Indexed Survivor Universal Life. Agent product guide /10

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1 Idexed Survivor Uiversal Life Aget product guide /10

2 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig wealth has always bee about more tha livig the good life... Your cliets have worked hard to build their estates ad grow legacies for their loved oes. But, estate taxes ca quickly erase the positive effects ad all of their hard work. Product Features A last survivor life isurace policy that isures two lives ad pays the death beefit upo the secod death A optioal No-Lapse Guaratee Rider that ca esure a guarateed death beefit ad/or a guarateed premium paymet period Survivorship life isurace is a very efficiet ad cost effective way to help your cliets coted with estate tax issues. Aviva is pleased to offer our Idexed Survivor UL pla (ISUL) as aother valuable idexed life isurace alterative. Idex liked iterest creditig optios that iclude a guarateed miimum iterest rate while providig more potetial over the life of the policy for greater iterest creditig tha most traditioal life isurace products Flexible premium paymets ad death beefit optios A array of riders to customize the policy This policy descriptio provides highlights ad does ot cover all restrictios, coditios or limitatios that may apply. See the policy for full details. Beefits may be limited or excluded durig the first two years of your policy uder suicide ad cotestability provisios. Access to cash value via policy loas ad withdrawals (tax cosequeces ad/or surreder charges could apply) Products issued by ad all policy beefits are the resposibility of Aviva Life ad Auity Compay, ad ot that of ay other isurer or compay. For aget use oly. Not for use with the geeral public. Policy Form 2JAF06. Availability may vary by state. 1

3 Product Specificatios Issue Ages for both isureds, age earest birthday (yougest isured must ot be 80 or over). Maturity Mothly deductios cotiue to the yougest isured s age 121. If the policy is i force at that time, the face amout becomes fully paid-up ad mothly deductios are stopped. Miimum Face Amout $250,000 Premiums Premiums are flexible, subject to 10-year miimum premium ad guidelie premium limitatios. Lifetime Rollig Target Premium Premiums paid up to the first year target provide first-year commissios regardless of whe the premium is paid. Substadard Class Availability Ratigs up to Table 12 ad uisurable are available. If oe life is uisurable, the other life caot have a ratig greater tha those show below: Issue Age Isurable Life Max Ratig Isurable Life Table Table Stadard Uderwritig Classes Premier No-Tobacco through age 75 Preferred No-Tobacco through age 85 Preferred Tobacco through age 85 Stadard No-Tobacco through age 85 Stadard Tobacco through age 85 Product Charges* 6 percet premium load ad $10 mothly fee Per $1,000 face amout charge (years 1-7 o a curret basis; all years o a guarateed basis) COIs charged o the et amout at risk Death Beefit Optios Level (Optio 1) Icreasig (Optio 2) Level with Death Beefit Retur of Premium Rider (Optio 3) * As with most uiversal life policies, the cash value is determied by the sum of premiums paid et of ay loads, deductios of policy charges, plus iterest credited. Policy charges are deducted mothly ad iclude a flat admiistrative fee, a coverage charge per $1,000 of face value, cost of isurace charges, ad premiums for ay riders. 2

