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| Demonstration version of Full Disclosure | |||||||||||||
| Full Disclosure Web Site | |||||||||||||
| Universal Life Lifetime/Age 100 Guaranteed Minimum Premiums | |||||||||||||
| There are three parts to this chart: | |||||||||||||
| $1,000,000 Level Death Benefit Annual, Single, and Ten-Pay Premium for Male & Female; as of 1/1/09. See Specifications (Specs) Section for Available Issue Classes | |||||||||||||
| Design Objective Codes: GMDB, Guaranteed Minimum Premium & Death Benefit; DB, Maximum Death Benefits; | |||||||||||||
| AV, Maximum Accumulation Values; F/G, Flexible/General Purpose; S, Specialty. | |||||||||||||
| ILLUSTRATED (1/1/2009) $1,000,000 Policy; Best NonTobacco Class - Annual Premium | |||||||||||||
| Company | Policy & Design Objective Code | Guarantee Period | Male Age 35 | Male Age 45 | Male Age 55 | Male Age 65 | Male Age 75 | Female Age 35 | Female Age 55 | Female Age 75 | Premiums Payable to Age | Co. Issue Class Used | |
| American General Life | AIG ContinUL Extend GMDB | Age 121 | 4,380 | 6,998 | 11,024 | 19,019 | 35,005 | 3,607 | 9,339 | 28,524 | 121 | Preferred Plus | |
| Ameritas Life (UNIFI Co) | Excel Secondary Guarantee UL GMDB | Lifetime | 5,127 | 7,626 | 11,556 | 20,035 | 38,268 | 4,301 | 10,022 | 33,313 | 121 | Preferred Plus | |
| Aviva Life and Annuity Co. | Guarantee UL Solution GMDB | Lifetime | 4,242 | 6,311 | 10,157 | 18,886 | 38,410 | 3,501 | 8,528 | 29,233 | 121 | Premier | |
| Aviva Life and Annuity Co. of NY | Guarantee UL Solution GMDB | Lifetime | 4,242 | 6,311 | 10,157 | 18,886 | 38,410 | 3,501 | 8,528 | 29,233 | 121 | Premier | |
| Banner Life | Life Umbrella UL 120 GMDB | Lifetime | 4,640 | 6,930 | 10,960 | 18,790 | 37,680 | 4,150 | 9,450 | 32,120 | 120 | Preferred Plus | |
| Genworth Life | Lifetime FlexPlus(sm) II GMDB | Lifetime | 4,408 | 6,932 | 10,961 | 18,828 | 34,750 | 3,700 | 9,440 | 29,617 | 121 | Preferred Best No Nicotine | |
| Guardian Life | UL Protector Gold GMDB | Lifetime | 5,017 | 7,460 | 11,612 | 19,239 | 34,931 | 3,858 | 9,512 | 28,076 | 100 | Preferred Plus Non Tobacco | |
| Hartford Life | Hartford Bicentennial UL Freedom GMDB | Lifetime | 4,494 | 6,973 | 11,037 | 19,067 | 37,493 | 3,698 | 9,052 | 28,669 | 100 | Preferred Plus Non-Nicotine | |
| ING "Security Life of Denver" | Guaranteed Death Benefit UL II GMDB | Lifetime | 4,381 | 7,026 | 11,045 | 19,040 | 34,800 | 3,332 | 8,805 | 27,861 | 121 | Super Preferred No Tobacco | |
| Jackson National Life | Generations UL GMDB | Lifetime | 4,803 | 7,512 | 11,894 | 19,961 | 37,257 | 3,817 | 9,807 | 30,969 | 121 | Preferred Plus | |
| John Hancock Life | Protection UL-G GMDB | Lifetime | 5,435 | 7,005 | 10,320 | 18,410 | 33,470 | 4,275 | 8,495 | 27,851 | 121 | Super Preferred NonSmoker | |
