Illustrations are Only the...

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Illustrations are Only the Beginning Why TransNavigatorSM Index Universal Life (IUL)

is a Product Built for Today’s Marketplace

CRB 225 0814


Shifting the IUL Paradigm


The Transamerica Difference

We agree that illustrations are just the beginning

of a conversation.

That’s why our TransNavigatorSM IUL has

ways to help:

• Clients track their policy and make adjustments if they wish

• Address leeriness toward selling IUL based on a one-time

hypothetical illustration


Annual Review

A Once A Year “Check-up” • Has their life situation changed?

• Has their financial picture changed?

• Do they have enough asset diversification?

• Have their children’s situations changed?

• Have their parents’ situations changed?

• Have their life insurance needs changed? • Death Benefit needs?

• Cash value?

• Income needs?

• Additional policies?

• Long term care?


TransNavigatorSM IUL Summary:

Flexibility and Versatility

• Index Accounts: • Domestic and/or global indexes

• Higher-Cap Plus Index Accounts available with Index Account Monthly Charge

• Illustrates Competitively • LTC Rider, IPO and OPR

offer clients additional flexibility and control

• Policy Loans

Loans and withdrawals reduce Policy Value and death benefit.

If a policy lapses while a loan is outstanding, adverse tax consequences may result.


TransNavigatorSM IUL

Quick Facts

Face Amount Bands

• $25,000 - $99,999

• $250,000 - $499,999

• $100,000 - $249,999

• $500,000+

• Age Nearest Birthday

• Death Benefit Option Level & Increasing

• Issue Ages & Underwriting Classes

Underwriting Class Issue Ages

Select 18-70

Preferred Non Smoker 18-70

Standard Non Smoker 18-85*

Preferred Smoker 18-70

Standard Smoker 18-85*

Juvenile 0-17

* Maximum issue age of 75 In FL



Quick Facts

• Choice of Basic Interest Account & four Index Accounts

• Basic Interest Account has 3% current and 2% guaranteed rate

• No Lapse Guarantee Period

Issue Ages Duration

0-45 20 Years

46-60 To Age 65

61-85 5 Years

• Persistency Credit

• Guaranteed annual Persistency Credit applied starting at

the beginning of policy year 11

• Credit 3% of the average of annual premium received (net

of loans and withdrawals)

• Policy Loans



Riders and Endorsements

Available for Additional Charge Available with No Charge at Issue

Accidental Death Benefit Rider Income Protection Option (IPO)

Children’s Benefit Rider (CBR) Overloan Protection Rider (OPR)

Disability Waiver of Monthly

Deductions Rider Terminal Illness ADB Endorsement

Disability Waiver of Premium Rider

Guaranteed Insurability Benefit Rider

Long Term Care Rider (LTC Rider)

Note – Not all riders and endorsements may be available in all states where TransNavigator IUL is approved.


Index Accounts Compared

with Plus Index Accounts

Give clients the opportunity to:

• Allocate net premiums to any combination

of Account Options

• Change those premium allocations at any time

Caps are set by Transamerica Life Insurance Company at its discretion and are subject to change. The Cap

for any Segment may increase or decrease but will not be less than the guaranteed minimum interest rate of

the Basic Interest Account

Index Accounts Plus Index Accounts

Lower Caps Higher Caps (with IAMC)

No index account monthly

charge

Potential for greater Excess

Index Interest


Choice: Domestic or Global

Index Accounts

Even though the interest credited to the policy’s Index Accounts may be affected by the index(es),

these life insurance policies are not an investment in the stock market(s) or the index(es) and do not

participate in any stock or investments.

Domestic Index

Account Global Index Account

S&P 500®

100% EURO

STOXX 50®

30%

S&P 500®

50%

Heng

Seng

20% EURO

STOXX 50®

50% S&P 500®

30%

Heng

Seng

20%


Index Accounts compared

with Plus Index Accounts

TransNavigatorSM IUL offers greater potential for Excess Index Interest through

our Plus Index accounts which offer a higher Cap (with an IAMC charge)

Index Account Crediting

Method Floor Cap

Illustrated

Rate

S&P 500® Annual PTP 0% 12% 7.80%

Global Annual PTP 0% 14% 8.92%

Index Account Crediting

Method Floor Cap

Illustrated

Rate

S&P 500® Plus Annual PTP 0% 16% 9.35%

Global Plus Annual PTP 0% 20% 11.28%

Plus Index Accounts – Index Account Monthly Charge Applies*

Index Accounts – No Index Account Monthly Charge

* Index Account Monthly Charge (IAMC) is 1% annually (0.08333% monthly).

