Comparison Matrix - 30/30

T1-L2-P30

Comparison Matrix

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PRODUCTS --> Traditional Whole Life Term Universal Life Traditional Variable Life Variable Universal Life
Death Benefit Fixed & Level Fixed & Level Adjustable Level or Increasing Options Varies with Investment Performance Adjustable Level or Variable Options
Premiums Fixed Schedule, Level Amount Fixed Schedule, Increasing Amount Flexible Schedule, Flexible Amount Fixed Schedule, Level Amount Flexible Schedule, Flexible Amount
Cash Values Fixed & Guaranteed None Current Interest Rate w/Minimum Guaranteed Varies with Separate Accounts Performance Varies with Mutual Funds Performance
Who Risks Loss Insurance Co. Both Insurance Co. Policy Owner Policy Owner
Mortality Rates Fixed & Guaranteed Fixed & Guaranteed Current w/Guaranteed Maximum Fixed & Guaranteed Current w/Guaranteed Maximum
Regulated As Insurance Insurance Insurance Insurance & Security Insurance & Security