| Lincoln Benefit Life | Legacy Secure F/G | Lifetime | 5,897 | 8,386 | 12,506 | 21,272 | 39,033 | 4,643 | 10,214 | 30,363 | 121 | Preferred NonSmoker | |
| Lincoln National Life | Lincoln LifeGuarantee(sm) Plus UL GMDB | Lifetime | 5,126 | 7,986 | 13,090 | 22,654 | 39,740 | 4,425 | 10,736 | 33,776 | 121 | Preferred Plus | |
| Lincoln National Life | Lincoln LifeGuarantee(sm) UL GMDB | Lifetime | 4,502 | 7,022 | 11,547 | 18,898 | 33,775 | 3,887 | 9,460 | 28,047 | 121 | Preferred Plus | |
| Massachusetts Mutual Life | UL Guard 2(SM) GMDB | Lifetime | 4,700 | 7,500 | 11,601 | 20,495 | 38,083 | 3,900 | 9,900 | 31,519 | 100 | Ultra Preferred NonTobacco | |
| MetLife | Guarantee Advantage UL(2001 CSO) F/G | Lifetime | 4,703 | 7,042 | 11,055 | 18,917 | 35,741 | 4,053 | 9,543 | 29,260 | 121 | Elite | |
| Midland National Life | Century UL-G GMDB | Lifetime | 4,099 | 6,742 | 10,669 | 18,528 | 35,899 | 3,617 | 9,245 | 30,637 | 100 | Preferred Plus NonTobacco | |
| Midland National Life | UL-DB DB | Lifetime | 4,554* | 7,139 | 11,297 | 19,588 | 40,344* | 4,254* | 9,804 | 34,074* | 100 | Preferred Plus | |
| Nationwide Life | YourLife ULtimate UL GMDB | Lifetime | 4,916 | 7,559 | 11,846 | 20,089 | 40,283 | 4,121 | 9,610 | 33,175 | 100 | Nontobacco Preferred | |
| New York Life | NYLIAC Protector 2005 DB | Age 100 | 6,047 | 9,341 | 14,559 | 22,591 | 39,556 | 4,815 | 11,103 | 29,100 | 100 | Select Preferred | |
| New York Life | New York Life UL - Lifetime Guarantee GMDB | Lifetime | 5,411 | 8,638 | 14,037 | 23,171 | 40,180 | 4,961 | 12,877 | 36,292 | 121 | Select Preferred | |
| North American Life | Custom Term GUL GMDB | Lifetime | 4,554 | 7,139 | 11,297 | 19,588 | 40,344 | 4,254 | 9,804 | 34,074 | 100 | Super Preferred NonTobacco | |
| North American Life | Custom Guarantee F/G | Lifetime | 4,509 | 6,989 | 11,049 | 19,151 | 49,434 | 3,788 | 9,449 | 32,453 | 120 | Super Preferred NonTobacco | |
| Ohio National Life | Virtus Lifetime G GMDB | Lifetime | 4,812 | 7,308 | 11,040 | 18,684 | 34,140 | 3,780 | 9,324 | 27,168 | 121 | Super Preferred | |
| Pacific Life | VersaFlex NLG GMDB | Age 100 | 3,764 | 6,262 | 10,418 | 16,843 | 33,968 | 3,039 | 8,387 | 29,064 | 100 | Super Preferred NonSmoker | |
| Penn Mutual Life | Guaranteed Protection UL GMDB | Age 121 | 4,394 | 7,003 | 11,034 | 18,945 | 35,574 | 3,645 | 9,333 | 29,118 | 121 | Preferred Plus | |
| Phoenix Life | Phoenix UL with Guarantee GMDB | Lifetime | 4,391 | 6,936 | 11,200 | 19,226 | 36,891 | 3,540 | 9,350 | 30,634 | 121 | Preferred Plus | |
| Principal Life | UL Protector III GMDB | Lifetime | 4,945 | 7,400 | 11,275 | 18,696 | 34,153 | 4,276 | 9,563 | 29,371 | 121 | Super Preferred NonTobacco | |
