Level DB Current Accum Value Year 5. Guaranteed Crediting Rate
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1 Indexed Universal Life Policy Illustrated Values $250,000 Male Age 55/Standard NS Class^/; $6,500 Annual Premium As of July ; In Most States These illustrations were requested using indexing options and crediting methods reflecting how the policies are most often sold. Crediting method and index used is in the final column. There are two sections of this chart; scroll down for more. Company Policy Indexed Crediting Rate Utilized Guaranteed Crediting Rate Accum Value Year 5 CV (net) Year 5 Accum Value Year 30 Accum Value IRR Accum Year 40 Level Death Benefit Increasing DB Allianz Life of NorthAmerica Life Pro+ 8.78% 2.00% 21,804 14, ,205 1,375, % 1,389, ,401 American General Life AG Choice Index GUL 8.69% 1.00%* 21,475 14, ,733 1,323, % 1,336, ,285 American General Life Elite Global Plus 9.33% 3.00% N/A* N/A* N/A* N/A* N/A* N/A* N/A* American General Life Elite Index 6.47% 1.00%* 23,260 16, , , % 878, ,431 Ameritas Life Excel Index UL 6.55% 2.00% 23,418 16, , , % 792, ,764 Ameritas Life Excel Plus Index UL 7.50% 0.00%* 27,091 19, , , % 988, ,320 Aviva Life Advantage Builder IV 7.15% 2.00% 15,390 9, , , % 250, ,897 Aviva Life Lifetime Builder III 8.40% 2.00% 22,922 15, ,537 1,410, % 1,438, ,234 Aviva Life of NY Empire Solution III 7.15% 2.00% 29,952 24, ,700 1,065, % 1,065, ,949 Aviva Life of NY Life Builder III 8.40% 2.00% 22,990 15, ,488 1,383, % 1,411, ,066 AXA Equitable Life Athena Indexed UL, Series % 2.00% 26,080 18, , , % 938, ,717 Fidelity & Guaranty Life FG Life-Choice 7.40% 0.00% 24,893 16, , , % 883,999 0 Fidelity & Guaranty Life FG Life-Elite 7.40% 0.00% 19,730 13, , , % 774,811 0 ING "Security Life of Denver" ING IUL-Global Plus 10.00% 2.00% 18,389 15, ,826 1,364, % 1,521,024 1,107,964 ING "Security Life of Denver" ING IUL-GDB 7.66% 1.00% 19,983 12, , , % 950, ,941 John Hancock Life Indexed UL 7.79% 0.00%* 21,894 16, , , % 1,087, ,041 Lincoln Benefit Life Ultra Index 7.00% 2.00% 29,822 20, ,732 1,009, % 1,019, ,082 Lincoln National Life Lincoln LifeReserve IUL Accumulator 8.22% 1.00%* 15,079 5, ,235 1,142, % 1,154, ,336 Lincoln National Life Lincoln LifeReserve IUL Protector 7.75% 1.00%* 25,708 19, , , % 962, ,282 Midland National Life XL-DB2 8.30% 3.00% 28,297 20, ,705 1,583, % 1,599,343 1,141,543 Midland National Life XL-CV4 8.70% 3.00% 24,435 15, ,514 1,472, % 1,487, ,398 Midland National Life XL-EC3 8.30% 3.00% 28,695 28, ,195 1,343, % 1,356, ,086 Minnesota Life Eclipse Indexed Life 8.63% 3.00% 24,994 15, ,766 1,312, % 1,325, ,043 Minnesota Life Eclipse Protector 7.56% 3.00% 29,861 24, ,521 1,115, % 1,927, ,940 Nationwide Life YourLife Indexed Universal Life 7.60% 0.00% 23,781 16, , , % 983, ,525 North American Life Builder IUL 8.30% 3.00% 24,327 15, ,192 1,427, % 1,441, ,762 North American Life Guarantee Builder IUL 8.30% 3.00% 28,297 20, ,705 1,583, % 1,599,343 1,141,543 North American Life Rapid Builder IUL 8.30% 3.00% 28,712 28, ,501 1,349, % 1,362, ,274 Pacific Life Pacific Indexed Accumulator % 0.00%* 23,836 21, ,135 1,044, % 1,055, ,357 Pacific Life Pacific Indexed Performer LT 7.75% 0.00%* 19,233 17, ,680 1,168, % 1,148, ,120 Penn Mutual Life Accumulation Builder II IUL 7.93% 2.00% 26,737 23, ,938 1,278, % 1,290, ,274 Prudential Financial Life PruLife Index Advantage UL 6.83% 2.00% 24,012 21, , , % 776, ,347
