TRENDSETTER SM ROP30 P R ODUCT BROCHURE
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1 TRENDSETTER SM ROP30 P R ODUCT BROCHURE Part of the Group
2 WHY TRENDSETTER SM ROP30? You always want to protect your loved ones from financial hardship in case of life s misfortunes. Instead of life-long life insurance coverage, you may wish to protect your family from long-term commitment such as the mortgage, your children's education, or to safeguard the period you are accumulating your wealth. Also it would be ideal if you will receive some kind of return after paying the premiums throughout the term of your policy, because you are confident that you are going to outlive it. In that case, Trendsetter SM ROP 30 may be what you need. The policy offers a level premium payment term of 30 years, then premiums increase annually until age 95. The policy builds a cash value and if you outlive that level premium payment period, you'll get all the policy premiums* you've paid refunded at the end of the term if the policy is still in force. With fixed term coverage and certainty of premium refund* if the policy is still in force, you get the best of both worlds. What s more, Trendsetter SM ROP30 provides you the flexibility to borrow from your policy at times of financial need, or change it to a permanent policy if you should require lifelong protection later. * Includes eligible paid premiums only. Excludes substandard premiums, rider premiums, outstanding loans and any loan interest due. Return of premiums is not available if death occurs during level premium period.
3 How Trendsetter SM ROP 30 works? Policy initial term The initial term is 30 years. You ll pay a level premium throughout the initial 30-year term. Cash value Trendsetter SM ROP 30 policy builds cash value, which you can borrow against during the initial term +. Convertibility option Circumstances change. If you need lifelong coverage later on, just convert your Trendsetter SM ROP 30 policy to permanent coverage before the end of the initial term or before age 70, whichever is earlier - without the need for further evidence of insurability. Premiums* will be returned to you at the end of initial term, assuming the death benefit has not been paid and the policy is still in force. You can continue your coverage beyond the initial term on an annual basis to age 95. Premiums will increse annually but will never exceed the maximum premium stated in the policy. Return of premium Guarantee renewability + Loans which are not repaid by you will reduce the death benefit, policy cash value, and any return of premiums. Loans also accrue interest. * Includes eligible paid premiums only. Excludes substandard premiums, rider premiums, outstanding loans and any loan interest due. Return of premiums is not available if death occurs during level premium period.
4 PRODUCT OVERVIEW GENERAL Insurer Policy currency Issue age: Life insured Policy owner Policy term Transamerica Life (Bermuda) Ltd. USD or above The initial term is 30 years. If you want to continue your coverage after the 30-year term, the policy is guaranteed renewable up to age 95 provided that you pay the required premiums. PAYMENTS Premium structure Payment mode The premiums are guaranteed level for the first 30 years, then premiums increase annually until age 95. Annual, semi-annual, quarterly and monthly (monthly payment is not available for policies issued through Transamerica Life Bermuda s Singapore Branch) Auto-pay is only available for Hong Kong; monthly mode must be paid by auto-pay PROTECTION This is the minimum amount you must apply to effect the Trendsetter SM ROP30 policy. The amount varies with different areas of residency. Minimum face amount Place of residence Hong Kong (Hong Kong residents issued in HK only) Singapore (Singapore residents issued in SG only) Minimum face amount USD 100,000 USD 400,000 China USD 1,000,000 India USD 1,000,000 Others USD 500,000 The minimum face amount for Preferred Plus is USD500,000 for all regions. Changes to the face amount are not allowed once the policy is in force. RIDERS AND OPTIONS Riders The below riders can be added subject to underwriting: Accident Indemnity Rider An additional death benefit if the insured dies as a result and within 90 days of an accidental bodily injury and before age 70 of the insured Double this additional amount is payable if the accidental bodily injury occurs while the insured is a fare-paying passenger on a licensed common carrier being operated for passenger services Maximum issue limit: The lower of policy face amount or USD300,000 Participation Limits: Total accidental death