Product Matrix For producer use only. Not for distribution to the public.

Life Products Product Matrix For producer use only. Not for distribution to the public.

Transamerica Brokerage offers an array of innovative financial services and a commitment to helping individuals, families, and businesses build, protect, and preserve their hard-earned assets. We continue to showcase our unyielding commitment to offering innovative financial strategies designed to provide clients with the Guarantees, Flexibility and Control needed to secure their financial future. Our exceptional product options offer clients: Guarantees that provide protection when they need them most Flexibility to meet changing needs Each product is backed by the strength of Transamerica, one of the nation s leading providers of financial security products. For additional information or questions about illustrating any of the products in our portfolio, contact the Transamerica Internal Sales Desk at (866) 545-9058. For state availability, please visit TransACT (www.tatransact.com). Control over how death benefit proceeds are passed on to help safeguard the financial future of their loved ones. t r a n s a m e r i c a 1

Product and Concept Matrix Common Strategies for Individual Planning Common Strategies for Business Planning Classification Death Benefit Coverage Legacy Planning Retirement Planning College Planning 1035 Exchanges Premium Financing Charitable Gifting Special Needs Trusts Business Succession Executive Benefits Nonqualified Deferred Comp Key Person Simplified Issue Life TransACE (No Lapse) Guaranteed UL TransACE CV (No Lapse) Guaranteed UL TransACE Survivor (No Lapse) Guaranteed UL TransUltra SP 2006 Current Assumption UL TransUltra Plus 2006 Current Assumption UL TransProtector Modified single-premium, Simplified Issue UL Freedom Index Universal Life II SM Freedom Global IUL II SM TransNavigator SM IUL Transamerica Journey SM Individual, flexible premium index universal life insurance Individual, flexible premium index universal life insurance Individual, flexible premium index universal life insurance Individual, flexible premium variable universal life. Trendsetter Super Term Insurance Trendsetter LB Term Insurance Trendsetter Express Term Insurance Final Expense Immediate, 10 Pay, Easy Solutions Whole Life GWL/Final Expense Guaranteed Whole Life TransSecure II Single life, nonparticipating, limited-payment, interestsensitive whole life insurance 2 Life Products

Universal Life Insurance Portfolio TransACE Minimum Face Amount (Minimum/ Maximum) Surrender Charges Required Premium Period (No Lapse) Guaranteed flexible-premium universal life insurance $25,000 $100,000 for Select Nonsmoker class 16 69 years, Select Nonsmoker (age nearest birthday), both death benefit options 16 89 years, All other classes (age nearest birthday), level death benefit 16 80 years, All other classes (age nearest birthday), return of premium death benefit Decreasing over 20 policy years Five years Accelerated Death Benefit for terminal illness 1 Automatic Premium Loan Surrender Charge Waiver Endorsement (Honeymoon Provision) 2 Income Protection Option (IPO) Insured Exchange Option Level Death Benefit and Plus-Premium Death Benefit Options MultiFlex Surrender Enhancement Endorsement 2 No-Lapse Guarantee Endorsement No Maturity Date 3 Surrender Penalty Deferral Endorsement 2 Riders Accident Indemnity Rider Children s Insurance Rider Guaranteed Insurability Rider Long Term Care (LTC) Rider 1 Waiver Provision Rider Loan Cost (Net Effective Annual Loan Rate) 10% Penalty-Free Withdrawals Market Strengths 2.5% (8% annual loan interest with loaned value earning 5.5%) No No-Lapse Guarantee design to provide lifetime death benefit guarantees 4 Return of Premium Option (ROP) ideal for legacy and estate planning t r a n s a m e r i c a 3

Universal Life Insurance Portfolio TransACE CV Minimum Face Amount (Minimum/ Maximum) Surrender Charges Required Premium Period (No Lapse) Guaranteed flexible-premium universal life insurance Preferred Plus: $100,000 All other risk classes: $25,000 Age 0 to 75, age nearest birthday. (For issue ages 0 15, the risk class is Standard Nonsmoker) Decreasing over 20 policy years Five years Accelerated Death Benefit for terminal illness 1 Automatic Premium Loan Surrender Charge Waiver Endorsement (Honeymoon Provision) 2 Income Protection Option (IPO) Insured Exchange Option MultiFlex Surrender Enhancement Endorsement 2 No-Lapse Guarantee Endorsement No Maturity Date 3 Surrender Penalty Deferral Endorsement 2 Riders Loan Cost (Net Effective Annual Loan Rate) 10% Penalty-Free Withdrawals Market Strengths Accident Indemnity Rider Children s Insurance Rider Guaranteed Insurability Rider Waiver Provision Rider 2.5% (8% annual loan interest with loaned value earning 5.5%) No Juveniles and younger issue ages Term conversions No-Lapse Guarantee design to provide lifetime death benefit guarantees 4 4 Life Products

