Trans$ure SM interest sensitive whole life insurance

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1 YOUR FAMILY DESERVES A BETTER TOMORROW Trans$ure SM Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. 4% guaranteed interest rate and coverage for your eligible family members. Now without a medical exam you can buy coverage and build cash value with a guaranteed 4% interest rate. You can help protect yourself and eligible members of your family, all with the convenience of payroll deduction. You ll be able to keep your coverage and take it with you if you ever leave the company. Half of all American households say they need more life insurance. 1 How about you and your family? You can take action now by choosing the amount of coverage you need between $5,000 and $500,000. None of us likes to think about these things, but it s important that you can also tap into your life insurance death benefit early if you re ever diagnosed with a terminal illness. 2 That benefit could really help you and your family during a difficult time. If you re ever laid off from your full-time job, there s also protection to keep paying for your policy for as long as six months. 3 Here s another plus: if you buy this policy and continue to pay the monthly cost, after 15 years or at age 65, whichever is later, you ll have a paid-up life insurance policy for half of the benefit amount that s yours to keep. You can cover yourself, your spouse, and your eligible dependents. In addition to your coverage, you can buy whole life policies for your spouse and each eligible child and grandchild. Or you could choose to attach term life insurance protection to your policy or your spouse s to add extra coverage for your children. Who would you like to cover? Meaningful guarantees for your family s future: Life insurance benefits that will never decrease Premiums that will never increase A 4% guaranteed interest rate A paid-up whole life insurance policy for your retirement Ages Available Amounts Available Coverage for yourself $5,000 $500,000 Spouse or equivalent by state law $5,000 $100,000 Child or grandchild 15 days 24 years $25,000 whole life policy Child 15 days 25 years $10,000 child term rider 1 LIMRA, Trends in Life Insurance Ownership study, Use of statistic does not imply endorsement. 2 Not available in Massachusetts. 3 Not available in Massachusetts, Minnesota, New Jersey, Virginia or Vermont. CWL01C-0913

2 You can purchase coverage for just a few dollars per week. The price you pay will depend on your age and whether or not you use tobacco. The minimum weekly cost to participate is $4. Sample costs below show you how much coverage you can buy for just $4 or $10 per week. $4 A Week Non-Tobacco Issue Ages Death Benefit Amount Terminal Illness Benefit Amount Reduced Paid Up Policy Amount at 15 years or Age 65, whichever is later.* 25 $ 26,414 $ 19,810 $ 22, $ 17,851 $ 8,679 $ 13, $ 11,569 $ 8,676 $ 7, $ 6,568 $ 4,926 $ 3,438 $10 A Week Non-Tobacco Issue Ages Death Benefit Amount Terminal Illness Benefit Amount Reduced Paid Up Policy Amount at 15 years or Age 65, whichever is later.* 25 $ 66,010 $ 49,507 $ 55, $ 44,610 $ 33,457 $ 33, $ 28,914 $ 21,685 $ 17, $ 16,414 $ 12,310 $ 5,915 * Under this option, the owner may choose a Reduced Paid Up Life Insurance. The cash surrender value is used to buy a level amount of whole life insurance and no further premiums will be due. The amount shown reflects the later of 15 years or age 65 based on the insured s age and class of risk. Don t miss your opportunity! We re all busy these days, whether it s work, activities with the kids, or staying connected with family and friends. Take just a few minutes today to think about your future and your family s needs. With the convenience of payroll deduction and a range of policy choices, here s your chance to take action for tomorrow. This is a brief summary of Trans$ure SM, Interest Sensitive Whole Life Insurance. Policy underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Policy form series CPWL0100 and CCWL0100. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details Up to date information regarding our compensation practices can be found in the Disclosures section of our website at:

3 Trans$ure SM Trans$ure SM Interest Sensitive Whole Life Insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Accelerated Death Benefit for Long-Term Care Rider with Extension of Benefits Rider and Paid-Up Insurance Benefit Get your money early if you ever need long-term care and an added benefit to make the money go further. Wouldn t it be helpful to take an advance against your life insurance death benefit if you are ever diagnosed as being chronically ill and still know there will be life insurance left for your family? That s the purpose of your Accelerated Death Benefit for Long-Term Care Rider with Extension of Benefits Rider. Chronically ill means a licensed physician says you are unable to perform for 90 days or longer at least two activities of daily living such as dressing, taking a shower, eating, toileting, and being able to move from one activity to another or that you suffer severe issues with memory. 6% of your life insurance death benefit amount is available each month The amount of money available to you if you are ever chronically ill will be 6% of your life insurance death benefit for up to 16 months, provided you are in a licensed nursing or assisted living facility. If you are receiving home health care or adult day care instead, it will be 4% for 25 months. When benefits are paid under this provision, your life insurance death benefit, surrender charges, and your policy s accumulation value will be reduced proportionately. If you have an outstanding policy loan, your monthly loan payments will be subtracted from your benefits every month to continuing paying off your loan balance. Any remaining balance will be paid to your beneficiary in the event of your death. If you have used all of your death benefit, the policy will end. An extra benefit makes your money go further What happens if you take enough monthly advances that all of your life insurance death benefit is gone? Your policy has an Extension of Benefits Rider to keep the monthly payments coming for twice as long. Here s how it works: if at the end of the 16 months or 25 months described above you have used all of your death benefit and are still ill, the death benefit will be increased by 6% or 4% a month so payments can continue for up to twice as long: an additional 16 or 25 months, depending on the type of care you are receiving. If you use all of the additional death benefit amount, the policy will end. Paid-up life insurance In addition, your Extension of Benefits Rider will provide a fully paid-up life insurance policy equal to 25% of your original death benefit. That s important, because as you continue to receive monthly payments, you want to make sure there is life insurance left to help protect your loved ones. You don t have to make monthly payments when you re chronically ill You will not need to make monthly premium payments during the months you are receiving benefits under this provision (those amounts are waived for you). Accelerated death benefit provisions all work together You may have other accelerated death benefits that allow you to access your life insurance early for critical illness or other purposes. Remember that all of these provisions work together up to a maximum 100% of your life insurance death benefit. Be aware of how this money is taxed When you get early life insurance benefits, you may have to pay taxes on all or part of this money, although these payments are intended to be excluded from your gross income for federal tax purposes. We may update the policy language Be sure to read your insurance certificate for the exact definition of disability and the way this benefit is applied in your state. This is a brief summary of Accelerated Death Benefit for Long Term Care Rider with Extension of Benefits Rider and Paid-Up Insurance offered with Trans$ure SM Interest-Sensitive Whole Life Insurance. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details. Rider form series CRABLT00 and CREXTB00. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. CWL03C4-0613

4 with an amendment from time to time to meet any future tax changes or make needed tax clarifications, and if we do, you ll receive a written notice of any changes. We cannot guarantee how these payments will be treated for income tax purposes. These monthly payments could also impact your eligibility for public assistance programs. Talk with a qualified tax advisor and appropriate social services agencies to help you understand how an early payout could affect you and your family. This rider may not cover all the costs associated with long term care incurred during the period of coverage. Up to date information regarding our compensation practices can be found in the Disclosures section of our website at

5 Trans$ure SM Trans$ure SM Interest Sensitive Whole Life Insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Accidental Death and Dismemberment Rider Because accidents happen. Now you can have as much as twice the benefits Accidents can happen anywhere, at any time. Your family will have additional protection should an accident claim your life with the Accidental Death & Dismemberment Rider (AD&D). With the AD&D Rider you receive your regular death benefit up to a maximum of an additional $150,000. An accident can also mean living losses this rider can help Sometimes accidents that aren t fatal can still result in extensive loss. Were you to lose sight, hearing, or use of your limbs, wouldn t you need additional money for your family? This rider also pays a specified percentage (25% to 100%) of the accidental death benefit for dismemberments caused by a covered accidental injury. The total benefit can be up to $150,000: CONDITION PERCENT OF DISMEMBERMENT BENEFIT Loss of two or more: hands, feet or sight of one eye; OR Loss of speech and loss of hearing in both ears; OR Paralysis of both arms and both legs (quadriplegia) 100% Paralysis of both legs 75% Loss of one hand, foot or sight of one eye; OR Loss of speech, or hearing in both ears; OR Paralysis of one side of the body 50% Loss of hearing in one ear; OR Loss of thumb and index finger on the same hand 25% Additional Benefits (Not available in New Jersey) Additional benefits include qualifying elder care, job training for your spouse, child education, and childcare. Your family may receive 3% of the additional accidental death benefit up to $3,500 for each qualifying expense up to $15,000 during a four-year period. Children must be 15 days through 11 years old to be eligible for the childcare benefit, and age 13 through 24 years to be eligible for the child education benefit. Up to date information regarding our compensation practices can be found in the Disclosures section of our website at: Be sure to read your insurance certificate for the exact definition of disability and the way this benefit is applied in your state. This is a brief summary of Accidental Death and Dismemberment Rider (AD&D) offered with Trans$ure Interest Sensitive Whole Life Insurance. Rider form series CRADD200. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the rider for complete details. CWL03C1-0613