Trans Select 5, 10, 20SM

Group Voluntary Term Life Insurance

Trans Select 5, 10, 20SM

Factors affecting employees’ life insurance needs• Having a child • Changes in marital status • Buying a home • Taking on debt • Changing jobs • Supporting aging parents • Planning for college • Planning for retirement

Trans Select 5, 10, 20SM

Importance of life insurance at the workplace• Attract and retain good employees• Convenience• Individually owned - fully portable at the same rates• Life Insurance options - term and permanent• Preferred underwriting• Family protection • Smaller face amounts• Living benefit riders

2 out of every 3 employees purchase life insurance from their employer.

LIMRA International 2010.

Trans Select 5, 10, 20SM

Trans Select 5, 10, 20SM

• Trans Select is a voluntary group term life insurance is a non-participating 5, 10 or 20 year renewable, portable and convertible term product with level death benefits.

• Initial and renewal term periods may be selected for 5, 10 or 20 years. Current premiums are guaranteed for the first 5 policy years. We reserve the right to change premiums after the first 5 years on a class basis, however, premiums will never exceed maximum premiums guaranteed in the policy.

Trans Select 5, 10, 20SM

Trans Select 5, 10, 20SM

• Affordable protection that allows employees to continue contributing in the employer’s retirement plan.

• Lower pricing allows employees to afford more death benefit protection.

• No medical examinations.• Continuable so it offers the flexibility should the

insured’s circumstances change.

Trans Select 5, 10, 20SM

• Riders Included in Base Coverage• Waiver for Layoff/Strike Provision Rider• Accelerated Death Benefit for Terminal Illness Rider• Child Term Rider (Employee Optional)

• Employer Optional Riders• Waiver of Premium for Disability Rider• AD&D Rider• Accelerated Death Benefit for Long Term Care Rider• Extension of Benefits for Long Term Care Rider• Accelerated Death Benefit for Critical Care Rider

Trans Select 5, 10, 20SM

Issue Ages and CoverageEmployee issue ages:

5 year term 16 through 8010 year term 16 through 7520 year term 16 through 65

Spouse issue ages are 16 - 65

Child coverage will be available for dependents age 15 days through 25 in

the form of a child term rider.

Trans Select 5, 10, 20SM

Trans Select 5, 10, 20SM

• Face Amounts:o Minimum: $5,000, Maximum: 500,000.

• Payroll Premium Modes:o Weekly, Bi-weekly, Monthly, Semi-monthly, Ninthly,

Tenthly, Quarterly and Semi-annually.

• Underwriting:o Guaranteed Issue available based on group size o Conditional Guaranteed Issue and Simplified Issue

Trans Select 5, 10, 20SM

Eligible Employees

Minimum Participation

Standard Maximum

Issue

Minimum Participation

Standard Maximum

Issue

Minimum Participation

Standard Maximum

Issue

10 – 49 10 Apps $25K 5 Apps $75K 2 Apps $500K

50 – 99 20% $50K 10% $100K 5 Apps $500K

100 - 499 20% $75K 10% $125K 5 Apps $500K

500 – 999 15% $100K 10% $150K 5 Apps $500K

1,000 -5,000 15% $125K 10% $175K 5 Apps $500K

Guaranteed IssueConditional Guaranteed

Issue Simplified Issue

Trans Select 5, 10, 20SM

Trans Select 5, 10, 20SM

• Face Amounts:o Minimum: $5,000, Maximum: 500,000.

• Payroll Premium Modes:o Weekly, Bi-weekly, Monthly, Semi-monthly, Ninthly,

Tenthly, Quarterly and Semi-annually.

• Underwriting:o Guaranteed Issue available based on group size o Conditional Guaranteed Issue and Simplified Issue

Trans Select 5, 10, 20SM

Rates:Rates are age and tobacco-distinct. Product rate sheets may be accessed on the Transamerica website.

Sample Monthly Rates

5 year

Issue AgesEmployee Only

Non-Tobacco

Trans Select $50,000

20 year10 year

$13.67

$23.38

$46.08

354555

$8.08

$13.58

$36.42

$10.42

$20.38

$37.17

Trans Select 5, 10, 20SM

• Automatically renews at the end of the term period with a new current premium.

• Offers the feasibility of a guaranteed level rate for the first five years with premiums that are designed to remain the same for the term periods of 5, 10, or 20 years.

• Full portability at the same rate• Option to convert to whole life policy

Trans Select 5, 10, 20SM

For more information or to obtain a proposalContact a Regional Vice President or

a Client Relationship Manager at866-TRANSAMERICA

Visit our Transamerica Employee Benefits websitewww.transamericaemployeebenefits.com

Product Proposals and Rates

Dedicated Sales Proposal Team Availableo Producer information

o Name, address, city, state, zip and agent number.

o Group information

o Name, address, city, state, zip and SIC code and eligible lives

o Products

o Plan design and/or Riders of the products

o Effective date

o Takeover provisionso Provide census or current bill and current plan designs, effective dates, benefit amounts for

underwriting review for takeovers.

Normal turnaround is less than 24 hours with complete information

Trans Select 5, 10, 20SM

This is a brief summary of Trans Select 5, 10 & 20SM Group Term Life coverage. Some of the features highlighted are subject to certain

limitations and exclusions. Please refer to your policy and/or sales literature for costs and

further details, including specific limitations and exclusions. Availability of benefits varies by

jurisdiction. Refer to the contract for complete information.