4 Product Specificatios Policy Chages Face Icreases Miimum face amout icrease is $100,000. Evidece of isurability o both lives is required. No icreases allowed if oe of the isureds is deceased. Face Decreases Face reductios will ot reduce miimum premiums, surreder charges, or the per $1,000 face amout load. Surreder Charges 15-year decliig schedule Other Factors Affectig Iterest Creditig Ay moey which is removed from a idexed strategy segmet durig a iterest creditig period for ay reaso (e.g., withdrawal, certai loas, policy surreder, to pay policy charges or expeses, etc.) is ot credited with ay idex-liked iterest for such iterest creditig period. Aget Website Choose For Agets, the Aget Portal Illustratio ad Web Support (800) , optio 1 ext Advaced Markets (800) , optio 5 Loas** Available i all years, iterest collected i advace. Choice of variable rate or aually declared (fixed rate) policy loas (icludig preferred): Variable loa rate is equal to the Moody s Corporate Bod Yield Average rate, but will ever be less tha 3 percet or more tha 9.5 percet. A idex-liked creditig rate is applied to the amout of the loa, for a low et cost. Fixed rate loas have a 2 percet et cost. Preferred fixed rate loas, available after 10th policy year, have a 0 percet et cost. Outstadig loas are treated as a lie agaist the policy s cash value ad death beefit. Loa repaymets may be made at ay time. Withdrawals*** Partial withdrawals reduce the death beefit ad the accout value by the amout of the withdrawal, with pro-rated surreder charges ad a fee of up to $25. For Death Beefit Optio 1 ad 3 policies, the face amout is decreased by the amout of the gross withdrawal. For Death Beefit Optio 2 policies, o face amout adjustmet is made.for Illustratios A siged policy illustratio is required via our Life Portraits Sales Solutios illustratio software (LPSS). LPSS ca be accessed through your aget website. ** If the fixed accout does ot have sufficiet fuds to cover a policy loa, withdrawal, or policy charge, fuds will be automatically trasferred from idexed accouts to the fixed accout to cover such amouts take proportioately from each idex accout segmet. 3 *** This policy is desiged for log-term accumulatio ad ot for short-term liquidity. However, if the policyholder s eeds chage, the policy allows the policyholder to withdraw all or part of the cash value subject to certai limitatios. Withdrawals may be subject to surreder pealties imposed by the compay. Amouts withdraw may also be subject to tax liability or tax pealties. Partial surreders ad loas may affect policy values ad death beefits. Aviva does ot provide tax, legal or accoutig advice; policyholders should always cosult their ow persoal advisor for tax, legal, or accoutig advice.

5 As a idexed survivor life policy, our ISUL offers your cliets a wider rage of optios tha are available i traditioal life isurace policies. The idexig features of our ISUL are outlied below. For complete details regardig Aviva idexed life isurace products, please cosult our brochure, Uderstadig Idexed Life Isurace (Form 14888). This cliet-approved booklet will allow you to provide your idexed life customers with a complete buyer s guide for Aviva idexed life isurace. Iterest Creditig Optios Fixed ad idexed strategies available Curret Iterest Creditig Strategies* Basic Iterest Strategy The iitial holdig place for premium. A miimum balace is kept here ad ears a fixed iterest rate determied by the compay. Premiums paid i excess of the miimum required move from here to the other iterest creditig strategies chose by the customer, accordig to policy specificatios. Fixed Term Strategies Oe-Year Fixed Term Strategy Five-Year Fixed Term Strategy Idexed Strategies Oe-Year Poit-to-Poit (five-year term) Oe-Year Multi-Idex (five-year term) Oe-Year Mothly Cap (five-year term) Oe-Year Mothly Average (five-year term) Two-Year Poit-to-Poit (six-year term) Idices + Stadard & Poor s 500 Composite Stock Price Idex NASDAQ 100 Idex Dow Joes Idustrial Average Participatio Rate Determies the percetage of the idex growth the policyholder is eligible to ear. Participatio rates may vary by iterest creditig strategy ad ca be reset at the begiig of a iterest creditig period as specified i the policy. Idexed Survivor UL icludes a participatio rate that is guarateed to be at least 100%. Cap Rate The cap rate is the maximum rate that is used i calculatig credited iterest for each strategy. Cap rates may vary by strategy ad ca be reset at the begiig of a iterest creditig period as specified i the policy. Idexed Survivor UL icludes a miimum cap that is guarateed for the life of the policy. (Varies by strategy) Guarateed Iterest Rates The Aviva ISUL policy provides a guarateed miimum iterest rate of 2%. O the fixed-term strategies, the policy guaratees that the declared iterest rate will ever be less tha 2%. O the idexed strategies, the policy guaratees that the iterest credited will ever be less tha 2% compouded aually over the segmet term. The guaratee will be applied at the ed of the segmet term or upo lapse, surreder or maturity of the policy, whichever occurs first. * Strategies may ot be available i all states. The fixed term strategies are ot available if the NLG rider is i force. Dollars i strategies ca be reallocated at the ed of each segmet term. + See back cover for disclosure regardig idices used. Measuremet of idices exclude divideds. 4

