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| Demonstration version of Full Disclosure | ||||||||||
| Full Disclosure Web Site | ||||||||||
| Survivorship UL Lifetime/Age 100 Minimum Guaranteed Premiums | ||||||||||
| There are three parts to this chart: Annual, Single & Ten Pay Premiums | ||||||||||
| ILLUSTRATED (05/01/06) $1,000,000 Policy; Standard NonTobacco Class - Annual Premium | ||||||||||
| Company | Policy Name | Guarantee Period | Male Age 60/Female Age 55 | Male Age 70/Female Age 70 | Male Age 80/Female Age 75 | Issue Class Used | Premiums Payable to Younger Insured's Age | |||
| AIG American General Life | Elite Survivor G | Age 100 | 9,973 | 18,640 | 31,043 | Standard NonTobacco | 100 | |||
| AIG American General Life | Platinum Protector Survivor G | Lifetime | 9,680 | 18,452 | 29,624 | Standard NonTobacco | 100 | |||
| AmerUs Life | Indexed Survivor UL | Lifetime | 10,348 | 23,128 | 37,070 | Standard NonTobacco | 121 | |||
| AXA Equitable Life | Athena Survivorship UL II | Age 100 | 9,053 | 18,585 | 29,444 | Standard NonTobacco | 100 | |||
| Bankers Life of New York | Indexed Survivor UL | Lifetime | 10,348 | 23,128 | 37,070 | Standard NonTobacco | 121 | |||
| Banner Life | Survivor Life | Age 100 | 18,490 | 43,160 | 62,540 | Standard NonTobacco | 100 | |||
| First Colony Life | Lifetime Provider (SM) SUL | Lifetime | 9,435 | 19,537 | 32,269 | Standard No Nicotine | 100 | |||
| Indianapolis Life | Indexed Survivor UL | Lifetime | 10,348 | 23,128 | 37,070 | Standard NonTobacco | 121 | |||
| ING "Reliastar Life" | ING GPSUL | Lifetime | 12,247 | 21,341 | 32,781 | Standard NonTobacco | 100 | |||
| ING "Security Life of Denver" | GSUL | Lifetime | 11,966 | 23,044 | 34,686 | Standard NonTobacco | 100 | |||
| Jefferson-Pilot Life | Duet 300 Plus | Lifetime | 10,212 | 21,585 | 31,608 | Standard NonTobacco | 100 | |||
| Jefferson-Pilot Life | Duet 300 XG | Lifetime | 8,967 | 18,380 | 27,676 | Standard NonTobacco | 100 | |||
| John Hancock Life | Performance SUL | Lifetime | 19,080 | 41,555 | 65,085 | Standard NonTobacco | 100 | |||
| John Hancock USA | Protection SUL-G | Lifetime | 9,612 | 20,047 | 30,175 | Standard Nonsmoker | 121 | |||
| Lincoln National Life | SUL LPR 6 | Lifetime* | 10,066 | 19,399 | 17,835 | NonSmoker | 99 | |||
| Massachusetts Mutual Life | SUL Guard(SM) | Lifetime | 9,535 | 19,685 | 28,581 | Non Tobacco | 100 | |||
| MetLife | Legacy Advantage SUL | Lifetime | 9,335 | 19,294 | 30,018 | Standard NonSmoker | 120 | |||
| Midland National Life | Survivorship Innovation UL | Age 100 | 10,169 | 19,764 | 31,852 | NonSmoker | 100 | |||
| Nationwide Life | Legacy Provider SUL | Age 100 | 10,932 | 22,144 | 19,705 | Standard Nontobacco | 100 | |||
| New York Life | NYLIAC SUL | Lifetime | 13,168 | 23,681 | 36,054 | NonSmoker | 100 | |||
| Pacific Life | Pacific Estate Preserver II | Lifetime | 10,840 | 23,930 | N/A | NonSmoker | 100 | |||
| Penn Mutual Life | EstateMax II | Age 120 | 10,308 | 18,759 | 16,934 | Standard NonTobacco | 100 | |||
