Survivorship Whole Life Insurance Illustrated Values

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1 Survivorship Whole Life Insurance Illustrated Values 15 Policy Strengths Acacia Life Regent High term blendability; designed for high cash value; works well in abbreviated payment situations. John Hancock Life Level Premium Estate Protection Available for issue up to age 90 with one uninsurable allowed; maximum retention limit of $20 million; competitive and flexible additional insurance protection rider. Manufacturers Life (USA) Survivorship Life (TMS97) Designed for low cost; competitive premiums with 50/50 term blends; term rider designed to be less dividend sensitive. MassMutual Financial Group Blue Chip Estate Manager High term blendability; tables A-D underwritten as standard; attractive for key employee, stock redemption, and split dollar plans. MassMutual Financial Group SWL Protector Designed as low premium traditional product with low level premiums; provides an increase in cash values and dividends at first death. MassMutual Financial Group Survivorship Whole Life High term blendability; designed for low cost estate protection; attractive for key employee, stock redemption, and split dollar plans. Northwestern Mutual Life Joint CompLife Wide array of premium levels and guarantees ranging from fully guaaranteed whole life contract to a lesser guaranteed contract comprised almost entirely of term; current dividend level sufficient to maintain a level death benefit over life of contract. Phoenix Life Survivor Legacy Designed for flexibility at a low outlay cash value and dividends increase at the first death; low economic benefit costs with strong cash value performance good for split dollar arrangements. Sun Life Financial Survivorship Whole Life Designed as a low cost policy with guaranteed annual premiums or as a low cost non-guaranteed premium policy when dividends used to pay premiums; preferred and standard insureds have the same premium and risk classes are differentiated through dividends.

2 16 NATIONAL UNDERWRITER Survivorship Universal Life Insurance Illustrated Policy Strengths AmerUs Ultimate Survivor Designed for flexibility and coverage may be changed within the policy. American General Life Designed as a low premium, high death benefit product; flexibility through supplemental coverage that works like a term rider but allows more cash accumulation in the policy; competitive premium when required to fund a minimum cash value at age 100; designed for variety of ages, underwriting classes. Canada Life (US) Lifetime 2 Competitively priced lifetime no lapse guarantee; supplemental term rider (for blending) also covered by the lifetime no lapse guarantee. CNA Insurance Estate Saver 2000 Requires low minimum premiums; flexibility through guaranteed continuation rider; option to extend coverage beyond age 100. Companion Life Priority Survivor Low endowment premium; company offers expert medical underwriting; performs best when one or both clients are impaired. Conseco Life Survivor Choice UL Low endowment premium; low premium to carry; policy can be structured as a traditional or equity (S&P 500) indexed plan; current and guaranteed values; accumulation flexibility.

3 Values 17 is rated no higher than Table D (up to Age 90). Indianapolis Life Horizon SUL 2000 Low premium to carry; extended no lapse guarantees available; competitive on a solve for level premium basis with continuous pay; choice of age rate-up or table ratings can help establish lower premiums. John Hancock Life UL Estate Protection Low premium outlay with an Age 100 waiver of charges rider that maintains death benefits after Age 100 waiving all policy charges; competitive secondary no-lapse guarantee premium. Lincoln National Life SULIV Designed for estate preservation, equalization and liquidity; competitive rate of return based on premium per dollar of death benefit; allows for face amount decreases with no partial surrender charges as well as an estate tax repeal rider to address estate tax repeal concerns. Lincoln National Life SUL LPR Low guaranteed premium to maturity; lapse protection rider offers flexible, cost-efficient, guaranteed survivorship coverage for life; premium-skip and catch-up features ability to take withdrawals and loans without terminating the protection provided by the rider. Equitable Life Designed for both cash accumulation and death benefits; non-guaranteed interest rate bonus of 75 basis points in policy years 21+; customizable through 7 riders including a return of premium at first death rider and a first to die rider which are useful for business applications. First Colony Life Two (R) Combination of premium options: minimum premium option starts with a term-like premium and increases later; for a moderate premium level, current assumptions of interest and COI, provides a cash value at the younger insured s age 100 equal to the initial death benefit; target premium option provides coverage to younger insured s age 100 regardless of changes in assumptions; programmed increases. GenAmerica Financial American Vision JSUL 01 Coverage continuation rider automatically included that can be used to guarantee coverage for any duration through lifetime, depending on premiums paid (pre-payment and catch-up payments allowed); latitude on impaired risks: up to Table P to Age 80, and up to Table D for Ages 81-90; one declined life acceptable if the other insured Manufacturers Life (USA) Policy protection rider can guarantee coverage up to life; designed for lower cost death benefits and guarantees. Mass Mutual Financial Group 10 Designed for those who have short term (10-year) estate planning needs or are not sure about the status of the estate tax law changes and want to establish their insurability as policy is convertible continued on page 21

