Demonstration version of Full Disclosure

Current Universal Life Policy Illustrated Values

$1,000,000 Male Age 40/Best NS Class^/Level DB; $7,500 Annual Premium

As of January 1, 2009; 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.

Design Objective Codes: GMDB, Guaranteed Minimum Premium & Death Benefit; DB, Maximum Death Benefits;

AV, Maximum Accumulation Values; F/G, Flexible/General Purpose; S, Specialty.

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

American General Life

Elite UL F/G

5.75%

3.00%

26,536

8,536

433,097

820,147

4.41%

1,000,000

1,695,776

7.21%

Aviva Life and Annuity Co.

Patriot Solution F/G

5.65%

4.00%

14,989

256,313

412,319

1.49%

1,000,000

1,312,031

6.25%

Aviva Life and Annuity Co.

Guarantee UL Solution GMDB

5.00%

3.00%

26,526

19,281

244,924

336,475

0.55%

1,000,000

1,246,272

6.05%

Aviva Life and Annuity Co. of NY

Guarantee UL Solution GMDB

5.00%

3.00%

26,526

19,281

244,924

336,475

0.55%

1,000,000

1,246,272

6.05%

Aviva Life and Annuity Co. of NY

Capital Solution F/G

5.65%

4.00%

14,989

256,313

412,319

1.49%

1,000,000

1,312,031

6.25%

AXA Equitable

Athena UL-DB DB

4.25%

2.00%

35,271

15,198

381,228

622,568

3.28%

1,000,000

1,486,612

6.72%

Banner Life

Life Umbrella UL 120 GMDB

4.80%

3.00%

23,330

8,108

221,676

323,564

0.37%

1,000,000

N/A

Genworth Life

Lifetime FlexPlus(sm) II GMDB

5.30%

3.00%

25,449

4,149

336,984

587,689

3.04%

1,000,000

N/A

Guardian Life

ULtraLife Gold DB

5.75%

3.50%

36,611

17,051

428,403

782,321

4.22%

1,000,000

1,591,745

6.98%

Guardian Life

UL Protector Gold GMDB

4.00%

3.00%

20,204

184

129,320

70,657

N/A

1,000,000

N/A

Guardian Life

UltraMax Gold (SM) AV

5.50%

3.00%

27,266

19,778

323,573

557,908

2.82%

1,000,000

1,407,786

6.51%

Hartford Life

Hartford Bicentennial UL Founders F/G

5.25%

3.00%

23,521

17,911

395,262

741,896

4.00%

1,000,000

1,622,536

7.05%

ING "Security Life of Denver"

Guaranteed Death Benefit UL II GMDB

4.25%

4.00%

25,614

4,804

218,692

272,319

-0.48%

1,000,000

1,196,690

5.89%

ING "Security Life of Denver"

ING Universal Life - CV AV

5.00%

3.00%

27,981

20,231

363,000

656,393

3.50%

1,000,000

1,541,669

6.86%

Jackson National Life

Jackson Accumulator UL AV

5.50%

4.00%

31,451

24,551

373,462

619,761

3.26%

1,000,000

1,454,434

6.64%

Jackson National Life

Generations UL GMDB

5.00%

3.00%

33,669

8,779

294,543

207,923

-1.89%

1,000,000

N/A

John Hancock Life

Protection UL-G GMDB

4.50%

3.00%

29,444

14,331

182,759

138,342

N/A

1,000,000

1,038,962

5.35%

John Hancock Life

Performance UL 08 Reprice F/G

4.55%

3.00%

27,900

20,303

254,705

396,652

1.32%

1,000,000

1,311,303

6.24%

John Hancock Life (USA)