Universal Life Insurance Portfolio TransACE Survivor Minimum Face Amount (Age Nearest) Surrender Charges Required Premium Period Flexible-premium, no-lapse, second-to-die universal life insurance policy Base Coverage: $250,000 Estate Protection Rider: $25,000 16 85, Preferred & Standard with level death benefit (older joint insured up to age 89) 16 80, Preferred & Standard with Return of Premium (ROP) death benefit 16 69, Select (Best Class) with both death benefit options Decreasing over 20 policy years Five years Accelerated Death Benefit for terminal illness 1 Automatic Premium Loan Guaranteed Policy Split Option Income Protection Option (IPO) MultiFlex Surrender Enhancement Endorsement 2 No-Lapse Guarantee Endorsement Surrender Charge Waiver Endorsement (Honeymoon Provision) 2 Surrender Penalty Deferral Endorsement 2 Rider Loan Cost (Net Effective Annual Loan Rate) 10% Penalty-Free Withdrawals Market Strengths Estate Protection Rider 2.5% (8% annual loan interest with loaned value earning 5.5%) No Return of Premium Option ideal for legacy and estate planning Mature ages Jumbo case market t r a n s a m e r i c a 5

Universal Life Insurance Portfolio TransUltra SP 2006 Minimum Face Amount (Minimum/ Maximum) Surrender Charges Required Premium Period Flexible-premium universal life insurance $25,000 $100,000 for Select Nonsmoker class (TransUltra Select SP) 16 89, age last birthday 16 80, age last birthday for Select Nonsmoker class (TransUltra Select SP) Decreasing over 13 policy (or layer) years for Select Nonsmoker class (TransUltra Select SP) Decreasing over 15 policy (or layer) years for all other underwriting classes Five years Accelerated Death Benefit for terminal illness 1 Automatic Premium Loan Full Policy Surrender Penalty Waiver (Honeymoon Provision) 2 Income Protection Option (IPO) Insured Exchange Option No maturity date 3 Option for Additional Insurance Surrender Annuity Option Surrender Penalty Deferral Endorsement 2 Riders Loan Cost (Net Effective Annual Loan Rate) Accident Indemnity Rider Children s Insurance Rider Waiver Provision Rider Class A Policy years 6 10: 1% with loan interest at 6.1% in advance (6.5% effective) Policy years 11 and beyond: 0.5% with loan interest at 5.66% in advance (6.0% effective) Class B 2% with loan interest at 6.98% in advance (7.5% effective) 10% Penalty-Free Withdrawals Market Strengths Yes (starting in year 2) Mature issue ages 6 Life Products

Universal Life Insurance Portfolio TransUltra Plus 2006 Minimum Face Amount (Minimum/ Maximum) Surrender Charges Required Premium Period Flexible-premium universal life insurance $100,000 16 89, age last birthday Decreasing over 14 policy (or layer) years Five years Accelerated Death Benefit for terminal illness 1 Automatic Premium Loan Full Policy Surrender Penalty Waiver (Honeymoon Provision) 2 Income Protection Option (IPO) Insured Exchange Option No maturity date 3 Option for Additional Insurance Surrender Annuity Option Surrender Penalty Deferral Endorsement 2 Riders Loan Cost (Net Effective Annual Loan Rate) Accident Indemnity Rider Children s Insurance Rider Waiver Provision Rider Class A Policy years 6 10: 1% with loan interest at 6.1% in advance (6.5% effective) Policy years 11 and beyond: 0.5% with loan interest at 5.66% in advance (6.0% effective) Class B 2% with loan interest at 6.98% in advance (7.5% effective) 10% Penalty-Free Withdrawals Market Strengths Yes (starting in year 2) Mature issue ages Death benefit at issue either Return of Accumulation Value or Return of Premium. Can be changed to level death benefit in the future. Maximum death benefit on Return of Premium version is four times face amount t r a n s a m e r i c a 7