| Protective Life | Centennial G II Plus F/G | Lifetime | 4,250 | 6,849 | 10,950 | 19,900 | 34,500 | 3,565 | 9,200 | 29,001 | 121 | Select Preferred | |
| Protective Life | Centennial G II F/G | Lifetime | 4,128 | 6,290 | 10,741 | 18,799 | 33,480 | 3,290 | 8,848 | 27,900 | 121 | Select Preferred | |
| Prudential Financial Life | PruLife Universal Protector F/G | Lifetime | 4,033 | 6,181 | 10,330 | 17,730 | 36,659 | 3,246 | 8,505 | 31,976 | 120 | Preferred Best | |
| Sun Life Financial | Sun Universal Protector GMDB | Lifetime | 4,448 | 7,020 | 11,007 | 18,897 | 35,446 | 3,621 | 9,397 | 28,465 | 121 | Super Preferred NonTobacco | |
| Thrivent Financial for Lutherans | UL Lifetime Protector GMDB | Lifetime | 5,512 | 8,656 | 13,348 | 22,694 | 39,791 | 4,634 | 11,362 | 36,027 | 121 | Super Preferred NonTobacco | |
| Thrivent Financial for Lutherans | Universal Life II F/G | Age 121 | 8,293 | 13,348 | 22,217 | 38,677 | 71,794 | 7,033 | 18,474 | 56,582 | 121 | Super Preferred NonTobacco | |
| Transamerica Life | TransACE NY GMDB | Lifetime | 4,389 | 7,036 | 11,049 | 19,593 | 38,478 | 3,708 | 9,439 | 31,920 | 111 | Select | |
| Transamerica Life | TransAce GMDB | Lifetime | 4,389 | 7,036 | 11,049 | 19,593 | 38,478 | 3,708 | 9,439 | 31,920 | 111 | Select | |
| United of Omaha | Guaranteed Universal Life Complete GMDB | Age 120 | 5,481 | 7,224 | 11,376 | 19,755 | 39,461 | 4,491 | 9,199 | 32,324 | 120 | Preferred Plus NonTobacco | |
| West Coast Life | Lifetime Platinum III GMDB | Lifetime | 4,128 | 6,290 | 10,741 | 18,799 | 33,480 | 3,290 | 8,848 | 27,900 | 121 | Super Preferred | |
| West Coast Life | Lifetime Platinum III Plus F/G | Lifetime | 4,250 | 6,849 | 10,950 | 19,900 | 34,500 | 3,565 | 9,200 | 29,001 | 121 | Select Preferred | |
| William Penn Life of NY | Longevity UL 100 GMDB | Lifetime | 4,980 | 7,570 | 12,280 | 20,740 | 34,260 | 4,150 | 10,010 | 28,910 | 115 | Preferred Plus NonTobacco | |
| Universal Life Lifetime/Age 100 Guarantee Current Illustrated Premiums | |||||||||||||
| ILLUSTRATED (1/1/2009) $1,000,000 Policy; Best NonTobacco Class - Single Premium | |||||||||||||
| Company | Policy & Design Objective Code | Guarantee Period | Male Age 35 | Male Age 45 | Male Age 55 | Male Age 65 | Male Age 75 | Female Age 35 | Female Age 55 | Female Age 75 | Premiums Payable to Age | Co. Issue Class Used | |
| American General Life | AIG ContinUL Extend GMDB | Age 121 | 85,360 | 130,583 | 186,077 | 291,221 | 448,989 | 71,441 | 156,775 | 402,310 | 121 | Preferred Plus | |
| Ameritas Life (UNIFI Co) | Excel Secondary Guarantee UL GMDB | Lifetime | 101,890 | 136,817 | 183,558 | 268,536 | 429,362 | 85,844 | 161,568 | 378,046 | 121 | Preferred Plus | |
