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| Demonstration version of Full Disclosure | ||||||||||||||||||||
| Full Disclosure Web Site | ||||||||||||||||||||
| Current Universal Life Policy Illustrated Values | ||||||||||||||||||||
| $1,000,000 Male Age 40/Best NS Class^/Level DB; $7,500 Annual Premium | ||||||||||||||||||||
| As of July 1, 2006; In Most States | ||||||||||||||||||||
| Policies in this chart vary widely by objective. Included are an increasing number that are not designed to generate significant cash values, but instead | ||||||||||||||||||||
| guaranteed minimum premiums. These premiums may be featured at the end of this summary and are in more detail in the QuickShot (QS) Section of Full Disclosure. - Ed. | ||||||||||||||||||||
| There are two sections of this chart; scroll down for more. | ||||||||||||||||||||
| Company | Policy | Current Crediting Rate | Guaranteed Crediting Rate | Level DB Current Accum Value Year 5 | Level DB Current CV (net) Year 5 | Level DB Current Accum Value Year 30 | Level DB Current Accum Value Year 40 | Level DB IRR Current Accum Year 40 | Current Level Death Benefit Year 40 | Current Increasing DB Year 40 | IRR Current Increasing DB Year 40 | |||||||||
| Acacia Life (UNIFI Co.) | Flex-Account Ultra | 4.90% | 4.00% | 28,830 | 22,160 | 317,990 | 512,620 | 2.45% | 1,000,000 | 1,369,514 | 6.41% | |||||||||
| AIG American General Life | Elite UL 2003 | 5.55% | 3.00% | 23,859 | 3,859 | 378,174 | 677,780 | 3.63% | 1,000,000 | 1,556,755 | 6.89% | |||||||||
| AIG American General Life | Platinum Provider Ultra 2003 | 5.40% | 3.00% | 24,184 | 4,184 | 383,921 | 690,119 | 3.71% | 1,000,000 | 1,567,177 | 6.92% | |||||||||
| AmerUs Life | Patriot Solution | 5.65% | 4.00% | 14,989 | 542 | 256,313 | 412,319 | 1.49% | 1,000,000 | 1,312,031 | 6.25% | |||||||||
| AXA Equitable Life | Athena Universal Life II | 4.75% | 3.00% | 35,743 | 15,533 | 403,371 | 708,742 | 3.82% | 1,000,000 | 1,579,041 | 6.95% | |||||||||
| Bankers Life of NY | Capital Solution | 5.65% | 4.00% | 14,989 | 0 | 256,313 | 412,319 | 1.49% | 1,000,000 | 1,312,031 | 6.25% | |||||||||
| Banner Life | Continuity Lifetime UL | 4.80% | 3.00% | 27,566 | 13,580 | 357,613 | 600,820 | 3.13% | 1,000,000 | N/A | N/A | |||||||||
| Conseco Life | AssetBuilder | 5.00% | 2.00% | 30,443 | 4,050 | 306,856 | 426,318 | 1.64% | 1,000,000 | 1,244,167 | 6.04% | |||||||||
| Guardian Life | UL Accumulator (UL-ACC) | 5.00% | 4.00% | 34,672 | 13,042 | 393,762 | 698,321 | 3.76% | 1,000,000 | 1,561,685 | 6.90% | |||||||||
| Guardian Life | UL Protector (UL-PRO) | 4.00% | 3.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | N/A | N/A | |||||||||
| Indianapolis Life | Crown Solution | 5.65% | 4.00% | 14,989 | 542 | 256,313 | 412,319 | 1.49% | 1,000,000 | 1,312,031 | 6.25% | |||||||||
| ING "Reliastar Life" | ING Protector UL | 4.25% | 3.00% | 31,836 | 13,196 | 342,899 | 563,590 | 2.86% | 1,000,000 | 1,475,507 | 6.69% | |||||||||
