Current Interest Rate. Guar. Interest Rate. Cash Value Test Used
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1 A B C D E F G H I J Survivorship Universal Life Insurance Illustrated Values (on 05/01/12) Male Age 65/Female Age 60; Both Best NS* Class; $1,000,000; $20,000 Annual Premium Level Death Benefit Policies in this chart vary widely by objective. Included are those not designed to generate significant cash values, but instead guaranteed minimum premiums. Some of these policies are indexed to external indices. Please see the footnotes and Specification section for details. Company Policy Traditional Universal Life Policies Interest Rate Guar. Interest Rate Cash Value Test Used Accum Value Year 10 Cash Value Year 10 Accum Value Year 20 Accum Value Ameritas Life Excel LifeValue SUL 4.80% 3.00% CVAT 227, , ,671 1,145, % AXA Equitable Life Athena SUL III 3.75% 2.00% CVAT 208, , , , % Cincinnati Life LifeHorizons Survivor UL 4.00% 3.00% N/R 112,097 89, , ,802 N/A Guardian Life EstateGuard SUL 4.80% 3.50% CVAT 223, , ,912 1,016, % ING "Security Life of Denver" ING SUL-GDB 4.05% 3.00% CVAT 184, , ,611 22,278 N/A John Hancock Life Protection SUL 5.20% 2.50% CVAT 187, , , , % John Hancock Life SUL-G 4.75% 3.00% CVAT* 187, , , , % Lincoln Benefit Life Legacy Secure SL (2008) 3.15% 3.00% GLPT 185, , , , % Massachusetts Mutual Life SUL Guard(SM) 3.00% 3.00% N/A N/A* N/A* N/A* N/A* N/A* MetLife Legacy Advantage SUL 5.25% 2.00% N/A 76,363 66, , ,735 N/A Minnesota Life Legacy Protector 3.00% 2.00% N/R 175, , , , % Nationwide Life Nationwide YourLife NLG SUL II 3.00% 3.00% GLPT 134, , , ,324 N/A New York Life Survivorship Universal Life 4.55% 2.50% CVAT 199, , , , % Northwestern Mutual Life Survivorship Universal Life 5.40%* 4.00%* GLPT 222, , ,353 1,224, % Pacific Life Pacific Estate Preserver III 5.20% 3.00% N/R 210, , ,719 1,222, % Principal Life Survivorship UL Protector 3.65% 3.00% CVAT 167, , , , % Protective Life Centennial Survivor G 4.00% 2.50% GLPT 175, , , , % Prudential Financial Life PruLife SUL Protector 4.10% 2.00% N/R 163, , , , % Security Mutual Life of NY Survivorship UL 4.70% 3.00% N/R 213, , ,830 1,195, % State Farm Life Survivorship Universal Life 4.25% 3.00% GLPT 231, , ,451 1,143, % Transamerica Life TransACE Survivor % 4.00% N/R 186, , , , % United of Omaha Life Guaranteed UL Survivor 3.00% 3.00% GLPT 159, , , ,776 N/A Indexed Universal Life Policies Allianz Life of North America Gen Dex Survivor 8.50% 2.00% N/R 257, , ,890 2,144, % American General Life Elite Survivor Index 6.47% 1.00% GLPT 209, , ,916 1,455, % IRR Accum Value
2 A B C D E F G H I J Aviva Life & Annuity Survivorship Builder 7.15% 2.00% GLPT 255, , ,933 2,029, % Aviva Life & Annuity of NY Survivorship Builder 7.15% 2.00% GLPT 255, , ,933 2,029, % Midland National Life Legacy Guaranteed SIUL 8.50% 3.00% GLPT 263, , ,212 2,336, % Minnesota Life Eclipse Survivor 8.43% 3.00% GLPT 235, , ,396 2,059, % North American Life Survivorship GIUL 8.50% 3.00% GLPT 263, , ,212 2,336, % Pacific Life Indexed Pacific Estate Preserver 7.00% 0.00% N/R 217, , ,615 1,586, % Penn Mutual Life Survivorship Plus IUL 7.93% 2.00% CVAT 248, , ,973 1,810, % Company Policy Traditional Universal Life Policies Accum Age 100^^ Death Age 100^^ Min Premium to Endow Minimum Premium Carry to Maturity To Age Target Prem 10- Pay Premium Max Period for DB/Premium Guarantees^^ Ameritas Life Excel LifeValue SUL 1,834,885 1,908,280 12,554 12, ,010 27, years AXA Equitable Life Athena SUL III 1,118,995 1,276,773 16,733 13, ,683 31,750 None