| Aviva Life and Annuity Co. | Guarantee UL Solution GMDB | Lifetime | 106,409 | 113,466 | 168,950 | 268,313 | 425,203 | 90,261 | 144,576 | 377,840 | 121 | Premier | |
| Aviva Life and Annuity Co. of NY | Guarantee UL Solution GMDB | Lifetime | 106,409 | 113,466 | 168,950 | 268,313 | 425,203 | 90,261 | 144,576 | 377,840 | 121 | Premier | |
| Banner Life | Life Umbrella UL 120 GMDB | Lifetime | 95,900 | 141,782 | 220,506 | 367,629 | 703,213 | 85,772 | 190,126 | 599,448 | 120 | Preferred Plus | |
| Genworth Life | Lifetime FlexPlus(sm) II GMDB | Lifetime | 79,590 | 120,798 | 179,890 | 275,892 | 419,488 | 70,197 | 156,975 | 396,198 | 121 | Preferred Best No Nicotine | |
| Guardian Life | UL Protector Gold GMDB | Lifetime | 97,121 | 136,280 | 190,200 | 285,891 | 445,787 | 75,843 | 161,009 | 359,991 | 100 | Preferred Plus Non Tobacco | |
| Hartford Life | Hartford Bicentennial UL Freedom GMDB | Lifetime | 86,022 | 125,013 | 183,117 | 269,983 | 430,814 | 73,004 | 152,983 | 356,947 | 100 | Preferred Plus Non-Nicotine | |
| ING "Security Life of Denver" | Guaranteed Death Benefit UL II GMDB | Lifetime | 73,883 | 114,767 | 171,959 | 262,777 | 412,211 | 56,708 | 140,085 | 347,313 | 121 | Super Preferred No Tobacco | |
| Jackson National Life | Generations UL GMDB | Lifetime | 92,782 | 135,768 | 188,427 | 281,222 | 424,867 | 74,778 | 160,921 | 375,067 | 121 | Preferred Plus | |
| John Hancock Life | Protection UL-G GMDB | Lifetime | 94,959 | 129,991 | 171,748 | 262,574 | 411,990 | 76,016 | 145,084 | 347,103 | 121 | Super Preferred NonSmoker | |
| Lincoln Benefit Life | Legacy Secure F/G | Lifetime | 110,682 | 151,451 | 204,170 | 304,214 | 449,270 | 94,617 | 170,381 | 376,627 | 121 | Preferred NonSmoker | |
| Lincoln National Life | Lincoln LifeGuarantee(sm) Plus UL GMDB | Lifetime | 93,054 | 138,584 | 211,122 | 326,735 | 483,759 | 81,267 | 178,898 | 441,728 | 121 | Preferred Plus | |
| Lincoln National Life | Lincoln LifeGuarantee(sm) UL GMDB | Lifetime | 81,033 | 121,121 | 185,741 | 276,698 | 426,516 | 70,733 | 156,989 | 378,660 | 121 | Preferred Plus | |
| Massachusetts Mutual Life | UL Guard 2(SM) GMDB | Lifetime | 87,972 | 127,906 | 191,843 | 291,773 | 449,957 | 71,355 | 163,965 | 395,750 | 100 | Ultra Preferred NonTobacco | |
| MetLife | Guarantee Advantage UL(2001 CSO) F/G | Lifetime | 85,996 | 122,976 | 179,813 | 275,562 | 473,722 | 74,642 | 157,607 | 403,000 | 121 | Elite | |
| Midland National Life | Century UL-G GMDB | Lifetime | 82,463 | 128,879 | 187,867 | 282,422 | 422,371 | 73,084 | 164,292 | 375,561 | 100 | Preferred Plus NonTobacco | |
| Midland National Life | UL-DB DB | Lifetime | 96,337 | 150,966 | 217,178 | 322,330 | 467,567 | 85,522 | 192,662 | 407,469 | 100 | Preferred Plus | |