Accumulation UL AV

5.30%

3.00%

24,825

15,128

339,750

600,209

3.13%

1,000,000

1,475,731

6.69%

Lincoln Benefit Life

Legacy Secure F/G

5.00%

25,527

6,657

318,005

524,371

2.55%

1,000,000

1,394,365

6.48%

Lincoln Benefit Life

Ultra Plus AV

5.00%

3.00%

31,316

11,486

389,009

681,400

3.66%

1,000,000

1,533,393

6.84%

Lincoln National Life

Lincoln LifeReserve UL AV

5.60%

3.50%

18,276

1,676

324,614

536,998

2.65%

1,000,000

1,379,976

6.44%

Lincoln National Life

Lincoln LifeGuarantee(sm) Plus UL GMDB

4.70%

3.00%

37,080

16,290

360,103

572,189

2.92%

1,000,000

1,448,588

6.62%

Lincoln National Life

Lincoln LifeCurrent(sm) UL F/G

5.00%

3.00%

30,839

11,289

367,651

616,829

3.24%

1,000,000

1,510,011

6.78%

Massachusetts Mutual Life

Universal Life Navigator F/G

4.45%

3.00%

21,048

11,618

312,832

485,680

2.22%

1,000,000

1,371,212

6.41%

MetLife

Guarantee Advantage UL(2001 CSO) F/G

5.85%

3.00%

35,446

15,946

380,434

692,809

3.72%

1,000,000

1,542,192

6.86%

Midland National Life

UL-CV AV

6.00%

3.00%

24,453

3,773

464,422

976,131

5.10%

1,024,938

1,760,712

7.35%

Midland National Life

UL-DB DB

6.00%

2.50%

33,435

12,735

522,426

1,083,943

5.51%

1,138,140

1,860,772

7.56%

National Life

NL AssurePlus Protector DB

6.00%

3.00%

25,859

20,549

439,548

849,917

4.55%

1,000,000

1,672,494

7.16%

Nationwide Life

YourLife Accumulation UL F/G

5.45%*

3.00%

23,530

2,370

347,246

636,012

3.37%

1,000,000

1,558,527

6.90%

Nationwide Life

YourLife ULtimate UL GMDB

3.25%

3.00%

26,906

4,156

144,681

13,325

N/A

1,000,000

5.20%

New York Life

New York Life Universal Life F/G

4.40%

3.00%

26,057

373,237

657,663

3.51%

1,000,000

1,525,384

6.82%

North American Life

Custom Term GUL GMDB

6.00%

2.50%

33,435

12,735

522,427

1,083,943

5.51%

1,138,140

1,860,772

7.56%

North American Life

Custom Guarantee F/G

4.25%

3.00%

26,969

8,549

233,047

321,079

0.33%

1,000,000

1,242,909

6.04%

North American Life

Custom GrowthCV AV

6.00%

3.00%

24,453

3,773

464,423

976,131

5.10%

1,024,938

1,760,712

7.35%

Northwestern Mutual Life

Custom UL Accumulator AV

6.15%*

4.00%*

27,613

393,726

691,246

3.71%

1,000,000

1,485,072

6.72%

Northwestern Mutual Life

Custom UL Protector F/G

5.95%*

4.00%*

32,782

25,315

403,756

705,869

3.80%

1,000,000

1,509,058

6.78%

Ohio National Life

Virtus Value II F/G

5.50%

3.00%

33,344

7,234

446,648

862,044

4.61%

1,160,200

1,757,757

7.35%

Ohio National Life

Virtus Lifetime G GMDB

3.15%

3.00%

9,588

60,308

N/A

1,000,000

5.20%

Pacific Life

VersaFlex NLG GMDB

5.50%

3.00%

22,025

19,250

331,052

577,971

2.97%

1,000,000

1,441,887

6.60%

Penn Mutual Life

Guaranteed Protection UL GMDB

6.00%

3.00%

28,834

24,177

398,460

733,260

3.96%

1,000,000

1,544,512

6.86%

Phoenix Life

Phoenix Accumulator UL AV

5.25%

3.00%

37,038

21,038

432,620

809,401

4.36%

1,092,692

1,667,387

7.15%

Phoenix Life

Phoenix UL with Guarantee GMDB

4.00%

3.00%

29,617

5,789

92,233

N/A

1,000,000

N/A*

N/A

Principal Life

UL Protector III GMDB

3.35%

3.00%

24,583

1,287

112,313

N/A

1,000,000

5.20%

Principal Life

UL Flex F/G

4.90%*

3.00%

36,282

14,856

411,033

708,588

3.82%

1,000,000

N/A

Protective Life

