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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 (as of 11/1/08) | |||||||||||||||||
| $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 | ||||||||||
| Ameritas Life (UNIFI Co.) | Excel Secondary Guarantee SUL | Lifetime | 9,751 | 20,868 | 31,657 | NonTobacco | 121 | ||||||||||
| Aviva Life | Indexed SUL | Lifetime | 10,530 | 22,970 | 31,091 | NonTobacco | 121 | ||||||||||
| Aviva - Bankers Life of NY | Indexed SUL | Lifetime | 10,530 | 22,970 | 31,091 | NonTobacco | 121 | ||||||||||
| AXA Equitable Life | Athena SUL III | Age 100 | 9,400 | 20,187 | 31,993 | Standard NonTobacco | 100 | ||||||||||
| Genworth Life | Lifetime Provider (SM) SUL II | Lifetime | 9,047 | 19,029 | 31,647 | Standard No Nicotine Use | 121 | ||||||||||
| ING "Security Life of Denver" | ING SUL-GDB | Lifetime | 9,501 | 18,489 | 29,396 | Standard Non Smoker | 121 | ||||||||||
| John Hancock Life (USA) | Protection SUL-G | Lifetime | 8,825 | 18,625 | 27,163 | Standard Plus Nonsmoker | 121 | ||||||||||
| Lincoln Benefit Life | Legacy Secure SL (2008) | Lifetime | 9,462 | 19,516 | 28,670 | Standard NonSmoker | 121 | ||||||||||
| Lincoln National | Lincoln LifeGuarantee SUL | Lifetime | 9,333 | 18,686 | 27,219 | Standard NonTobacco | 121 | ||||||||||
| Massachusetts Mutual Life | SUL Guard(SM) | Lifeitme | 9,678 | 19,720 | 33,835 | NonTobacco | 100 | ||||||||||
| MetLife Investors | Legacy Advantage SUL | Lifetime | 9,335 | 19,294 | 30,018 | Standard NonSmoker | 120 | ||||||||||
| New York Life | SUL Lifetime Guarantee | Age 121 | 9,600 | 20,015 | 30,758 | Non Smoker | 121 | ||||||||||
| Nationwide Life | Nationwide YourLife SUL | Lifetime | 9,663 | 21,857 | 37,177 | NonTobacco | 100 | ||||||||||
| Pacific Life | Pacific Estate Preserver III | Age 100 | 7,835 | 15,830 | N/A | Standard NonSmoker | 100 | ||||||||||
| Penn Mutual Life | Estate Protection For Life | Age 121 | 9,521 | 19,397 | 27,542 | Standard NonTobacco | 121 | ||||||||||
| Phoenix Life | Survivorship UL with Guarantee | Lifetime | 9,153 | 18,956 | 30,661 | Standard NonSmoker | 121 | ||||||||||
| Principal Life | Survivorship UL Protector | Lifetime | 9,464 | 18,680 | 29,286 | Standard NonTobacco | 121 | ||||||||||
| Protective Life | Protective Centennial Survivor G UL | Lifetime | 9,014 | 18,621 | 28,487 | NonTobacco | 121 | ||||||||||
| Prudential Financial | PruLife SUL Protector | Lifetime | 9,329 | 19,408 | 30,970 | NonSmoker Plus | 121 | ||||||||||
| Sun Life Financial | Sun Survivorship LP3 | Lifetime | 9,020 | 19,480 | 29,079 | Standard NonTobacco | 100 | ||||||||||
| Transamerica Life | TransAce Survivor Life 2008 | Lifetime | 8,898 | 18,373 | 25,575 | Standard Nonsmoker | 111 | ||||||||||
| Transamerica Life | TransACE Survivor New York | Lifetime | 11,220 | 21,723 | 34,188 | Standard | 100 | ||||||||||
| West Coast Life | Golden Legacy Protector X | Lifetime | 9,014 | 18,621 | 28,487 | NonTobacco | 121 | ||||||||||
| $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 | ||||||||||
| Ameritas Life (UNIFI Co.) | Excel Secondary Guarantee SUL | Lifetime | 180,835 | 313,346 | 423,831 | NonTobacco | 121 | ||||||||||