| Nationwide Life | YourLife ULtimate UL GMDB | Lifetime | 97,379 | 137,058 | 188,183 | 280,241 | 441,462 | 82,330 | 162,273 | 373,477 | 100 | Nontobacco Preferred | |
| New York Life | NYLIAC Protector 2005 DB | Age 100 | 112,425 | 162,724 | 229,933 | 316,127 | 459,533 | 92,336 | 181,906 | 362,853 | 100 | Select Preferred | |
| New York Life | New York Life UL - Lifetime Guarantee GMDB | Lifetime | 94,962 | 150,783 | 223,373 | 315,456 | 444,070 | 83,268 | 202,226 | 415,600 | 121 | Select Preferred | |
| North American Life | Custom Term GUL GMDB | Lifetime | 96,337 | 150,966 | 217,178 | 322,330 | 467,567 | 85,522 | 192,662 | 407,469 | 100 | Super Preferred NonTobacco | |
| North American Life | Custom Guarantee F/G | Lifetime | 101,287 | 146,969 | 200,333 | 243,612 | 421,837 | 83,160 | 167,342 | 326,713 | 120 | Super Preferred NonTobacco | |
| Ohio National Life | Virtus Lifetime G GMDB | Lifetime | 92,878 | 126,874 | 183,347 | 278,995 | 421,869 | 80,791 | 156,769 | 352,363 | 121 | Super Preferred | |
| Pacific Life | VersaFlex NLG GMDB | Age 100 | 72,866 | 110,825 | 165,380 | 247,893 | 374,548 | 59,719 | 135,848 | 338,230 | 100 | Super Preferred NonSmoker | |
| Penn Mutual Life | Guaranteed Protection UL GMDB | Age 121 | 80,886 | 119,326 | 173,243 | 275,031 | 430,791 | 62,531 | 142,607 | 372,769 | 121 | Preferred Plus | |
| Phoenix Life | Phoenix UL with Guarantee GMDB | Lifetime | 91,132 | 134,001 | 200,583 | 294,062 | 447,797 | 82,377 | 173,188 | 399,232 | 121 | Preferred Plus | |
| Principal Life | UL Protector III GMDB | Lifetime | 94,997 | 133,996 | 186,321 | 279,243 | 422,970 | 90,000 | 161,991 | 414,954 | 121 | Super Preferred NonTobacco | |
| Protective Life | Centennial G II Plus F/G | Lifetime | 82,306 | 126,432 | 186,829 | 285,719 | 425,212 | 70,034 | 164,518 | 386,444 | 121 | Select Preferred | |
| Protective Life | Centennial G II F/G | Lifetime | 78,021 | 119,710 | 177,212 | 277,760 | 415,275 | 66,790 | 154,822 | 352,653 | 121 | Select Preferred | |
| Prudential Financial Life | PruLife Universal Protector F/G | Lifetime | 70,790 | 105,213 | 165,879 | 259,140 | 440,622 | 57,623 | 139,811 | 400,359 | 120 | Preferred Best | |
| Sun Life Financial | Sun Universal Protector GMDB | Lifetime | 86,435 | 129,179 | 182,383 | 280,668 | 423,968 | 69,909 | 160,225 | 359,941 | 121 | Super Preferred NonTobacco | |
| Transamerica Life | TransACE NY GMDB | Lifetime | 77,578 | 118,956 | 173,199 | 280,001 | 446,485 | 65,933 | 150,403 | 391,824 | 111 | Select | |
| Transamerica Life | TransAce GMDB | Lifetime | 77,578 | 118,956 | 173,199 | 280,001 | 446,485 | 65,933 | 150,403 | 391,824 | 111 | Select | |
| United of Omaha | Guaranteed Universal Life Complete GMDB | Age 120 | 86,101 | 129,430 | 194,720 | 290,910 | 414,165 | 71,499 | 163,125 | 363,670 | 120 | Preferred Plus NonTobacco | |