Centennial G II Plus F/G

2.50%

5.40%

32,051

4,491

386,769

643,960

3.42%

1,000,000

N/A

Protective Life

ProClassic F/G

5.40%

3.00%

31,131

5,361

381,472

689,153

3.70%

1,000,000

1,604,837

7.01%

Protective Life

Centennial G II F/G

4.00%

2.50%

18,088

92,182

N/A

1,000,000

N/A

Prudential Financial Life

PruLife Universal Plus AV

5.20%

3.00%

26,862

22,633

392,109

681,482

3.66%

1,000,000

1,527,618

6.82%

Prudential Financial Life

PruLife Universal Protector F/G

4.95%

3.00%

26,633

22,706

376,721

653,467

3.48%

1,000,000

1,523,488

6.81%

Security Mutual of NY

Security XLC F/G

5.05%

3.00%

32,789

18,479

394,081

701,392

3.77%

1,000,000

1,571,888

6.93%

State Farm Life

Universal Life F/G

5.00%

4.00%

38,060

27,020

345,348

494,807

2.30%

1,000,000

1,285,519

6.17%

Sun Life Financial

Sun Universal Protector GMDB

4.30%

3.00%

9,756

138,469

N/A

1,000,000

5.20%

Sun Life Financial

Sun Universal ProtectorPlus 2009 F/G

4.85%

3.00%

29,803

15,053

377,660

658,847

3.52%

1,000,000

1,533,811

6.84%

Thrivent Financial for Lutherans

UL Lifetime Protector GMDB

4.75%

3.00%

33,720

10,683

320,551

463,718

2.02%

1,000,000

N/A

Thrivent Financial for Lutherans

Universal Life II F/G

6.00%

3.25%*

36,559

13,749

456,774

854,098

4.57%

1,000,000

1,624,359

7.05%

TIAA-CREF Life

Intelligent Life Universal Life AV

5.10%

3.00%

39,616

434,988

734,653

3.96%

1,000,000

1,577,658

6.94%

Transamerica Life

TransUltra Plus 2006 DB

6.00%

3.00%

32,988

7,089

334,165

554,746

2.79%

N/A*

1,554,747

6.89%

Transamerica Life

TransUltra SP 2006 AV

6.00%

3.00%

28,272

3,973

393,785

740,427

4.00%

1,006,982

N/A

Transamerica Life

TransACE NY GMDB

4.25%

4.00%

21,142

11,042

220,914

345,287

0.67%

1,000,000

N/A

Transamerica Life

TransAce GMDB

4.25%

4.00%

21,142

11,042

220,914

345,287

0.67%

1,000,000

N/A

Union Central Life (UNIFI Co)

Excel LifeValue UL F/G

5.80%

3.00%

32,998

13,938

449,410

832,020

4.47%

1,000,000

5,721,554

11.58%

United of Omaha

Guaranteed Universal Life Complete GMD

4.50%

3.00%

29,071

3,071

208,731

148,857

N/A

1,000,000

N/A

United of Omaha

AccumUL Plus AV

5.15%

3.00%

32,410

15,410

397,970

685,700

3.68%

1,000,000

1,508,380

6.77%

USAA Life of NY

Universal Life AV

5.25%

3.00%

38,206

426,448

689,674

3.70%

1,000,000

1,407,092

6.51%

USAA Life

Universal Life AV

5.25%

3.00%

38,206

426,448

689,674

3.70%

1,000,000

1,407,092

6.51%

West Coast Life

Lifetime Advantage Plus F/G

5.40%

3.00%

31,131

5,361

381,472

689,153

3.70%

1,000,000

1,604,837

7.01%

West Coast Life

Lifetime Platinum III GMDB

2.50%

4.00%

18,088

92,182

N/A

1,000,000

N/A

West Coast Life

Lifetime Platinum III Plus F/G

2.50%

5.40%

32,051

4,491

386,769

643,960

3.42%

1,000,000

N/A

William Penn Life of NY

Longevity UL 100 GMDB

4.80%

3.00%

28,044

15,708

369,831

628,594

3.32%

1,000,000

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

Endow & Carry Premiums Payable To Age

Current Target Premium

Current Ten-Pay Premium

Max Age/Year Secondary Guarantee Available

Premium for Maximum Secondary Guarantee

American General Life

Elite UL F/G

4,869

All years

N/A

4,827

All years

N/A

121

5,730

10,291

10 years

4,680

Aviva Life and Annuity Co.