| ING "Reliastar Life" | ING Capital Accumulator | 4.80% | 3.00% | 24,498 | 14,958 | 319,446 | 545,891 | 2.72% | 1,000,000 | 1,417,884 | 6.54% | |||||||||
| ING "Security Life of Denver" | Guaranteed Death Benefit UL | 4.50% | 4.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | 1,304,280 | 6.22% | |||||||||
| ING "Security Life of Denver" | Explorer UL | 4.75% | 4.00% | 11,070 | 3,325 | 254,675 | 391,473 | 1.26% | 1,000,000 | 1,283,224 | 6.16% | |||||||||
| ING "Security Life of Denver" | LDGUL | 4.25% | 4.00% | 21,868 | 0 | 231,240 | 312,541 | 0.20% | 1,000,000 | 1,229,350 | 6.00% | |||||||||
| Jackson National Life | Generations UL | 4.50% | 3.00% | 33,170 | 8,280 | 258,839 | 102,407 | N/A | 1,000,000 | N/A | N/A | |||||||||
| Jefferson-Pilot Life | JPF Legend XG | 3.00% | 3.00% | 33,100 | 12,310 | 191,369 | 107,280 | N/A | 1,000,000 | 1,028,745 | 5.31% | |||||||||
| Jefferson-Pilot Life | JPF Legend Plus | 5.00% | 3.00% | 37,415 | 16,625 | 383,314 | 634,071 | 3.36% | 1,000,000 | 1,498,244 | 6.75% | |||||||||
| Jefferson-Pilot Life | JPF Legend 400 | 4.35% | 4.00% | 24,743 | 1,193 | 314,810 | 533,998 | 2.63% | 1,000,000 | 1,413,037 | 6.53% | |||||||||
| Jefferson-Pilot Life | JPF Legend 3000 | 5.10% | 3.00% | 30,930 | 11,380 | 375,073 | 636,828 | 3.37% | 1,000,000 | 1,526,727 | 6.82% | |||||||||
| John Hancock Life | Performance UL Core | 4.55% | 3.00% | 25,835 | 21,067 | 344,454 | 574,642 | 2.94% | 1,000,000 | 1,472,688 | 6.68% | |||||||||
| John Hancock Life | Accumulation UL | 5.30% | 3.00% | 23,159 | 11,552 | 351,306 | 557,218 | 2.81% | 1,000,000 | 1,390,470 | 6.47% | |||||||||
| John Hancock Life (U.S.A.) | Protection UL G | 4.00% | 3.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | 1,019,209 | 5.27% | |||||||||
| Lincoln Benefit Life | Ultra Plus | 5.00% | 3.00% | 31,563 | 11,733 | 392,422 | 684,054 | 3.67% | 1,000,000 | 1,529,847 | 6.83% | |||||||||
| Lincoln Benefit Life | Legacy Secure | 5.00% | 3.00% | 25,396 | 6,526 | 317,584 | 523,514 | 2.54% | 1,000,000 | 1,393,737 | 6.48% | |||||||||
| Lincoln National Life | UL LPR7 | 4.55% | 4.00% | 21,540 | 549 | 290,335 | 389,973 | 1.24% | 1,000,000 | 1,251,680 | 6.07% | |||||||||
| Lincoln National Life | UL DB2 | 4.85% | 4.00% | 32,467 | 8,967 | 364,523 | 619,194 | 3.26% | 1,000,000 | 1,485,543 | 6.72% | |||||||||
| Massachusetts Mutual Life | Universal Life 2+ | 4.75% | 3.00% | 32,982 | 11,763 | 320,606 | 508,353 | 2.42% | 1,000,000 | 1,397,788 | 6.49% | |||||||||
| Massachusetts Mutual Life | UL Guard(SM) | 3.95% | 3.00% | 12,189 | 0 | 38,345 | 0 | N/A | 1,000,000 | N/A | N/A | |||||||||
| MetLife | Universal Advantage UL | 4.90% | 3.00% | 31,991 | 17,301 | 368,288 | 650,418 | 3.46% | 1,000,000 | 1,541,030 | 6.85% | |||||||||
| MetLife | Guarantee Advantage UL | 4.50% | 3.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | N/A | N/A | |||||||||
