Company Aviva Life and Annuity Company Telephone Product Name Indexed Survivor UL / Universal Life
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1 Company Acacia Life Insurance Co. - A UNIFI Company Telephone Product Name Excel LifeValue SUL / Universal Life 5 $37,280 $1,000, $74,560 $1,000, $111,840 $1,000, $149,120 $1,000, $186,400 $1,000,000 5 $14, % 10 $64, % 15 $131, % 20 $219, % 25 $316, % 5 $64,345 $1,000, $128,694 $1,000, $193,035 $1,000, $257,388 $1,000, $321,725 $1,000,000 5 $33, % 10 $120, % 15 $233, % 20 $373, % 25 $514, % 57 MNS/52 FNS N/A 57 MNS/52 FNS N/A 57 MNS/52 FNS $6, MNS/62 FNS $12, Current Interest/Dividend Interest Rate 5.30% / Net , Table C 250% Extra Premiums, Age Ratings, Without evidence of insurability / Individual term, Policy split, Other, Estate Protection, Total DI,Waiver Monthly Deduct. Reinsurance retention amount $2,000,000 Commission Info: MNS 57/FNS 52 Please Call Commission Info: MNS 67/FNS 62 Please Call Company Aviva Life and Annuity Company Telephone kent.campbell@avivausa.com Product Name Indexed Survivor UL / Universal Life States Available/Unavailable Unavailable in MA MT NY PA VT VI Guam PR 5 $41,350 $1,000, $82,700 $1,000, $124,050 $1,000, $165,400 $1,000, $206,750 $1,000,000 5 $17, % 10 $73,826 44% 15 $160,555 24% 20 $271,748 15% 25 $420,638 11% 5 $71,550 $1,000, $143,100 $1,000, $214,650 $1,000, $286,200 $1,000, $357,750 $1,000,000 5 $44, % 10 $146,068 34% 15 $296,888 18% 20 $487,011 11% 25 $738,313 7% 57 MNS/52 FNS $6, MNS/52 FNS $10, MNS/52 FNS $3,632 (solved for $1,000 CV in yr48) 67 MNS/62 FNS $6,818 (solved for $1,000 CV in yr38) Current Interest/Dividend Interest Rate 7.05 Net Extra Premiums, Without evidence of insurability / Accelerated benefit, Joint 4-year term, Lapse Guarantee, Policy split, Terminal Illness, Other: Overloan Protection, Joint Term, Return of Premium Reinsurance retention amount $10 million for most ages & risk classes Commission Info: MNS 57/FNS 52 NR Commission Info: MNS 67/FNS 62 NR
2 Company Aviva Life and Annuity of New York Telephone Product Name Indexed Survivor UL / Universal States Available/Unavailable Available in NY 5 $41,350 $1,000, $82,700 $1,000, $124,050 $1,000, $165,400 $1,000, $206,750 $1,000,000 5 $17, % 10 $73,826 44% 15 $160,555 24% 20 $271,748 15% 25 $420,638 11% 5 $71,550 $1,000, $143,100 $1,000, $214,650 $1,000, $286,200 $1,000, $357,750 $1,000,000 5 $44, % 10 $146,068 34% 15 $296,888 18% 20 $487,011 11% 25 $738,313 7% 57 MNS/52 FNS $6, MNS/52 FNS $10, MNS/52 FNS $3,632 (solved for $1,000 CV in yr48) 67 MNS/62 FNS $6,818 (solved for $1,000 CV in yr38) Current Interest/Dividend Interest Rate 7.05 Net Extra Premiums, Without evidence of insurability / Accelerated benefit, Joint 4-year term, Lapse Guarantee, Policy split, Terminal Illness, Other: Overloan Protection, Joint Term, Return of Premium Reinsurance retention amount $10 million for most ages & risk classes MNS 57/FNS 52 NR MNS 67/FNS 62 NR Company Guardian Life Insurance Company Telephone kristin_mastrandrea@glic.com Product Name EstateGuard Whole Life / Participating Amount of last