Company Acacia Life Insurance Co. - A UNIFI Company Telephone 800-319-6903 E-Mail Product Name Excel LifeValue SUL / Universal Life 5 $37,280 $1,000,000 10 $74,560 $1,000,000 15 $111,840 $1,000,000 20 $149,120 $1,000,000 25 $186,400 $1,000,000 5 $14,730 139.73% 10 $64,565 45.68% 15 $131,954 24.76% 20 $219,604 16.02% 25 $316,679 11.34% 5 $64,345 $1,000,000 10 $128,694 $1,000,000 15 $193,035 $1,000,000 20 $257,388 $1,000,000 25 $321,725 $1,000,000 5 $33,128 111.07% 10 $120,142 35.93% 15 $233,891 18.84% 20 $373,193 11.70% 25 $514,344 7.90% 57 MNS/52 FNS N/A 57 MNS/52 FNS N/A 57 MNS/52 FNS $6,417.76 67 MNS/62 FNS $12,844.74 Current Interest/Dividend Interest Rate 5.30% / Net 1 2 3 4 5 10 15 20, 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 800-800-9882 E-Mail 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 $1,000,000 10 $82,700 $1,000,000 15 $124,050 $1,000,000 20 $165,400 $1,000,000 25 $206,750 $1,000,000 5 $17,887 134% 10 $73,826 44% 15 $160,555 24% 20 $271,748 15% 25 $420,638 11% 5 $71,550 $1,000,000 10 $143,100 $1,000,000 15 $214,650 $1,000,000 20 $286,200 $1,000,000 25 $357,750 $1,000,000 5 $44,028 106% 10 $146,068 34% 15 $296,888 18% 20 $487,011 11% 25 $738,313 7% 57 MNS/52 FNS $6,692 57 MNS/52 FNS $10,652 57 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 1.00018.00064 2.00095.00401 3.00245.01134 4.00485.02345 5.00857.04321 10.07326.36018 15.33190 1.95333 20 1.11281 6.57031 24 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
Company Aviva Life and Annuity of New York Telephone 800-252-4467 E-Mail kent.campbell@avivausa.com Product Name Indexed Survivor UL / Universal States Available/Unavailable Available in NY 5 $41,350 $1,000,000 10 $82,700 $1,000,000 15 $124,050 $1,000,000 20 $165,400 $1,000,000 25 $206,750 $1,000,000 5 $17,887 134% 10 $73,826 44% 15 $160,555 24% 20 $271,748 15% 25 $420,638 11% 5 $71,550 $1,000,000 10 $143,100 $1,000,000 15 $214,650 $1,000,000 20 $286,200 $1,000,000 25 $357,750 $1,000,000 5 $44,028 106% 10 $146,068 34% 15 $296,888 18% 20 $487,011 11% 25 $738,313 7% 57 MNS/52 FNS $6,692 57 MNS/52 FNS $10,652 57 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 1.00018.00064 2.00095.00401 3.00245.01134 4.00485.02345 5.00857.04321 10.07326.36018 15.33190 1.95333 20 1.11281 6.57031 24 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 212-919-3965 E-Mail 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 $1,002,192 10 $138,000 $1,011,817 15 $207,000 $1,056,552 20 $276,000 $1,154,472 25 $345,000 $1,319,427 5 $49,249 107.71% 10 $141,865 34.91% 15 $263,717 18.68% 20 $430,063 12.29% 25 $721,800 9.22% 5 $110,800 $1,004,024 10 $221,600 $1,040,207 15 $332,400 $1,119,977 20 $443,200 $1,260,501 25 $554,000 $1,457,818 5 $78,679 85.32% 10 $229,244 27.11% 15 $417,990 14.12% 20 $721,581 9.16% 25 $1,007,275 6.81% 57 MNS/52 FNS $13,800 57 MNS/52 FNS $22,160 57 MNS/52 FNS $7,601 67 MNS/62 FNS $12,586 Current Interest/Dividend Interest Rate 7.30% Net 1 0.35 0.35 2 0.35 0.35 3 0.35 0.35 4 0.35 0.35 5 0.35 0.35 10 0.35 1.09 15 0.66 3.52 20 2.05 10.38, 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
Company Lincoln Benefit Life Telephone 402-328-5229 E-Mail mnuta@allstate.com Product Name Legacy Secure SL / Universal 5 $57,302 $1,000,000 10 $114,603 $1,000,000 15 $171,905 $1,000,000 20 $229,206 $1,000,000 25 $286,508 $1,000,000 5 $47,874 173% 10 $112,567 45% 15 $190,235 22% 20 $283,010 14% 25 $39,533 9% 5 $89,265 $1,000,000 10 $178,530 $1,000,000 15 $267,794 $1,000,000 20 $357,059 $1,000,000 25 $446,324 $1,000,000 5 $71,724 140% 10 $164,846 36% 15 $274,344 17% 20 $399,617 10% 25 $517,861 6% 57 MNS/52 FNS $6,596.01 57 MNS/52 FNS $10,849.38 57 MNS/52 FNS $9,426 ($1 CV in pol. yr. 