New products:

• Financial Choice IUL^SM II (FCIUL II) – optimized for cash value build up and supplemental income by minimizing death benefit while maximizing premium.

• Financial Foundation IUL® II (FFIUL II) – middle market needs-based product with cash value flexibility, various living benefits including LTC and juvenile applications.

· Financial Foundation IUL® II with Bestow – middle market needs-based product with an index feature and instant decision underwriting.