survivor plans 3 States Available/Unavailable Unavailable in MT VI Guam PR 5 $69,000 $1,002, $138,000 $1,011, $207,000 $1,056, $276,000 $1,154, $345,000 $1,319,427 5 $49, % 10 $141, % 15 $263, % 20 $430, % 25 $721, % 5 $110,800 $1,004, $221,600 $1,040, $332,400 $1,119, $443,200 $1,260, $554,000 $1,457,818 5 $78, % 10 $229, % 15 $417, % 20 $721, % 25 $1,007, % 57 MNS/52 FNS $13, MNS/52 FNS $22, MNS/52 FNS $7, MNS/62 FNS $12,586 Current Interest/Dividend Interest Rate 7.30% Net , Table 4 12 Extra Premiums, Age Ratings, Without evidence of insurability / Individual term, Policy split, Other: DuoGuard Riders, EPUA, Death Waiver Reinsurance retention amount $8 Million Commission Info: MNS 57/FNS 52 N/A Commission Info: MNS 67/FNS 62 N/A
3 Company Lincoln Benefit Life Telephone Product Name Legacy Secure SL / Universal 5 $57,302 $1,000, $114,603 $1,000, $171,905 $1,000, $229,206 $1,000, $286,508 $1,000,000 5 $47, % 10 $112,567 45% 15 $190,235 22% 20 $283,010 14% 25 $39,533 9% 5 $89,265 $1,000, $178,530 $1,000, $267,794 $1,000, $357,059 $1,000, $446,324 $1,000,000 5 $71, % 10 $164,846 36% 15 $274,344 17% 20 $399,617 10% 25 $517,861 6% 57 MNS/52 FNS $6, MNS/52 FNS $10, MNS/52 FNS $9,426 ($1 CV in pol. yr. 48) 67 MNS/62 FNS $15, ($1 CV in pol. yr. 38) Current Interest/Dividend Interest Rate 4.25% Net Company Lincoln National Life Insurance Company Telephone heidi.st.jean@lfd.com Product Name Lincoln LifeGuarantee SUL / Universal Amount of last survivor plans 3 5 $38,115 $1,000, $76,230 $1,000, $114,345 $1,000, $152,460 $1,000, $190,575 $1,000,000 5 $ % 10 $23, % 15 $54, % 20 $78, % 25 $49, % 5 $64,290 $1,000, $ $1,000, $192,870 $1,000, $257,160 $1,000, $321,450 $1,000,000 5 $ % 10 $49, % 15 $92, % 20 $72, % 25 $0 7.9% 57 MNS/52 FNS $7, MNS/52 FNS $12, MNS/52 FNS $14, MNS/62 FNS $21,916 Current Interest/Dividend Interest Rate 3% Gross , ,950 19,999 Reinsurance retention amount $5,000,000 Commission Info: MNS 57/FNS Commission Info: MNS 67/FNS plus uninsurable Table ratings (increased COI charges), With evidence of insurability / Joint 4-year term, Lapse Guarantee, Policy split, Other: Surrender Charge Adjustment; Estate Liquidity Reinsurance retention amount MNS 57/FNS 52 MNS 67/FNS 62, Table D Up to T-Z with T-D Age Ratings, With evidence of insurability / Accelerated benefit Estate Tax Repeal Rider Lapse Guarantee Policy split Premium waiver Premium waiver Terminal Illness Other: Minimum Death Benefit Endorsement $50 million
4 Company Massachusetts Mutual Life Insurance Company Telephone Product Name SUL Guard (SM) / Universal States Available/Unavailable Unavailable in VI Guam PR 5 $37,200 $1,000, $74,400 $1,000, $111,600 $1,000, $148,800 $1,000, $186,000 $1,000,000 5 $ % 10 $4, % 15 $6, % 20 $ % 25 $ % 5 $61,350 $1,000, $122,700 $1,000, $184,050 $1,000, $245,400 $1,000, $306,750 $1,000,000 5 $8, % 10 $26, % 15 $1, % 20 $ % 25 $0 8.20% 57 MNS/52 FNS $6, MNS/52 FNS $10, MNS/52 FNS 67 MNS/62 FNS Current Interest/Dividend Interest Rate 3.90% Net Company Metropolitan Life Insurance Company Telephone kzukiewicz@metlife.com Product Name Legacy Advantage SUL / Universal States Available/Unavailable Unavailable in VI Guam PR 5 $38,790 $1,000, $77,580 $1,000, $116,370 $1,000, $155,160 $1,000, $193,950 $1,000,000 5 $19, % 10 $73, % 15 $134, % 20 $201, % 25 $286, % 5 $68,300 $1,000, $136,600 $1,000, $204,900 $1,000, $273,200 $1,000, $341,500 $1,000,000 5 $41, % 10 $132, % 15 $232, % 20 $330, % 25 $424, % 57 MNS/52 FNS $ MNS/52 FNS $ MNS/52 FNS $7,871 ($1 CV in pol. yr. 48) 67 MNS/62 FNS $13,294 ($1 CV in pol. yr. 38) Current Interest/Dividend Interest Rate 4.25 Net Reinsurance retention amount Commission Info: MNS 57/FNS 52 Commission Info: MNS 67/FNS 62 Extra Premiums, Without evidence of insurability / Accelerated benefit, Policy split, Other: Substitute of Insured & Estate Protection $20 million, Table C 16 Extra Premiums, Other: Flat Extras, $1, Without evidence of insurability / Automatic increase benefit, Joint 4-year term, Long-term care, Lapse Guarantee, Policy split, Premium waiver, Other: Guaranteed Survivor Income Benefit, ROP Rider Reinsurance retention amount $20,000,000 Commission Info: MNS 57/FNS 52 N/A Commission Info: MNS 67/FNS 62 N/A
5 Company Nationwide Financial Telephone Product Name Nationwide YourLife SUL / Universal States Available/Unavailable Unavailable in Guam 5 $39,968 $1,000, $79,936 $1,000, $119,904 $1,000, $159,872 $1,000, $199,840 $1,000,000 5 $8, % 10 $45, % 15 $91, % 20 $140, % 25 $180, % 5 $68,304 $1,000, $136,608 $1,000, $204,913 $1,000, $273,217 $1,000, $341,521 $1,000,000 5 $22, % 10 $73, % 15 $118, % 20 $154, % 25 $145, % 57 MNS/52 FNS $7, MNS/52 FNS $11, MNS/52 FNS $7, MNS/62 FNS $11,672 Current Interest/Dividend Interest Rate $3.00 Net 1, Table C One life 6 or better Extra Premiums, 0 CV, Without evidence of insurability / Policy split, Survivor 4-year term, Other: Lapse Guarantee built into contract Reinsurance retention amount $15,000,000 MNS 57/FNS 52 N/A MNS 67/FNS 62 N/A Company Principal Life Insurance Company Telephone wiener.sara@principal.com Product Name SUL Protector / Universal 5 $39,935 $1,002, $79,871 $1,000, $119,806 $1,000, $159,741 $1,000, $199,677 $1,000, % 10 $27, % 15 $77, % 20 $130, % 25 $174, % 5 $68,475 $1,000, $136,950 $1,000, $205,426 $1,000, $273,901 $1,000, $342,376 $1,000,000 5 $19, % 10 $78, % 15 $151, % 20 $166, % 25 $108, % 57 MNS/52 FNS $6, MNS/52 FNS $11, MNS/52 FNS $12, MNS/62 FNS $21,624 Current Interest/Dividend Interest Rate 4.65% Net , Table 3 Uninsured/Table 16 Extra Premiums, Age Ratings, minimum., Without evidence of insurability / Estate Tax Repeal Rider, Individual term, Joint 4-year term, Maturity extensions, Policy split Reinsurance retention amount $4 million MNS 57/FNS MNS 67/FNS 62 50
