For producer use only.Not for distribution to the public.

SOLVING THE INCOME NEED

FOR TODAY’S FAMILIES

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For producer use only.Not for distribution to the public.

Standard of Living:The Next Generation

Better or Worse?

Source: Where America Stands, CBS News Poll, May 2010

For producer use only.Not for distribution to the public.

LIMRA 2010: The number of households that are uninsured or underinsured is at a 50-year high

For producer use only.Not for distribution to the public.

Reasons for Buying Life InsuranceBuyers vs. Nonbuyers

0% 10% 20% 30% 40% 50% 60%

22%

23%

26%

37%

56%

Percent of NonbuyersPolicy too expensive/could not afford premium

Afraid of making wrong decision

Couldn't decide on policy type/coverage amount

Don't know enough

Not finished shopping

0% 10% 20% 30% 40% 50% 60% 70%

20%

23%

34%

60%

64%

Percent of Buyers

Income replacement

Guarantee mort-gage paid

Burial and final expenses

Transfer wealth

Funds for college

2010 Trends in the United States, LIMRA Fact Book MarketTrends

For producer use only.Not for distribution to the public.

Focused on the buyer:

How much insurance do you need or want?

How much do you want to leave your loved ones when you die?

How much can you afford?

What lump sum is right for you?

Typical Fact Finding

For producer use only.Not for distribution to the public.

What is the monthly income stream required for your spouse to continue to run the household?

2 Would you like a lump

sum set aside for college expenses, for your kids, retirement for your spouse or a wedding for your daughter?

3 If you die tomorrow, how much is needed to satisfy outstanding debt and any other final expenses?

1

Effective Fact Finding: 3 Questions

FOCUS ON LOVED ONES

For producer use only. Not for distribution to the public.

For producer use only.Not for distribution to the public.

What is the monthly income stream required for your spouse to continue to run the household?

2 Would you like a lump sum set aside for college expenses, for your kids, retirement for your spouse or a wedding for your daughter?

3 If you die tomorrow, how much is needed to satisfy outstanding debt and any other final expenses?

1

Guaranteed Income Strategy

Guaranteed Monthly Income Stream

Initial Lump Sum

FinalLump Sum

Income Protection Option (IPO)

For producer use only.Not for distribution to the public.

Guaranteed Income Strategy

Income Protection Option (IPO)

Available at no additional premium cost May include multiple beneficiaries Can be modified prior to the death

of the insured A portion of each monthly payment and

a portion of the final lump sum are reportable as interest income

5 – 25 years / $100 min.$10,000 min. $10,000 min.

Guaranteed Monthly Income Stream

Initial Lump Sum

FinalLump Sum

For producer use only. Not for distribution to the public.

For producer use only.Not for distribution to the public.

IPO has Transamerica Products at its CoreTransamerica life insurance policy

Income Protection Option

Transamerica

TransACE®, TransACE® CV, TransProtector®, TransUltra Plus®, TransUltra® SP, TransSecure® II* Trendsetter® Super, Trendsetter® Express, or Trendsetter® LB

* Non-qualified policies only

For producer use only.Not for distribution to the public.

Danny, 53, married to Julia, 52

3 children aged 26, 22 and 18

Danny is a management professional and Julia is an elementary school teacher

Seizing Opportunities –Insurance Security for the Family

For producer use only.Not for distribution to the public.

Concerns:

Will his family have enough to cover living expenses if something happens to him?

How can he help to ensure financial security of his spouse and kids into the future?

Seizing Opportunities –Insurance Security for the Family

For producer use only.Not for distribution to the public.

$10,000 min. Would you like a lump sum set aside for college expenses, for your kids, retirement for your spouse or a wedding for your daughter?

3

Guaranteed Income Strategy

5 – 25 years / $100 min.$10,000 min.

FinalLump Sum

Income Protection Option (IPO)

What is the monthly income stream required for your spouse to continue to run the household?

2 If you die tomorrow,

how much is needed to satisfy outstanding debt and any other final expenses?

1

Guaranteed Monthly Income Stream

Initial Lump Sum

$3,000 for 15 Years $75,000$50,000

For producer use only.Not for distribution to the public.

Monthly Premium: $144.90Total Income Protection Option Payments: $665,000

Would you like a lump sum set aside for college expenses, for your kids, retirement for your spouse or a wedding for your daughter?

3

Trendsetter® Super with the Income Protection Option

FinalLump Sum

What is the monthly income stream required for your spouse to continue to run the household?

2 If you die tomorrow,

how much is needed to satisfy outstanding debt and any other final expenses?

1

Guaranteed Monthly Income Stream

Initial Lump Sum

$3,000 for 15 Years $75,000$50,000*Trendsetter Super 20, Male, 53, Preferred Nonsmoker

Security for Danny’s FamilyTrendsetter® Super policy on Danny with the IPO*

Beneficiary Initial Lump SumGuaranteed

MonthlyIncome (15 Years)

Final Lump Sum

Julia(Spouse) $50,000

Cindy(Child) $500 $25,000

Greg(Child) $500 $25,000

Peter (Child) $500 $25,000

Total $50,000 $3,000 / month(for 15 years) $75,000

$1,500

Monthly Premium: $144.90Total Income Protection Option Payments: $665,000

*Trendsetter Super 20, Male, 53, Preferred Nonsmoker For producer use only. Not for distribution to the public.

