As you know, not everyone pays their premiums on time. Unfortunately, a number of UL carriers with NLG products reduce the interest credited to the shadow fund if premiums arrive after they are due. Over time, paying some premiums a few days late can add up and shorten the duration of your client's coverage obliging you to ask them to pay some additional premiums.

In contrast, AXA Equitable’s Athena II provides your clients with additional protection. Premiums that are received within 30 days of your client’s monthly anniversary date are credited to our Lapse Protection Fund (shadow fund) as of the due date under our current administrative practice. This practice eliminates lost interest in the shadow fund when premiums are paid a few days late and helps keep your No-Lapse Guarantee period intact. Isn’t that what you want?

Carriers with the lowest annual premium:

Rank	Company	Annual Premium	Death Benefit
1	AXA Equitable	$22,329	$1,000,000
2	Principal Life	$22,880	$1,000,000
3	Jefferson Pilot	$23,243	$1,000,000
4	Lincoln National	$23,292	$1,000,000
5	Hartford Life	$23,415	$1,000,000
6	Sun Life	$23,434	$1,000,000

Age 55 Male Nonsmoker Best Class 10-pay With the Lapse Protection Rider (required to guarantee insurance to age 100).

1 Universal life comparison level death benefit (option A), issued in PA. There were 18 carriers surveyed which included: American General Life, AXA Equitable, Hartford Life, Jefferson Pilot, John Hancock/JHUSA, Lincoln National, MetLife, Nationwide, New York Life, Pacific Life, Phoenix, Principal Life, Protective Life, Prudential, ING Rellastar, Sun Life, Transamerica, Travelers. This material comes from proposal software and is accurate to the best of our knowledge. Information is as of 08-01-05.