The IAMC is taken on the Monthly Policy Date as a percent of total value in the Plus Index accounts.


S&P 500® Performance

from 1999 to end of 2013

Average Annual Total Return was 4.67%

-50

-40

-30

-20

-10

0

10

20

30

40

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

Note—The past performance of the S&P 500® is not an indication of future performance. This is not a representation of any

Index Account or IUL policy. There are many fees and charges associated with an IUL policy that are not associated with an

investment whose objective is to mirror a market index. Source: http://finance.yahoo.com


Max-Funded Clients

• Want life insurance

for the death benefit

• They are intrigued by the

potential to supplement

retirement income if policy value is sufficient

• Maxed-out available retirement funds

• May or may not have the ability to participate

in qualified plans

• Want flexibility to make adjustments to their policy


Max-Funded Clients – Unmet Goals

Only 28% of the affluent

are highly confident that

they can generate enough

income in retirement to

cover all of their expenses1

Source 1: http://www.investmentnews.com/article/20140326/FREE/140329938#


Top Concerns

Client

What if I die

too soon? What if

I live

too long?

What if I need

long term care?


Max-Funded Clients: Example

Meet Steven, 49 and Janice, 47

• Make maximum retirement contributions

• Financially savvy

• Have other investments, and are

comfortable with financial markets

• Want death benefit protection for spouse

• Want additional sources to help supplement

retirement income

• Concerned about costs of long term care


Max-Funded Clients: Flexibility

S&P 500® Plus

Index Account

Cap is 16%

S&P 500® Index

Account Cap is12%

Adjust

allocation

strategy

Meet with Agent

and review Goal

Tracker Summary


An Opportunity to Grow Sales

New sales: Reach out to ideal client markets

• Those seeking life insurance, like the potential

to accumulate policy value

• Those already have retirement assets, but seek

additional tax-efficient ways that may help supplement

retirement income


5-year Term Conversion

Enhancements

• Market to existing client base:

• Offer permanent policy to those

who may have moved into a different

life stage than when they bought

their term policy

• Increase sales without the high

cost of acquiring new clients

• Existing underwriting class carries over

• Policies are fully-commissionable


TransNavigatorSM – Tools

and Resources

Product Guide

Guide to Doing Business

Quick Facts LTC Materials Goal Tracker Flyer


Disclosure:

Withdrawals and policy loans can only be made in accordance with policy provisions and if the policy

has been in force long enough to accumulate sufficient value. Loans, withdrawals and death benefit

accelerations will reduce the policy value and death benefit. Withdrawals are subject to Partial Surrender

Charges if they occur during a surrender charge period and result in a face decrease. Loans are subject

to interest charges. If a policy lapses while a loan is outstanding, adverse tax consequences may result.

Policy loans are generally not taxable when taken and cash withdrawals are not taxable until they exceed

basis in the policy. However, if the policy is treated as a Modified Endowment Contract (MEC)

by IRC Sec. 7702A, withdrawals and loans are taxable at an ordinary income tax rate when taken to

the extent of gain in the contract and the gain may also be subject to a 10% federal income tax penalty

if taken prior to age 59½. Cash distributions associated with benefit reductions, including reductions

caused by withdrawals during the first 15 years, may be taxable. Policy owners should consult with their

tax advisor regarding their particular situation.


S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is

a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The foregoing trademarks

have been licensed for use by S&P Dow Jones Indices LLC. S&P® and S&P 500® are trademarks of S&P

and have been licensed for use by S&P Dow Jones Indices LLC and the Company. The S&P 500® index

is a product of S&P Dow Jones Indices LLC and has been licensed for use by the Company. This policy

is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P or their

respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P nor their respective

affiliates make any representation regarding the advisability of purchasing this policy.

The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited,

Zurich, Switzerland, (the “Licensor”), and is used under license. This life insurance policy, based, in part,

on the Index is in no way sponsored, endorsed, sold or promoted by the Licensor and the Licensor shall

have no liability with respect thereto.

Please read the full disclaimer in the TransNavigatorSM IUL policy regarding the Hang Seng Index in

relation to the policy.


TransNavigatorSM is a flexible-premium index universal life insurance policy issued by Transamerica Life Insurance Company,

Cedar Rapids, IA 52499. Policy Form No. ICC14 IUL08 REV or IUL08 REV, Long Term Care Rider Form No. ICC12 LTCR03

or LTCR03. Policy and rider form and number may vary and this policy and rider may not be available in all jurisdictions

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.

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 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 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 July 2014.

CRB 225 0814


Thank You

CRB 225 0814

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