| Midland National Life | Executive Universal Life 5.1 | 5.00% | 3.50% | 26,223 | 4,143 | 423,509 | 810,183 | 4.36% | 1,000,000 | 1,663,242 | 7.14% | |||||||||
| Midland National Life | Innovation Universal Life 2.3 | 5.00% | 3.50% | 15,233 | 0 | 269,975 | 493,307 | 2.29% | 1,000,000 | 1,404,111 | 6.50% | |||||||||
| Midland National Life | Premier Universal Life 4 | 5.00% | 3.50% | 35,471 | 23,951 | 380,270 | 651,356 | 3.47% | 1,000,000 | 1,410,938 | 6.52% | |||||||||
| Mutual of Omaha Life | Priority Max GUL | 4.25% | 3.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | N/R | N/A | |||||||||
| National Life | NaviTrak | 5.00% | 4.00% | 28,608 | 23,513 | 388,505 | 683,465 | 3.67% | 1,000,000 | 1,552,750 | 6.88% | |||||||||
| Nationwide Financial Life | Ultimate Universal Life | 3.25% | 3.00% | 26,906 | 4,156 | 144,681 | 13,325 | N/A | 1,000,000 | 1,000,000 | 5.20% | |||||||||
| New York Life | NYLIAC Accumulator | 4.55% | 3.00% | 33,214 | 14,764 | 334,448 | 526,945 | 2.57% | 1,000,000 | 1,364,599 | 6.40% | |||||||||
| New York Life | NYLIAC Pinnacle UL AD104 | 4.85% | 3.00% | 9,598 | 9,598 | 239,385 | 395,080 | 1.30% | 1,000,000 | 1,319,132 | 6.27% | |||||||||
| New York Life | NYLIAC Protector 2005 | 3.85% | 3.00% | 33,803 | 15,503 | 319,579 | 498,464 | 2.33% | 1,000,000 | 1,362,357 | 6.39% | |||||||||
| North American Life | Custom TermUL | 4.45% | 3.00% | 31,988 | 8,938 | 366,671 | 611,790 | 3.21% | 1,000,000 | 1,495,054 | 6.74% | |||||||||
| North American Life | Custom Guarantee | 4.85% | 3.00% | 30,451 | 9,751 | 325,589 | 495,374 | 2.31% | 1,000,000 | 1,364,487 | 6.39% | |||||||||
| North American Life | Custom Extra | 4.00% | 3.00% | 31,472 | 12,752 | 309,233 | 451,158 | 1.89% | 1,000,000 | 1,360,450 | 6.38% | |||||||||
| North American Life | Custom Accumulator | 5.15% | 3.00% | 11,251 | 5,771 | 232,959 | 292,252 | -0.13% | 1,000,000 | 1,178,478 | 5.83% | |||||||||
| Northwestern Mutual Life | Custom UL Protector | 6.95%* | 4.00% | 33,799 | 26,333 | 498,839 | 1,012,595 | 5.25% | 1,063,225 | 1,741,594 | 7.31% | |||||||||
| Northwestern Mutual Life | Custom UL Accumulator | 7.15%* | 4.00% | 28,400 | 28,400 | 484,990 | 994,940 | 5.18% | 1,044,687 | 1,710,947 | 7.25% | |||||||||
| Ohio National Life | Virtus 100 G | 5.25% | 4.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | N/A* | N/A | |||||||||
| Ohio National Life | Virtus Value | 5.25% | 4.00% | 36,238 | 10,278 | 415,498 | 738,273 | 3.98% | 1,000,000 | 1,624,565 | 7.05% | |||||||||
| Pacific Life | VersaFlex VI | 5.70% | 3.00% | 26,975 | 23,954 | 364,861 | 651,316 | 3.47% | 1,000,000 | 1,498,390 | 6.75% | |||||||||
| Penn Mutual Life | Protection For Life | 5.40% | 3.00% | 17,052 | 12,593 | 231,055 | 325,443 | 0.39% | 1,000,000 | 1,230,917 | 6.00% | |||||||||
| Penn Mutual Life | Protection Builder | 5.60% | 4.00% | 26,376 | 22,596 | 350,310 | 604,551 | 3.16% | 1,000,000 | 1,446,247 | 6.62% | |||||||||