| Phoenix Life | Phoenix Estate Legacy III | Lifetime | 10,665 | 21,562 | 18,245 | Nonsmoker | 100 | |||
| Principal Life | Survivorship Universal Life | Lifetime | 11,674 | 24,462 | 37,437 | Standard Nonsmoker | 100 | |||
| Protective Life | Survivor Select UL III | Age 100 | 8,975 | 20,248 | 32,073 | Non Tobacco | 100 | |||
| Prudential Financial Life | PruLife SUL Protector | Lifetime | 10,509 | 20,245 | 30,939 | Preferred NonSmoker | 99 | |||
| Sun Life Financial | Sun SUL - LP2 | Age 100 | 8,930 | 18,019 | 27,519 | Standard | 100 | |||
| US Life of NY (AIG Co.) | Survivorship Premier | Age 100 | 9,973 | 18,640 | 31,043 | Standard NonTobacco | 100 | |||
| West Coast Life | Golden Legacy Protector IV | Age 120 | 9,564 | 20,839 | 16,951 | Standard NonTobacco | 100 | |||
| ILLUSTRATED (05/01/06) $1,000,000 Policy; Standard NonTobacco Class - Single Premium | ||||||||||
| Company | Policy Name | Guarantee Period | Male Age 60/Female Age 55 | Male Age 70/Female Age 70 | Male Age 80/Female Age 75 | Issue Class Used | Premiums Payable to Younger Insured's Age | |||
| AIG American General Life | Elite Survivor G | Age 100 | 180,553 | 293,175 | 449,165 | Standard NonTobacco | 100 | |||
| AIG American General Life | Platinum Protector Survivor G | Lifetime | 175,243 | 290,224 | 428,641 | Standard NonTobacco | 100 | |||
| AmerUs Life | Indexed Survivor UL | Lifetime | 159,872 | 317,126* | 461,153 | Standard NonTobacco | 121 | |||
| AXA Equitable Life | Athena Survivorship UL II | Age 100 | 169,295 | 279,265 | 389,522 | Standard NonTobacco | 100 | |||
| Bankers Life of New York | Indexed Survivor UL | Lifetime | 159,872 | 317,126* | 461,153 | Standard NonTobacco | 121 | |||
| First Colony Life | Lifetime Provider (SM) SUL | Lifetime | 164,696 | 259,400 | 386,671 | Standard No Nicotine | 100 | |||
| Indianapolis Life | Indexed Survivor UL | Lifetime | 159,872 | 317,126* | 461,153 | Standard NonTobacco | 121 | |||
| ING "Reliastar Life" | ING GPSUL | Lifetime | 205,341 | 310,477 | 420,665 | Standard NonTobacco | 100 | |||
| ING "Security Life of Denver" | GSUL | Lifetime | 196,554 | 326,835 | 435,963 | Standard NonTobacco | 100 | |||
| Jefferson-Pilot Life | Duet 300 Plus | Lifetime | 183,149 | 320,372 | 410,677 | Standard NonTobacco | 100 | |||
| Jefferson-Pilot Life | Duet 300 XG | Lifetime | 164,008 | 278,952 | 370,637 | Standard NonTobacco | 100 | |||
| John Hancock Life | Performance SUL | Lifetime | 346,940* | 535,361** | 643,922*** | Standard NonTobacco | 100 | |||
| John Hancock USA | Protection SUL-G | Lifetime | 186,230 | 324,075 | 409,919 | Standard Nonsmoker | 121 | |||
| Lincoln National Life | SUL LPR 6 | Lifetime* | 191,945 | 301,559 | 301,276 | NonSmoker | 99 | |||
| Massachusetts Mutual Life | SUL Guard(SM) | Lifetime | 172,888 | 293,746 | 364,491 | Non Tobacco | 100 | |||
| MetLife | Legacy Advantage SUL | Lifetime | 163,193 | 296,235 | 406,220 | Standard NonSmoker | 120 | |||
