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Carrier	Underwriting Programs	Term Exchange Programs	Date
AGLC	Better Choice Preferred Expanded Standard Healthy Credits Preferred Credits		01/11/2012
ANICO	Positive Underwriting Credits Anico Underwriting Express		01/11/2012
Aviva	Table Reduction Program Non-NY Table Reduction Program NY	Guaranteed Term Exchange Program	01/11/2012
AXA	Good Health Credit Program Quit Smoking Incentive		01/11/2012
Genworth	360 LifeView Points		01/11/2012
ING	Mortality Credits Standard to Preferred		01/11/2012
John Hancock	HealthStyles		01/11/2012
LBL / Allstate NY	Super Sherlock (LBL)		01/11/2012
LG America	Super Sherlock (LBL)		01/11/2012
Lincoln Financial	Table Reduction Program		04/11/2012
MetLife	MetEdge Rapid eUnderwriting	External Term Conversion	01/11/2012
Mutual of Omaha	Fit		01/11/2012
Nationwide	Placement Improvement Program Nationwide Wellness Credits	Permanent for Life	01/11/2012
Principal	Automatic Standard Approval Program Healthy Lifestyle Credit		01/11/2012
Protective/ West Coast Life	LifeAdvantage Pro Credit Preferred		01/11/2012
Transamerica	Transcend Transamerica Opportunity Program Transamerica Opportunity Program+		01/11/2012