benefits in force and applied for with all companies cannot exceed USD300,000 Issue ages: 18 to 50 Waiver of Premium Rider Premium payment is waived in the event of total disability provided certain conditions are satisfied and the total disability begins before the policy anniversary nearest to the insured s 60th birthday Maximum issue limit: The lower of policy face amount or USD5,000,000. Rider is not issued for face amount over USD5,000,000 Issue ages: 18 to 50 Conversion Rider Guaranteed exchange of the term policy for whole life protection at the same or lower face amount without further evidence of insurability The option must be exercised by the policy owner no later than 30 days after the earlier of the end of the initial level premium period or the insured s 70th birthday The rider must be purchased when the policy is issued Issue ages: 18 to 50
5 PRODUCT OVERVIEW RIDERS AND OPTIONS Options Accelerated Death Benefit^ The option may be exercised after the insured has been diagnosed and certified as having 12 months or less to live from the date of the physician statement The maximum benefit is USD250,000 per life or 75% of death benefit whichever is less; the minimum payment is USD10,000 Automatic Premium Loans Automatic premium loans against the cash value, if any, will be made to settle future premiums subject to certain conditions RETURN OF PREMIUMS 100% of premiums* refunded at the end of the 30-year term. Partial refund of premiums* may be applicable for policies surrendered before the end of the 30-year term. The table below illustrates the percentage of premiums* that will be refunded to you if you surrender or terminate your policy within the first 30 years. Percentage of premiums* refunded End of year % refund End of year % refund 1 0% 16 51% 2 0% 17 54% 3 0% 18 57% 4 3% 19 60% 5 8% 20 63% 6 13% 21 66% 7 18% 22 69% 8 23% 23 72% 9 28% 24 75% 10 33% 25 78% 11 36% 26 81% 12 39% 27 85% 13 42% 28 90% 14 45% 29 95% 15 48% % If you surrender or terminate your policy, the policy will no longer be in force and you will not be entitled to any further premium refunds or to claim a death benefit. ^ Availability of this option is subject to all the terms of the policy, including but not limited to contestability, suicide and all other limitations as set out in the policy. * Includes eligible paid premiums only. Excludes substandard premiums, rider premiums, outstanding loans and any loan interest due. Return of premiums is not available if death occurs during level premium period. Please refer to policy contract for specific terms and conditions.
6 Trendsetter SM ROP 30 (Policy Form No in Hong Kong and in Singapore) is a term life insurance policy issued by Transamerica Life (Bermuda) Ltd. ( Transamerica Life Bermuda ), incorporated in Hamilton, Bermuda. Premiums increase annually starting in year 31. Policies to which this publication relates are only available in Hong Kong and Singapore. Insurance eligibility and premiums are subject to underwriting. In the event of suicide during the first two policy years, death benefits are limited to the return of premiums paid. This publication is only an overview and is not an offer to sell or a solicitation to buy any of Transamerica Life Bermuda s products. It is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties should seek independent tax and legal advice. All case studies and other illustrations or examples given in this publication are for informational and illustrative purposes and do not predict future performance. The actual amount of insurance coverage is dependent on factors including the insured s age, sex, risk class, smoking status and country of residence. All monetary values reflected in these materials are in U.S. dollars. This information is current as of April Clients and other interested parties should refer to the policy contract for detailed terms and conditions. Although care is taken in preparing this material, Transamerica Life Bermuda disclaims any express or implied warranty as to the accuracy of the content and any liability with respect to it. For further information, please contact Transamerica Life Bermuda s distributors Transamerica Life Bermuda DISCLAIMER CONTACT INFORMATION Hong Kong Branch Office 58/F One Island East 18 Westlands Road Island East, Hong Kong T: F: Singapore Branch Office 1 Finlayson Green #13-00 Singapore Co. Reg. No. T05FC6768E T: F: This document describes the key features of Trendsetter SM ROP30 and does not represent a contract. For exact terms, please refer to your policy contract. TLB 096HSM 0514
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