Annuity and Life Insurance Product Update - Q2 2013
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COPYRIGHT 2013 CORPORATE INSIGHT, INC. ANNUITY AND LIFE INSURANCE PRODUCT UPDATE SECOND QUARTER 2013 AUTHOR: ANDREW WAY PUBLISHED: AUGUST 2013
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Transcript of Annuity and Life Insurance Product Update - Q2 2013
COPYRIGHT 2013 CORPORATE INSIGHT INC
ANNUITY AND LIFE INSURANCE PRODUCT UPDATE
SECOND QUARTER 2013AUTHOR ANDREW WAY
PUBLISHED AUGUST 2013
TABLE OF CONTENTS
2
Introduction
Annuityo Lincoln Financial Eleven New Funds
o MetLife Shield Level Selector
o Nationwide Destination Architect 20
o Pacific Life Pacific Choice
o Prudential Six New Allocation Portfolios
Life Insurance o AXA Equitable Athena SUL IV
o Genworth Financial Asset Builder IUL
o MetLife Convertible and Renewable Options Rider
o MetLife Promise Whole Life Select
o Pacific Life PremierCare Advantage UL
Corporate Insight Thought Leadership
About Corporate Insight
About the Author
INTRODUCTION
3
INT
RO
DU
CT
ION
4
INT
RO
DU
CT
ION
BACKGROUND
This presentation is based on research from our quarterly Annuity and Life Insurance Product Update series on the Corporate Insight Blog The blog articles review the new product releases from the annuity carriers and life insurers we cover in our Annuity Monitor and Life Insurance Monitor research services
Inside we review the new products introduced in the second quarter of 2013
FIRMS COVEREDIN
TR
OD
UC
TIO
N
Below is a list of the firms we track on a daily basis for our Annuity Monitor and Life Insurance Monitor research services
5
Annuity Monitor Life Insurance Monitor
o Allianz Life
o Aviva
o AXA Equitable
o Fidelity
o ING
o Jackson National
o John Hancock
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Pacific Life
o Prudential
o TIAA-CREF
o Transamerica
o VALIC
o Vanguard
o AXA Equitable
o GenworthFinancial
o John Hancock
o Liberty Mutual
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Northwestern Mutual
o Pacific Life
o Principal Financial
o Prudential
o USAA
ANNUITY PRODUCT UPDATE
6
LINCOLN FINANCIAL ELEVEN NEW INVESTMENT FUNDS
7
AN
NU
ITIE
S
Seven new Lincoln ChoicePlus Assurance fund options and four new American Legacy fund options were introduced in late May
The new investment options seek to reduce exposure to market risks and enable clients to create a more diversified portfolio
The eleven new options are made up of asset allocation options as well as individual asset class options and are managed by several well-known asset managers including BlackRock Dimensional Fidelity and MFS
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
TABLE OF CONTENTS
2
Introduction
Annuityo Lincoln Financial Eleven New Funds
o MetLife Shield Level Selector
o Nationwide Destination Architect 20
o Pacific Life Pacific Choice
o Prudential Six New Allocation Portfolios
Life Insurance o AXA Equitable Athena SUL IV
o Genworth Financial Asset Builder IUL
o MetLife Convertible and Renewable Options Rider
o MetLife Promise Whole Life Select
o Pacific Life PremierCare Advantage UL
Corporate Insight Thought Leadership
About Corporate Insight
About the Author
INTRODUCTION
3
INT
RO
DU
CT
ION
4
INT
RO
DU
CT
ION
BACKGROUND
This presentation is based on research from our quarterly Annuity and Life Insurance Product Update series on the Corporate Insight Blog The blog articles review the new product releases from the annuity carriers and life insurers we cover in our Annuity Monitor and Life Insurance Monitor research services
Inside we review the new products introduced in the second quarter of 2013
FIRMS COVEREDIN
TR
OD
UC
TIO
N
Below is a list of the firms we track on a daily basis for our Annuity Monitor and Life Insurance Monitor research services
5
Annuity Monitor Life Insurance Monitor
o Allianz Life
o Aviva
o AXA Equitable
o Fidelity
o ING
o Jackson National
o John Hancock
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Pacific Life
o Prudential
o TIAA-CREF
o Transamerica
o VALIC
o Vanguard
o AXA Equitable
o GenworthFinancial
o John Hancock
o Liberty Mutual
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Northwestern Mutual
o Pacific Life
o Principal Financial
o Prudential
o USAA
ANNUITY PRODUCT UPDATE
6
LINCOLN FINANCIAL ELEVEN NEW INVESTMENT FUNDS
7
AN
NU
ITIE
S
Seven new Lincoln ChoicePlus Assurance fund options and four new American Legacy fund options were introduced in late May
The new investment options seek to reduce exposure to market risks and enable clients to create a more diversified portfolio
The eleven new options are made up of asset allocation options as well as individual asset class options and are managed by several well-known asset managers including BlackRock Dimensional Fidelity and MFS
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