Cincinnati Life LifeHorizons Survivor UL 206,495 1,000,000 20,076 16, ,296 42,324 Age 121 Guardian Life EstateGuard SUL 1,773,007 1,834,000 11,680 10, ,840 22,510 None ING "Security Life of Denver" ING SUL-GDB 0 1,000,000 25,454 25, ,300 50,044 Lifetime John Hancock Life Protection SUL 1,931,764 1,934,271 8,985 8, ,080 17,389 Age 87 John Hancock Life SUL-G 1,474,522 1,474,522 12,748 12, ,660 22,575 Lifetime Lincoln Benefit Life Legacy Secure SL (2008) 1,096,138 1,107,099 18,620 10, ,617 23,774 Lifetime Massachusetts Mutual Life SUL Guard(SM) N/A* N/A* N/A* N/A* N/A* N/A* N/A* Lifetime MetLife Legacy Advantage SUL 0 1,000,000 N/A N/A 120 9,644 N/A Age 121 Minnesota Life Legacy Protector 300,358 1,000,000 21,706 21, ,780 21,165 Lifetime Nationwide Life Nationwide YourLife NLG SUL II 0 1,000,000 N/A N/A ,100 23,568 Lifetime New York Life Survivorship Universal Life 1,679,434 1,746,611 11,391 14, ,250 30, years Northwestern Mutual Life Survivorship Universal Life 2,307,465 2,307,464 12,706 12, ,540 28,707* 3 years Pacific Life Pacific Estate Preserver III 2,497,433 2,522,407 12,385 12, ,285 25,009 N/R Principal Life Survivorship UL Protector 0 1,000,000 22,075 22, ,903 48,304 Lifetime Protective Life Centennial Survivor G 0 1,000,000 22,513 N/A ,271 N/A Lifetime Prudential Financial Life PruLife SUL Protector 826,665 1,000,000 19,797 19, ,070 44,383 Lifetime Security Mutual Life of NY Survivorship UL 1,903,785 2,143,043 12,128 12, ,563 25,695 5 years State Farm Life Survivorship Universal Life 2,038,932 2,038,932 13,965 13, N/R 25,101 5 years Transamerica Life TransACE Survivor ,340,090 1,393,694 16,399 10, ,270 23,924 Lifetime United of Omaha Life Guaranteed UL Survivor 146,878 1,000,000 N/A N/A N/A 11,856 N/A Age 120 Indexed Universal Life Policies
3 A B C D E F G H I J Allianz Life of North America Gen Dex Survivor 4,971,663 4,971,663 10,967 10, ,164 13, years American General Life Elite Survivor Index 2,964,848 2,964,848 10,152 10, ,860 19, years Aviva Life & Annuity Survivorship Builder 4,436,750 4,525,485 7,613 7, ,700 13,609 Age 121 Aviva Life & Annuity of NY Survivorship Builder 4,436,750 4,525,485 7,613 7, ,700 13, years Midland National Life Legacy Guaranteed SIUL 5,890,032 5,890,033 8,596 8, ,180 13,422 Age 120 Minnesota Life Eclipse Survivor 5,310,041 5,310,041 9,941 9, ,800 N/A None North American Life Survivorship GIUL 5,890,032 5,890,033 8,596 8, ,180 13,422 Age 120 Pacific Life Indexed Pacific Estate Preserver 3,355,071 3,388,622 10,179 10, ,455 18,654 Age 90 Penn Mutual Life Survivorship Plus IUL 3,583,651 3,709,337 9,834 9, ,780 15,527 Age 121 *Class represents at least 15% of policies issued. Data 05/1/12. ^^Values Age of Younger Insured. Illustration Footnote & Clarification American General Life Elite Global Survivor This is a Fixed or Indexed Policy; Illustrations not included as the product were designed to be funded at t rate: 8.53% (5 Year Indexed); 6.95% (1 Year Indexed); 3.00% (Fixed). American General Life Elite Survivor Index This is an Indexed Universal Life policy. Illustrated with Indexed with Cap 6.47%; 1.00%, guaranteed. All t Ameritas Life Excel LifeValue SUL Preferred Plus Nontobacco, Standard Nontobacco; CVAT used for Level, 10 Pay. Aviva Life & Annuity Survivorship Builder This is an indexed SUL policy. Illustrated at 7.15% but current rates are as high as 7.65% Aviva Life & Annuity of NY Survivorship Builder This is an indexed SUL policy. Illustrated at 7.15% but current rates are as high as 7.65% Guardian Life EstateGuard SUL Premium paying period