| West Coast Life | Lifetime Platinum III GMDB | Lifetime | 78,021 | 119,710 | 177,212 | 277,760 | 415,275 | 66,790 | 154,822 | 352,653 | 121 | Super Preferred | |
| West Coast Life | Lifetime Platinum III Plus F/G | Lifetime | 82,306 | 126,432 | 186,829 | 285,719 | 425,212 | 70,034 | 164,518 | 386,444 | 121 | Select Preferred | |
| Universal Life Lifetime/Age 100 Guarantee Current Illustrated Premiums | |||||||||||||
| ILLUSTRATED (1/1/2009) $1,000,000 Policy; Best NonTobacco Class - Ten-Pay Premium | |||||||||||||
| Company | Policy & Design Objective Code | Guarantee Period | Male Age 35 | Male Age 45 | Male Age 55 | Male Age 65 | Male Age 75 | Female Age 35 | Female Age 55 | Female Age 75 | Premiums Payable to Age | Co. Issue Class Used | |
| American General Life | AIG ContinUL Extend GMDB | Age 121 | 10,554 | 16,240 | 23,390 | 37,853 | 59,402 | 8,820 | 20,389 | 51,224 | 121 | Preferred Plus | |
| Ameritas Life (UNIFI Co) | Excel Secondary Guarantee UL GMDB | Lifetime | 11,859 | 16,435 | 22,774 | 34,891 | 58,275 | 9,987 | 20,025 | 51,395 | 121 | Preferred Plus | |
| Aviva Life and Annuity Co. | Guarantee UL Solution GMDB | Lifetime | 11,073 | 14,352 | 21,984 | 34,635 | 57,186 | 8,829 | 18,187 | 49,202 | 121 | Premier | |
| Aviva Life and Annuity Co. of NY | Guarantee UL Solution GMDB | Lifetime | 11,073 | 14,352 | 21,984 | 34,635 | 57,186 | 8,829 | 18,187 | 49,202 | 121 | Premier | |
| Banner Life | Life Umbrella UL 120 GMDB | Lifetime | 11,828 | 17,487 | 27,197 | 45,343 | 86,733 | 10,579 | 23,450 | 73,935 | 120 | Preferred Plus | |
| Genworth Life | Lifetime FlexPlus(sm) II GMDB | Lifetime | 10,072 | 14,964 | 22,338 | 35,374 | 57,187 | 8,732 | 19,599 | 50,847 | 121 | Preferred Best No Nicotine | |
| Guardian Life | UL Protector Gold GMDB | Lifetime | 11,962 | 17,047 | 24,352 | 37,065 | 58,686 | 9,227 | 20,403 | 47,286 | 100 | Preferred Plus Non Tobacco | |
| Hartford Life | Hartford Bicentennial UL Freedom GMDB | Lifetime | 10,135 | 15,038 | 22,171 | 33,352 | 56,625 | 8,656 | 18,789 | 45,575 | 100 | Preferred Plus Non-Nicotine | |
| ING "Security Life of Denver" | Guaranteed Death Benefit UL II GMDB | Lifetime | 9,503 | 14,824 | 22,293 | 34,553 | 56,868 | 7,298 | 18,176 | 46,975 | 121 | Super Preferred No Tobacco | |
| Jackson National Life | Generations UL GMDB | Lifetime | 10,941 | 16,310 | 23,746 | 35,666 | 55,935 | 8,956 | 20,257 | 49,034 | 121 | Preferred Plus | |
| John Hancock Life | Protection UL-G GMDB | Lifetime | 11,816 | 14,969 | 21,052 | 33,782 | 62,217 | 9,918 | 17,694 | 53,503 | 121 | Super Preferred NonSmoker | |
| Lincoln Benefit Life | Legacy Secure F/G | Lifetime | N/A* | 18,753 | 25,401 | 38,372 | 58,451 | N/A* | 21,157 | 47,755 | 121 | Preferred NonSmoker | |