| Aviva Life | Indexed SUL | Lifetime | 162,927 | 317,055 | 403,739 | NonTobacco | 121 | ||||||||||
| Aviva - Bankers Life of NY | Indexed SUL | Lifetime | 162,927 | 317,055 | 403,739 | NonTobacco | 121 | ||||||||||
| AXA Equitable Life | Athena SUL III | Age 100 | 158,699 | 294,367 | 441,042 | Standard NonTobacco | 100 | ||||||||||
| Genworth Life | Lifetime Provider (SM) SUL II | Lifetime | 161,678 | 270,365 | 404,365 | Standard No Nicotine Use | 121 | ||||||||||
| ING "Security Life of Denver" | ING SUL-GDB | Lifetime | 167,125 | 277,770 | 382,115 | Standard Non Smoker | 121 | ||||||||||
| John Hancock Life (USA) | Protection SUL-G | Lifetime | 163,444 | 291,219 | 363,757 | Standard Plus Nonsmoker | 121 | ||||||||||
| Lincoln Benefit Life | Legacy Secure SL (2008) | Lifetime | 213,108 | 399,231 | 536,736 | Standard NonSmoker | 121 | ||||||||||
| Lincoln National | Lincoln LifeGuarantee SUL | Lifetime | 167,180 | 295,687 | 395,718 | Standard NonTobacco | 121 | ||||||||||
| Massachusetts Mutual Life | SUL Guard(SM) | Lifeitme | 176,491 | 294,047 | 420,323 | NonTobacco | 100 | ||||||||||
| MetLife Investors | Legacy Advantage SUL | Lifetime | 163,193 | 296,237 | 406,220 | Standard NonSmoker | 120 | ||||||||||
| New York Life | SUL Lifetime Guarantee | Age 121 | 191,657 | 329,844 | 436,343 | Non Smoker | 121 | ||||||||||
| Nationwide Life | Nationwide YourLife SUL | Lifetime | 167,123 | 305,008 | 435,934 | NonTobacco | 100 | ||||||||||
| Pacific Life | Pacific Estate Preserver III | Age 100 | 139,926 | 229,293 | N/A | Standard NonSmoker | 100 | ||||||||||
| Penn Mutual Life | Estate Protection For Life | Age 121 | 182,026 | 307,884 | 387,331 | Standard NonTobacco | 121 | ||||||||||
| Phoenix Life | Survivorship UL with Guarantee | Lifetime | 176,459 | 301,811 | 409,369 | Standard NonSmoker | 121 | ||||||||||
| Principal Life | Survivorship UL Protector | Lifetime | 164,863 | 282,152 | 397,449 | Standard NonTobacco | 121 | ||||||||||
| Protective Life | Protective Centennial Survivor G UL | Lifetime | 163,114 | 281,222 | 372,612 | NonTobacco | 121 | ||||||||||
| Prudential Financial | PruLife SUL Protector | Lifetime | 157,260 | 285,169 | 398,306 | NonSmoker Plus | 121 | ||||||||||
| Sun Life Financial | Sun Survivorship LP3 | Lifetime | 163,858 | 287,588 | 394,407 | Standard NonTobacco | 100 | ||||||||||
| Transamerica Life | TransAce Survivor Life 2008 | Lifetime | 153,423 | 265,775 | 349,864 | Standard Nonsmoker | 111 | ||||||||||
| Transamerica Life | TransACE Survivor New York | Lifetime | 202,331 | 314,262 | 416,845 | Standard | 100 | ||||||||||
| West Coast Life | Golden Legacy Protector X | Lifetime | 163,114 | 281,222 | 372,612 | NonTobacco | 121 | ||||||||||
| $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 | ||||||||||
| Ameritas Life (UNIFI Co.) | Excel Secondary Guarantee SUL | Lifetime | 20,672 | 37,408 | 51,235 | NonTobacco | 121 | ||||||||||
| Aviva Life | Indexed SUL | Lifetime | 20,938 | 39,786 | 51,304 | NonTobacco | 121 | ||||||||||
| Aviva - Bankers Life of NY | Indexed SUL | Lifetime | 20,938 | 39,786 | 51,304 | NonTobacco | 121 | ||||||||||
