For producer use only. Not for distribution to the public. L IVING C ARE : A PORTFOLIO OF S OLUTIONS FOR A G ROWING M ARKET Mark Stueven National Sales

For producer use only. Not for distribution to the public. L IVING C ARE : A PORTFOLIO OF S OLUTIONS FOR A G ROWING M ARKET Mark Stueven National Sales Director CRB 191 0414

For producer use only. Not for distribution to the public. The Opportunity How can you help clients solve one of their biggest financial dilemmas today, while maximizing your earning potential from every sales situation?

For producer use only. Not for distribution to the public. Clients Concerns Today Healthcare Costs Financial Security Illness Assets Long Term Care For producer use only. Not for distribution to the public.

The Growing Need for Care 72.1 million peopleone in five Americanswill be age 65 or older by 2030 1 About 70% of Americans over age 65 will need long term care, but only 5% of them have long term care insurance 2 1 National Institute on Aging, March 9, 2006 2 Urken, Ross Kenneth. April 25, 2012. An Insurance policy made to order for the sandwich generation. http://www.dailyfinance.com.

For producer use only. Not for distribution to the public. Young Families 55% of younger consumers (age 2549) are worried about how expensive long term care costs could be 1 Nearly a quarter of people in their 40s have at least one chronic illness 2 1 UBS Investor Watch Survey Q3, July 2013. 2 Saad, Lydia, Gallup. Chronic Illness Rates Swell in Middle Age, Taper Off after 75. April 29, 2011. How to address these?

For producer use only. Not for distribution to the public. Sample Costs of Care Nursing Home Cost for a Private Room: National monthly average is $7,300 or $87,600 annually 1 Assisted Living Facility: National monthly average is $3,500 or $42,000 annually 1 Home Health Aide (Certified): National monthly average is $3,766 or $45,188 annually 1 1 Cost of Care Survey, Genworth 2014.

For producer use only. Not for distribution to the public. Growing Market, Growing Opportunity For the 4 th consecutive year, products that offer chronic illness protection posted double-digit growth 1 1 LIMRA. (2013). Individual Life Combination 1 Products 2012 Annual Review.

For producer use only. Not for distribution to the public. How Can They Regain Control?

For producer use only. Not for distribution to the public. Transamerica Living Care Solutions Trendsetter LB TransACE with Long Term Care (LTC) Rider Term with Living Benefits Rising healthcare costs Temporary need for life insurance Economical Guaranteed premiums for initial level premium period GUL with LTC rider Rising healthcare costs Permanent need for life insurance Leave a legacy Guaranteed death benefit

For producer use only. Not for distribution to the public. Why Living Care? 1 About Heart Attacks American Heart Association. 12 June 2011. http://www.heart.org/HEARTORG/Conditions/HeartAttack/AboutHeartAttacks/About-Heart-Attacks_UCM_002038_Article.jsp (24 April 2012). 2 Impact of Stroke American Stroke Association. 18 April 2012. http://www.strokeassociation.org/STROKEORG/AboutStroke/Impact-of-Stroke_UCM_310728_Article.jsp (24 April 2012). 3 Cancer Facts & the War on Cancer National Cancer Institute. 2012. http://training.seer.cancer.gov/disease/war/ (24 April 2012). 4 Saad, Lydia, Gallup. Chronic Illness Rates Swell in Middle Age, Taper Off after 75. April 29, 2011. Every 34 sec. = 1 heart attack 1 Every 30 sec. = A new cancer is diagnosed 3 Every 40 sec. = 1 stroke 2 Nearly a quarter of people in their 40s have at least one chronic illness 4

For producer use only. Not for distribution to the public. The Financial Impact of Illness The cost of severe heart attackincluding direct and indirect costsis about $1 million 1 One in twelve people with cancer delayed or turned down recommended care because of cost 2 Alzheimers is the most expensive problem in the U.S., costing families and society $157 billion to $215 billion a year 3 1 http://www.cbsnews.com/8301-505146_162-39940799/how-much-would-a-heart-attack-cost-you/ 2 National Survey of Households Affected by Cancer The USA Today/Kaiser Family Foundation/Harvard School of Public Health, November 2006. http://www.kff.org/kaiserpolls/ upload/7591.pdf (13 April 2012). 3 http://www.lifehealthpro.com/2013/04/04/study-dementia-tops-cancer-heart-disease-in-cost.

For producer use only. Not for distribution to the public. Living Benefits Access to cash, from a life insurance policy, for expenses related to chronic, critical or terminal illnesses, while the insured is alive.* *Benefits are based on an insured incurring a chronic, critical or terminal illness as defined in the policy. Refer to the policy contract for complete requirements.