4 18 NATIONAL UNDERWRITER Survivorship Variable And Variable Universal Policy Strengths Acacia National Life Regent 2000 Designed for accumulation market; business applications include split-dollar arrangements including first-to-die rider to fund the rollout is an excellent tool. Ameritas Variable Life Overture Bravo! Designed for use in the estate planning and asset accumulation markets: competitive cash values and compensation; award-winning sales materials; suited for use within company s asset conservation program. AGL Platinum Investor Survivor II Designed as a low cost death benefit creation product that performs very well in shorter pay scenarios; good for maximum retirement income; high target premiums; no charge for the no-lapse provision; all expense charges and fees are guaranteed at current levels. BMA Clarity Survivorship VUL Low minimum premiums for affordable death protection plus strong cash accumulation designed for long-term growth; insured life protection rider; one uninsurable life available; one medical question application; will carry target into the 2nd year. CNA Life Dimension Five Flexible Premium Survivor VUL Multiple fixed account

5 Life Insurance Illustrated Values 19 Estate Protection Edge Competitive compensation; choices in death benefit guarantees; a favorable loan provision for efficient income distributions; built-in feature maintained base policy death benefit coverage at younger insured s age 100 and beyond. John Hancock Variable Estate Protection Plus Designed for growth in policy values, premium flexibility, and investment options. Jefferson Pilot Financial Ensemble SL Designed for performance in low, moderate and high funding scenarios; design flexibility. Lincoln National Life SVULII Low cost death benefit; option to guarantee the death benefit for 10 or 20 years, or to 100; issue age up to 90 on one insured. Manufacturers Venture Survivorship VUL Competitive premium solves; 20 year no-lapse guarantee and a flexible guarantee available to age 100; flexible term insurance rider; preferred rates to age 90. Midland National Life Variable Survivorship Life Designed for cash accumulation, maximization of retirement income through guaranteed zero cost loans, and a new low premium to endow feature with the pro-term Rider. options; death benefit continues beyond age 95 (asset based charges continue and insurance related charges cease); streamline load structure; no policy fee; VA type liquidity options; policy split option and four year term riders. Equitable Life Survivorship Incentive Life Enhanced death benefit guarantee rider and paid-up death benefit guarantee provision; non-guaranteed customer loyalty credit of 0.60% of the unloaned policy account value beginning in year 7; preferred loans beginning in policy year 16; flexibility achieved through 8 riders. GenAmerica American Vision JSVUL 2000 Priced to perform well in both accumulation and premium to endow scenarios; secondary guarantees; 10 SEI manager of manager funds and two types of no charge portfolio rebalancing. Guardian I&A Park Avenue SVUL Millennium Series Death benefit option 3 provides a death benefit equal to the face amount plus net accumulated premiums. John Hancock Variable MassMutual SVUL II Full death benefit guarantee to age 100; ability to increase the face amount of the policy allows flexibility. National Life Sentinel Estate Provider Designed to generate cash accumulation; flexibility achieved through unique riders. New England Financial Zenith Survivorship Life 2002 Designed to be competitive older ages; competitive in

6 20 NATIONAL UNDERWRITER many DB IRR scenarios and in minimum premiums to endow. Nationwide Financial Next Generation Survivorship Life/Survivorship Life II Designed as a strong cash accumulation and cash distribution policy with low expenses and tiered M&E structure which declines as assets accumulate; liberal withdrawal privileges and a competitive loan feature; ideal to fund a non qualified benefit program. Ohio National Life Vari-Vest Survivor Designed as a low cost contract so as to reduce long term premium commitments; emphasis is on premium efficiency with lower insurance based charges and higher surrender charges; competitive premium solves for 1 pay, 10 pay and full pay scenarios; death benefit guarantee to maturity at a competitive premium level. Pacific Life Pacific Select Estate Preserver V Designed for death benefit funding, estate planning and retirement income; accounting benefit rider enables higher early cash values for use in corporate and split dollar situations; 2 fixed account options; low guaranteed asset-based charges; full death benefit maturity extension with no COIs deducted after younger age 100; low guaranteed loan costs; in 2002 company will add estate protection and nolapse guarantee riders Paragon Life 2nd-to-Die VUL Low-load 2nd-to-Die VUL contract with no sales load or surrender charges designed for fee based financial planners; low-load design can also help clients maximize gift if buying the policy via a trust. Penn Mutual Life Variable Estate Max III Low endowment premium and premium to carry; full death benefit guarantee; large assortment of riders. Phoenix Life Estate Edge Strong cash accumulation potential and low initial premiums; long term death benefit guaranteed to age 100; estate term rider; extended maturity rider; ability for clients to restructure their policies to accommodate changing needs. Protective Life Premiere Survivor VUL Competitive minimum premiums to endow at all ages; performs well in heavily funded sales designed for maximum accumulation, with zero net cost loans available after the tenth year; policy split option, estate protection endorsement and terminal illness accelerated death benefit endorsements (where available) included at no additional cost; available asset-based trail compensation as early as the second year. Provident Mutual Life Survivor Options Elite/Options Premier Additional insurance benefit rider up to 5 times the base policy for improved product performance with no associated surrender charges. ReliaStar Life Variable Accumulation Design Designed for income distributions with high target premiums; term rider and the full death benefit guarantee rider; issue ages 0-85 allows for a grandparent/grandchild combination; premiums can be dialed down by term rider. ReliaStar Life Variable Estate Design Option to extend the death benefit beyond age 100; strong income distributions; illustration software allows a base and term blend solve that calculates the level premium required to carry a certain amount of insurance to age 100. Security Life of Denver VSUL Death benefit extension past age 100; designed for high cash values and income distribution; enhanced death benefit corridor option provides opportunity for increased death benefits at certain ages; guaranteed minimum death benefit option; ability to designate the withdrawal division for monthly expenses; continuation period that ensures that the policy will not lapse during the first five years; automatic rebalancing. Southland Life Survivor Dimensions Death benefit guarantees; continuation of coverage beyond youngest age 100; performs well at standard rates; preferred (zero net interest cost) loans guaranteed; persistency refund; 5 year no lapse feature; guaranteed minimum death benefit option; policy split option; adjustable term rider for death benefit flexibility. Sun Life of Canada (U.S.) Futurity Survivorship II VUL Liquidity through policy loan or partial withdrawals; flexibility through supplemental insurance rider and a no-lapse guarantee feature (applies to both the base portion and the supplemental portion); 3 year rolling target commission schedule; low guaranteed mortality and expense charges. Travelers VSL II Performs well under either a premium to endow solve or an income scenario; array of riders and features; quarterly statements sent automatically (Internet access allows 24- hour monitoring of policy values); advanced sales team will work with producers on complex cases. Western Reserve Freedom Wealth Protector Full death benefit guarantee and low premium to carry provide security and competitive cash values.

