UNIVERSAL LIFE PRODUCTS NAME OF PRODUCT

AMERICAN NATIONAL

AMERICAN GENERAL

ISSUE AGE

MIN. FACE

LTG Universal Life

18 - 85

$100,000

Passport Series UL

0 - 80

$25,000

18 - 90(Pref NS, Pref+ NS, SNS) 0 - 90(Pref S, Std. S)

$100,000 Minium

18 - 90(Pref NS, Pref+ S, SNS, Pref S ) 0 - 90(Std. S)

$100,000( Elite UL ) $50,000( Elite UL G )

Contin UL Extend

Elite UL and Elite UL G

18 - 90(Pref NS, Pref+ S, SNS, ) 0 - 90(Pref S, Std. S)

$100,000

Elite Survivor UL and Elite Survivor UL G Platinum Survivor Ultra 500

20 - 90 20 - 90

$250,000 $250,000

Athena UL - LPR

0 - 85

$50,000

Athena UL - DB

0 - 85

$50,000

Platinum Provider Ultra 500

AXA

RIDERS Disability Waiver of Premium Accelerated Death Benefit Disability Waiver of Minimum Premium Children's Term Rider Accidental Death Benefit Guaranteed Increase Option Rider Accidental Death Benefit Children's Insurance Benefit Spouse/Other Insured Rider Terminal Illness Rider Waiver of Monthly Deduction Terminal Illness Rider Waiver of Monthly Guaranteed Premium (N/A Elite ULG) Accidental Death Benefit Children's Insurance Benefit Spouse/Other Insured (N/A Elite ULG) Maturity Extension Terminal Illness Rider Accidental Death Benefit Child Insurance Benefit Waiver of Monthly Deductions Spouse/Other Insured Annually Renewable Term Maturity Extension Riders Annually Renewable Term (N/A SUL) Annually Renewable Term Living Care Rider Loan Extension Endorsement Cash Value Enhancement Rider Children's Term Insurance Option to Purchase Additional Insurance Living Benefits Rider Disabiility Waiver of Monthly Deduction Return of Premium Death Benefit Rider Living Care Rider Loan Extension Endorsement Cash Value Enhancement Rider Children's Term Insurance Option to Purchase Additional Insurance Living Benefits Rider Disabiility Waiver of Monthly Deduction Return of Premium Death Benefit Rider

BANNER

COLUMBUS LIFE

Athena Universal Life II

0 - 80

$50,000

Athena Survivorship Universal Life II

20 - 90

$200,000

Survivor Life UL

20 - 85

$250,000

Lapse Protection Rider Children's Term Insurance Option to Purchase Additional Insurance Disability Waiver of Monthly Deduction Cash Value Enhancement Rider Return of Premium Death Benefit Rider Living Benefits Rider Subsitution of Insured Lapse Protection Rider Return of Premium Death Benefit Rider Cash Value Enhancement Rider Option to Split Upon Divorce Rider Waiver of Excess Deductions Endorsement Estate Protector Rider Option to Split Upon Federal Tax Law Change Rider Living Benefits Rider Partial Surrenders Supplementary Benefits Limitations of Benefits No - Lapse Provisions

Continuity Lifetime UL

20 - 85

$100,000

Lifetime No - Lapse Benefit Rider Waiver of Premium

Advantra UL

20 - 80

$100,000

Voyager UL

0 - 79

$100,000

Explorer Plus UL

0 - 79

$25,000 ( Ages 0 -19 ) $100,000 Preferred

Legacy Survivor UL

GENWORTH LIFE

LifeTime FlexPlus

20 - 79

0 - 90

$250,000

$25,000

Waiver of Premium Other Insured Term Rider Children's Term Rider Disability Credit Rider Insured Insurability Rider Enhanced Cash Value Rider Extended No - Lapse Guarantee Other Insured Term Rider Chidlren's Term Rider Enhanced Cash Value Rider Other Insured Term Rider Extened Coverage Rider Extened Maturity Plus Rider Extened No - Lapse Guarantee Rider

Waiver of Specified Premium Waiver of Monthly Deduction Accidental Death Benefit Children's Term Insurance Accelerated Death Benefit