INTRODUCTION
3
INT
RO
DU
CT
ION
4
INT
RO
DU
CT
ION
BACKGROUND
This presentation is based on research from our quarterly Annuity and Life Insurance Product Update series on the Corporate Insight Blog The blog articles review the new product releases from the annuity carriers and life insurers we cover in our Annuity Monitor and Life Insurance Monitor research services
Inside we review the new products introduced in the second quarter of 2013
FIRMS COVEREDIN
TR
OD
UC
TIO
N
Below is a list of the firms we track on a daily basis for our Annuity Monitor and Life Insurance Monitor research services
5
Annuity Monitor Life Insurance Monitor
o Allianz Life
o Aviva
o AXA Equitable
o Fidelity
o ING
o Jackson National
o John Hancock
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Pacific Life
o Prudential
o TIAA-CREF
o Transamerica
o VALIC
o Vanguard
o AXA Equitable
o GenworthFinancial
o John Hancock
o Liberty Mutual
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Northwestern Mutual
o Pacific Life
o Principal Financial
o Prudential
o USAA
ANNUITY PRODUCT UPDATE
6
LINCOLN FINANCIAL ELEVEN NEW INVESTMENT FUNDS
7
AN
NU
ITIE
S
Seven new Lincoln ChoicePlus Assurance fund options and four new American Legacy fund options were introduced in late May
The new investment options seek to reduce exposure to market risks and enable clients to create a more diversified portfolio
The eleven new options are made up of asset allocation options as well as individual asset class options and are managed by several well-known asset managers including BlackRock Dimensional Fidelity and MFS
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
4
INT
RO
DU
CT
ION
BACKGROUND
This presentation is based on research from our quarterly Annuity and Life Insurance Product Update series on the Corporate Insight Blog The blog articles review the new product releases from the annuity carriers and life insurers we cover in our Annuity Monitor and Life Insurance Monitor research services
Inside we review the new products introduced in the second quarter of 2013
FIRMS COVEREDIN
TR
OD
UC
TIO
N
Below is a list of the firms we track on a daily basis for our Annuity Monitor and Life Insurance Monitor research services
5
Annuity Monitor Life Insurance Monitor
o Allianz Life
o Aviva
o AXA Equitable
o Fidelity
o ING
o Jackson National
o John Hancock
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Pacific Life
o Prudential
o TIAA-CREF
o Transamerica
o VALIC
o Vanguard
o AXA Equitable
o GenworthFinancial
o John Hancock
o Liberty Mutual
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Northwestern Mutual
o Pacific Life
o Principal Financial
o Prudential
o USAA
ANNUITY PRODUCT UPDATE
6
LINCOLN FINANCIAL ELEVEN NEW INVESTMENT FUNDS
7
AN
NU
ITIE
S
Seven new Lincoln ChoicePlus Assurance fund options and four new American Legacy fund options were introduced in late May
The new investment options seek to reduce exposure to market risks and enable clients to create a more diversified portfolio
The eleven new options are made up of asset allocation options as well as individual asset class options and are managed by several well-known asset managers including BlackRock Dimensional Fidelity and MFS
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
FIRMS COVEREDIN
TR
OD
UC
TIO
N
Below is a list of the firms we track on a daily basis for our Annuity Monitor and Life Insurance Monitor research services
5
Annuity Monitor Life Insurance Monitor
o Allianz Life
o Aviva
o AXA Equitable
o Fidelity
o ING
o Jackson National
o John Hancock
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Pacific Life
o Prudential
o TIAA-CREF
o Transamerica
o VALIC
o Vanguard
o AXA Equitable
o GenworthFinancial
o John Hancock
o Liberty Mutual
o Lincoln Financial
o MassMutual
o MetLife
o Nationwide
o New York Life
o Northwestern Mutual
o Pacific Life
o Principal Financial
o Prudential
o USAA
ANNUITY PRODUCT UPDATE
6
LINCOLN FINANCIAL ELEVEN NEW INVESTMENT FUNDS
7
AN
NU
ITIE
S
Seven new Lincoln ChoicePlus Assurance fund options and four new American Legacy fund options were introduced in late May
The new investment options seek to reduce exposure to market risks and enable clients to create a more diversified portfolio
The eleven new options are made up of asset allocation options as well as individual asset class options and are managed by several well-known asset managers including BlackRock Dimensional Fidelity and MFS
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
ANNUITY PRODUCT UPDATE
6
LINCOLN FINANCIAL ELEVEN NEW INVESTMENT FUNDS
7
AN
NU
ITIE
S
Seven new Lincoln ChoicePlus Assurance fund options and four new American Legacy fund options were introduced in late May
The new investment options seek to reduce exposure to market risks and enable clients to create a more diversified portfolio