7 21 UL Policy Strengths continued from page 17 for 10 years without evidence of insurability. Mass Mutual Survivorship UL Guaranteed Designed for lifetime protection for a low guaranteed cost; no charges beyond the younger insureds age 100. Mass Mutual Designed for permanent protection with minimum funding; premium flexibility through three death benefit options. National Life Estate Provider Extended maturity provision; secondary guarantees. New England Financial ULtraFlex Survivorship Low endowment premium; variety of riders for policy customization. New York Life & Annuity Secondary guarantees; extended maturity provision. Ohio National Life Survivor Life LP Choice of either competitive premium solve performance with moderate death benefit guarantees, or strong low cost death benefit guarantees to maturity. Pacific Life Pacific Estate Preserver Designed for strong current illustrated performance; term rider provides flexibility; low-cost lifetime no-lapse guarantee available; full death benefit maturity extension available via rider. Penn Mutual Life Estate Max II Product is designed for low endowment premium and low premium to carry; secondary guarantees. Phoenix Life Estate Legacy II Flexibility through varied riders; at specified policy anniversaries policy may be restructured to change strategy; estate term rider provides additional coverage at lower COI than base contract. Principal Life Survivorship Universal Life Low premium for standard/substandard/rated insureds; secondary guarantees; extension of face amount if policy is in force at maturity; regardless of cash value; premiums based on age last birthday. Protective Life Protective Survivor Designed for maximum coverage with a low premium; competitive array of riders including flexible coverage and guaranteed insurability riders. ReliaStar Life Elite Estate Designed for older age marketplace in both low cost death benefits and long term guarantees; includes a five-year nolapse guarantee within the contract; included extended maturity option extends the maturity date beyond attained age 100. Security Mutual Life of N.Y. Estate Conserver Low endowment and low premium to carry; positioned towards business markets. Southland Life Legacy Survivor Secondary guarantees. Sun Life of Canada (U.S) Survivorship UL Designed to provide low cost death benefit protection; guarantee lapse protection feature reduces risk of outliving coverage; choice at issue of a guaranteed premium test or cash value accumulation test; riders and features to tailor policy to client. Transamerica Occidental Life TransAce Survivor XL/TransSurvivor XL Recent enhancements: sunset option allows the policyowner to surrender policies anytime from Jan. 1, 2010 to Dec. 31, 2010 without surrender penalties; honeymoon endorsement waives surrender charges if a full surrender made during the first 5 years (minimum of $100,000 annual premium; selected at issue). Deferral of surrender charge endorsement allows a onetime face reduction on or after the 5th policy anniversary with no surrender charges (minimum of $100,000 annual premium; selected at issue). Travelers Insurance Survivorship Life Designed to provide low cost death benefit and flexibility; death benefit guarantee rider. Union Central Life Excel Survivor Scheduled death benefit increase rider automatically increases the amount of coverage; competitive performance and favorable underwriting guidelines for an uninsurable client. United of Omaha Life Priority Survivor Expert medical underwriting; performs best when one or both clients are impaired; low lifetime premium when youngest insured is age 50 and older, and the target premium is paid; extended maturity provision. United States Life Survivorship Premier Provides an extended maturity option.

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