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Here is a 100/100 Policy:

A) AM Best Company Rating
10 Points:  A or better

B) Death Benefit Mec Structure
10 Points:   Min Face No Mec

C) Death Benefit Amount
2 Points:   Band Check

D) Death Benefit Option
15 Points:   Increasing to Level

E) Death Benefit Guarantee Age
5 Points:   At least 80

F) Living Benefit Structure, Terminal
3 Points:   Over 70%

G) Living Benefit Structure, Critical
3 Points:   Over 70%

H) Living Benefit Structure, Chronic
3 Points:   100%

I) Premium Term Structure
5 Points:   Stop funding at retirement

J) Premium Growth Gap
5 Points:   Can fund more in later years

K) Surrender Period
10 Points:   Under 15 years

L) Index options
2 Points:   Guaranteed over 4%
3 Points:    SP over 10%
2 Points:   Proprietary over 100%

M) No Lapse Guaranteed Income
10 Points:   On the policy

N) Cost of Insurance Opt Out
10 Points:   Death Benefit opt out available

O) Payment Mode
2 Points:   Annualize