1. Executive Summary

A. Report Objectives

B. Methodology

C. Key Findings

2. Market Overview and Competition

A. Market Overview

1. The Overall Universal and Whole Life Market

2. Employer Perspective

3. Employee Perspective

4. Key Competitors

3. Product Details by Carrier

A. Product Specifics

1. Product Type

2. Product Platform

3. Year Product Introduced and Last Product Revision

4. Employee Minimum and Maximum Face Amounts

5. Lapse Protection for UL Products

B. Riders and Other Benefits

1. Summary of Riders and Other Benefits

2. Waiver of Premium

3. Spouse Coverage

4. Child Coverage

5. Accidental Death Benefits

6. Accelerated Death Benefits for Terminal Illness

7. Critical Illness Benefits

8. Face Amount Increase Rider

9. Long-Term Care Benefits

10. Chronic Illness Benefits

11.Other Riders or Benefits

C. Product Features

1.Surrender Charge Time Period

2.Loads and Fees

3.Loan/Withdrawal Options

4.Reduction of Benefits

5.Age of Termination/Maturity of Benefits

6.Limitations and Exclusions

7.Group Product Portability

8.Product Outsourcing

9.Regulatory Changes

D. Underwriting

1. Accounts Not Accepted by Carrier

2. Account Level Underwriting

3. Employee Eligibility Guidelines

4. Summary of Underwriting Options Offered

5. Guarantee Issue Guidelines

6. Contingent/Modified Guarantee Issue Guidelines

7. Simplified Issue Guidelines

8. Simplified Issue Questions

9. Use of Full Underwriting

10. Spouse Underwriting Guidelines

11.Coverage Increases

12.Open Enrollment with Guaranteed Issue Guidelines

13.GI Offer for Previously Offered Employees

14.Perpetual Guaranteed Issue

15.Percentage of New Business Premium by Underwriting Method

E. Commissions, Rates and Cash Values

1. Commissions

 2. Male/Female or Unisex Rates

3. Tobacco/Non-Tobacco Rates

4. Basis of Rates

5. Minimum and Current Guaranteed Credited Interest Rate (UL/ISWL Products)

6. Assumed Interest Rate for Whole Life

7. Premium Guarantees (Group Products)

8. Face Amounts Generated & Guaranteed Cash Value per Issue Age

9. Side-by-Side Face Amount Comparisons

10. Side-by-Side Guaranteed Cash Value at Age 65 Comparisons

4. Technology Platforms and Permanent Life Products

A. Technology Platforms Used and Preferred

1. Technology Issues for UL or WL Products

2. Preferred Technology Platforms

3. Differences in Platforms Used for UL/WL

5. Product Differentiators, Results and Future Trends

A. Product Differentiators and 2024 Results

1. Differentiating Product Features or Benefits

2. Sales Results

3. Average Face Amount

4. Average Annual Premium Per Employee

5. Typical Policyholder/Account Demographics

6. Target and Average Participation Percentage

7. Persistency/Retention Rate

8. Impact of COVID on Persistency and Mortality

9. Takeovers

B. Challenges & Future Trends

1. Impact of Permanent Term Products

2. Unique Product Challenges

3. Current and Future Product Trends