LifeTime Provider

0 - 90

$100,000

Life Ready UL

0 - 90

$50,000

INDIANAPOLIS LIFE

Crown Solution UL

0 - 85

$25,000

ING

ING Guaranteed Death Benefit UL II

0 - 90

$100,000

Policy Split Estate Tax Repeal Accelerated Death Benefit Waiver of Monthly Deductions Accidental Death Benefit Children's Term Insurance Accelerated Death Benefit Children's Term Rider Family Term Rider Accelerated Death Benefit Rider Waiver of Premium Rider Accelerated Death Benefit Rider Additional Insured Rider Adjustable Term Rider Waiver of Specified Premium Rider

$100,000

Accelerated Death Benefit Rider Additional Insured Rider Adjustable Term Rider Waiver of Specified Premium Rider

$50,000

Accelerated Death Benefit Rider Accidental Death Benefit Rider Additional Insured Rider Children's Insurance Rider Waiver of Monthly Deduction Rider

$100,000

Adjustable Term Rider OverLoan Lapse Protection Rider Waiver of Specified Premium Rider Waiver of Insurance Cost Rider

$50,000

Adjustable Term Rider OverLoan Lapse Protection Rider Waiver of Specified Premium Rider

0 - 90

$50,000

Accelerated Death Benefit Rider Additional Insured Rider Waiver of Monthly Deduction Rider Term Insurance Rider Continuation of Coverage - Full Death Benefit Rider OverLoan Lapse Protection Rider VUL Conversion Endorsement Waiver of Specified Premium Rider

18 - 80

$50,000

Accelerated Death Benefit Rider Conversion Rider

ING LifeDesign Guarantee UL

ING Protector UL

ING Strategic Accum UL

ING Explorer

ING Capital Accum UL

ING Capital Plus UL

0 - 85

0 - 90

15 - 90

0 - 85

ING Guaranteed Premium SUL

ING Explorer SUL

ING Strategic Accum SUL

ING Asset Leverage

JOHN HANCOCK

Protection UL-G

Performance UL

Accumulation UL

20 - 90

0 - 90

0 - 90

18 - 85

0 - 90

0 - 90

0 - 90

$250,000

Policy Split Option Rider Estate Protection Rider Other Insured Rider

$500,000

Accelerated Death Benefit Rider Adjustable Term Rider Waiver of Surrender Charge Rider OverLoan Lapse Protection Rider Single Life Term Rider Split Option Rider

$250,00

Single Life Term Rider Scheduled Increase Guide for the Adjustable Term Rider VUL Conversion Rider Accelerated Death Benefit Rider Adjustable Term Rider OverLoan Lapse Protection Rider

$100,000

Accelerated Benefit Rider Adjustable Term Rider Waiver of Specified Premium Rider Waiver of Insurance Cost Rider

$100,000

LifeCare Benefit(Accelerated Death Benefit to help pay for long care expenses) Disability Payment of Specified Premium Accelerated Death Benefit Return of Premium

$100,000

LifeCare Benefit(Accelerated Death Benefit to help pay for long care expenses) Waiver of Monthly Deductions Accelerated Death Benefit Cash Value Enhancement Return of Premium

$100,000

LifeCare Benefit(Accelerated Death Benefit to help pay for long care expenses) Waiver of Monthly Deductions Accelerated Death Benefit Cash Value Enhancement Return of Premium Overloan Protection Change of Life Insured

Protection SUL - G

20 - 90

$250,000

Performance SUL

20 - 90

$250,000

LINCOLN BENEFIT LIFE Legacy Secure UL

18 - 85

$100,000 (Ages 18 - 60) $50,000 (Ages 61+)

Ultra Plus

18 - 90

$50,000 (Ages 0 - 60) $25,000 (Ages 61+ )

Legacy Secure SL

30 - 90

$250,000

Lincoln LifeGuarantee UL

20 - 90

$100,000 ($25,000 Guaranteed Issue)

Lincoln LifeGuarantee UL Plus

20 - 90

$100,000 ($25,000 Guaranteed Issue)