| AXA Equitable Life | Athena SUL III | Age 100 | 21,362 | 38,356 | 54,370 | Standard NonTobacco | 100 | ||||||||||
| Genworth Life | Lifetime Provider (SM) SUL II | Lifetime | 20,528 | 36,441 | 56,299 | Standard No Nicotine Use | 121 | ||||||||||
| ING "Security Life of Denver" | ING SUL-GDB | Lifetime | 20,833 | 35,016 | 49,991 | Standard Non Smoker | 121 | ||||||||||
| John Hancock Life (USA) | Protection SUL-G | Lifetime | 20,120 | 40,844 | 50,812 | Standard Plus Nonsmoker | 121 | ||||||||||
| Lincoln Benefit Life | Legacy Secure SL (2008) | Lifetime | 20,969 | 35,444 | 45,769 | Standard NonSmoker | 121 | ||||||||||
| Lincoln National | Lincoln LifeGuarantee SUL | Lifetime | 20,539 | 36,358 | 48,841 | Standard NonTobacco | 121 | ||||||||||
| Massachusetts Mutual Life | SUL Guard(SM) | Lifeitme | 21,843 | 36,257 | 52,878 | NonTobacco | 100 | ||||||||||
| MetLife Investors | Legacy Advantage SUL | Lifetime | 18,937 | 34,421 | 47,565 | Standard NonSmoker | 120 | ||||||||||
| New York Life | SUL Lifetime Guarantee | Age 121 | 23,694 | 42,487 | 58,619 | Non Smoker | 121 | ||||||||||
| Nationwide Life | Nationwide YourLife SUL | Lifetime | 19,945 | 39,577 | 56,856 | NonTobacco | 100 | ||||||||||
| Pacific Life | Pacific Estate Preserver III | Age 100 | 15,965 | 27,857 | N/A | Standard NonSmoker | 100 | ||||||||||
| Penn Mutual Life | Estate Protection For Life | Age 121 | 20,786 | 38,016 | 48,960 | Standard NonTobacco | 121 | ||||||||||
| Phoenix Life | Survivorship UL with Guarantee | Lifetime | 21,652 | 37,724 | 51,050 | Standard NonSmoker | 121 | ||||||||||
| Principal Life | Survivorship UL Protector | Lifetime | 20,307 | 34,768 | 48,118 | Standard NonTobacco | 121 | ||||||||||
| Protective Life | Protective Centennial Survivor G UL | Lifetime | 18,260 | 32,535 | 44,879 | NonTobacco | 121 | ||||||||||
| Prudential Financial | PruLife SUL Protector | Lifetime | 19,829 | 36,281 | 51,487 | NonSmoker Plus | 121 | ||||||||||
| Sun Life Financial | Sun Survivorship LP3 | Lifetime | 19,486 | 36,827 | 51,521 | Standard NonTobacco | 100 | ||||||||||
| Transamerica Life | TransAce Survivor Life 2008 | Lifetime | 19,550 | 35,294 | 48,159 | Standard Nonsmoker | 111 | ||||||||||
| Transamerica Life | TransACE Survivor New York | Lifetime | 24,928 | 39,612 | 53,998 | Standard | 100 | ||||||||||
| West Coast Life | Golden Legacy Protector X | Lifetime | 18,260 | 32,535 | 44,879 | NonTobacco | 121 | ||||||||||
| Illustration Footnote & Clarification | |||||||||||||||||
| Massachusetts Mutual Life | SUL Guard(SM) | Lifetime guaranteed premium assumes all premium is paid into the GDB Premium Account (GDB PA). | |||||||||||||||
| Pacific Life | Pacific Estate Preserver III | PEPIII is not issued above Age 75 with the FDNLG rider; level-pay scenarios are 100% commissionable target; 1-Pay and 10-Pays are 50% base, 50% term rider. | |||||||||||||||
| Level-pay scenarios are 100% commissionable target; 1-Pay and 10-Pays are 50% base, 50% term rider. | |||||||||||||||||
| West Coast Life | Golden Legacy Protector X | GLPT | |||||||||||||||