48) 67 MNS/62 FNS $15,681.91 ($1 CV in pol. yr. 38) Current Interest/Dividend Interest Rate 4.25% Net 1.0021.00417 2.00707.02057 3.01335.05246 4.02138.08818 5.03182.13252 10.10095.2949 15.24182.63336 20.4796 1.3876 Company Lincoln National Life Insurance Company Telephone 860-466-1759 E-Mail heidi.st.jean@lfd.com Product Name Lincoln LifeGuarantee SUL / Universal Amount of last survivor plans 3 5 $38,115 $1,000,000 10 $76,230 $1,000,000 15 $114,345 $1,000,000 20 $152,460 $1,000,000 25 $190,575 $1,000,000 5 $0 138.51% 10 $23,430 45.28% 15 $54,736 24.52% 20 $78,731 15.84% 25 $49,896 11.20% 5 $64,290 $1,000,000 10 $128580 $1,000,000 15 $192,870 $1,000,000 20 $257,160 $1,000,000 25 $321,450 $1,000,000 5 $308 111.11% 10 $49,068 35.95% 15 $92,176 18.85% 20 $72,341 11.70% 25 $0 7.9% 57 MNS/52 FNS $7,623 57 MNS/52 FNS $12,858 57 MNS/52 FNS $14,328 67 MNS/62 FNS $21,916 Current Interest/Dividend Interest Rate 3% Gross 1 1 2 2 3 12 3 6 31 4 12 63 5 21 109 10 132 586 15 880 4,504 20 3,950 19,999 Reinsurance retention amount $5,000,000 Commission Info: MNS 57/FNS 52 75 Commission Info: MNS 67/FNS 62 75 6 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
Company Massachusetts Mutual Life Insurance Company Telephone 860-562-3623 E-Mail sroux@massmutual.com Product Name SUL Guard (SM) / Universal States Available/Unavailable Unavailable in VI Guam PR 5 $37,200 $1,000,000 10 $74,400 $1,000,000 15 $111,600 $1,000,000 20 $148,800 $1,000,000 25 $186,000 $1,000,000 5 $0 139.84% 10 $4,643 45.72% 15 $6,764 24.79% 20 $0 16.03% 25 $0 11.35% 5 $61,350 $1,000,000 10 $122,700 $1,000,000 15 $184,050 $1,000,000 20 $245,400 $1,000,000 25 $306,750 $1,000,000 5 $8,904 113.46% 10 $26,835 36.78% 15 $1,420 19.36% 20 $0 12.08% 25 $0 8.20% 57 MNS/52 FNS $6,603 57 MNS/52 FNS $10,894 57 MNS/52 FNS 67 MNS/62 FNS Current Interest/Dividend Interest Rate 3.90% Net 1 2 3 4 5 10 15 20 Company Metropolitan Life Insurance Company Telephone 617-578-4323 E-Mail kzukiewicz@metlife.com Product Name Legacy Advantage SUL / Universal States Available/Unavailable Unavailable in VI Guam PR 5 $38,790 $1,000,000 10 $77,580 $1,000,000 15 $116,370 $1,000,000 20 $155,160 $1,000,000 25 $193,950 $1,000,000 5 $19,865 137.55% 10 $73,923 44.96% 15 $134,405 24.33% 20 $201,983 15.71% 25 $286,173 11.09% 5 $68,300 $1,000,000 10 $136,600 $1,000,000 15 $204,900 $1,000,000 20 $273,200 $1,000,000 25 $341,500 $1,000,000 5 $41,375 108.10% 10 $132,896 34.88% 15 $232,298 18.19% 20 $330,549 11.22% 25 $424,644 7.51% 57 MNS/52 FNS $6693 57 MNS/52 FNS $10674 57 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 1 23 30 2 31 34 3 33 46 4 36 67 5 40 104 10 140 670 15 390 2272 20 992 7005 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
Company Nationwide Financial Telephone 614-249-9149 E-Mail cookt3@nationwide.com Product Name Nationwide YourLife SUL / Universal States Available/Unavailable Unavailable in Guam 5 $39,968 $1,000,000 10 $79,936 $1,000,000 15 $119,904 $1,000,000 20 $159,872 $1,000,000 25 $199,840 $1,000,000 5 $8,547 135.91% 10 $45,877 44.42% 15 $91,948 24.01% 20 $140,195 15.47% 25 $180,813 10.91% 5 $68,304 $1,000,000 10 $136,608 $1,000,000 15 $204,913 $1,000,000 20 $273,217 $1,000,000 25 $341,521 $1,000,000 5 $22,016 108.10% 10 $73,702 34.88% 15 $118,518 18.19% 20 $154,063 11.22% 25 $145,231 7.51% 57 MNS/52 FNS $7,085 57 MNS/52 FNS $11,672 57 MNS/52 FNS $7,085 67 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 515-247-7910 E-Mail wiener.sara@principal.com Product Name SUL Protector / Universal 5 $39,935 $1,002,192 10 $79,871 $1,000,000 15 $119,806 $1,000,000 20 $159,741 $1,000,000 25 $199,677 $1,000,000 5 0 135.96% 10 $27,877 44.44% 15 $77,317 24.02% 20 $130,848 15.48% 