The eleven new options are made up of asset allocation options as well as individual asset class options and are managed by several well-known asset managers including BlackRock Dimensional Fidelity and MFS
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
LINCOLN FINANCIAL ELEVEN NEW INVESTMENT FUNDS
7
AN
NU
ITIE
S
Seven new Lincoln ChoicePlus Assurance fund options and four new American Legacy fund options were introduced in late May
The new investment options seek to reduce exposure to market risks and enable clients to create a more diversified portfolio
The eleven new options are made up of asset allocation options as well as individual asset class options and are managed by several well-known asset managers including BlackRock Dimensional Fidelity and MFS
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
METLIFE SHIELD LEVEL SELECTOR
8
AN
NU
ITIE
S
Highly customizable annuity allows clients to allocate the purchase payment to a number of Shield Options
Each Shield Option is a combination of a level of protection (Shield Rate) index option term length and either a Maximum Growth Opportunity or Step Rate option
o Shield Rate is the amount of protection realized if index performance is negative at the end of a selected term
o Maximum Growth Opportunity is the max percentage clients can earn for the term Step Rate enables clients to lock in a pre-determined growth
MetLife Advisor Website Promotional Image
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
NATIONWIDE DESTINATION ARCHITECT 20 VARIABLE ANNUITY AND LIFETIME INCOME TRACK BENEFIT RIDER
9
AN
NU
ITIE
S
Both products released in mid-May of 2013
Destination Architect 20 annuity key features
o One-year enhanced death benefit rider
o Spousal Protection Feature (SPF)
o No surrender charges
The Lifetime Income Track rider features guaranteed lifetime income without annuitization
o Annual step-up feature on the income benefit base
o A joint option that allows income payments to continue for the contract ownerrsquos spouse
o Lifetime withdrawal percentages based on the ownerrsquos age and rider duration
o Underlying investment options with a maximum equity exposure of 70 and a minimum equity exposure of 40
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
PACIFIC LIFE PACIFIC CHOICE VARIABLE ANNUITY
New variable product introduced at the beginning of the second quarter of 2013
Key features of the new annuity include
o Three withdrawal charge options
o Optional stepped-up death benefit
o Guaranteed lifetime income choices
Withdrawal charge options include terms of 0 3 or 5 years
10
AN
NU
ITIE
S
Pacific Life Advisor Homepage Image
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
PRUDENTIAL NEW ASSET ALLOCATION PORTFOLIOS
Prudential introduced six new asset allocation portfolios to its line of variable annuity investment choices in late May
The new asset allocation portfolios include
o BlackRock iShares ETF Portfolio
o Defensive Asset Allocation Portfolio
o Franklin Templeton Founding Funds Plus Portfolio
o Goldman Sachs Multi-Asset Portfolio
o Prudential Growth Allocation Portfolio
o RCM World Trends Portfolio
11
AN
NU
ITIE
S
Prudential Advisor Homepage Image
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
LIFE INSURANCE PRODUCT UPDATE
12
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
AXA EQUITABLE ATHENA SUL IV
13
LIF
E I
NS
UR
AN
CE
Replaces Athena SUL III in approved jurisdictions after a 30-day transition period
Offers all same features as Athena SUL III plus a new optional Extended No Lapse Guarantee rider for an additional monthly cost and a five-year No Lapse Guarantee rider for no additional cost
Includes new underwriting classes guaranteed minimum interest rate of 15 surrender charge period of 15 years and is available with a Return of Premium Death Benefit Rider and Cash Value Plus Rider
AXA Equitable Advisor Homepage Image
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
GENWORTH FINANCIAL ASSET BUILDER IUL
14
LIF
E I
NS
UR
AN
CE
First indexed universal life insurance product offered by the firm
Combines a death benefit with tax-deferred cash accumulation and an optional Accelerated Benefit Rider for long-term care
Additional features include
o Five crediting strategies linked to the change of the SampP 500
o Fixed account guaranteed to never be credited with less than 2 protection from market downside with a minimum crediting rate of 0 and a 15-year no-lapse guarantee
The firm also unveiled a new index product-focused sales support microsite The Index Institute in accordance with product release
New Genworth Financial Advisor Homepage Image
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
METLIFE CONVERTIBLE amp RENEWABLE OPTIONS RIDER
15
LIF
E I
NS
UR
AN
CE
Introduced on April 27 2013
