Benefit
                              Increase rider; Children's Level Term
                              Insurance rider; Waiver of Stipulated
                              Premium rider
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Publication:Benefits Selling
Date:Sep 1, 2011
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