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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.