Lincoln LifeGuarantee SUL

20 - 90

$100,000

LINCOLN FINANCIAL

Disability Payment of Specified Premium Estate Preservation Policy Split Option Return of Premium Estate Preservation Cash Value Enhancement Policy Split Option Return of Premium Accelerated Death Benefit Rider - Terminal Illness Accelerated Death Benefit Rider - Permanent Confinement Accidental Death Benefit Rider Children's Level Term Rider Continuation of Premium Rider Coverage Protection Rider Fullsurrender Charge Adjustment Rider Liquidity Guarantee Rider Accelerated Death Benefit Rider - Terminal Illness Accelerated Death Benefit Rider - Permanent Confinement Accidental Death Benefit Rider Additional Insured Rider Children's Level Term Rider Continuation of Premium Rider Fullsurrender Charge Adjustment Rider Prime Term Rider Coverage Protection Rider Estate Liquidity Rider Policy Split Exchange Rider Last Survivor Four - Year Term Insurance Rider Full Surrender Charge Adjustment Rider Minimum Death Benefit Accidental Death Children's Term Guaranteed Insurability Spouse Term Disability Waiver Accelerated Benefit Minimum Death Benefit Accidental Death Children's Term Guaranteed Insurability Spouse Term Disability Waiver Accelerated Benefit Minimum Death Benefit Estate Protection Policy Split Option Federal Split Option Federal Estate Tax Repeal Accelerated Death Benefit Disability Waiver

METLIFE

MUTUAL OF OMAHA

Lincoln LifeCurrent UL

15 - 85

Lincoln LifeCurrent SUL

0 - 85

Lincoln LifeReserve UL

0 - 85

Lincoln LifeReserve Exec UL

19 -70

Guarantee Advantage UL

0 - 85

Universal Advantage UL

0 - 85

Legacy Advantage SUL

20 - 90

Guaranteed UL Express

18 - 65

Guaranteed UL Complete

18 - 85

Accidental Death Benefit Children's Term Guaranteed Insurability Spouse Term Disability Waiver Accelerated Benefit $100,000 Term on Specified Insured Estate Protection Policy Split Option Federal Estate Tax Repeal Accelerated Death Benefit Disability Waiver $100,000 Supplemental Converage Accidental Death Children's Term Guaranteed Insurability Spouse Term $100,000 Disability Waiver ($25,000 Guaranteed Issue) Accelerated Benefit Accidental Death Children's Term Guaranteed Insurability Spouse Term Disability Waiver $100,000 Accelerated Benefit ($25,000 Guaranteed Issue) Guaranteed Survivor Income Benefit Guaranteed Survivor Plus Purchase Option $50,000 - Std. NS/S, Sub Std., Juv Waiver of Specified Premium $100,000 - Prf. NS/S Long - Term Care Guaranteed Purchase Optioin $250,000 - Elite NS Acceleration of Death Benefit Rider Guaranteed Survivor Income Benefit Guaranteed Survivor Plus Purchase Option Waiver of Specified Premium Long - Term Care Guaranteed Purchase Optioin $50,000 - Std. NS/S, Sub Std., Juv Acceleration of Death Benefit Rider $100,000 - Prf. NS/S Supplemental Coverage Term Rider $250,000 - Elite NS Modified Surrender Rider Guaranteed Survivor Income Benefit Waiver of Specified Premium Long - Term Care Guaranteed Purchase Option Modified Surrender Rider Joint Coverage Continuation Rider Estate Preservation Term Rider Policy Split Option Scheduled Face Increase Option $250,000 Disability Accidental Death Benefit Dependent Children $50,000 to $250,000 Disability Guaranteed Insurability Accidental Death Benefit $100,000 + Dependent Children

NEW YORK LIFE

NORTH AMERICAN

PACIFIC LIFE

Priority Max GUL

18 - 90

Priority Accum UL

0 - 90

New York Life UL Lifetime Guarantee

0 - 90

New York Life SUL Lifetime Guarantee

20 - 90

Custom Extra

15 Days - 90

Disability $500,00 + Accidental Death Benefit $100,000 and below, Only SNT ST Dependent Children Accelerated Benefit Lapse Guard Waiver of Surrender Charges Association Group Disability $50,000 + Spouse's Paid - Up Inusrance Purchase Option Rider Living Benefits Rider Monthly Deduction Waiver Rider Other Covered Insured Rider Insurance Exchange Rider Children's Insurance Rider Accidental Death Benefit $1,000,000 First to Die Rider Estate Protection Rider Living Benefits Rider $1,000,000 Accidental Death Benefit Rider Additional Insured Rider Children's Term Rider Guaranteed Insurabilty Rider $25,000 Level Term Rider (Dbl Death Benefit) $100,000 - Preferred ONLY Waiver of Monthly Deductions