| Lincoln National Life | Lincoln LifeGuarantee(sm) Plus UL GMDB | Lifetime | 11,631 | 17,351 | 26,536 | 41,467 | 63,204 | 10,153 | 22,453 | 56,873 | 121 | Preferred Plus | |
| Lincoln National Life | Lincoln LifeGuarantee(sm) UL GMDB | Lifetime | 10,147 | 15,191 | 23,384 | 35,047 | 55,249 | 8,854 | 19,737 | 48,403 | 121 | Preferred Plus | |
| Massachusetts Mutual Life | UL Guard 2(SM) GMDB | Lifetime | 10,905 | 15,995 | 23,623 | 36,509 | 58,444 | 8,945 | 20,412 | 50,789 | 100 | Ultra Preferred NonTobacco | |
| MetLife | Guarantee Advantage UL(2001 CSO) F/G | Lifetime | 10,669 | 15,293 | 22,543 | 34,922 | 60,604 | 9,238 | 19,675 | 50,939 | 121 | Elite | |
| Midland National Life | Century UL-G GMDB | Lifetime | 9,287 | 14,677 | 21,814 | 34,095 | 55,599 | 8,223 | 19,037 | 48,212 | 100 | Preferred Plus NonTobacco | |
| Midland National Life | UL-DB DB | Lifetime | 10,722 | 16,869 | 25,122 | 39,005 | 61,802 | 9,546 | 21,774 | 53,048 | 100 | Preferred Plus | |
| Nationwide Life | YourLife ULtimate UL GMDB | Lifetime | 10,902 | 15,761 | 22,805 | 34,654 | 57,614 | 9,225 | 19,284 | 49,805 | 100 | Nontobacco Preferred | |
| New York Life | NYLIAC Protector 2005 DB | Age 100 | 14,138 | 20,699 | 29,808 | 41,910 | 63,184 | 11,522 | 23,316 | 48,282 | 100 | Select Preferred | |
| New York Life | New York Life UL - Lifetime Guarantee GMDB | Lifetime | 12,172 | 19,327 | 29,285 | 43,218 | 65,256 | 10,795 | 26,612 | 60,241 | 121 | Select Preferred | |
| North American Life | Custom Term GUL GMDB | Lifetime | 10,722 | 16,869 | 25,122 | 39,005 | 61,802 | 9,546 | 21,774 | 53,048 | 100 | Super Preferred NonTobacco | |
| North American Life | Custom Guarantee F/G | Lifetime | 10,064 | 14,743 | 21,047 | 31,785 | 59,883 | 8,258 | 17,532 | 44,811 | 120 | Super Preferred NonTobacco | |
| Ohio National Life | Virtus Lifetime G GMDB | Lifetime | 11,543 | 15,539 | 23,089 | 33,554 | 54,036 | 9,789 | 19,666 | 42,914 | 121 | Super Preferred | |
| Pacific Life | VersaFlex NLG GMDB | Age 100 | 8,415 | 13,322 | 20,847 | 31,385 | 50,855 | 6,907 | 17,105 | 45,457 | 100 | Super Preferred NonSmoker | |
| Penn Mutual Life | Guaranteed Protection UL GMDB | Age 121 | 10,093 | 14,951 | 21,759 | 34,375 | 55,092 | 7,998 | 18,189 | 46,787 | 121 | Preferred Plus | |
| Phoenix Life | Phoenix UL with Guarantee GMDB | Lifetime | 11,277 | 16,595 | 24,866 | 36,815 | 57,287 | 10,033 | 21,748 | 51,003 | 121 | Preferred Plus | |
| Principal Life | UL Protector III GMDB | Lifetime | 11,717 | 16,236 | 22,871 | 34,545 | 54,444 | 10,299 | 19,790 | 48,010 | 121 | Super Preferred NonTobacco | |
| Protective Life | Centennial G II Plus F/G | Lifetime | 10,505 | 15,263 | 22,856 | 36,676 | 56,319 | 8,870 | 19,693 | 49,555 | 121 | Select Preferred | |
