Prospect for New Sales, Without

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1 Prospect for New Sales, Without Requiring Medical Exams! Product TransTerm SM Transamerica Opportunity Program (TOP) is now available on TransTerm SM 10, 15, 20, 25 or 30-year policies. Present clients with a fast way to obtain up to $1 million in coverage without a medical exam!* Transamerica s Opportunity Program (TOP) is now available with TransTerm policies for all initial level premium durations. Benefits of the TOP Program Up to $1 million of TransTerm 10, 15, 20, 25 or 30-year policy coverage Faster policy issue with accelerated underwriting and no medical exams* Especially valuable for those recovering from the economy, who may have had to terminate coverage in the past couple years due to budget constraints TOP Qualifying Applicants Ages Previously underwritten with blood work for a term policy in the past five years. (Previous policy need not currently be in force.) Issued a risk class equivalent to or better than Standard. ( risk classes are also acceptable.) Issued a minimum face amount of $100,000 by one of 60+ qualifying carriers The available face amount is dependent on the policy date of the previously issued policy: Issue Date of Previous Policy Eligible Maximum Face Amount 1 year or less $1,000,000 Older than 1 year but less than 3 years $ 750,000 Older than 3 years but less than 5 years $ 500,000 For more information, contact us today. * This is not a Guaranteed Issue program. Qualification for coverage depends on the answers to health questions set forth in the TransTerm application. Subject to underwriting approval. Underwriting includes Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements which may be imposed based on information from MIB. Program is subject to withdrawal at any time without notice from the Company. TransTerm SM is non-participating, flexible premium universal life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form Nos. ICC10-410, ICC10-415, ICC10-420, ICC and ICC10-430, respectively. Policy forms and numbers may vary and these policies may not be available in all jurisdictions. For producer use only. Not for distribution to the public. OL

2 <Insert Client Name/Company> <Insert Client Address> <Insert Client City, State, Zip> Dear <Insert Client Name> Consider Providing Them More...Without a Medical Exam I m pleased to announce the Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company that can provide a quick and easy way to increase your life insurance coverage. Because you have recently purchased an individual term life policy, you may qualify for up to $1,000,000 of TransTerm SM universal life insurance coverage with a choice of economical initial level premium periods of 10, 15, 20, 25 or 30 years, without the usual required medical exam. 1 This program, along with Transamerica Life s competitive premiums, makes it easier to provide your family with more coverage. Take a look at these sample monthly premiums: Sample:, $500,000 death benefit 2 Age 40 Age 45 Age 50 Age 55 Age 60 Male $26.62 $40.99 $61.27 $97.62 $ Female $23.24 $34.65 $49.02 $68.46 $ For more information on how to take advantage of this program, contact us today. Sincerely, <Insert Field Agent Name> <Insert Field Agent Phone Number> 1 TOP is not a Guaranteed Issue program. Qualification for coverage depends on the answers to health questions set forth in the new application. Subject to underwriting approval. Underwriting includes Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements that may be imposed based on information from MIB. Program is subject to withdrawal at any time without notice from the Company. Maximum amount of new coverage is dependent on previous or current policy issue date. 2 Sample monthly premiums based on male and female, $500,000 death benefit coverage for TransTerm SM 10. Premiums quoted are subject to change without notice. Premiums are lower if paid annually. TransTerm SM is non-participating, flexible premium universal life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form Nos. ICC10-410, ICC10-415, ICC10-420, ICC and ICC10-430, respectively. 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. OL