Custom Accumlator

15 Days - 90

$25,000

Custom Guarantee

15 Days - 85

$50,000

20 - 75

$50,000

Versa - Flex VI

Accidental Death Benefit Rider Additional Insured Rider Children's Term Rider Guaranteed Insurabilty Rider Waiver of Monthly Deductions Accidental Death Benefit Rider Additional Insured Rider Children's Term Rider Guaranteed Insurabilty Rider Waiver of Monthly Deductions Accelerated Living Benefit Accidental Death Benefit Annual Renewable Term Rider Annual Renewable Term Rider - Additional Insured Children's Term Disability Benefit Flexible Duration No Lapse Guarantee II Guaranteed Insurability No Lapse Guarantee Owner Waiver of Charges Payor Waiver of Charges Surrender Value of Enchanement Rider Waiver of Charges

PROTECTIVE

PRUDENTIAL

Pacific Estate Preserver III

20 - 90

$1,000

Protective Centennial G UL

18 - 85

$100,000

Protective G UL

0 - 85

$50,000 (NT,TB) $100,000 (SP,PF,PT)

Protective 100

0 - 80

$100,000

Protective ProValue UL

18 - 85

$50,000 ( NT & TB) $100,000 ( Others )

Protective Custom UL

18 - 85

$10,000 ( 36 - 85 ) $25,000 ( 0 - 35 ) $25,001 ( In WA & WV )

Protective Survivor Select UL III

0 - 85

$250,000

0-90

0 - 75 $50,000 76 - 80 $100,000 81- 90 $250,000

PruLife Universal Protector (Individual UL)

Accelerated Living Benefit Annual Renewable Term Rider Annual Renewable Term Rider - Last Survivor Conversion Enhanced Policy Split Estate Presevation Flexible Duration No - Lapse Guarantee No - Lapse Guarantee Policy Split Option NO Lapse Guarantee Surrender Value Enhancement Rider Accidental Death Benefit Rider Children's Term Rider Covered Insured Rider Death Benefitplus Rider Disability Benefit Rider Guaranteed Insurability Riders Protected Insurability Rider Accidental Death Benefit Rider Children's Term Rider Covered Insured Rider Disability Benefit Rider Guaranteed Insurability Riders Protected Insurability Rider Accidental Death Benefit Rider Children's Term Rider Disability Benefit Rider Guaranteed Insurability Riders Protected Insurability Rider Accidental Death Benefit Rider Children's Term Rider Disability Benefit Rider Protected Insurability Rider Accidental Death Benefit Rider Children's Term Rider Covered Insured Rider Death Benefitplus Rider Disability Benefit Rider Guaranteed Insurability Riders Protected Insurability Rider Estate Protection Endorsement Estate Tax Repeal Endorsement Policy Split Option Terminal Illness/Accelerated Death Benefit Waiver of monthly deductions Living needs benefit Childrens level term rider Accidental death benefit

SUN LIFE

TRANSAMERICA

0 - 75 $25,000 76 - 80 $100,000 81 - 90 $250,000

PruLife Universal Plus (Individual UL)

0-90 0-85 ( Type C)

PruLife SUL Protector (Survivorship UL)