For producer use only. Not for distribution to the public. Sales Opportunity Young Families No or minimal insurance coverage Budget conscious Added protection of living benefits

For producer use only. Not for distribution to the public. Transamericas Trendsetter LB Trendsetter LB has Living Benefits: Critical, Chronic and Terminal illness ADBs are embedded in the product 1 10-, 15-, 20-, 25- and 30-year initial level premium periods Non-med underwriting for coverage amounts between $25K to $249,999 Fully underwritten options up to $999,999 Monthly Disability Income Rider Age last birthday issue ages 1 Note: Subject to state availability. Some ADBs are not available in some states.

For producer use only. Not for distribution to the public. Death Benefit $49.00 Minimal Price Difference Terminal ADB Chronic ADB Critical ADB Death Benefit Monthly Premium Differential $52.94 $3.94

For producer use only. Not for distribution to the public. Living Benefits = Accelerated Death Benefits Inherent in all policies and risk classes up to max issue age of base product No additional upfront costs (administrative charge assessed at time of each claim) Maximum lifetime amount an insured may accelerate is $500,000 for all three ADB options and for all policies issued No additional underwriting for living benefits

For producer use only. Not for distribution to the public. Critical Illness ADB Example Dale, 40, Standard Non-smoker Has a $200K, 30-year Trendsetter LB policy issued in 2013 Dale suffers a serious heart attack at age 45 Dales life expectancy is estimated to be 10.5 years by the company, and he elects to accelerate 90% of his death benefit

For producer use only. Not for distribution to the public. Critical Illness ADB Example Premiums paid by Yr 5 = $4,274 Cash received from Living Benefits = $115,418 Death benefit remaining for the family = $20,000 *Benefits provided through the Living Benefits, including the critical, chronic and terminal illness accelerated death benefit riders, are subject to certain limitations and exclusions. Amounts payable under the benefits vary based in part on the nature and severity of the Insured's health condition and the Insured's remaining life expectancy at the time of the acceleration. Refer to the rider for complete details. For producer use only. Not for distribution to the public.

Opportunity With Existing Clients: The Transamerica Opportunity Program TOP/TOP Plus* Increase coverage up to an additional $999,999 No medical exam Accelerated underwriting Must have been previously fully underwritten *Trendsetter LB 10 is not available with the TOP or TOP Plus Program. The programs are not available to foreign nationals.

For producer use only. Not for distribution to the public. Existing Clients: The Transamerica Opportunity Program

For producer use only. Not for distribution to the public. TOP Advantages TOP/TOP Plus policies are fully commissionable 60+ carriersnot just Transamerica *TOP and TOP Plus are not guaranteed issue programs. Qualification for coverage depends on the answers to health questions set forth in the Trendsetter application. Subject to underwriting approval. Underwriting includes Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements which may be imposed based on information from MIB. Program is subject to withdrawal at any time without notice by the Company.

For producer use only. Not for distribution to the public. Option 1: TOP/TOP Plus Up to $999,999 of additional coverage without a medical exam Option 2: Non-med underwriting (including those that do not qualify for TOP/TOP Plus) Coverage amounts of $25K to $249,999 without medical exam Making it Easy to Qualify for Trendsetter LB

For producer use only. Not for distribution to the public. Why Sell Living Benefits? Opportunity To Grow Your Sales New markets, younger clients Market to existing clients/TOP Widen your product portfolio

For producer use only. Not for distribution to the public. Transamerica Living Care Solutions Trendsetter LB TransACE with Long Term Care (LTC) Rider Term with Living Benefits Rising healthcare costs Temporary need for life insurance Economical Guaranteed premiums for initial level premium period GUL with LTC rider Rising healthcare costs Permanent need for life insurance Leave a legacy Guaranteed death benefit

For producer use only. Not for distribution to the public. Long Term Care (LTC) Rider on TransACE Can help offset expenses incurred for long term care of the insured Accelerates base policy death benefit for qualified LTC expenses Guarantees : Beneficiaries receive a guaranteed death benefit even if long term care is never needed Rider charges are level for the life of the policy, and will be waived while LTC benefits are being received* *All other policy Monthly Deductions continue

For producer use only. Not for distribution to the public. TransACE with the LTC Rider Details Benefit Type: Indemnity Style (proof of care required) Minimum/Maximum Face Amounts: $25,000/$1,000,000 LTC Specified Amount must equal base policy face amount Death Benefit Option: Level Death Benefit only Issue Ages: 1880 (age nearest) Underwriting: Base policy must be rated Table D or less. LTC Rider is separately underwritten Rider: LTC rider can be added in conjunction with all other riders and endorsements. Rider only available at policy issue