3 UL TOP Program Details The Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company offers qualifying clients an easier way to increase or extend their existing term life coverage with a TransTerm SM 10, 15, 20, 25 or 30-year universal life insurance policy with accelerated underwriting and no medical exams. Under TOP, we will modify the initial underwriting requirements for qualifying individual TransTerm 10, 15, 20, 25 or 30-year cases. The program is not guaranteed issue. Additional evidence of insurability will be requested if the Underwriter determines it s necessary. TOP Program Rules and Guidelines 1. TOP is available on TransTerm 10, 15, 20, 25 or 30-year durations. 2. The previously issued term life policy being topped :* Must have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible. Must have been issued Preferred (including Preferred Plus or similar) or Standard (including Standard Plus or similar). classes are acceptable; however, Substandard rated policies are not eligible for the program. Must have had a face amount of $100,000 or more. Must be from a specifically identified qualifying carrier, which includes Transamerica Life and Transamerica Financial Life. Must have been issued within a five-year rolling period, which is defined as the duration of time between the policy date of the previously issued policy (as shown on the face page) and the date of the new TransTerm application. 3. Qualifying issue ages (age nearest birthday): 18 to Face Amounts Maximum amount of new coverage is dependent on the rolling period: Period from Previous Policy Issue Date Maximum Face Amount One Year (Rolling Date) $1,000,000 Three Years (Rolling Date) $750,000 Five Years (Rolling Date) $500,000 Multiple policies adding up to the designated maximum face amount may be issued under the program; however, new coverage under the TOP program may never amount to more than $1,000,000 in total per individual life per lifetime. Coverage maximums are limited to normal Company maximum retention. 5. Qualifying Risk Classes Applicants may qualify for one of the following risk classes, based on the classification of their previously issued policy and Underwriter s approval:,,, and. Preferred Plus and Standard Plus classes are not available on new coverage under the program. 6. The program is not guaranteed issue. Additional evidence may be requested if the Underwriter determines it is necessary. *Products such as Genworth Life s Colony Term UL and West Coast Life s and Protective Life s Secure-T are also eligible for TOP. For producer use only. Not for distribution to the public.

4 TOP Program Details 7. Maximum Company retention on one life is not to exceed $5,000,000. Applications that would require us to exceed our maximum retention will require full new business evidence. 8. The program is designed as additive coverage, not as replacement. It does not require any assignment or termination, nor does it alter the face amount and conversion option of the previously issued policy. Modified New Business Requirements 1. Application for TransTerm policy form 2. Authorization to Obtain Information (MIB) 3. Nonmedical 4. Copy of the previously issued term policy face page, and any additional policy data pages required to show name of insured, date of issue, face amount, and risk class. If using a Transamerica policy, the policy number (noted in the remarks or cover letter) can be used instead of copied policy pages. 5. Any additional signed state-specific authorizations and disclosures required to transact new business. Applications The basic application is APA 40. The non-medical report is MPN 1. The program does not require, nor does it have, a unique application. All of the new business supplemental forms and disclosures are still required. Note: A note in the Remarks section of the application should indicate that the policy is being applied for under the TOP program. For Transamerica policies being topped, the policy number should be included in the Remarks section. TransTerm SM is non-participating, flexible premium universal life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form Nos. ICC10-410, ICC10-415, ICC10-420, ICC10-425, and ICC respectively. Policy forms and numbers may vary and these policies may not be available in all jurisdictions. Transamerica Opportunity Program (TOP) is subject to withdrawal at any time without notice from the company. OL For producer use only. Not for distribution to the public.

5 The following is a comprehensive list of qualifying Term carriers for the Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company. If you cannot find a specific company below, please contact Richard Mar in Life Products at All American Life Select (Class I, II) Select (Class V) Select (Class III) (Class IV) (Class VI) Allianz Elite Select Super Select Select Plus Ultra Super Preferred Plus Select Preferred Plus Allstate Preferred Elite Preferred No- Standard Select No- Standard No- American General Select (Class I) Select (Class II) Preferred Plus Select (Class III) (Class IV) Standard Plus 1

6 American United Life Elite Standard Plus AmerUs Preferred Plus Aviva 1 Premier Standard Plus AXA Preferred Elite Referred Standard Plus Bankers Life of NY Preferred Plus Preferred Non Standard Non Banner Life (William Penn Life in NY) Preferred Plus Standard Plus Plus 1 Acceptance within the program will be based on providing evidence to Underwriting that the policy being topped was fully medically underwritten. 2