6 Company Protective Life Telephone Product Name Protective Centennial Survivor G UL / Universal States Available/Unavailable Unavailable in NY Guam PR 5 $33,082 $1,000, $66,165 $1,000, $99,247 $1,000, $132,329 $1,000, $165,411 $1,000,000 5 $1, % 10 $37, % 15 $84, % 20 $115, % 25 $135, % 5 $54,835 $1,000, $109,670 $1,000, $164,506 $1,000, $219,341 $1,000, $274,176 $1,000,000 5 $10, % 10 $68, % 15 $133, % 20 $145, % 25 $53, % 57 MNS/52 FNS $6, MNS/52 FNS $10, MNS/52 FNS $14,804 ($1 CV in policy year 48) 67 MNS/62 FNS $22,846 ($1 CV in policy year 38) Current Interest/Dividend Interest Rate 4.5% Net 1 16 Extra Premiums, Other: Flat extras or table ratings, With evidence of insurability / Accelerated benefit, Estate Tax Repeal Rider, Lapse Guarantee, Policy split, Other: Estate Protection Endorsement Reinsurance retention amount $2,000,000 Commission Info: MNS 57/FNS 52 N/A Commission Info: MNS 67/FNS 62 N/A Company Security Mutual Life Insurance Company of New York Telephone dfoley@smlny.com Product Name Survivorship UL / Universal States Unavailable: AL AR AZ CA DE MO MS MT ND NM NV OR SD DC VI Guam PR 5 $37,640 $1,000, $75,280 $1,000, $112,920 $1,000, $150,560 $1,000, $188,200 $1,000,000 5 $12, % 10 $63, % 15 $127, % 20 $207, % 25 $300, % 5 $64,880 $1,000, $129,760 $1,000, $194,640 $1,000, $259,520 $1,000, $324,400 $1,000,000 5 $26, % 10 $110, % 15 $217, % 20 $338, % 25 $338, % 57 MNS/52 FNS $18, MNS/52 FNS $29, MNS/52 FNS $6, MNS/62 FNS $12,892 in year 48 (13,047 in year 58) Current Interest/Dividend Interest Rate 4.80% Gross Reinsurance retention amount $500,000 Commission Info: MNS 57/FNS Commission Info: MNS 67/FNS N/A Extra Premiums, With evidence of insurability / Accelerated benefit, Individual term, Policy split, Premium waiver, Other: Guaranteed Survivor Income Benefit, ROP Rider
7 Company Transamerica Life Insurance Company Telephone Product Name TransACE Survivor / Universal States Available/Unavailable Unavailable in NY PR 5 $31,785 $1,000, $63,570 $1,000, $95,355 $1,000, $127,140 $1,000, $158,925 $1,000,000 5 $3, % 10 $42, % 15 $89, % 20 $139, % 25 $193, % 5 $53,225 $1,000, $106,450 $1,000, $159,675 $1,000, $212,900 $1,000, $266,125 $1,000,000 5 $2, % 10 $67, % 15 $141, % 20 $206, % 25 $225, % 57 MNS/52 FNS $6, MNS/52 FNS $10, MNS/52 FNS $9,372 ($492 at pol yr 48) 67 MNS/62 FNS $14,546 ($79 at pol yr 38) Current Interest/Dividend Interest Rate $4.25 Gross 1 Company West Coast Life Telephone Product Name Golden Legacy Protector X / Universal States Available/Unavailable Unavailable in NH NY VI Guam PR 5 $33,082 $1,000, $66,165 $1,000, $99,247 $1,000, $132,329 $1,000, $165,411 $1,000,000 5 $1, % 10 $37, % 15 $84, % 20 $115, % 25 $135, % 5 $54,835 $1,000, $109,670 $1,000, $164,506 $1,000, $219,341 $1,000, $274,176 $1,000,000 5 $10, % 10 $68, % 15 $133, % 20 $145, % 25 $53, % 57 MNS/52 FNS $ MNS/52 FNS $ MNS/52 FNS $14804 ($1 CV in policy year 48) 67 MNS/62 FNS $22846 ($1 CV in policy year 38) Current Interest/Dividend Interest Rate 4.5% Net 1 Reinsurance retention amount MNS 57/FNS 52 MNS 67/FNS 62 Table P/life; 1 unins Extra Premiums, Without evidence of insurability / Accelerated benefit Lapse Guarantee Premium waiver $10 million N/A N/A 16 Extra Premiums Other: Flat extras or table ratings, With evidence of insurability / Accelerated benefit Estate Tax Repeal Rider Lapse Guarantee Policy split Other: Estate Protection Endorsement Reinsurance retention amount $2,000,000 MNS 57/FNS 52 N/A MNS 67/FNS 62 N/A
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