2 Company Policy Minimum Premium to Endow In Years Minimum Premium to Endow Thereafter Min Premium to Carry (Min Maturity) In Years Min Premium to Carry Thereafter Endow & Carry Premiums Payable To Age Target Premium Ten- Pay Premium Allianz Life of NorthAmerica Life Pro+ 6, , ,230 6,183 American General Life AG Choice Index GUL 3,412 All years N/A 3,412 All years N/A 121 4,493 5,535 American General Life Elite Global Plus N/A* N/A* N/A* N/A* N/A* N/A* N/A* 0 N/A* American General Life Elite Index 3,589 All years N/A 3,579 All years N/A 121 4,943 6,643 Ameritas Life Excel Index UL 4,571 All years N/A 4,571 All years N/A 121 7,295 8,103 Ameritas Life Excel Plus Index UL 4,215 All years N/A 4,215 All years N/A 121 7,295 7,235 Aviva Life Advantage Builder IV 4,105 All years N/A 4,105 All years N/A 121 3,990 7,106 Aviva Life Lifetime Builder III 4, ,716 4, , ,715 6,310 Aviva Life of NY Empire Solution III 4,059 All years N/A 4,059 All years N/A 121 3,800 6,856 Aviva Life of NY Life Builder III 4, ,947 4, , ,715 6,507 AXA Equitable Life Athena Indexed UL, Series 153 3,454 All years N/A 3,454 All years N/A 121 6,410 6,289 Fidelity & Guaranty Life FG Life-Choice 4, ,872 4, , ,880 N/R Fidelity & Guaranty Life FG Life-Elite 5, ,405 5, , ,830 N/R ING "Security Life of Denver" ING IUL-Global Plus N/A N/A N/A N/A N/A N/A N/A 6,668 N/A ING "Security Life of Denver" ING IUL-GDB 4,137 All years N/A 4,137 All years N/A 121 4,449 7,260 John Hancock Life Indexed UL 3,608 All years N/A 3,608 All years N/A 121 6,500 6,185 Lincoln Benefit Life Ultra Index 3,803 All years N/A 3,799 All years N/A 121 4,403 6,665 Lincoln National Life Lincoln LifeReserve IUL Accumulator 4,183 All years N/A 4,120 All years N/A 100 7,945 6,849 Lincoln National Life Lincoln LifeReserve IUL Protector 3,880 All years N/A 3,782 All years N/A 100 5,375 6,572 Midland National Life XL-DB2 3,278 All years N/A 3,224 All years N/A 100 4,253 5,418 Midland National Life XL-CV4 4,007 All years N/A 3,969 All years N/A 100 7,738 6,414 Midland National Life XL-EC3 4,177 All years N/A 4,144 All years N/A 100 3,405 8,686 Minnesota Life Eclipse Indexed Life 4,278 All years N/A 4,278 All years N/A 120 7,553 8,275 Minnesota Life Eclipse Protector 3,946 All years N/A 3,946 All years N/A 120 4,478 7,677 Nationwide Life YourLife Indexed Universal Life 3,824 All years N/A 3,824 All years N/A 120 6,628 6,840 North American Life Builder IUL 4,037 All years N/A 3,998 All years N/A 100 7,738 6,493 North American Life Guarantee Builder IUL 3,278 All years N/A 3,224 All years N/A 100 4,253 5,418 North American Life Rapid Builder IUL 4,169 All years N/A 4,136 All years N/A 100 3,405 6,672 Pacific Life Pacific Indexed Accumulator 4 3,762 All years N/A 3,762 All years N/A 121 6,500 4,245 Pacific Life Pacific Indexed Performer LT 4,128 All years N/A 4,128 All years N/A 121 6,500 6,556 Penn Mutual Life Accumulation Builder II IUL 3,923 All years N/A 3,887 All years N/A 100 6,625 6,299 Prudential Financial Life PruLife Index Advantage UL 4,068 All years N/A 4,049 All years N/A 121 4,325 7,773 ^ Best issue class representing at least 15% of all policies issued. For cash value test used please see the illustration comparison section of Full Disclosure.