Patriot Solution F/G

7,484

All years

N/A

7,484

All years

N/A

121

12,200

16,217

15 years

5,176

Aviva Life and Annuity Co.

Guarantee UL Solution GMDB

8,517

All years

N/A

8,517

All years

N/A

121

4,940

16,957

Lifetime

12,568

Aviva Life and Annuity Co. of NY

Guarantee UL Solution GMDB

8,517

All years

N/A

8,517

All years

N/A

121

4,940

16,957

Lifetime

12,568

Aviva Life and Annuity Co. of NY

Capital Solution F/G

7,637

All years

N/A

7,334

All years

N/A

121

13,420

15,836

15 years

5,176

AXA Equitable

Athena UL-DB DB

6,324

All years

N/A

6,102

All years

N/A

120

6,700

14,582

None

N/A

Banner Life

Life Umbrella UL 120 GMDB

8,538

All years

N/A

5,620

All years

N/A

N/R

7,010

14,263

Lifetime

5,620

Genworth Life

Lifetime FlexPlus(sm) II GMDB

N/A

Lifetime

5,455

Guardian Life

ULtraLife Gold DB

5,227

All years

N/A

5,079

All years

N/A

121

7,260

10,805

10 years

1,530

Guardian Life

UL Protector Gold GMDB

N/A

6,154

All years

N/A

6,170

14,307

Age 121

6,154

Guardian Life

UltraMax Gold (SM) AV

6,736

All years

N/A

6,655

All years

N/A

121

14,230

14,530

10 years

2,730

Hartford Life

Hartford Bicentennial UL Founders F/G

4,975

All years

N/A

4,822

All years

N/A

120

7,720

10,776

5 years

3,198

ING "Security Life of Denver"

Guaranteed Death Benefit UL II GMDB

9,081

All years

N/A

8,987

All years

N/A

121

6,530

N/A*

Lifetime

5,420

ING "Security Life of Denver"

ING Universal Life - CV AV

5,631

All years

N/A

5,540

All years

N/A

121

6,290

12,912

5 years

4,058

Jackson National Life

Jackson Accumulator UL AV

6,790

All years

N/A

6,790

All years

N/A

121

9,720

14,803

5 years

4,080

Jackson National Life

Generations UL GMDB

9,836

All years

N/A

9,836

All years

N/A

121

6,134

14,670

Lifetime

6,134

John Hancock Life

Protection UL-G GMDB

N/A

6,582

N/A

Lifetime

6,500

John Hancock Life

Performance UL 08 Reprice F/G

6,154

All years

N/A

5,655

All years

N/A

N/R

6,350

13,925

9 years

5,066

John Hancock Life (USA)

