Full Disclosure survivorship life report

National Underwriter Life & Health, September, 2004 by Roger L. Blease

THE EXCERPTS IN THIS REPORT FOCUS on illustrated values for whole, universal, and variable life survivorship products from the leading companies in the market. And while these charts are only slices of the Full Disclosure database, they will give you an idea of how these products perform on a prospective basis.

An additional component in the latest edition of Full Disclosure is low-cost long-term guarantees of premiums and death benefits in flexible premium policies. A portion of our findings is included here as a table for leading universal life policies providing a minimum annual premium to age 100 or beyond with little or no cash value at maturity.

The new chart (see page 46) is based on two standard nontobacco insureds at various age combinations....