3 Illustration Footnote & Clarification Allianz Life of NorthAmerica Life Pro+ Guideline exceeds minimum premium. American General Life Elite Global Plus Illustration scenarios are not applicable as Elite Global Plus was designed to be funded at the maximum non-mec premium. American General Life AG Choice Index GUL 2.00% (fixed method); 1.00% (cap rate and participation method) American General Life Elite Index 2.00% (fixed method); 1.00% (cap rate and participation method) Ameritas Life Excel Plus Index UL 2.00% (fixed); 0.00% (indexed) Aviva Life Advantage Builder IV NLG rider used for maximum death benefit guarantee only; Wellness rider included. Aviva Life Lifetime Builder III Wellness rider utilized Aviva Life of NY Empire Solution III NLG rider used for maximum period to guarantee death benefit only ING "Security Life of Denver" ING IUL-Global Plus Cannot solve for endowment or minimum cash 121 (based on age). This product is designed for cash accumulation. John Hancock Life Indexed UL 2.50% (fixed); 0.00% (indexed); Standard Plus NS where Standard NS Class were requested. Lincoln National Life Lincoln LifeReserve IUL Accumulator 1.00% up to attained age 100; 3.00% thereafter. Lincoln National Life Lincoln LifeReserve IUL Protector 1.00% up to attained age 100; 3.00% thereafter. Midland National Life XL-EC3 Used Waiver of Surrender Charge Option North American Life Rapid Builder IUL Used Waiver of Surrender Charge Option Pacific Life Pacific Indexed Accumulator % (fixed); 0.00% (indexed) Pacific Life Pacific Indexed Performer LT 2.00% (fixed); 0.00% (indexed)
4 IRR Increasing DB 5.66% 5.72% N/A* 4.44% 2.27% 3.30% 5.44% 5.64% 3.67% 5.22% 4.10% N/A N/A 6.15% 3.30% 4.94% 3.25% 4.11% 4.23% 6.26% 5.46% 4.55% 3.80% 3.60% 4.87% 5.31% 6.26% 4.58% 3.94% 4.71% 4.29% 2.36%
5 Max Age/Year Secondary Guarantee Available Premium for Maximum Secondary Guarantee Indexing Option Rate & Crediting Method Used 10 years 5,423 Blended Annual Point-to-Point Lifetime 4,221 5 year index account; 75/25/0 - S&P 500, Euro Stoxx 50, Hang Seng N/A* N/A* 75/25/0 - S&P 500, Euro Stoxx 50, Hang Seng Lifetime 5,430 S&P 500; 1 Year Point-to-Point with Cap 10 years 2,880 S&P 500; New Money 15 years 2,912 S&P 500 Annual Point-to-Point Capped; New Money Age 121 7,622 S&P 500; One-Year Point-to-Point 28 years 7,239 S&P 500; One-Year Monthly Cap Age 121 3,567 S&P 500; One-Year Point to Point 29 years 7,540 S&P 500; One-Year Monthly Cap 10 years 3,013 Choice S&P 500; 1 Year Point-to-Point 15 years 3,120 S&P 500; 1 Year Point-to-Point 100% PAR 15 years 5,058 S&P 500; 1 Year Point-to-Point 100% PAR 21 years 7,833 EURO STOXX 50, Hang Seng Index, and S&P Year Point-to-Point Lifetime 4,240 S & P years 3,248 S&P 500; Capped Account 10 years 3,033 S&P 500; Level Illustrated rate 10 years N/A S&P years N/A S&P 500 Lifetime 3,870 S&P 500 Annual Point-to-Point 15 years 3,681 S&P 500 Annual Point-to-Point 15 years 1,191 S&P 500 Annual Point-to-Point Lifetime 4,512 Blended Annual Point-to-Point Lifetime 4,467 Blended Annual Point-to-Point Lifetime 4,212 Weighted Multiple Index (S&P 500, DJIA and NASDAQ -100); Monthly Average 15 years 3,681 S&P 500 Annual Point to Point Lifetime 3,870 S&P 500 Annual Point-to-Point 15 years 3,531 S&P 500 Annual Point-to-Point Age 121 5,542 1 Year S&P 500 Point-to-Point Age 121 5,750 1 Year S&P 500 Point-to-Point 20 years 2,916 Annual Point-to-Point 25 years 4,325 S&P 500; Annual Point-to-Point
Current Interest Rate. Guar. Interest Rate. Cash Value Test Used
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 A B C D E F G H I J Survivorship Universal Life Insurance Illustrated Values (on 05/01/12) Male
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