18 - 90 Maxium age Difference between inusred #1 and #2 is 25 years

$250,000

Sun Universal Protection Plus

18 - 85

$100,000

Sun Survivorship UL

18 - 85

$250,000

Sun Universal Protection

18 - 85

$100,000

TransACE

16 - 89

$25,000 $100,000 Select NS

TransACE Survivor

16 - 89

$250,000 Base Coverage $25,000 Estate Protection Rider

Enchanced Disability Benefit Living Needs Benefit Children's Level Term Rider Accidental Death Benefit Enchanced Cash value Rider Waiver of Surrender Charge Edorsement for Estate Tax Repeal Guaranteed Policy Split Rider Estate Protection Rider Long Term Care Rider Accelerated Benefit Rider Charitable Giving Benefit Rider Assist America Surrender Charge Modification Endorsement Supplemental Insurance Rider Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Charitable Giving Benefit Rider Estate Preservation Rider Policy Split Option Accelerated Benefits Rider Accidental Death Benefit Rider Charitable Giving Benefit Rider Exchange of Insured Rider Payment of Stipulated Premium Amount Rider Waiver of Monthly Deductions Rider No-Lapse Guarantee Endorsement Premium Qualification Credit Waiver of Provisions Rider Accident Indemnity Rider Children's Insurance Rider Guaranteed Insurability Rider Accelerated Death Benefits Full Policy Surrender Penalty Waiver Insured Exchange Option Premium Security Option Surrender Penalty Deferral Endorsement Level Death Benefit and Plus-Premium Death Benefit Option No - Lapse Guarantee Endorsement Plus - Premium Death Benefit Option Five - Year Cyrrent MD Rate Guarantee Premium Qualification Credit Estate Protection Rider Accelerated Death Benefits Full Policy Surrender Penalty Waiver Guaranteed Policy Split Option Basic Policy Split Option Sunset Optioin Edorsement Surrender Penalty Deferral Endorsement Automatic Premium Loan

16 - 89

$25,000 $100,000 Select NS

TransULTRA LP 2006

16 - 89

$25,000 $100,000 Select NS

TransUTRA Plus 2006

16 - 89

$100,000

0 - 85

$50,000 NT & T $100,000 P+,P &PT $250,000

TransULTRA

UNION CENTRAL

Excel Protector

Excel Provider

0 - 80

$50,000 NT & T $100,000 P+,P &PT

Excel Survivor

20 - 85

$100,000

Accelerated Death Benefit Option Automatic Premium Loan Full Policy Surrender Penalty Waiver Insured Exchange Option Option for Additional Insurance Premium Security Option Surrender Annuity Option Surrender Penalty Deferral Endorsement Current Interest Rate Banding Accelerated Death Benefit Option Automatic Premium Loan Full Policy Surrender Penalty Waiver Insured Exchange Option Option for Additional Insurance Premium Security Option Surrender Annuity Option Surrender Penalty Deferral Endorsement Consistent Premium Payment Credit in Policy Years 16+ Accelerated Death Benefit Option Automatic Premium Loan Full Policy Surrender Penalty Waiver Insured Exchange Option Option for Additional Insurance Premium Security Option Surrender Annuity Option Surrender Penalty Deferral Endorsement Current Interest Rate Banding Accelerated Benefit Accidental Death Accounting Benefit Children's Insurance Guaranteed Insurability Scheduled Increase Supplemental Coverage Term for Other Insured Total Disability Waiver of Monthly Deductions Accelerated Benefit Accidental Death Children's Insurance Insurance Exchange Total Disabilty Estate Protection Maturity Extension One - Year Term Policy Split Option Scheduled Increase Waiver of Monthly Deductions

WEST COAST LIFE

Flex Account Ultra

0 - 90

$25,000 $100,0000

LifeTime Advantage

0 - 85

Standard: $25,000 Others: $50,000

LifeTime Platinum

18 - 85

$100,000

Golden Legacy Term

25 - 85

$250,000

Golden Legacy Protector

25 - 85

$250,000

Accelerated Benefit Accidental Death Children's Insurance Guaranteed Death Benefit Guaranteed Insurability Legacy Asset Term Coverage Term for Other Insured Total Disability Accelerated Death Benefit Accidental Death Benefit Waiver of Premium/Monthly Deduction Children's Insurance Accelerated Death Benefit Accidental Death Benefit Waiver of Premium/Monthly Deduction Children's Insurance Split Option w/o Evidence of Insurabilty Split Option w/ Evidence of Insurabilty Accelerated Death Benefit Estate Protection Last Survivor 4-Year Term Laps Protector Split Option w/o Evidence of Insurabilty Split Option w/ Evidence of Insurabilty