Accumulation UL AV

6,619

All years

N/A

5,980

All years

N/A

100

9,479

13,139

5 years

3,999

Lincoln Benefit Life

Legacy Secure F/G

7,161

All years

N/A

6,503

All years

N/A

N/R

6,926

15,253

Age 121

6,503

Lincoln Benefit Life

Ultra Plus AV

6,108

All years

N/A

6,066

All years

N/A

121

6,846

13,672

10 years

3,936

Lincoln National Life

Lincoln LifeReserve UL AV

7,238

All years

N/A

7,238

All years

N/A

N/R

8,960

16,314

5 years

N/A

Lincoln National Life

Lincoln LifeGuarantee(sm) Plus UL GMDB

6,912

All years

N/A

6,911

All years

N/A

121

7,830

14,659

Lifetime

6,331

Lincoln National Life

Lincoln LifeCurrent(sm) UL F/G

6,319

All years

N/A

5,323

All years

N/A

121

6,450

12,410

21 years

3,574

Massachusetts Mutual Life

Universal Life Navigator F/G

7,742

All years

N/A

7,472

All years

N/A

100

7,540

17,518

None

N/A

MetLife

Guarantee Advantage UL(2001 CSO) F/G

6,300

All years

N/A

5,530

All years

N/A

121

6,927

13,354

Lifetime

5,455

Midland National Life

UL-CV AV

5,479

All years

N/A

5,379

All years

N/A

100

10,590

10,426

20 years

4,344

Midland National Life

UL-DB DB

4,579

All years

N/A

4,216

All years

N/A

100

6,060

8,369

Lifetime

5,445

National Life

NL AssurePlus Protector DB

5,356

All years

N/A

5,262

All years

N/A

100

6,442

10,567

None

N/A

Nationwide Life

YourLife Accumulation UL F/G

5,743

All years

N/A

5,740

All years

N/A

120

7,191

13,003

5 years

5,743

Nationwide Life

YourLife ULtimate UL GMDB

13,870

All years

N/A

13,460

All years

N/A

100

7,264

13,183

Lifetime

6,122

New York Life

New York Life Universal Life F/G

5,483

All years

N/A

5,383

All years

N/A

N/A*

8,500

12,679

None

N/A

North American Life

Custom Term GUL GMDB

4,579

All years

N/A

4,215

All years

N/A

100

6,380

8,369

Lifetime

5,545

North American Life

Custom Guarantee F/G

9,037

All years

N/A

9,037

All years

N/A

120

6,001

N/A*

Age 120

5,532

North American Life

Custom GrowthCV AV

5,479

All years

N/A

5,379

All years

N/A

120

10,590

10,426

20 years

4,344

Northwestern Mutual Life

Custom UL Accumulator AV

6,492

All years

N/A

6,492

All years

N/A

121

15,910

15,573

None

N/A

Northwestern Mutual Life

Custom UL Protector F/G

6,345

All years

N/A

6,345

All years

N/A

121

15,910

15,342

4 years

740

Ohio National Life

Virtus Value II F/G

4,582

All years

N/A

4,581

All years

N/A

121

5,952

10,297

10 years

5,952

Ohio National Life

Virtus Lifetime G GMDB

N/A

6,060

N/A

Lifetime

6,060

Pacific Life

VersaFlex NLG GMDB

6,230

All years

N/A

6,180

All years

N/A

120

7,500

15,893

Lifetime

5,369

Penn Mutual Life

Guaranteed Protection UL GMDB

6,349

All years

N/A

6,184

All years

N/A

100

7,550

12,658

Age 121

5,729

Phoenix Life

Phoenix Accumulator UL AV

5,329

All years

N/A

5,329

All years

N/A

121

7,000

11,780

5 years

3,200

Phoenix Life

Phoenix UL with Guarantee GMDB

N/A*

6,882

13,790

Lifetime

5,550

Principal Life

UL Protector III GMDB

13,674*

All years

N/A

13,674*

All years

N/A

121

6,900

37,194

Lifetime

5,968

Principal Life

UL Flex F/G

5,909*

All years

N/A

5,909*

All years

N/A

121

6,710

13,524

None

N/A

Protective Life

Centennial G II Plus F/G

6,787

All years

N/A

6,787

All years

N/A

121

7,190

15,099

Lifetime

5,587

Protective Life

ProClassic F/G

5,900

All years

N/A

5,697

All years

N/A

121

6,460

12,905

15 years

3,461

Protective Life

Centennial G II F/G

13,213

All years

N/A

12,872

All years

N/A

121

6,420

N/A

Lifetime

5,273

Prudential Financial Life

PruLife Universal Plus AV

6,473

All years

N/A

6,473

All years

N/A

120

6,340

14,466

25 years