| Phoenix Life | Phoenix Accumulator UL | 5.00% | 4.00% | 35,609 | 12,854 | 390,485 | 694,301 | 3.73% | 1,000,000 | 1,548,539 | 6.87% | |||||||||
| Phoenix Life | Phoenix Generations | 4.25% | 4.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | N/A | N/A | |||||||||
| Principal Life | UL3 | 4.90%* | 3.00% | 37,895 | 24,749 | 376,797 | 611,037 | 3.20% | 1,000,000 | 1,473,481 | 6.69% | |||||||||
| Principal Life | UL Protector III | 3.05% | 3.00% | 24,345 | 1,049 | 102,366 | 0 | N//A | 1,000,000 | 1,000,000 | 5.20% | |||||||||
| Principal Life | UL Accumulator | 5.05%* | 3.00% | 28,066 | 23,848 | 316,589 | 506,212 | 2.40% | 1,000,000 | 1,374,324 | 6.42% | |||||||||
| Protective Life | Protective 100 Plus | 4.25% | 3.00% | 28,246 | 4,886 | 319,830 | 420,702 | 1.58% | 1,000,000 | 1,180,971 | 5.84% | |||||||||
| Prudential Financial Life | PruLife Universal Plus | 5.05% | 3.00% | 25,739 | 21,353 | 363,570 | 608,518 | 3.18% | 1,000,000 | 1,462,391 | 6.66% | |||||||||
| Prudential Financial Life | PruLife Universal Protector | 4.60% | 3.00% | 21,990 | 17,241 | 277,163 | 397,710 | 1.33% | 1,000,000 | 1,279,028 | 6.15% | |||||||||
| Security Mutual Life of NY | Security Premier UL/UL XLC | 5.25% | 3.00% | 32,993 | 18,677 | 410,361 | 747,827 | 4.04% | 1,000,000 | 1,610,159 | 7.02% | |||||||||
| Security Mutual Life of NY | Capital UL | 5.00% | 3.00% | 29,372 | 29,372 | 394,213 | 693,698 | 3.73% | 1,000,000 | 1,584,883 | 6.96% | |||||||||
| State Farm Life | Universal Life | 5.00% | 4.00% | 38,028 | 26,988 | 336,607 | 463,972 | 2.02% | 1,000,000 | 1,251,047 | 6.06% | |||||||||
| Sun Life Financial | Sun UL Protector - Plus | 5.10% | 3.00% | 25,731 | 20,871 | 298,682 | 513,292 | 2.46% | 1,000,000 | 1,399,475 | 6.49% | |||||||||
| Transamerica Occidental Life | TransUltra SP 2006 | 5.25% | 3.00% | 27,614 | 3,315 | 336,827 | 578,788 | 2.97% | 1,000,000 | N/A | N/A | |||||||||
| Transamerica Occidental Life | TransAce LP | 4.00% | 4.00% | 5,304 | 5,304 | 212,155 | 291,857 | -0.13% | 1,000,000 | N/A | N/A | |||||||||
| Union Central Life (UNIFI Co.) | Excel Protector | 5.55% | 3.00% | 29,529 | 8,103 | 392,013 | 692,535 | 3.72% | 1,000,000 | 1,557,693 | 6.89% | |||||||||
| USAA Life | Universal Life | 5.80% | 3.00% | 37,153 | 37,153 | 483,758 | 934,646 | 4.93% | 1,000,000 | 1,758,999 | 7.35% | |||||||||
| United States Life of NY (AIG Co.) | Medalist Premier | 4.85% | 4.00% | 31,099 | 20,834 | 361,418 | 615,472 | 3.23% | 1,000,000 | 1,483,325 | 6.71% | |||||||||
| West Coast Life | LifeTime Platinum 120 LP/SP | 4.00% | 3.00% | N/A* | N/A* | N/A* | N/A* | N/A* | 1,000,000 | N/A | N/A | |||||||||
| West Coast Life | LifeTime Advantage 100 | 4.90% | 3.00% | 34,662 | 16,692 | 459,849 | 866,940 | 4.63% | 1,000,000 | N/A | N/A | |||||||||
| Company | Policy | Minimum Premium to Endow Current | In Years | Min Premium to Endow Current Thereafter | Min Premium to Carry Current (Min CV@ Maturity) | In Years | Min Premium to Carry Current Thereafter | Current Target Premium | Current Ten-Pay Premium | Max Age/Year Secondary Guarantee Available | Premium for Maximum Secondary Guarantee | |||||||||