| Midland National Life | Survivorship Innovation UL | Age 100 | 187,405 | 301,193 | 419,941 | NonSmoker | 100 | |||
| Nationwide Life | Legacy Provider SUL | Age 100 | 196,332 | 330,284 | 308,629 | Standard Nontobacco | 100 | |||
| Penn Mutual Life | EstateMax II | Age 120 | 207,202 | 320,679 | 323,382 | Standard NonTobacco | 100 | |||
| Phoenix Life | Phoenix Estate Legacy III | Lifetime | 180,462 | 312,063 | 276,163 | Nonsmoker | 100 | |||
| Principal Life | Survivorship Universal Life | Lifetime | 247,096 | 432,108 | N/A* | Standard Nonsmoker | 100 | |||
| Protective Life | Survivor Select UL III | Age 100 | 164,371 | 307,249 | 422,155 | Non Tobacco | 100 | |||
| Prudential Financial Life | PruLife SUL Protector | Lifetime | 179,889 | 291,615 | 388,119 | Preferred NonSmoker | 99 | |||
| Sun Life Financial | Sun SUL - LP2 | Age 100 | 162,843 | 258,022 | 358,455 | Standard | 100 | |||
| US Life of NY (AIG Co.) | Survivorship Premier | Age 100 | 180,554 | 293,175 | 449,165 | Standard NonTobacco | 100 | |||
| West Coast Life | Golden Legacy Protector IV | Age 120 | 245,256 | 471,219 | 413,983 | Standard NonTobacco | 100 | |||
| ILLUSTRATED (05/01/06) $1,000,000 Policy; Standard NonTobacco Class - Ten-Pay Premium | ||||||||||
| Company | Policy Name | Guarantee Period | Male Age 60/Female Age 55 | Male Age 70/Female Age 70 | Male Age 80/Female Age 75 | Issue Class Used | Premiums Payable to Younger Insured's Age | |||
| AIG American General Life | Elite Survivor G | Age 100 | 22,487 | 36,513 | 55,940 | Standard NonTobacco | 100 | |||
| AIG American General Life | Platinum Protector Survivor G | Lifetime | 21,825 | 36,145 | 53,384 | Standard NonTobacco | 100 | |||
| AmerUs Life | Indexed Survivor UL | Lifetime | 20,498 | 39,786 | 58,467 | Standard NonTobacco | 121 | |||
| AXA Equitable Life | Athena Survivorship UL II | Age 100 | 19,102 | 32,257 | 44,900 | Standard NonTobacco | 100 | |||
| Bankers Life of New York | Indexed Survivor UL | Lifetime | 20,498 | 39,786 | 58,467 | Standard NonTobacco | 121 | |||
| First Colony Life | Lifetime Provider (SM) SUL | Lifetime | 20,711 | 34,517 | 52,403 | Standard No Nicotine | 100 | |||
| Indianapolis Life | Indexed Survivor UL | Lifetime | 20,498 | 39,786 | 58,467 | Standard NonTobacco | 121 | |||
| ING "Reliastar Life" | ING GPSUL | Lifetime | 25,033 | 37,972 | 52,047 | Standard NonTobacco | 100 | |||
| ING "Security Life of Denver" | GSUL | Lifetime | 24,132 | 40,270 | 54,360 | Standard NonTobacco | 100 | |||
| Jefferson-Pilot Life | Duet 300 Plus | Lifetime | 21,959 | 38,563 | 50,109 | Standard NonTobacco | 100 | |||
| Jefferson-Pilot Life | Duet 300 XG | Lifetime | 20,031 | 34,162 | 45,818 | Standard NonTobacco | 100 | |||
| John Hancock Life | Performance SUL | Lifetime | 48,742 | 88,593 | 125,357 | Standard NonTobacco | 100 | |||
| John Hancock USA | Protection SUL-G | Lifetime | 27,451 | 43,263 | 55,979 | Standard Nonsmoker | 121 | |||
| Lincoln National Life | SUL LPR 6 | Lifetime* | 21,356 | 35,855 | 34,440 | NonSmoker | 99 | |||