6,280

Prudential Financial Life

PruLife Universal Protector F/G

6,331

All years

N/A

6,331

All years

N/A

120

5,250

14,372

Lifetime

5,025

Security Mutual of NY

Security XLC F/G

5,601*

All years

N/A

5,029*

All years

N/A

120

8,180

11,195*

5 years

2,888

State Farm Life

Universal Life F/G

9,582

1 & 2

7,978

9,582

1 & 2

7,978

121

N/R

14,803

2 years

9,582

Sun Life Financial

Sun Universal Protector GMDB

10,593

All years

N/A

10,593

All years

N/A

N/R

7,300

16,386

Lifetime

5,461

Sun Life Financial

Sun Universal ProtectorPlus 2009 F/G

6,093

All years

N/A

5,366

All years

N/A

N/R

6,480

12,280

44 years

15,940

Thrivent Financial for Lutherans

UL Lifetime Protector GMDB

8,348

1-67

N/A

6,867

All years

N/A

N/A*

6,867

15,379

Age 121

6,867

Thrivent Financial for Lutherans

Universal Life II F/G

6,005 *

All years

N/A

6,005 *

All years

N/A

102

6,918

12,231

Age 121

10,475

TIAA-CREF Life

Intelligent Life Universal Life AV

5,740

All years

N/A

5,740

All years

N/A

121

N/A

13,189

None

N/A

Transamerica Life

TransUltra Plus 2006 DB

6,644

All years

N/A

6,210

All years

N/A

121

6,670

13,024

Lifetime

129,600

Transamerica Life

TransUltra SP 2006 AV

5,119

All years

N/A

4,957

All years

N/A

121

6,670

9,970

Lifetime

17,495

Transamerica Life

TransACE NY GMDB

9,148

All years

N/A

5,558*

All years

N/A

111

7,500

12,112

Lifetime

5,558

Transamerica Life

TransAce GMDB

9,148

All years

N/A

5,558

All years

N/A

111

7,500

12,112

Lifetime

5,558

Union Central Life (UNIFI Co)

Excel LifeValue UL F/G

5,238

All years

N/A

5,237

All years

N/A

N/R

7,120

11,277

10 years

7,120

United of Omaha

Guaranteed Universal Life Complete GMD

10,098

All years

N/A

6,398

All years

N/A

120

7,920

14,449

Age 120

6,398

United of Omaha

AccumUL Plus AV

6,451

All years

N/A

6,098

All years

N/A

120

6,150

12,953

30 years

6,150

USAA Life of NY

Universal Life AV

6,939

All years

N/A

6,939

All years

N/A

120

N/A

None

N/A

USAA Life

Universal Life AV

6,939

All years

N/A

6,939

All years

N/A

120

N/A

None

N/A

West Coast Life

Lifetime Advantage Plus F/G

5,900

All years

N/A

5,697

All years

N/A

100

6,460

12,905

15 years

3,461

West Coast Life

Lifetime Platinum III GMDB

13,213

All years

N/A

12,872

All years

N/A

121

6,420

N/A

Lifetime

5,273

West Coast Life

Lifetime Platinum III Plus F/G

6,787

All years

N/A

6,787

All years

N/A

121

7,190

15,099

Lifetime

5,587

William Penn Life of NY

Longevity UL 100 GMDB

6,150

All years

N/A

5,011

All years

N/A

100

6,120

12,056

Lifetime

6,120

For cash value test used please see the illustration comparison section of Full Disclosure.

Illustration Footnote & Clarification

American General Life

AIG ContinUL Extend GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Ameritas Life (UNIFI Co)

Excel Secondary Guarantee UL GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Banner Life

Life Umbrella UL 120 GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Genworth Life

Lifetime FlexPlus(sm) II GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Guardian Life

UL Protector Gold GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Guardian Life

UltraMax Gold (SM) DB

This product has an alternate net cash surrender value; in the early years the cash surrender value is higher than the account value.

Hartford Life

Hartford Bicentennial UL Freedom GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

ING "Security Life of Denver"

Guaranteed Death Benefit UL II GMDB

Guideline premium violation

Jackson National Life

Generations UL GMDB

Generations does not have an increasing death benefit option.

