Universal Life Design Objectives

New York Life NYLIAC Accumulator

CV Accumulation; Maximum Retirement Income; Business Applications

North American Life Custom GrowthCV

Long Term Accumulation Values; Target Premiums; Guaranteed Premium & Interest Bonus; Maximum Income; Overloan Protection Benefit

North American Life Custom Guarantee

Dial-a-DB Guarantee to Age 120; Protected Pour-In Rider; Low Minimum Face Amount; Preferred Loans

Northwestern Mutual Custom UL Protector

DB Sales; Long Term Values; Premium and DB Flexibility; Business Applications

Northwestern Mutual Custom UL Accumulator

Accumulation Sales; Long Term Values; Premium and DB Flexibility

Ohio National Life Virtus Lifetime G

Low Cost Lifetime DB Guarantee

Ohio National Life Virtus Value II

Low Premium to Carry & Endow; Long Term Values; DB Sales; Accum. Sales

Old Mutual Life ValueMaster UL

DB Guarantees

Old Mutual Life SecureMaster

Nonmedical Underwriting; Simplified Issue

Old Mutual Life WealthMaster UL

Various Sales Scenarios; Age 100 DB Guarantee

Pacific Life VersaFlex NLG

Early CVs; DB Guarantees

Penn Mutual Life Protection For Life

Lifetime DB Guarantee; Return of Premium Option; Business Applications

Penn Mutual Life Guaranteed Protection UL

Guaranteed DB Protection to Age 121 With Ability To Set Guarantee and Premium Payment Period

Phoenix Life UL with Guarantee

Lifetime DB Guarantee; DB Sales

Phoenix Life Accumulator UL

Low Premium to Endow & Carry; Accum. Sales; Various Sales Scenarios; Maximum Income; Long Term Values

Principal Life UL Accumulator

High Early CV; Maximum Retirement Income; Broad/Favorable Underwriting; COLI; Long Term Values

Principal Life UL3

Low Premium to Endow & Carry; High CV; Maximum Retirement Income; Business Applications; COLI; Long Term Values; Term Alternative

Principal Life UL Protector III

Competitive Lifetime DB Guarantee; Broad/Favorable Underwriting

Protective Life Pro Value

Long Term Cash Value Accum.; Maximum Income; Low Premium to Endow & Carry

Protective Life 100 Plus

CV Accum.; Maximum Retirement Income; Long Term Values

Protective Life Centennial G II Plus

Lifetime DB Guarantee; Accum. Sales; DB Sales; Various Funding Scenarios; Long Term Value

Protective Life Centennial G II

Lifetime DB Guarantee; Low Premium to Guarantee DB; DB Sales; Various Sales and Funding Scenarios

Protective Life Classic UL II

Low Premium to Endow & Carry; Maximum DB; Accum. Sales

Prudential Financial Life PruLife Universal Protector

“Dialable” DB; Flexible No-Lapse Guarantee

Prudential Financial Life PruLife Universal Plus

CV Accumulation; Persistency Bonus

Security Mutual Life of NY Premier UL/Premier UL XLC

Low Premium to Endow & Carry; Low Minimum Premium; Long Term Accum.; Good Long-term Value; Attractive Targets

Security Mutual Life of NY Capital UL

High Early CVs; Business Applications; Liquidity

State Farm Life Universal Life

DB Sales; Accum. Sales

Sun Life Financial Universal ProtectorPlus

Various Sales Scenarios; Maximum DBs; CV Accumulation

Sun Life Financial Universal Protector

DB Guarantee to Lifetime; Maximum DBs; Business Applications

Thrivent Financial for Lutherans Universal Life II

Lifetime DB Guarantee; Long Term Values

Thrivent Financial for Lutherans UL Lifetime Protector

Lifetime DB Guarantee; DB Sales

Transamerica Occidental Life TransAce

Lifetime DB Guarantee

Transamerica Occidental Life TransACE NY

Lifetime DB Guarantee

Transamerica Occidental Life TransUltra SP 2006

CV Accum.; Low Premium to Endow & Carry

Transamerica Occidental Life TransUltra Plus 2006

Maximum DBs

Union Central Life (UNIFI Co) Excel Protector

Long Term Values; Low Premium to Carry

USAA Life Universal Life

No Surrender Charge; Low Expenses; Early CV Accum.

USAA Life of NY Universal Life

No Surrender Charge; Low Expenses; Early CV Accum.

United States Life of NY (AIG) Elite UL – NY

Low Premiums; High Internal Rate of Return; NY Availability

United States Life of NY (AIG) AIG ContinUL Extend

Flexible DB Guarantee; Standard Plus Nontobacco Class; Supplemental DB Blending; 28-Day NLG Grace Period;

West Coast Life Lifetime Platinum III

Lifetime DB Guarantee; Low Premium to Guarantee DB; DB Sales; Various Sales and Funding Scenarios

West Coast Life LifeTime Advantage 100

Low Premium to Endow; Accum. Sales; 2-year Rolling Target Premium

West Coast Life Lifetime Platinum III Plus

Lifetime DB Guarantee; Accumulation Sales; DB Sales; Various Funding Scenarios; Long Term Value

William Penn Life of NY Longevity UL 100

Competitive Lifetime Premiums; Full DB Guarantee