| Acacia Life (UNIFI Co.) | Flex-Account Ultra | 7,212 | All years | N/A | 6,641 | All years | N/A | 6,670 | 14,729 | 5 years | 3,791 | |||||||||
| AIG American General Life | Elite UL 2003 | 6,095 | All years | N/A | 5,598 | All years | N/A | 5,730 | 12,171 | 10 years | 3,480 | |||||||||
| AIG American General Life | Platinum Provider Ultra 2003 | 6,012 | All years | N/A | 5,469 | All years | N/A | 6,370 | 12,066 | 10 years | 3,480 | |||||||||
| AmerUs Life | Patriot Solution | 7,637 | All years | N/A | 7,334 | All years | N/A | 12,200 | 15,836 | 15 years | 5,176 | |||||||||
| AXA Equitable Life | Athena Universal Life II | 5,775 | All years | N/A | 4,921 | All years | N/A | 5,910 | 11,344 | Age 100 | 6,411 | |||||||||
| Bankers Life of NY | Capital Solution | 7,637 | All years | N/A | 7,334 | All years | N/A | 13,420 | 15,836 | 15 years | 5,176 | |||||||||
| Banner Life | Continuity Lifetime UL | 6,380 | All years | N/A | 5,262 | All years | N/A | 6,120 | 12,354 | Lifetime | 6,120 | |||||||||
| Conseco Life | AssetBuilder | 8,028 | All years | N/A | 7,727 | All years | N/A | 9,690 | 16,982 | Age 85 w/DBG | 9,690 | |||||||||
| Guardian Life | UL Accumulator (UL-ACC) | 5,944 | All years | N/A | 5,311 | All years | N/A | 4,980 | 13,638 | 5 years | N/A | |||||||||
| Guardian Life | UL Protector (UL-PRO) | N/A | N/A | N/A | 6,426 | All years | N/A | 6,440 | 14,863 | Age 121 | 6,426 | |||||||||
| Indianapolis Life | Crown Solution | 7,637 | All years | N/A | 7,334 | All years | N/A | 12,200 | 15,836 | 15 years | 5,176 | |||||||||
| ING "Reliastar Life" | ING Protector UL | 6,647 | All years | N/A | 5,445 | All years | N/A | 6,290 | 13,483 | 5 years | 5,010 | |||||||||
| ING "Reliastar Life" | ING Capital Accumulator | 7,009 | All years | N/A | 6,570 | All years | N/A | 9,240 | 14,444 | None | N/A | |||||||||
| ING "Security Life of Denver" | Guaranteed Death Benefit UL | 8,322 | All years | N/A | 6,896 | All years | N/A | 5,830 | 13,400 | Lifetime | 5,715 | |||||||||
| ING "Security Life of Denver" | Explorer UL | 7,977 | All years | N/A | 7,558 | All years | N/A | 14,130 | 16,393 | 9 years | 6,414 | |||||||||
| ING "Security Life of Denver" | LDGUL | 8,932 | All years | N/A | 7,935 | All years | N/A | 10,140 | N/A* | Lifetime | 7,897 | |||||||||
| Jackson National Life | Generations UL | 10,879 | All years | N/A | N/R | N/R | N/R | 6,134 | N/A | Lifetime | 6,134 | |||||||||
| Jefferson-Pilot Life | JPF Legend XG | 13,125 | All years | N/A | 12,671 | All years | N/A | 7,830 | 12,539 | Lifetime | 5,541 | |||||||||
| Jefferson-Pilot Life | JPF Legend Plus | 6,580 | All years | N/A | 6,012 | All years | N/A | 7,830 | 14,078 | Lifetime | 6,263 | |||||||||
| Jefferson-Pilot Life | JPF Legend 400 | 8,130 | 1-4 | 7,124 | 8,130 | 1-4 | 6,564 | 11,200 | 15,228 | 5 years | 8,130 | |||||||||