John Hancock Life

Protection UL-G GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Lincoln National Life

Lincoln LifeReserve UL AV

Policy lapses at age 90.

Lincoln National Life

Lincoln LifeGuarantee(sm) UL GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Massachusetts Mutual Life

UL Guard 2(SM) GMDB

Guarantee premium is paid to age 100. Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Midland National Life

Century UL-G GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Nationwide Life

YourLife Accumulation UL

4.70% ($250,000); 5.45% ($1,000,000+)

Nationwide Life

YourLife ULtimate UL GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

New York Life

NYLIAC Protector 2005 DB

$1,000,000 not available unless using 10yr, 20yr, Age 85, Age 100 NLGR.

New York Life

New York Life Universal Life F/G

Minimum $1,000,000 issue amount.

North American Life

Custom Guarantee F/G

No premiums shown for "Current Ten-Pay Premium", as policy is generally sold on a guaranteed premium basis.

Northwestern Mutual Life

Custom UL Accumulator AV

Illustrations are 100% base amount, 0% supplemental amount; Premier NT class used; $1,000,000 minimum specified amount, $25,000 first year premium requirement ignored.

Current rate: 6.15% (Tier 1), 4.15% (Tier 2) unloaned; 5.00% loaned. In order to recognize the greater investment risk associated with higher premiums per $1,000 of death benefit,

a premium threshold is set for determining credited interest rates. Any premium below the Tier One Maximum Annual Premium is deposited to Tier 1.

Premiums above this limit are deposited to Tier 2. The non-guaranteed interest rate credited to Tier 1 will generally be different than that credited to Tier 2,

but the guaranteed interest rate 4.00% (yrs 1-15), 3.00% (yrs 16+). is the same for both Tiers. Policy charges, loans

and withdrawals are taken first from Tier 2. Also, a percentage of Tier 2 is currently transferred to Tier 1 each month.

Northwestern Mutual Life

Custom UL Protector F/G

Illustrations are 100% base amount, 0% supplemental amount. Premier NT class used.

Ohio National Life

Virtus Value II F/G

Minimum premium solves, 10 Pay premium solves, and increasing death benefit comparisons use GLPT. All other level death benefit comparisons use CVAT.

Current rate: 5.25% ($100,000-$249,999); 5.50% ($250,000+).

Ohio National Life

Virtus Lifetime G GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Pacific Life

VersaFlex NLG GMDB

Target premiums are based on 100% commissionable base/ART blends; all-base and solved-for premiums will have different targets.

Phoenix Life

Phoenix UL with Guarantee GMDB

Policy is designed as a Guaranteed Death Benefit product. See Death Benefit Guarantee analysis in QuickShot Section of Full Disclosure.

Principal Life

UL Protector III F/G

Solves for endow, carry, and 10 pay are higher than solve for guarantee premium because of the requirement for $1 of cash value at maturity on these solves.

Principal Life

UL Flex F/G

4.70% ($100,000-$999,999); 4.90% ($1,000,000+); Endow and Carry premiums are equal because minimum required premium is more than enough to carry the policy to maturity.

Security Mutual of NY

Security XLC

Minimum to Carry and Ten-Pay premiums provide coverage to age 100; Endows are to Age 120

State Farm Life

Universal Life F/G

Lapses at age 95 due to IRS guidelines, 10 pay premium lapses at age 89 due to IRS guidelines.

Thrivent Financial for Lutherans

Universal Life II F/G

Guaranteed Crediting rate: 3.00% (years 1-10).

Transamerica Life

TransUltra Plus 2006 DB

Product not meant for level death benefit.

Transamerica Life

TransACE NY GMDB

Minimum premium to carry on current basis as well as current 10 pays & targets used Ace (guaranteed) premium as less expensive.

Transamerica Life

TransAce GMDB

Minimum premium to carry on current basis as well as current 10 pays & targets used Ace (guaranteed) premium as less expensive.

West Coast Life

Lifetime Platinum III Plus

Increasing death benefit is not available.