7 Cincinnati Life Super Select Select Plus Select Ultra Preferred Standard Standard Columbus Life Super Preferred Non Preferred Plus Non Preferred Non Standard Non Empire General Select Preferred Equitable Life Preferred Plus Federated Insurance Company Preferred Plus Fidelity and Guaranty Life Super Preferred Plus First Penn-Pacific Preferred Best 3

8 General American Elite GeneraLife Elite Genworth / First Colony* Preferred Best No Nicotine (American Mayflower in NY) Preferred No Nicotine Standard Plus Standard No Nicotine Select No Nicotine Preferred Nicotine Standard Plus Nicotine Standard Nicotine Golden Rule Grange Life Executive Guardian Elite Preferred Plus Standard Standard () Harleysville Premier Select Select *Genworth s Contin-UL is also eligible for TOP. 4

9 Hartford Life and Annuity Company Preferred Best Preferred Plus Preferred Nonnicotine Standard Nonnicotine Preferred Nicotine Standard Nicotine Indianapolis Life Premier/Preferred Plus Preferred No Standard No Jackson National Preferred Plus Jefferson Pilot Preferred Plus John Hancock Super Preferred Standard Plus Kansas City Life Preferred Elite Lincoln Benefit Preferred Elite Standard Select 5

10 Lincoln National* Preferred Best (Lincoln Life & Annuity Co. of NY) ManuLife Super Preferred Mass Mutual Ultra Select Select MetLife Elite Plus Preferred Plus Standard Plus Midland National Preferred Plus Plus Minnesota Life Preferred Select Preffered Plus MONY Ultimate Select Select Standard *Lincoln National s DurationGuarantee UL is also eligible for TOP. 6

11 National Life Insurance Preferred Plus Non- Company of Vermont Preferred Non- Non- Nationwide Preferred Plus Standard Preferred Standard New England Financial Select Preferred New York Life Select Preferred Plus Select Standard Standard North American Super Premier Standard Plus Northwestern Select Premier Standard Plus Premier 7

12 Ohio National Super Preferred Select Select Old Mutual Super Preferred Plus Old Republic Preferred Plus Pacific Life Super Select Preferred Plus Standard Plus Penn Mutual Preferred Best Preferred Plus Phoenix Home Life Advantage Premier Advantage Select Advantage Standard 8

13 Primerica Preferred Plus Principal Life Super Super Protective Life* Select Prudential Preferred Best Preferred Plus Plus Preferred Plus ReliaStar Life Insurance Co (ING) Super Select SBLI Preferred Plus Nonnicotine Preferred Nonnicotine Select Nonnicotine Standard Nonnicotine Preferred Nicotine Standard Nicotine *Protective Life s Secure T is also eligible for TOP. 9

14 Security Connecticut Super Preferred State Farm Preferred Sun Life Super Preferred Best Standard Best Symetra Life Preferred Best Nonnicotine Preferred Plus Nonnicotine Preferred Nonnicotine Nonnicotine Standard Plus Nicotine Nicotine Transamerica Preferred Plus (TLIC and TFLIC) Standard Plus Transamerica Family Markets Preferred Elite Preferred Plus Travelers Preferred Plus 10

15 United of Omaha 1 Preferred Plus Non- Preferred Non- Standard Plus Non- Standard Non- Standard Plus United States Life Ins Co in the City of NY Preferred Plus Preferred Standard Plus Standard West Coast Life* Super Preferred Standard Plus Western Reserve Life Preferred Elite Preferred Plus Woodmen of the World Super Preferred Non- Preferred Non- Standard Non- *West Coast Life s Secure-T is also eligible for TOP. 1 Acceptance within the program will be based on providing evidence to Underwriting that the policy being topped was fully medically underwritten. This listing is just a guide. Eligibility is subject to underwriter s approval. For producer use only. Not for distribution to the public. OL

Must have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible.

Must have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible. UL TOP Program Details The Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company offers qualifying clients an easier way to increase or extend their existing term life coverage

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