25 $174,382 10.91% 5 $68,475 $1,000,000 10 $136,950 $1,000,000 15 $205,426 $1,000,000 20 $273,901 $1,000,000 25 $342,376 $1,000,000 5 $19,765 107.98% 10 $78,030 34.84% 15 $151,829 18.16% 20 $166,653 11.20% 25 $108,054 7.50% 57 MNS/52 FNS $6,890 57 MNS/52 FNS $11,057 57 MNS/52 FNS $12,467 67 MNS/62 FNS $21,624 Current Interest/Dividend Interest Rate 4.65% Net 1 0.024 0.047 2 0.061 00.138 3 0.112 0.340 4 0.178 0.613 5 0.263 0.974 10 1.112 4.363 15 2.655 13.398 20 3.263 19.923, 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 52 50 MNS 67/FNS 62 50
Company Protective Life www.protective.com Telephone E-Mail Product Name Protective Centennial Survivor G UL / Universal States Available/Unavailable Unavailable in NY Guam PR 5 $33,082 $1,000,000 10 $66,165 $1,000,000 15 $99,247 $1,000,000 20 $132,329 $1,000,000 25 $165,411 $1,000,000 5 $1,334 136.28% 10 $37,816 44.55% 15 $84,541 24.08% 20 $115,418 15.52% 25 $135,644 10.95% 5 $54,835 $1,000,000 10 $109,670 $1,000,000 15 $164,506 $1,000,000 20 $219,341 $1,000,000 25 $274,176 $1,000,000 5 $10,867 109.95% 10 $68,931 35.54% 15 $133,011 18.60% 20 $145,392 11.52% 25 $53,419 7.75% 57 MNS/52 FNS $6,617 57 MNS/52 FNS $10,968 57 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 607-723-3551 E-Mail 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 $1,000,000 10 $75,280 $1,000,000 15 $112,920 $1,000,000 20 $150,560 $1,000,000 25 $188,200 $1,000,000 5 $12,371 139.20% 10 $63,145 45.51% 15 $127,916 24.66% 20 $207,408 15.94% 25 $300,934 11.28% 5 $64,880 $1,000,000 10 $129,760 $1,000,000 15 $194,640 $1,000,000 20 $259,520 $1,000,000 25 $324,400 $1,000,000 5 $26,030 110.66% 10 $110,517 35.79% 15 $217,118 18.75% 20 $338,915 11.63% 25 $338,915 7.84% 57 MNS/52 FNS $18,411 57 MNS/52 FNS $29,380 57 MNS/52 FNS $6,835 67 MNS/62 FNS $12,892 in year 48 (13,047 in year 58) Current Interest/Dividend Interest Rate 4.80% Gross 1 0.010979 0.031881 2 0.044214 0.144127 3 0.088797 0.324938 4 0.138376 0.555446 5 0.188937 0.792420 10 0.244740 0.786389 15 0.572190 1.988469 20 1.569310 7.942336 Reinsurance retention amount $500,000 Commission Info: MNS 57/FNS 52 55 Commission Info: MNS 67/FNS 62 55 N/A Extra Premiums, With evidence of insurability / Accelerated benefit, Individual term, Policy split, Premium waiver, Other: Guaranteed Survivor Income Benefit, ROP Rider
Company Transamerica Life Insurance Company Telephone 213-742-3697 E-Mail cindy.burchell@transamerica.com Product Name TransACE Survivor / Universal States Available/Unavailable Unavailable in NY PR 5 $31,785 $1,000,000 10 $63,570 $1,000,000 15 $95,355 $1,000,000 20 $127,140 $1,000,000 25 $158,925 $1,000,000 5 $3,201 148.65% 10 $42,555 48.58% 15 $89,201 26.49% 20 $139,038 17.26% 25 $193,302 12.32% 5 $53,225 $1,000,000 10 $106,450 $1,000,000 15 $159,675 $1,000,000 20 $212,900 $1,000,000 25 $266,125 $1,000,000 5 $2,398 120.71% 10 $67,972 39.29% 15 $141,752 20.90% 20 $206,233 13.21% 25 $225,526 9.11% 57 MNS/52 FNS $6,357 57 MNS/52 FNS $10,645 57 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 www.westcoastlife.com Telephone E-Mail Product Name Golden Legacy Protector X / Universal States Available/Unavailable Unavailable in NH NY VI Guam PR 5 $33,082 $1,000,000 10 $66,165 $1,000,000 15 $99,247 $1,000,000 20 $132,329 $1,000,000 25 $165,411 $1,000,000 5 $1,334 136.28% 10 $37,816 44.55% 15 $84,541 24.08% 20 $115,418 15.52% 25 $135,644 10.95% 5 $54,835 $1,000,000 10 $109,670 $1,000,000 15 $164,506 $1,000,000 20 $219,341 $1,000,000 25 $274,176 $1,000,000 5 $10,867 109.95% 10 $68,931 35.54% 15 $133,011 18.60% 20 $145,392 11.52% 25 $53,419 7.75% 57 MNS/52 FNS $6617 57 MNS/52 FNS $10968 57 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