| Protective Life | Centennial G II F/G | Lifetime | 10,161 | 14,176 | 22,338 | 35,109 | 55,055 | 8,259 | 18,943 | 47,758 | 121 | Select Preferred | |
| Prudential Financial Life | PruLife Universal Protector F/G | Lifetime | 8,880 | 13,226 | 21,064 | 33,483 | 58,483 | 7,227 | 17,706 | 53,169 | 120 | Preferred Best | |
| Sun Life Financial | Sun Universal Protector GMDB | Lifetime | 11,092 | 14,799 | 21,291 | 32,530 | 53,886 | 9,410 | 19,788 | 44,762 | 121 | Super Preferred NonTobacco | |
| Thrivent Financial for Lutherans | UL Lifetime Protector GMDB | Lifetime | 12,669 | 18,809 | 26,755 | 40,942 | 60,229 | 10,664 | 23,304 | 54,046 | 121 | Super Preferred NonTobacco | |
| Transamerica Life | TransACE NY GMDB | Lifetime | 9,743 | 14,968 | 22,057 | 35,646 | 58,823 | 8,278 | 19,146 | 50,964 | 111 | Select | |
| Transamerica Life | TransAce GMDB | Lifetime | 9,743 | 14,968 | 22,057 | 35,646 | 58,823 | 8,278 | 19,146 | 50,964 | 111 | Select | |
| United of Omaha | Guaranteed Universal Life Complete GMDB | Age 120 | 11,768 | 17,208 | 26,074 | 40,151 | 62,787 | 9,743 | 21,688 | 53,880 | 120 | Preferred Plus NonTobacco | |
| West Coast Life | Lifetime Platinum III GMDB | Lifetime | 10,161 | 14,176 | 22,338 | 35,109 | 55,055 | 8,259 | 18,943 | 47,758 | 121 | Super Preferred | |
| West Coast Life | Lifetime Platinum III Plus F/G | Lifetime | 10,505 | 15,263 | 22,856 | 36,676 | 56,319 | 8,870 | 19,693 | 49,555 | 121 | Select Preferred | |
| Illustration Footnote & Clarification | |||||||||||||
| Aviva Life and Annuity Co. | Guarantee UL Solution GMDB | The NLG premiums presented were effective 1/26/09. | |||||||||||
| Aviva Life and Annuity Co. of NY | Guarantee UL Solution GMDB | The NLG premiums presented were effective 1/26/09. | |||||||||||
| Lincoln Benefit Life | Legacy Secure F/G | Male and female age 35 ten pay are hindered by Guideline limitations. | |||||||||||
| Midland National Life | UL-DB DB | Best Non Tobacco Annual Premium: M35 $4,109 (years 16+); M75 $33,065 (years 11); F35 $3,414 (years 16+); F75 $27,705 (years 11+). | |||||||||||
| North American Life | Custom Guarantee F/G | Single pay and 10 pay premiums are to guarantee coverage to age 100. Annual premiums guarantee coverage to age 120. | |||||||||||
| Pacific Life | VersaFlex NLG GMDB | Level-pay NLG premiums are 100% commissionable; 10-Pay and 1-Pay premiums based on 50-50 Base-ART coverage mix. | |||||||||||
| United States Life of NY (AIG) | Platinum Protector G NY | Maturity Extension Automatically Included in all scenarios. *Maximum age is 70. | |||||||||||
| West Coast Life | LifeTime Platinum 120 LP/120 SP | LifeTime Platinum 120 LP used for Annual Premiums. LifeTime Platinum 120 SP used for Single Premiums & Ten-Pay Premiums. | |||||||||||