Provider Product Comparison Chart

A cross-provider evaluation matrix to help business partners select the right product for a client. Click a Corebridge product for a full deep-dive.

Indexed Universal Life (IUL)

Provider	Product	Positioning	Death-Benefit Priority	Cash-Value Priority	Best Use
Corebridge Financial		Accumulation-first IUL	Medium	Highest	Long-term accumulation, supplemental income, legacy plus liquidity
Corebridge Financial		Protection-first IUL / balanced	High	Moderate	Family protection, legacy, living benefits, some accessible value
Nationwide	Nationwide Indexed UL Accumulator II	Accumulation-focused IUL	Medium	High	Long-term cash-value accumulation with multiple indexed-crediting options
Mutual of Omaha	Mutual of Omaha Income Advantage IUL	Balanced protection + income IUL	High	Moderate	Permanent protection with living benefits and supplemental income design
North American Company	Builder IUL	Accumulation-focused IUL	Medium	High	Long-term accumulation with a broad range of index-crediting strategies
F&G (Fidelity & Guaranty)	F&G IUL Protector	Protection-first IUL	High	Moderate	Permanent protection with moderate accumulation potential
Lincoln Financial	Lincoln WealthAccumulate IUL	Accumulation-focused IUL	Medium	High	Long-term accumulation with multiple indexed account options
Ameritas	Ameritas Value Plus IUL	Balanced protection IUL	High	Moderate	Permanent protection with moderate cash-value potential

Guaranteed Universal Life (GUL)

Provider	Product	Positioning	Death-Benefit Priority	Cash-Value Priority	Best Use
Corebridge Financial		Guarantee-first UL	Highest	Low	Estate liquidity, legacy, final expenses, permanent protection
Nationwide	Nationwide YourLife GUL III	Guarantee-first UL	Highest	Low	Predictable, cost-efficient permanent death benefit to a selected age
North American Company	Guarantee Builder	Guarantee-first UL	Highest	Low	Long-duration guaranteed death benefit for legacy and estate needs
Lincoln Financial	Lincoln LifeGuarantee UL	Guarantee-first UL	Highest	Low	Guaranteed permanent death benefit to a selected age

Term Life

Provider	Product	Positioning	Death-Benefit Priority	Cash-Value Priority	Best Use
Nationwide	Nationwide YourLife Term	Level-premium term	Highest	None	Maximum affordable coverage for a defined term period
Mutual of Omaha	Term Life Express	Simplified-issue term	Highest	None	Fast-issue affordable term coverage
North American Company	Rapid Term	Level-premium term	Highest	None	Straightforward, fast-underwritten term coverage
Lincoln Financial	Lincoln LifeElements Level Term	Level-premium term	Highest	None	Affordable coverage for a defined term period
Ameritas	Ameritas Value Plus Term	Level-premium term	Highest	None	Affordable term coverage for income replacement
Ethos	Ethos Term Life	Simplified-issue term	Highest	None	Fast, fully digital term application for straightforward cases

Final Expense / Whole Life

Provider	Product	Positioning	Death-Benefit Priority	Cash-Value Priority	Best Use
Mutual of Omaha	Living Promise Whole Life	Guaranteed-issue / simplified-issue final expense	Highest	Low	Simplified underwriting final-expense coverage for seniors
F&G (Fidelity & Guaranty)	F&G Foundation Focus Whole Life	Simplified-issue final expense	Highest	Low	Final-expense coverage with simplified underwriting
Ethos	Ethos Whole Life	Simplified-issue final expense	Highest	Low	Digital-first final-expense coverage for seniors

Important Limitations and Disclosures

• This guide is educational and does not replace the current carrier illustration, policy contract, underwriting decision or state-specific product guide.
• Illustrated values are not promises. Caps, participation rates, spreads, interest-crediting options and policy charges may change subject to contractual limits.
• Loans and withdrawals reduce cash value and death benefits, can cause lapse, and may create taxable income if a policy with gain terminates.
• Life-insurance tax treatment depends on applicable law, policy classification and individual circumstances. Avoid describing access as unconditionally “tax-free.”
• Accelerated benefits may be taxable and may affect eligibility for public assistance. Clients should consult qualified tax and legal advisers.
• Product availability, issue ages, underwriting, riders and benefits vary by carrier, state and policy version. Verify all figures against the current carrier illustration before presenting to a client.

Educational and agent-training reference. Verify the current state-specific carrier illustration and contract before presenting any product to a client.