Introduces TAKE A LOOK AT THIS VALUABLE RETURN OF PREMIUM POLICY. Transamerica Occidental Life Insurance Company

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1 TAKE A LOOK AT THIS VALUABLE RETURN OF PREMIUM POLICY. Transamerica Occidental Life Insurance Company Introduces Return of Premium (ROP) Term Life Insurance. Transamerica Occidental Life Insurance Company

2 IT S THERE WHEN YOU NEED IT, AND WHEN YOU DON T. Living life to the fullest sometimes means taking a little risk now and then, but not with your life insurance coverage. That s why Transamerica Occidental Life Insurance Company is pleased to offer a return of premium (ROP) term life insurance policy, Trendsetter ROP 30. With this unique type of life insurance, the policy owner gets the best of both worlds. He or she receives the full protection of a term life insurance policy, or, if the insured outlives the 30-year level premium period, he or she will receive a refund of cumulative eligible premiums* paid at the end of that 30-year period income tax-free! No Birthday Surprises. Unlike many life insurance products, Trendsetter ROP 30 features age-last-birthday pricing. That means even if you re less than a month away from turning, for example, 50, you will be issued the (more advantageous) policy for a 49-year-old. (Age-last-birthday pricing only benefits applicants with birthdays more than six months ago.)

3 Cancel the policy, not the advantages. If your situation changes and you decide to cancel your policy, there is still an opportunity to have premiums returned. If after six years you cancel your Trendsetter ROP 30 policy, you ll still receive a percentage of the eligible premiums you ve paid to date. Is for You? Right Transamerica s Trendsetter ROP 30 is an ideal choice if your situation is similar to any of the following: New Home Owner A return of premium term life insurance policy gives new homeowners mortgage protection plus a return of premiums paid if they outlive the policy. Should something happen to the insured homeowner, the policy s death benefit could help the beneficiaries cover the unpaid mortgage. Should the insured live beyond the level premium period, the return of premiums provides a nice sum to put toward remodeling, a down payment on a new home, or any purpose desired.

4 Business Owner Trendsetter ROP 30 can provide great flexibility: When used to fund a "buy-sell" agreement. If a business owner dies prematurely, the death benefit can be used to buy the shares owned by the decedent. If business circumstances should change during the policy term but after year six, the policy could be cancelled and a percentage of eligible premiums would be returned to the policy owners. With key-man insurance if an insured key executive leaves the company, the business may still have a percentage of eligible paid premiums returned if the policy is cancelled after year six. With a large bank loan the death benefit could be used to pay off the loan, ensuring that the business is not saddled with that debt.

5 The Peace of Mind of Transamerica Trendsetter ROP 30 is backed by Transamerica Occidental Life Insurance Company s century of strength, experience and protection. That means in addition to offering you protection, value and flexibility, Trendsetter ROP 30 also provides the assurance you ve come to depend on from Transamerica products and services. To find out more about Trendsetter ROP 30, contact your Transamerica representative, or visit our Web site at *Excluding substandard premiums, rider premiums, and outstanding loans. Return of premium not available if death occurs during level premium period.

6 Trendsetter ROP 30 (Policy Form # ) is a term life insurance policy issued by Transamerica Occidental Life Insurance Company, Cedar Rapids, IA Premiums are guaranteed level for the first 30 years, then premiums increase annually starting in year 31. Policy form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. Suicide is no defense to payment of life insurance benefits, nor is suicide while insane a defense to payment of accidental death benefits, if any, under this policy where the policy is issued to a Missouri citizen, unless the insurer can show that the insured intended suicide when s/he applied for the policy, regardless of any language to the contrary in the policy. Transamerica Occidental Life Insurance Company OL