6 Riders* Optioal No-Lapse Guaratee Rider** (form 2JNLGF06) Lifetime guarateed death beefit is available via the No-Lapse Guaratee (NLG) Rider. Available oly at issue, the NLG rider keeps the policy from lapsig prior to the secod death, provided that miimum required premiums are paid. Customers ca choose the legth of the guaratee ad the terms of premium paymet. The guaratee is highly depedet o the amout ad frequecy of premium paid. The death beefit guaratee period may be impacted if evets icludig, but ot limited to, the followig occur: A chage i the policy face amout A policy loa or withdrawal A chage i uderwritig class The additio, deletio or chage of ay rider Premiums are received beyod the policy moth i which they are due Restoratio Period If the NLG becomes compromised due to isufficiet premium paymets, the NLG rider will eter a fiveyear NLG restoratio period. At ay time durig this restoratio period, premiums ca be paid to catch up ad restore the NLG rider. Rider charges will cotiue to be assessed from the policy cash value durig the restoratio period. Please see rider form for complete NLG rider specificatios. Accelerated Beefits Rider (form 2ABRF06) Automatically icluded where available, allows access of up to 50 percet of base policy face amout (to a maximum of $250,000) i the evet that the last survivor is diagosed with a life expectacy of 12 moths or less. Miimum beefit is $500. Exercise of this beefit establishes a lie o the policy, ad the et death beefit is reduced by the amout of the accelerated beefit ad accrued iterest o the paymet. A processig fee will be assessed at the time of exercise. Estate Protectio Rider (form 2J4YTF06) Provides additioal term coverage for both lives ad is payable oly if BOTH isureds die durig the first four policy years. Oly available at policy issue. Coversios to permaet coverage oly allowed durig the first four policy years whe both isureds are alive. Maximum substadard is Table 8. Life Protector Rider (form 2JLPUF06)*** Provides paid-up coverage whe certai policy ad policy loa coditios are met (coditios are based o the youger isured s age). Prevets policy from lapsig as a result of loa idebtedess. Rider ca be added at ay time prior to exercise, as log as the policy has positive cash value. A oe-time charge is applied at the time the rider is exercised. NLG Rider Termiatio The NLG rider will termiate at the earliest of: The expiratio of the five-year NLG rider restoratio period The mothiversary followig a request for termiatio Policy termiatio or maturity or The exercise of the Life Protector Rider Illustratig NLG The Aviva Sales Solutios illustratio software icludes a solve capability that ehaces NLG illustratios. You ca: Solve for modal premium based o face amout ad guaratee period Solve for face amout based o the premium ad guaratee period Maitai the NLG rider as log as possible based o the face amout ad premium. 5

7 Death Beefit Retur of Premium Rider (form 2JROPF06) Provides additioal, icreasig death beefit o the lives of the isureds equal to premiums paid, less withdrawals, accumulated with iterest, if desired. A iterest growth rate, from 0 percet to 6 percet, ca be selected whe illustratig the rider. The iterest growth rate is level i all years. Issue Ages: Available ONLY at time of policy issue Death Beefit: Payable upo the secod death. Must be used i cojuctio with Death Beefit Optio 1 (level). Uderwritig: Policy will be uderwritte usig the 15th year illustrated death beefit. Applicatios must iclude a illustratio. Deductios: Rider face amout icreases will icur cost of isurace charges. Rider face amout icreases will ot icrease per $1,000 of face amout charges or surreder charges. Maximum Special Class: No limit Not available if the No-Lapse Guaratee Rider is purchased. Joit Term Rider (form 2JTRF06) Provides level term coverage for the two lives ad is payable upo the secod death. Oly available at the time of policy issue. Maximum substadard is Table 8. Policy Split Optio (form 2JPSOF06) Automatically icluded where available ad whe both isureds are rated Table 8 or better. Allows the two isured idividuals to split the policy ito two separate policies o the two idividual lives i the evet of a divorce, legal dissolutio of a busiess iterest (if the isureds are busiess parters or co-stockholders) or a chage i the federal estate tax law that results i: a reductio of the Ulimited Marital Deductio to less tha 75 percet of the adjusted gross estate; or a reductio of at least 50 percet of the tax rate i the maximum Federal Estate bracket No evidece of isurability is required whe the optio is exercised, except whe the exercise is due to the legal dissolutio of a busiess iterest. * Riders are subject to state availability, certai limitatios, ad may require additioal premiums uless otherwise specified. See terms of the rider for full details. ** The No Lapse Guaratee Rider is called the Exteded Guaratee Rider i Coecticut ad the Death Beefit Guaratee Rider i Illiois. *** The tax treatmet of this rider, if activated, is ot well settled uder curret law. I particular, it is ot clear whether the rider will result i a taxable evet at the time it is activated. Ayoe cotemplatig the purchase of the policy with this rider should cosult a tax advisor as to the possible tax ramificatios associated therewith. For aget use oly. Not for use with the geeral public. Policy form 2JAF06. Availability may vary by state. 6