Available for sale with the MetLife One Year Term policy
Extends coverage to five years and includes a conversion privilege that can be exercised in years two through five
Includes the MetLife Income Guard that is designed to meet the financial needs of executives and medical professionals
o Offers competitive coverage limits optional riders and definitions of disability that can be attractive to this audience
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
METLIFE PROMISE WHOLE LIFE SELECT
16
LIF
E I
NS
UR
AN
CE
Provides policy owners the option of three product types where they can elect to pay premiums for 10 years 20 years or until age 65
Offers multiple benefit riders including the acceleration of death benefit rider the disability waiver of premium rider and The Enricher
o The Enricher is an optional paid-up additions insurance rider that allows the policyholder to pay additional premiums including premium payment duration to age 100 and a premium load of 5
MetLife Advisor Homepage Image
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
PACIFIC LIFE PREMIERCARE ADVANTAGE UL
Key product features include
o Improved funds available for long-term care expenses
o Money back option (return of premium benefit)
o Tax-free death proceeds to beneficiaries
For those in need of long-term care the policy reimburses customers monthly for the cost of care received and offers a choice of benefit periods (2-8 years) and choice inflation benefit options
o Inflation benefit options enable customers to compound monthly benefits annually by 5 compound 5 simple or 3 simple interest
17
LIF
E I
NS
UR
AN
CE
Pacific Life Advisor Homepage Image
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
CORPORATE INSIGHT THOUGHT LEADERSHIP
18
Optimizing the Online amp Mobile Experience for Retirement Plan Participants
This slide deck features industry best practices and includes five recommendations for DC plan providers looking to improve their Web and mobile offerings
2013 Mobile Finance Trends and Innovations
This study includes commentary on mobile developments key takeaways for financial services firms and thoughts on whatrsquos next for mobile finance
Asset Management and Social Media A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such as LinkedIn Twitter Facebook YouTube and Google+ to connect directly with investors and financial advisors Also available as a slide deck
The Millennial Opportunity Whitepaper
Examines the marketing tactics strategies and online resources leading financial institutions are using to connect with Millennials Also available as a slide deck
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7 Ideas for Financial Services Firms explains how firms can leverage the new features in iOS 7 to make their mobile apps more user-friendly
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nationrsquos leading
financial institutions For over 20 years the firm has tracked technological developments in the financial
services industry identifying best practices in online banking and investing online insurance mobile
finance active trading platforms social media and other emerging areas There are no assumptions in
Corporate Insightrsquos work ndash we use live accounts at all of the firms we research providing our clients with
unparalleled unbiased intelligence on the competition
Corporate Insight welcomes the opportunity to speak with the media If you are interested in citing our
research or would like to schedule an interview with one of our analysts please contact Intermarket
Communications at 212-888-6115 or corporateinsightintermarketcom
Media Inquiries
19
ANDREW WAY
Senior Research Associate Annuity Monitor amp Life Insurance
212-832-2002 x-136
awaycorporateinsightcom
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpoustycorporateinsightcom
ABOUT THE AUTHORA
BO
UT
TH
E A
UT
HO
R
ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
ABOUT THE AUTHORA
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ANDREW WAY
SENIOR RESEARCH ASSOCIATEANNUITY MONITOR AND LIFE INSURANCE MONITOR
Andrew Way is a Senior Research Associate for Corporate Insightrsquos Annuity Monitor and Life Insurance Monitor research services He has conducted extensive research on the annuities and life insurance industries examining the online platforms customer service capabilities and technological innovations leading annuity and life insurance providers offer prospective investors clients and financial professionals
CONTACT ANDREW WAY
T 212-832-2002 x-136
E awaycorporateinsightcom
Annuity Monitor Life Insurance Monitor and PampC Monitor are service marks of Corporate Insight Inc all rights reserved 20
Andrew graduated from Binghamton University in 2010 and has been a member of the Corporate Insight team since January of 2011
