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2 TERMSelect Term Insurance adaptable for life. You re thinking about insurance protection now, for your family or your business. You need to know that the coverage you buy today can adapt to the changes that may be in your future. You need guaranteed protection that won t tie you to your current circumstances as your needs change. You need Transamerica s TERMSelect term insurance. With highly competitive insurance premiums and a wide variety of options for additional coverage or the opportunity to convert to a permanent insurance plan in the future, TERMSelect gives you the adaptability you need at a price that will fit your budget. That s why we say that TERMSelect is adaptable for life. This TERMSelect client guide is meant to do three things for you: 1. Explain to you what term insurance is and why you may need it 2. Highlight some of the key features and benefits of purchasing term insurance 3. Show you that TERMSelect term insurance from Transamerica Life Canada will meet your needs today, and will adapt to your changing needs in the future Do I really need term life insurance? We all need to protect what s important to us. For you, that might be your family, your grandchildren s education, your business, or another important element of your life. If a tragedy were to strike, you would want to ensure that your legacy provides for your family, and provides the funding necessary for decisions regarding the future of your business. Term insurance provides you with life insurance coverage for a particular period of time, a term. Your policy will pay a tax-free death benefit to your beneficiary should you pass away during the term you selected. Your death benefit (the amount of your insurance policy) is chosen by you in consultation with your advisor based on an analysis of your insurance needs. In the following pages, we ll tell you more about the specific needs that often prompt individuals to consider term insurance and to purchase TERMSelect.

3 TERMSelect in Action Insuring Families. Everyone needs life insurance. Whether it is to protect your family or ensure the financial security of your children or grandchildren, or for many other reasons, we all have a need for some type of insurance. The amount of coverage and type of insurance policy are best determined through a personalized review of your insurance needs with a qualified advisor. The need to protect your family or loved ones is the driving force for many people who purchase life insurance. TERMSelect can help to provide for your family in the event of your death. Paying the Bills Have you or anyone you know ever been unemployed temporarily? If so, you ll know the financial strain that can come from even a brief interruption in your regular earnings. If a loved one were lost, those left behind would be responsible for bearing the financial obligation of monthly bill payments and living expenses all on their own. A TERMSelect policy would provide for the financial needs of your loved ones, taking care of immediate needs and allowing them to plan effectively for the future. Paying Final Expenses Final expenses can sometimes put a strain on a family s finances. Many people do not realize how costly it is to provide a loved one with a fitting memorial service and other final expenses. A TERMSelect policy can eliminate this worry by helping to fund these expenses. Preserving your Estate Taxes and legal fees often reduce the value of your estate that can be passed to your heirs. The proceeds from a TERMSelect policy can help to cover these extra costs, and ensure that the full value of your estate goes to those you intend it to. Funding the Future If you have grandchildren or young dependents, you may want to help secure their futures in the event that you pass away before they grow up. A TERMSelect policy could help to provide funding for tuition costs, or a trust fund that could help them get started in life when they reach adulthood. Insuring your Mortgage Mortgage insurance offered through your bank or trust company may not be the best choice for you. In most cases, this type of insurance coverage decreases as you pay down your mortgage and does not offer the flexibility of converting to a permanent life insurance plan. TERMSelect offers convertibility to a permanent plan, renewability to extend your coverage, and does not decrease your death benefit as you pay down your mortgage, giving you more options and increased protection when compared against standard mortgage insurance. Also, unlike standard mortgage life insurance, TERMSelect term insurance remains in force even if you switch your mortgage to a different financial institution.

4 TERMSelect in Action Insuring your Business. You ve worked hard to build a successful business. You want to ensure that it continues to prosper, or that your family has the funding required to arrange for the sale of your business, and reap the rewards of your hard work. TERMSelect can provide solutions for your business planning needs. Funding Buy-Sell Agreements If you have a business partner, or multiple business partners, you may have wondered What will happen to the business if one of us dies? A TERMSelect policy can fund a buy-sell agreement (allowing one partner to buy out the deceased partner) and provide other funds necessary to ensure a smooth business transition in the event that one partner dies. Ensuring business continuation Key Person Insurance As part of a business, you understand the devastating impact the death of a partner, key employee or shareholder can have on your operations. Gone is the knowledge, expertise and client base that he or she contributed daily. You need a plan to ensure your company survives the turbulence. In the same way that a Transamerica TERMSelect policy can cover a buy-sell agreement on the death of a partner, it can also provide a valuable contingency fund in the event of the untimely death of any individual key to the success of your company. The result: your business has the funds to continue. Funding capital gains tax liabilities Your business is an asset. And, like any asset, the increase in its value may result in a capital gains tax burden for your family when you die. With a Transamerica TERMSelect plan for business, your family can afford all of the benefits of your success. That s because a TERMSelect policy can provide tax-free funds to a named beneficiary to pay capital gains taxes and other business claims that may be triggered on your death.