8 + Stadard & Poor s, S&P, S&P 500, Stadard & Poor s 500 ad 500 are trademarks of The McGraw-Hill Compaies, Ic. ad have bee licesed for use by Aviva. Our Idexed UL products are ot sposored, edorsed, sold or promoted by Stadard & Poor s ad Stadard & Poor s makes o represetatio regardig the advisability of purchasig these products. NASDAQ, NASDAQ-100, ad NASDAQ-100 Idex are trademarks of The NASDAQ Stock Market, Ic. This Policy is ot sposored, edorsed, sold or promoted by The NASDAQ Stock Market, Ic. or its affiliates (NASDAQ, with its affiliates, are referred to as the Corporatios ). The Corporatios have ot passed o the legality or suitability of, or the accuracy or adequacy of descriptios ad disclosures relatig to, the Policy. The Corporatios make o represetatio or warraty, express or implied to the owers of the Policy or ay member of the public regardig the advisability of ivestig i securities geerally or i the Policy particularly, or the ability of the NASDAQ-100 Idex to track geeral stock market performace. The Corporatios oly relatioship to Aviva ( Licesee ) is i the licesig of the NASDAQ, NASDAQ-100, ad NASDAQ-100 Idex trademarks, ad certai trade ames of the Corporatios ad the use of the NASDAQ-100 Idex which is determied, composed ad calculated by NASDAQ without regard to Licesee or the Policy. NASDAQ has o obligatio to take the eeds of the Licesee or the owers of the Policy ito cosideratio i determiig, composig or calculatig the NASDAQ-100 Idex. The Corporatios are ot resposible for ad have ot participated i the determiatio of the timig of, prices at, or quatities of the Policy to be issued or i the determiatio or calculatio of the equatio by which the Policy is to be coverted ito cash. The Corporatios have o liability i coectio with the admiistratio, marketig or tradig of the Policy. Dow Joes, Dow Joes Idustrial Average ad DJIA are service marks of Dow Joes & Compay, Ic. ad have bee licesed for use for certai purposes by Aviva. Aviva s product(s) based o the Dow Joes Idustrial Average, are ot sposored, edorsed, sold or promoted by Dow Joes, ad Dow Joes makes o represetatio regardig the advisability of ivestig i such product(s). This brochure cotais highlights oly. You should refer to the Idexed Survivor Uiversal Life policy for a full explaatio. All tax related iformatio cotaied here i is based o our curret uderstadig of federal tax laws as they relate to life isurace or other subject matter discussed. These laws are subject to chage i the future. Neither Aviva or its represetatives offer legal or tax advice. Your cliets should cosult a persoal tax advisor o ay tax matters. I order to comply with certai U.S. Treasury regulatios, please be advised of the followig: Uless expressly stated otherwise, ay U.S. Federal tax advice cotaied i these materials is ot iteded or writte to be used, ad caot be used, by ay perso for the purpose of avoidig ay pealties that may be imposed by the Iteral Reveue Service. Products issued by ad all policy beefits are the resposibility of Aviva Life ad Auity Compay, ad ot that of ay other isurer or compay. Policy form 2JAF06. Availability may vary by state. For aget use oly. Products issued by Aviva Life ad Auity Compay 7700 Mills Civic Parkway West Des Moies, IA /10

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