| Jefferson-Pilot Life | JPF Legend 3000 | 6,176 | All years | N/A | 5,223 | All years | N/A | 5,540 | 12,048 | 20 years | 3,574 | |||||||||
| John Hancock Life | Performance UL Core | 6,369 | All years | N/A | 5,254 | All years | N/A | 5,960 | 12,941 | Lifetime | 13,300 | |||||||||
| John Hancock Life | Accumulation UL | 7,502 | All years | N/A | 7,370 | All years | N/A | N/R | 16,184 | 5 years | 4,150 | |||||||||
| Lincoln Benefit Life | Ultra Plus | 6,266 | All years | N/A | 6,075 | All years | N/A | 6,846 | 13,636 | Age 84 | 15,559 | |||||||||
| Lincoln Benefit Life | Legacy Secure | 7,213 | All years | N/A | 6,566 | All years | N/A | 6,926 | 15,107 | Lifetime | 6,566 | |||||||||
| Lincoln National Life | UL LPR7 | 8,584 | All years | N/A | 8,584 | All years | N/A | 6,730 | 17,929 | Lifetime | 6,250 | |||||||||
| Lincoln National Life | UL DB2 | 6,417 | All years | N/A | 5,648 | All years | N/A | 6,900 | 12,974 | 5 years | 1,900 | |||||||||
| Massachusetts Mutual Life | Universal Life 2+ | 7,214 | All years | N/A | 6,241 | All years | N/A | 5,860 | 14,728 | None | N/A | |||||||||
| Massachusetts Mutual Life | UL Guard(SM) | N/A | N/A | N/A | N/A | N/A | N/A | 6,630 | N/A | Lifetime | 6,028 | |||||||||
| MetLife | Universal Advantage UL | 6,186 | All years | N/A | 6,067 | All years | N/A | 6,680 | 13,829 | 5 years | 4,762 | |||||||||
| MetLife | Guarantee Advantage UL | 8,900 | All years | N/A | 7,901 | All years | N/A | 6,927 | 18,419 | Lifetime | 6,150 | |||||||||
| Midland National Life | Executive Universal Life 5.1 | 5,467 | All years | N/A | 5,016 | All years | N/A | 10,750 | 10,525 | 15 years | 3,610 | |||||||||
| Midland National Life | Innovation Universal Life 2.3 | 5,160 | All years | N/A | 4,678 | All years | N/A | 6,150 | 15,929 | Lifetime | 6,030 | |||||||||
| Midland National Life | Premier Universal Life 4 | 6,794 | All years | N/A | 6,653 | All years | N/A | 6,630 | 13,881 | 10 years | 3,344 | |||||||||
| Mutual of Omaha Life | Priority Max GUL | N/A* | N/A* | N/A* | N/A* | N/A* | N/A* | 7,920 | N/A* | Age 120 | 6,938 | |||||||||
| National Life | NaviTrak | 6,070 | All years | N/A | 5,276 | All years | N/A | 5,770 | 11,803 | 5 years | 3,443 | |||||||||
| Nationwide Financial Life | Ultimate Universal Life | 13,675 | All years | N/A | 13,460 | All years | N/A | 6,797 | 14,984 | Lifetime | 6,413 | |||||||||
| New York Life | NYLIAC Accumulator | 7,304 | All years | N/A | 7,032 | All years | N/A | 8,500 | 15,759 | Age 100 | 8,616 | |||||||||
| New York Life | NYLIAC Pinnacle UL AD104 | 7,506 | All years | N/A | 6,555 | All years | N/A | 12,590 | 15,962 | 10 years | 4,221 | |||||||||
| New York Life | NYLIAC Protector 2005 | 7,439 | All years | N/A | 6,884 | All years | N/A | 8,500 | 16,670 | Age 121 | 7,776 | |||||||||
| North American Life | Custom TermUL | 6,432 | All years | N/A | 5,490 | All years | N/A | 6,990 | 13,221 | 10 years | 1,560 | |||||||||