| Massachusetts Mutual Life | SUL Guard(SM) | Lifetime | 21,396 | 36,216 | 45,658 | Non Tobacco | 100 | |||
| MetLife | Legacy Advantage SUL | Lifetime | 18,937 | 34,421 | 47,565 | Standard NonSmoker | 120 | |||
| Midland National Life | Survivorship Innovation UL | Age 100 | 22,370 | 36,301 | 51,505 | NonSmoker | 100 | |||
| Nationwide Life | Legacy Provider SUL | Age 100 | 23,042 | 38,951 | 36,303 | Standard Nontobacco | 100 | |||
| Pacific Life | Pacific Estate Preserver II | Lifetime | 24,197 | 45,231 | N/A | NonSmoker | 100 | |||
| Penn Mutual Life | EstateMax II | Age 120 | 25,528 | 38,587 | 38,705 | Standard NonTobacco | 100 | |||
| Phoenix Life | Phoenix Estate Legacy III | Lifetime | 25,818 | 44,386 | 40,260 | Nonsmoker | 100 | |||
| Protective Life | Survivor Select UL III | Age 100 | 18,483 | 36,549 | 52,009 | Non Tobacco | 100 | |||
| Prudential Financial Life | PruLife SUL Protector | Lifetime | 22,085 | 36,014 | 48,691 | Preferred NonSmoker | 99 | |||
| Sun Life Financial | Sun SUL - LP2 | Age 100 | 16,975 | 30,342 | 41,380 | Standard | 100 | |||
| US Life of NY (AIG Co.) | Survivorship Premier | Age 100 | 22,487 | 36,513 | 55,940 | Standard NonTobacco | 100 | |||
| West Coast Life | Golden Legacy Protector IV | Age 120 | 24,230 | 44,429 | 37,927 | Standard NonTobacco | 100 | |||
| Illustration Footnote & Clarification | ||||||||||
| AIG American General Life | Elite Survivor G | Continuation of Coverage Rider is automatically included in this product. All illustration scenarios will reflect this. | ||||||||
| AIG American General Life | Platinum Protector Survivor G | All scenarios automatically include Maturity Extension (Death Benefit type) | ||||||||
| AmerUs Life | Indexed Survivor UL | Indexed SUL. Guideline Single Premium solve for 70 year olds restricted; death benefit guaranteed to Age 106. | ||||||||
| Bankers Life of New York | Indexed Survivor UL | Indexed SUL. Guideline Single Premium solve for 70 year olds restricted; death benefit guaranteed to Age 106. | ||||||||
| Banner Life | Survivor Life | Guarantee under Current Assumptions | ||||||||
| Indianapolis Life | Indexed Survivor UL | Indexed SUL. Guideline Single Premium solve for 70 year olds restricted; death benefit guaranteed to Age 106. | ||||||||
| John Hancock Life | Performance SUL | * Death Benefit Guar to Younger insured's age 90; ** Death Benefit Guar to age 92; ***Death Benefit Guar to Younger insured's age 91 | ||||||||
| John Hancock USA | Protection SUL-G | For annual pays, sometimes the premium is not required to reach age 121 | ||||||||
| Lincoln National Life | SUL LPR 6 | Age 100 w/ automatic extended maturity | ||||||||
| Principal Life | Survivorship Universal Life | System could not solve for 10 pay or single premium on male 80/female 75. | ||||||||
| US Life of NY (AIG Co.) | Survivorship Premier | All scenarios illustrated for the state of New York. Guaranteed Death Benefit Rider available only in NY. | ||||||||