and the age for endowing or carrying the policy are based on the younger insureds Lincoln National Life Lincoln LifeGuaranteeSUL 2012 Policy does not illustrate current values. Massachusetts Mutual Life SUL Guard(SM) Annual premium required to guarantee policy face amount for lifetime is paid to the younger insured age 1 Lifetime guaranteed premium assumes all premium is paid into the GDB Premium Account (GDB PA). MetLife Legacy Advantage SUL Unable to provide solves. Policy has Joint Coverage Continuation Rider. Can not changed death benefit o Midland National Life Legacy Guaranteed SIUL Stated premium doesnt carry policy to age 100. This is an Indexed Universal Life policy. North American Life Survivorship GIUL Stated premium doesnt carry policy to age 100. This is an Indexed Universal Life policy. Northwestern Mutual Life Survivorship Universal Life Excess premium above the Tier 1 maximum annual payment initially receives Tier 2 rate of 4.05%; Tier 2 Guaranteed rate: 4.00% (years 1-15); 3.00% (years 16+) Illustrations are 100% base amount, 0% supplem Best Class Nonsmoker illustrations use our Premier Nontobacco class. Standard Nonsmoker illustrations Pacific Life Pacific Estate Preserver III All ran with 50% base and 50% LSART, all base premiums would be higher Pacific Life Indexed Pacific Estate Preserver All ran with 50% base and 50% LSART, all base premiums would be higher Penn Mutual Life Survivorship Plus IUL This is an Indexed or fixed Universal Life policy. Protective Life Centennial Survivor G Ten pays violate guidelines and are not available for solves based on current values. State Farm Life Survivorship Universal Life IRS limits premiums payable beginning in year 48. Transamerica Life TransACE Survivor 2010 Minimum Annual Premium needed to carry the policy on a current basis scenarios were run on a guarante All scenarios were run to age 111.
4 K L M N O P Death Benefit IRR DB 1,416, % 1,087, % 1,329, % 1,838, % N/A* N/A* 1,228, % 1,285, % 1,283, % 1,476, % 1,200, % 1,054, % 2,251, % 1,528, %
5 K L M N O P 2,131, % 2,131, % 2,453, % 2,162, % 2,453, % 1,665, % 2,214, % Premium Req Max DB/Prem Guarantee Increasing DB Year 30 IRR Curr Increasing DB 5,173 1,991, % N/A 1,689, % 11,296 N/A N/A N/A 1,678, % 10,345 8,977 1,876, % 12,748 1,548, % 10,300 1,434, % 10,651 N/A* N/A* 9,833 N/A N/A 10,107 1,334, % 10,103 N/A N/A 4,404 1,787, % 280 1,877, % N/A 935, % 9,902 1,198, % 12,271 N/A N/A 9,337 N/A N/A 4,674 2,031, % 7,320 1,792, % 10,719 N/A N/A 9,880 N/A N/A
6 option K L M N O P 10,967 2,694, % 7,680 2,290, % 9,914 2,800, % 23,966 2,800, % 9,958 2,896, % N/A 2,590, % 9,958 2,896, % 9,248 2,213, % 9,915 2,482, % he 7-pay level. ests run using GLPT; NY version has different surrender charges. s age 121. funds gradually transfer to Tier 1; 5.40%* (Tier 1), 4.05% (Tier 2). 108mental amount. 109s use our Preferred Nontobacco class eed basis using the Assured Coverage Endorsement as it is significantly less. 116
Level DB Current Accum Value Year 5. Guaranteed Crediting Rate
Indexed Universal Life Policy Illustrated Values $250,000 Male Age 55/Standard NS Class^/; $6,500 Annual Premium As of July 1 2012; In Most States These illustrations were requested using indexing options
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ompany Product AG Secure Survivor GUL II Excel LifeValue SUL Athena SUL IV lassifications Preferred Plus NT Standard n Tobacco Standard Tobacco Ages 20-80 Ages 20-90 Preferred n Tobacco Preferred Plus
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