| North American Life | Custom Guarantee | 7,486 | All years | N/A | 6,794 | All years | N/A | 6,380 | 14,995 | Age 120 | 6,361 | |||||||||
| North American Life | Custom Extra | 7,990 | All years | N/A | 6,414 | All years | N/A | 4,985 | 16,606 | 15 years | 3,585 | |||||||||
| North American Life | Custom Accumulator | 8,789 | All years | N/A | 8,410 | All years | N/A | 14,083 | N/A* | 3 years | 5,475 | |||||||||
| Northwestern Mutual Life | Custom UL Protector | 5,153* | All years | N/A | 5,010* | All years | N/A | 15,910 | 11,293* | None | N/A | |||||||||
| Northwestern Mutual Life | Custom UL Accumulator | 5,360* | All years | N/A | 5,242* | All years | N/A | 15,910 | 11,724* | None | N/A | |||||||||
| Ohio National Life | Virtus 100 G | N/R | N/R | N/R | N/R | N/R | N/R | 6,612 | N/R | Lifetime | 6,612 | |||||||||
| Ohio National Life | Virtus Value | 5,566 | All years | N/A | 4,700 | All years | N/A | 5,232 | 10,844 | 10 years | 5,233 | |||||||||
| Pacific Life | VersaFlex VI | 6,201 | All years | N/A | 5,927 | All years | N/A | 7,500 | 15,793 | Lifetime | 5,737 | |||||||||
| Penn Mutual Life | Protection For Life | 8,451 | All years | N/A | 8,451 | All years | N/A | 7,180 | 18,601 | Age 121 | 6,691 | |||||||||
| Penn Mutual Life | Protection Builder | 6,800 | All years | N/A | 6,452 | All years | N/A | 7,980 | 13,656 | 20 years | 3,612 | |||||||||
| Phoenix Life | Phoenix Accumulator UL | 6,099 | All years | N/A | 5,824 | All years | N/A | 8,756 | 13,092 | None | N/A | |||||||||
| Phoenix Life | Phoenix Generations | N/A | N/A | N/A | N/A | N/A | N/A | 6,615 | N/A | Lifetime | 6,615 | |||||||||
| Principal Life | UL3 | 6,632 | All years | N/A | 5,945 | All years | N/A | 7,030 | 14,367 | 48 years | 17,235 | |||||||||
| Principal Life | UL Protector III | 14,579 | All years | N/A | 13,883 | All years | N/A | 6,900 | N/R | Age 121 | 6,278 | |||||||||
| Principal Life | UL Accumulator | 7,252 | All years | N/A | 6,571 | All years | N/A | 7,030 | 14,813 | Age 100 | 14,150 | |||||||||
| Protective Life | Protective 100 Plus | 8,064 | All years | N/A | 7,950 | All years | N/A | 6,350 | 17,341 | 10 years | 4,570 | |||||||||
| Prudential Financial Life | PruLife Universal Plus | 6,842 | All years | N/A | 6,627 | All years | N/A | 6,450 | 15,404 | 20 years | 5,100 | |||||||||
| Prudential Financial Life | PruLife Universal Protector | 8,303 | All years | N/A | 7,747 | All years | N/A | 6,350 | 13,360 | Lifetime | 6,037 | |||||||||
| Security Mutual Life of NY | Security Premier UL/UL XLC | 5,582 | All years | N/A | 4,859 | All years | N/A | 8,180 | 10,607 | 5 years | 2,888 | |||||||||
| Security Mutual Life of NY | Capital UL | 5,764 | All years | N/A | 4,903 | All years | N/A | 8,180 | 11,059 | None | N/A | |||||||||
| State Farm Life | Universal Life | 9,816 | 1-2 | 8,211 | 9,816 | 1-2 | 8,130 | N/R | 17,621* | 2 years | 9,816 | |||||||||