For producer use only.Not for distribution to the public.

Illustrating IPO on TransWare®

For producer use only.Not for distribution to the public.

Illustrating IPO on TransWare®

$50,000

$3,000

15

$75,000

$665,000

For producer use only.Not for distribution to the public.

Illustrating IPO on TransWare®

Total IPO Payout: $665,000

Fixed Monthly Payment: $3,000

Annual Premium : $1,739*

Face Amount : $534,858

*Trendsetter Super 20, Male, 53, Preferred Nonsmoker

For producer use only.Not for distribution to the public.

Illustrating IPO on TransWare®

*Illustration for Male, 53, Preferred Nonsmoker, Trendsetter Super 20

For producer use only.Not for distribution to the public.

Economical Simple Gives Control to Policy Owner

Death benefit payout options Flexible

Income Protection Option

For producer use only.Not for distribution to the public.

Families with children

Working couples

Single-income households

Single-parent households

Blended families

IPO Client Profile

For producer use only.Not for distribution to the public.

Producer Presents Benefits to Client: “Let’s build a family protection plan.” “With all the economic uncertainty,

we can create a guaranteed income stream for your family.”

“What could your loved ones do with an extra $500/mo? $1000? $2000?”

IPO Talking Points

For producer use only.Not for distribution to the public.

Producer flyer

Producer video

Consumer brochure

Consumer flyer

IPO Resources

For producer use only.Not for distribution to the public.

This material was not intended or written to be used, and cannot be used, to avoid penalties imposed under the Internal Revenue Code. This material was written to support the promotion or marketing of the products, services, and/or concepts addressed in this material. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely solely on their own independent advisors regarding their particular situation and the concepts presented here.

A portion of each monthly payment and a portion of the final lump sum payable under the policy's Income Protection Option are reportable as interest income. The policy illustration provides the tax reportable percentage for each monthly income payment and the final lump sum based on a 3% guaranteed minimum interest rate and the illustrated face amount. Upon the insured’s passing, the actual taxable portion of each monthly payment will be calculated and communicated to the beneficiary(ies) based on the actual payout amounts. The taxable portion of the final lump sum payment will be determined when the payment is made.

Trendsetter® Super Series (Policy Form Nos. 1-322 11-107, 1-306 11-107, 1-305 11-107, 1-304 11-107, 1-303 11-107, and 1-334 11-107), Trendsetter ® LB (Policy Form No. TL19) and Trendsetter® Express (Policy Form No. ICC12 TL18 or TL18) are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids IA 52499. Premiums increase annually for YRT and beginning in year 11 for the 10-year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy forms and numbers may vary, and these policies may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting.

TransACE® is a non-participating flexible-premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499 (Policy Form #1-12611107 (CVAT), Group Certificate #2-72336107 (CVAT) for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust). Policy form and number may vary, and this policy may not be available in all jurisdictions.

TransACE® CV is a nonparticipating, flexible premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form No. 1-13011108, Group Certificate No. 2-13036108 for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy form and number may vary and this policy may not be available in all jurisdictions. This product is not available in New York.

TransProtector® is a modified single premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form No. 1-15011106, Group Certificate No. 2-15036106 for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy form and number may vary, and this policy may not be available in all jurisdictions.

TransUltra Plus® 2006 is a nonparticipating, flexible-premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids IA 52499 Policy Form No. 1-11311106 (CVAT). Group Certificate No. 2-73036106 for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy form and number may vary, and this product may not be available in all jurisdictions.

.

For producer use only.Not for distribution to the public.

TransSecure® II is nonparticipating, limited payment, interest-sensitive whole life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids IA 52499. Policy Form Nos. ICC08-180 (in states that form part of the Interstate Insurance Compact), 1-18011108; Group Certificate No. 2-18036108 for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy forms and numbers may vary, and this policy may not be available in all jurisdictions.

TransUltra® SP 2006 and TransUltra SelectSM SP 2006 are nonparticipating, flexible-premium universal life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids IA 52499 Policy Form #1-11411106 (TransUltra Select SP 2006 is #1-11511106); Group Certificate #2-74036106 (TransUltra Select SP 2006 is #2-75036106) for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy form and number may vary, and this product may not be available in all jurisdictions.

Transamerica Life Insurance Company (“Transamerica”), and its representatives do not give tax or legal advice. The material in this presentation is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties must be urged to consult with and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here.

Discussions of the various planning strategies and issues are based on our understanding of the applicable federal tax laws in effect at the time of presentation. However, tax laws are subject to interpretation and change, and there is no guarantee that the relevant tax authorities will accept Transamerica’s interpretations. Additionally, this material does not consider the impact of applicable state laws upon clients and prospects.

Although care is taken in preparing this material and presenting it accurately, Transamerica warranty as to the accuracy of any disclaims any express or implied material contained herein and any liability with respect to it. This information is current as of September 2012.

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