For producer use only. Not for distribution to the public. TransACE with the LTC Rider Scenario Gary, age 45 Planning for retirement Married with two teenage children Concerns Wants to provide kids with financial security, but is unsure of the amount He wants to provide for his own LTC coverage (just in case) Wants flexibility to reevaluate needs in the future Add Photo

For producer use only. Not for distribution to the public. TransACE with the LTC Rider Scenario Benefits Guaranteed death benefit Long term care protection Flexibility

For producer use only. Not for distribution to the public. TransACE policy at $500K face amount with LTC Rider. TransACE policy at $500K face amount with LTC Rider. $500K w/LTC $500,000 Total Benefit TransACE with the LTC Rider Scenario: Guaranteed Death Benefit Beneficiaries Children Beneficiaries Children Gary

For producer use only. Not for distribution to the public. TransACE with the LTC Rider Scenario: Long Term Care Protection Transamerica approves plan of care After 90 service days, Long Term Care Benefits begin to be paid Gary Throughout his Lifetime Long Term Care Protection Gary suffers chronic illness, Transamerica assesses illness Gary gets proof of care from licensed health practitioner, and plan of care is established

For producer use only. Not for distribution to the public. Surrender Option $500K w/ LTC and use the enhanced surrender value to supplement retirement or provide financial assistance to loved ones Funding requirements must be met. Enhanced surrender value is the lesser of 100% of the gross premiums paid less any refunds, partial surrenders and outstanding policy loans, or 33% of the lowest face amount of the policy less any outstanding loans and any partial surrenders that did not reduce the face amount. Beneficiaries Children Beneficiaries Children Gary MultiFlex Surrender Endorsement $ 94,640 25 th Policy Anniversary $ 118,300 At Retirementage 65 (year 20)

For producer use only. Not for distribution to the public. MultiFlex Surrender Endorsement (MSE) Client would receive the lesser of 100% of gross premiums paid OR 33% of lowest face amount 15 th Anniversary 20 th Anniversary 25 th Anniversary Surrender value will be the lesser of 100% of gross premiums paid less any refunds, partial surrenders, and outstanding policy loans or 33% of the lowest face amount less any outstanding loans and any partial surrenders during the 60-day period following the 15th or 20th policy anniversary, or at any time on or after the 25th policy anniversary. Subject to minimum funding requirements.

For producer use only. Not for distribution to the public. MSE Advantages Advantages Flexibility to fully surrender the policy in applicable years for an enhanced surrender value Built-in options to adapt to policy owners changing needs No additional cost to the policy owner

For producer use only. Not for distribution to the public. Important Things to Remember about TransACE with LTC Key messages Guaranteed death benefit Long term care protection Flexibility Talk to new markets Individuals approaching retirement or retired Single individuals/living alone

For producer use only. Not for distribution to the public. Providing Clients Control & Flexibility Trendsetter LB Life insurance for the living Access to cash in times of need Minimal price difference TransACE with LTC Rider Permanent coverage Guaranteed death benefit Flexibility to reevaluate needs in the future

For producer use only. Not for distribution to the public. Trendsetter LB Marketing Materials Pre-approach LetterConsumer Brochure TOP Toolkit Consumer Flyer Consumer FAQ Underwriting Guide Product Guide Producer Flyer

For producer use only. Not for distribution to the public. TransACE with the LTC Rider Marketing Materials Rider and U/W Guide Quick Facts FAQ Guide to Doing Business Flexibility FlyerConsumer Pieces*Female Market Flyer Stacking Policies Flyer

For producer use only. Not for distribution to the public. Trendsetter LB is term life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form No. TL19. Premiums increase annually 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 form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. TransACE is a nonparticipating, flexible-premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form No. ICC12 UL07 or UL07 (CVAT), Long Term Care Rider Form No. ICC 12 LTCR02 or LTCR02. Policy and rider form and number may vary and this policy and rider may not be available in all jurisdictions. Transamerica Life Insurance Company (Transamerica) and its representatives do not give tax or legal advice. This material 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 Transamericas 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 disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it. This information is current as of April 2014. CRB 191 0414

Documents

For producer use only. Not for distribution to the public. L IVING C ARE : A PORTFOLIO OF S OLUTIONS FOR A G ROWING M ARKET Mark Stueven National Sales