| Sun Life Financial | Sun UL Protector - Plus | 6,402 | All years | N/A | 4,920 | All years | N/A | 6,800 | 10,883 | None | N/A | |||||||||
| Transamerica Occidental Life | TransUltra SP 2006 | 5,775 | All years | N/A | 5,517 | All years | N/A | 6,670 | 11,905 | Lifetime | 17,471 | |||||||||
| Transamerica Occidental Life | TransAce LP | N/A | N/A | N/A | N/A | N/A | N/A | 7,290 | 22,687 | Lifteime | 6,576 | |||||||||
| Union Central Life (UNIFI Co.) | Excel Protector | 5,964 | All years | N/A | 5,233 | All years | N/A | 7,120 | 11,491 | None | N/A | |||||||||
| USAA Life | Universal Life | 5,829 | All years | N/A | 5,283 | All years | N/A | N/A | N/A | None | N/A | |||||||||
| United States Life of NY (AIG Co.) | Medalist Premier | 6,521 | All years | N/A | 5,980 | All years | N/A | 7,600 | 15,112 | Lifetime | 8,021 | |||||||||
| West Coast Life | LifeTime Platinum 120 LP/SP | N/A* | N/A* | N/A | 9,361 | All years | N/A | 6,710 | 15,249 | Age 120 | 6,710 | |||||||||
| West Coast Life | LifeTime Advantage 100 | 5,160 | All years | N/A | 4,737 | All years | N/A | 5,440 | 10,374 | 21 years* | N/A | |||||||||
| ^ Best issue class representing at least 15% of all policies issued. | ||||||||||||||||||||
| Illustration Footnote & Clarification | ||||||||||||||||||||
| Guardian Life | UL Protector (UL-PRO) | *Guaranteed death benefit illustration (with GDB rider) not designed for the accumulation market. | ||||||||||||||||||
| ING "Security Life of Denver" | Guaranteed Death Benefit UL | *Guaranteed death benefit product not designed for the accumulation market. | ||||||||||||||||||
| ING "Security Life of Denver" | LDGUL | Guideline premium ran as target as percent of premium. Ten pay lapses before age 100. | ||||||||||||||||||
| Jackson National Life | Generations UL | Generations does not have an increasing death benefit option. | ||||||||||||||||||
| Jefferson-Pilot Life | JPF Legend XG | All level pay premiums paid to age 121. | ||||||||||||||||||
| Jefferson-Pilot Life | JPF Legend 400 | Requires minimum of $8,130 in Years 1-4. | ||||||||||||||||||
| John Hancock Life (U.S.A.) | Protection UL G | *Guaranteed death benefit product not designed for the accumulation market. | ||||||||||||||||||
| Lincoln National Life | UL DB2 | Preferred Best is class illustrated for Best NS class. | ||||||||||||||||||
| Massachusetts Mutual Life | UL Guard(SM) | Annual premium required to guarantee policy face amount for lifetime is paid to age 100. | ||||||||||||||||||
| MetLife | Guarantee Advantage UL | *Guaranteed death benefit product not designed for the accumulation market. | ||||||||||||||||||
| Mutual of Omaha Life | Priority Max GUL | *Guaranteed death benefit product not designed for the accumulation market. | ||||||||||||||||||
| North American Life | Custom Extra/Accumulator | *10 pay lapses before age 100. | ||||||||||||||||||
| Northwestern Mutual Life | Custom UL Protector | Best Class NS uses Premier N | ||||||||||||||||||