Compare Life Insurance Products

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Compare Life Insurance Products

Focus on

Low Cost

XL-DB (Base Policy)

Market

For clients requiring a cash value accumulation product with a low-cost structure and low face amount. Excellent for single-pay and short-pay cases.

Highlights

  • Potential for high long-term cash value growth
  • Low-cost structure for low premium to carry
  • Interest bonuses on both the fixed and index accounts2
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Overloan Protection Benefit option4
  • Protected Death Benefit option4
  • Accelerated death benefit for critical, chronic and terminal illnesses5

Legacy Guaranteed® SIUL (Base Policy)

Market

Families requiring an inexpensive product for estate planning or wealth transfer – especially if one applicant has poor health.

Highlights

  • A survivorship policy is usually less premium than two separate UL policies.
  • Interest bonuses on both the fixed and index accounts16
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Estate Preservation Rider
  • Survivorship Policy Split Exchange Endorsement
  • Accelerated death benefit for chronic and terminal illnesses5

Market

Ideal for clients requiring affordable long-term coverage with cash value accumulation.

Highlights

  • Low-cost structure for low premium to carry and endow
  • Conditionally guaranteed interest bonus16
  • Guaranteed Net Zero Cost Loans in years 11+3
  • Accelerated death benefit for critical, chronic and terminal illnesses5

Premier Term

Market

Ideal for competitive situations and large cases.

Highlights

  • Offers 10, 15, 20 and 30-year level premium guarantee periods, depending on issue age11
  • $100,000 minimum face amount
  • Accelerated death benefit for terminal illness5
Focus on

Guarantees

XL-DB w/ PGR

Market

Ideal for clients who desire an extended death benefit guarantee with strong potential for cash value accumulation.

Highlights

  • Optional Premium Guarantee Rider extends the No-Lapse Guarantee period to any age up to 1201
  • Interest bonuses on both the fixed and index account2
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Overloan Protection Benefit option4
  • Protected Death Benefit option4
  • Accelerated death benefit for critical, chronic and terminal illnesses5

XL Heritage

Market

Designed for clients who are retired or thinking about retirement, have between $25,000 and $200,000 ($150,000 for Ages 50-59) of liquid assets not needed for retirement or daily needs and are looking for a flexible and simple solution for passing on a portion of their estate to their beneficiaries.

Highlights

  • Guaranteed Death Benefit allowing the potential to leverage assets into a larger death benefit immediately with life insurance that passes to beneficiaries generally tax free.19
  • Simple process. The application and underwriting process is designed to be simple with no blood work and no medical exam required.20 A shortened application and phone call.
  • Accelerated death benefits for chronic and terminal illness are automatically included.
  • Accessibility through a combination of penalty free withdrawals21, policy loans and a return of premium endorsement.22
  • Indexed credits offers potential for death benefit and account values to exceed guarantees.

Essential Guaranteed® UL 4

Market

Ideal for clients looking for affordable long-term guaranteed death benefit protection and are not concerned with cash value accumulation.

Highlights

  • Guarantee the death benefit to any age up to 1201
  • Ability to create a “Prepayment Discount” by paying more premium earlier in the contract, resulting in a lower total paid premium to guarantee the policy
  • Guaranteed exchange privilege allows exchange to accumulation UL products without evidence of insurability and NO surrender charge9
  • Guaranteed Net Zero Cost Loans in years 21+3
  • Accelerated death benefit for critical, chronic and terminal illnesses5

Executive Term

Market

Ideal for the middle income market and clients with upward mobility.

Highlights

  • Competitive conversion features including a Graded Conversion Credit Rider10
  • Guaranteed convertibility without evidence of insurability15
  • Accelerated death benefit for terminal illness5
  • Our top commission term product
Focus on

Early Cash Values

Market

For plans requiring early access to cash value including wealth transfer, longevity planning, and business insurance concepts.

Highlights

  • No Premium Load
  • Waiver of Surrender Charge Option13 with Table Shaving14
  • Return of Premium Death Benefit option
  • Interest bonuses on both the fixed and index accounts17
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Protected Flexibility Rider (Overloan Protection and Protected Death Benefit options)4
  • Accelerated death benefit for critical, chronic and terminal illnesses5

Legacy Guaranteed® SIUL w/ Waiver of Surrender

Market

For clients interested in longevity planning, buy-sell business planning, and/or passing the family business down while equalizing inheritances.

Highlights

  • Waiver of Surrender Charge Option13
  • Return of Premium Death Benefit option
  • Interest bonuses on both the fixed and index accounts16
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Estate Preservation Rider
  • Survivorship Policy Split Exchange Endorsement
  • Accelerated death benefit for chronic and terminal illnesses5

UL-CV w/ Waiver of Surrender and Return of Premium

Market

Clients seeking early cash value accumulation, especially for business insurance plans, protection for outstanding loans and longevity planning.

Highlights

  • Waiver of Surrender Charge Option13 with Table Shaving14
  • Return of Premium Death Benefit option
  • Conditionally guaranteed premium bonus and interest bonus16
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Overloan Protection Benefit option4
  • Accelerated death benefit for critical, chronic and terminal illnesses5
Focus on

Cash Value

Market

Designed for high long-term cash value accumulation potential – especially the retirement planning market. May be appropriate for cases with a high funding level.

Highlights

  • Designed to support higher caps and pars
  • Interest bonuses on both the fixed and index accounts2
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Overloan Protection Benefit option4
  • Protected Death Benefit option4
  • High target premiums
  • Accelerated death benefit for critical, chronic and terminal illnesses5

Legacy Guaranteed® SIUL (Base Policy)

Market

For clients interested in building an estate, wealth transfer, offsetting estate taxes8, and/or equalizing inheritances.

Highlights

  • Interest bonuses on both the fixed and index accounts16
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Estate Preservation Rider
  • Survivorship Policy Split Exchange Endorsement
  • Accelerated death benefit for chronic and terminal illnesses5

UL-CV (Base Policy)

Market

Clients seeking potential for long-term cash value accumulation for retirement planning and similar needs.

Highlights

  • Conditionally guaranteed premium bonus and interest bonus16
  • Guaranteed Net Zero Cost Loans in years 6+3
  • Overloan Protection Benefit option4
  • High target premiums
  • Accelerated death benefit for critical, chronic and terminal illnesses5