5 Questions to ask before you Buy Term Insurance. Before considering the purchase of any term insurance plan such as TERMSelect, you need the answers to the following questions: If my health changes, will I be able to renew my policy when the term ends? Yes. With a TERMSelect plan, your insurance company won t abandon you regardless of your future insurability. That s because Transamerica guarantees that you can renew your TERMSelect policy when the term ends, up to age 80. How will I know what my premium rate will be when I renew? With a Transamerica TERMSelect plan, your renewal premium rate is never a mystery. We guarantee it up front, right in the policy! When your term ends, you can automatically renew at the guaranteed renewal rate provided in your contract. When I buy 10-year or 20-year term insurance, am I obligated to pay premiums for the entire term? What if I become disabled and can t afford my premiums? When you buy term insurance from Transamerica, we commit to providing insurance protection to you for as long as you own your policy and as long as you continue to pay your scheduled premiums. If you don t pay your premiums, your insurance coverage will terminate. To avoid such a situation, we offer you the opportunity to purchase a Waiver of Premium rider that will ensure that your premiums are paid even if you are not financially able to pay for a period of time due to a total disability. Talk to your advisor about whether this additional coverage is right for you. What if my needs change? Perhaps there will be a time when term insurance is no longer the best choice for achieving your financial goals. Transamerica guarantees that you can convert your TERMSelect policy to any one of our eligible universal or whole life plans any time up to your 71st birthday, without providing additional evidence of insurability, such as a medical exam. So, when life throws you a curve, you can still choose exactly the type of life insurance you need. Transamerica is a market leader in the permanent life insurance market. If you choose to convert your TERMSelect policy, you can be confident that you ll have a choice of some of Canada s leading permanent insurance plans to convert to. You also have the ability to decrease your level of insurance coverage, or apply for an increase (subject to underwriting), if your desired amount of insurance coverage changes.

6 TERMSelect in Action Adaptable Options. Adaptable for life isn t just a saying. TERMSelect truly is adaptable for life, offering you a long list of built in features that give you flexibility and control of your insurance plan. Some restrictions apply to these options. Consult your contract or contact your advisor for details. Substitution of life insured option allows you to replace any life insured with a substitute life a perfect solution when you replace a key person in your business. The new life insured is subject to underwriting and premiums will be based on the new insured s age and underwriting status. Severance option lets you sever a life insured from a multiple life policy to allow that person to maintain coverage separately. This is often used in cases of dissolution of marriage, or when a child has grown up and wishes to own the policy on his/her life. Businesses can use the severance option to provide departing employees with a chance to maintain the coverage they had while employed with the company. A number of options are also available for joint coverages. For joint last-to-die coverages, the Single Life Insurance option allows you to split coverage in the event of divorce or dissolution of a business partnership. For joint first-to-die policies, we offer a Survivor benefit which allows the surviving lives on a policy to purchase insurance coverage after the death of the first insured life within 90 days without new evidence of insurability. This ensures that policyholders are not left without insurance coverage in the event that a family member or business partner dies. TERMSelect policies also pay an additional death benefit if a second death of a life insured occurs within 90 days of the first death. The Policy Exchange option allows you to split a joint first-to-die policy into separate single life policies. TERMSelect also offers several premium payment options. You can set up a convenient pre-payment account or a just in case account at any time. These options provide you with the flexibility to customize your premium payments. The flexibility to meet changing needs If you quit smoking over 12 months ago and have remained a non-smoker since then, you may qualify for better rates. Also, you can increase or decrease the amount of your TERMSelect policy in accordance with your needs. (Any increases will require satisfactory evidence of insurability.) Additional Benefits TERMSelect also offers a wide range of riders optional additional benefits that you may purchase along with your policy. Talk to your advisor about the suitability of each of these options for your personal insurance plan. Children s Insurance Accidental Death Waiver of Premium Payor Waiver of Premium

7 TERMSelect in Action Plan Summary TERMSelect is a renewable, convertible term life insurance policy from Transamerica Life Canada. Issue Ages TERMSelect is offered in two terms: 10-year and 20-year. 10-Year policies may be purchased by anyone up to age Year policies may be purchased by anyone up to age 60. All plans are Renewable & Convertible allowing you to continue your coverage up to age 80, or to convert to a permanent insurance plan from Transamerica up to age 71. Single Life Insurance Insure yourself with single TERMSelect coverage, naming a beneficiary to receive your policy s death benefit. Joint Life Insurance First-to-die, 2 to 5 lives Joint First-to-die policies pay a death benefit when the first of all of the insured people dies. This is useful when the proceeds of the policy are going to be used to provide financial support to a spouse or family member, or to maintain a business. Last-to-die, 2 to 5 lives Joint Last-to-die policies pay a death benefit when the last of all of the insured people dies. This is useful when the proceeds of the policy are going to be directed towards offsetting estate taxes. Multiple Lives You can insure multiple people using TERMSelect policies and riders. Usually, one person is designated as the policy owner. Up to 17 coverages (combinations of base coverage, riders and optional benefits) are available Premiums The minimum premium for a TERMSelect policy is $125 annually including a $50 policy fee. Your cost of insurance will depend on a number of factors, including age, health, and amount of insurance purchased.

8 Transamerica Life Canada provides Canadians with innovative life insurance and investment products and services. Through a national network of 18,000 independent advisors, Transamerica creates better futures for employees, clients and advisors through our core principles: innovation, discipline and expertise. Transamerica Life Canada is a member of the AEGON Group, one of the world s largest insurers. AEGON N.V. and Transamerica Life Canada have consistently received strong financial ratings from Standard and Poor s, Fitch and A.M. Best Company. In 2003, Transamerica Life Canada earned more than $580 million in life insurance premium income and recorded over $8 billion in total assets under management Yonge Street Toronto, Ontario M2N 7J8 Member of the AEGON Group Trademarks of AEGON Canada Inc. and/or its subsidiary companies. Transamerica and the pyramid design are registered trademarks of Transamerica Corporation. Transamerica Life Canada is licensed to use such marks. LP962 7/04

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