Universal Life Insurance Portfolio TransProtector Minimum Premium Amount Modified single-premium universal life insurance Single Premiums: $25,000 Scheduled Required Premiums: Premium Period (years) Annual Premium 2 $15,000 3 $10,000 4 10 $7,500 Single Premium: 30 to 80, Gold Nonsmoker 30 to 75, Gold Smoker and Silver Nonsmoker Return of Premium at Surrender Rider (available for single premium sales only): 30 to 80, Gold Nonsmoker 30 to 75, Silver Nonsmoker 30 to 65, Gold Smoker Scheduled Required Premium: Underwriting Annual Premium-Paying Annual Premium-Paying Class Periods of 2 5 Years Periods of 6 10 Years Gold Nonsmoker 30 80 30 75 Gold Smoker 30 70 30 65 Silver Nonsmoker 30 65 30 65 Surrender Charges Decreasing over 8 policy years. Charges are a percentage of premium(s) paid and not considered previously withdrawn. Maximum charge is 9% in years 1 3, decreasing to 1% in year 8 and 0% thereafter. Lower charge percentages may apply on a policy due to a state s minimum nonforfeiture requirements. The surrender charges that are established at issue apply throughout the duration of the policy. Accelerated Death Benefit for terminal illness 1 Income Protection Option (IPO) No-Lapse Guarantee Endorsement Simplified issue underwriting, with limits based on insured s age, premiums paid, and premium-paying duration 3.00% guaranteed minimum interest rate Rider Return of Premium at Surrender (ROP) Rider 5 Loan Cost Regular loans available beginning in policy year 1. Preferred loans available beginning in year 11. Loan interest charged in arrears. Regular loans: interest rate is 4.75% (guaranteed) and 4.50% (current). Preferred loans: interest rate is 3.25% (guaranteed) and 3.00% (current). Interest credited with respect to loaned amounts at 3.0%. 10% Penalty-Free Withdrawals Market Strengths Yes (starting in year 2) Asset repositioning High current cash values provide potential for increases in death benefit Simplified issue underwriting Tax-efficient wealth transfer 8 Life Products

Index Universal Life Products Freedom Index Universal Life II SM /Freedom Global IUL II SM* Individual, flexible premium index universal life insurance policy Age last birthday 0 85 (0 80 in Florida) Minimum Premium $25 Minimum Face Amount Death Benefit Options No-Lapse 10 Guarantee Period $25,000 Level Increasing : 0 60 61 85 No-Lapse Period: Lesser of 20 Years or until age 65 5 years Premium Expense 6% current and guaranteed, except in Puerto Rico where the current charge is 10%, Charge 6 guaranteed not to exceed 12%. Index Account Monthly Charge 0.06% (0.72% annually) of the Index Account Value Taken on the monthly policy date through age 120, from the highest numbered segment first. Monthly Policy Fee 6 Current: $10 Guaranteed: Maximum $12 Cost of Insurance 6 Monthly Expense Charge 6 Policy Loans 7 The monthly cost of insurance (COI) charge depends on several factors such as the face amount, underwriting classification, age, gender, policy duration, and band. The COI charge will vary each month. Per $1,000 of face amount monthly charge, currently in effect for the first 8 years. Varies by issue age and tobacco use. Also applies to any Additional Insured Rider and face amount increases. Available after the free look period ends, may borrow the policy value minus the loan balance, minus the loan interest that will accrue prior to the next anniversary, minus the greater of the surrender charge or two Monthly Deductions. Minimum $500. Excess Index Interest for a Segment Period will not be credited on amounts taken as loans from an Index Account Segment prior to the end of the Segment Period. Withdrawals 7 Minimum $500 Maximum Cash Surrender Value minus $500 Charge Subject to a $25 withdrawal fee Excess Index Interest for a Segment Period will not be credited on amounts taken as withdrawals from an Index Account Segment prior to the end of the Segment Period. Surrender Charge Charge: Per $1,000 of the initial Face Amount and of each increase in Face Amount Period for Charge: The surrender charge applies for the first ten policy years and for ten years from the date of any Face Amount increase. Basis for Charge: Face Amount & duration of policy; Insured s issue age, gender, and risk class. These charges may be significant and should be carefully considered before surrendering the contract. Available Riders and Options Accidental Death Benefit Rider Additional Insured Rider Base Insured Rider Children s Benefit Rider Disability Waiver of Monthly Deductions Rider Disability Waiver of Premium Rider Full Policy Surrender Penalty Waiver Endorsement (Honeymoon Provision) 2 Guaranteed Insurability Rider Income Protection Option (IPO) Overloan Protection Rider (OPR) Terminal Illness Accelerated Death Benefit Rider 8 Available Accounts *These products not available in all jurisdictions. Freedom Index Universal Life II: Basic Interest Account & S&P 500 Index Account 9 Freedom Global IUL II: Basic Interest Account & Global Index Account t r a n s a m e r i c a 9

Index Universal Life Products TransNavigator SM IUL Minimum Face Amount Guaranteed Minimum Interest Rates Death Benefit Options No-Lapse 10 Guarantee Period Premium Expense Charge 6 Index Account Monthly Charge (IAMC) Individual, flexible premium index universal life insurance policy 0 85, except 0 75 in Florida; issue age 0 must be at least 15 days old $25,000 Index Accounts: 0% Basic Interest Account: 2% Level Increasing : 0 45 46 60 61+ Years: 20 To Age 65 5 Premium expense charges vary by age, sex and risk class. Please refer to the TransNavigator IUL Product Guide (OL 3196) for additional information. The Plus Index Account options have a 0.08333% IAMC (1% annually) Monthly Policy Fee 6 Current: $10 Guaranteed maximum: $12; this charge drops to zero at age 121 Cost of Insurance 6 The monthly cost of insurance (COI) charge depends on several factors such as the face amount, underwriting classification, age, gender, policy duration, and band. The COI charge will vary each month. Per Unit Charge 6 There is a Per Unit Charge for the first seven policy years (on a current basis) which varies by issue age, duration, sex, class of risk, and band. Guaranteed rates are level for the first 20 years, then increase to a new higher rate which is level until age 121. Policy Loans 7 Policy loans are available after the free look period. The minimum loan amount is the lesser of the maximum loan amount or $500. The maximum is Policy Value, minus any Loan Balance, minus loan interest that will accrue prior to the next anniversary on existing loans plus the new loan, minus the greater of the Surrender Charge or two Monthly Deductions. Excess Index Interest for a Segment Period will not be credited on amounts taken as loans from an Index Account Segment prior to the end of the Segment Period. Withdrawals 7 Withdrawals are allowed after the first policy anniversary. The minimum is $500; the maximum is Policy Value minus any existing loan balance, minus the amount of the Surrender Charge on a full surrender of the policy, minus $500. Withdrawals during a surrender charge period will be charged a partial surrender charge. Excess Index Interest for a Segment Period will not be credited on amounts taken as withdrawals from an Index Account Segment prior to the end of the Segment Period. Surrender Charge Period Partial Surrender Charges Available Riders/ Endorsements Additional Features Available Accounts We will deduct a surrender charge if the policy is surrendered during a Surrender Charge Period: ISSUE/INCREASE AGE SURRENDER CHARGE PERIOD 0 55 15 years 56 14 years 57 13 years 58 12 years 59 11 years 60+ 10 years During the surrender charge period, a partial surrender charge will be deducted for decreases in the face amount, withdrawals, or a change in the death benefit option as described in the policy. Accidental Death Benefit Rider Children s Benefit Rider Automatic Transferring 11 Dollar Cost Averaging 12 Income Protection Option (IPO) Long Term Care (LTC) Rider 13 Disability Waiver of Monthly Deductions Rider Overloan Protection Rider (OPR) Disability Waiver of Premium Rider Terminal Illness Accelerated Guaranteed Insurability Rider Death Benefit Endorsement 14 Goal Tracker Persistency Credit S&P 500 Index Account 9, Global Index Account, S&P 500 Plus Index Account 9, Global Plus Index Account 10 Life Products

Variable Universal Life Insurance Product Transamerica Journey SM Individual, flexible premium variable universal life policy Minimum Face Amount $100,000 Surrender Charge No Lapse Guarantee 10 Period Monthly Policy Fee 6 Cost of Insurance Charge 6 Monthly Expense Charge 6 Mortality & Expense Risk Charge (M&E) 6 0 85, Age Nearest Birthday A surrender charge is assessed only upon full surrender of the policy, not upon an elected face amount decrease or decrease due to a withdrawal. The surrender charge varies by age and lasts from 10 to 15 years depending on issue age. : 0-55 56 57 59 60+ No Lapse Period (years): 10 9 8 6 5 Current: $12 month per month Guaranteed: $15 per month; this charge drops to zero at age 121 A monthly charge based on the age, gender and risk classification of the insured, the policy s face amount band and duration, and the difference between the policy value and death benefit. The Monthly Expense Charge on the base policy will be charged for two to five years from issue or increase date, depending on the insured s gender and age at issue or increase and the face amount. This charge is also applied to any Additional Insured Rider for four years from the Rider issue date. Current: 0.00% all years Guaranteed: 0.60% years 1-10 0.30% years 11+ Premium Expense All but Puerto Rico Puerto Rico: Charge 6 Current: 5% years 1-5 Current: 9.00% years 1-5 2.5% years 6+ 6.50% years 6+ Guaranteed: 5% all years Guaranteed: 11.00% all years Benefits and Features Available Riders/ Endorsements 18 subaccounts Basic Interest Account with guaranteed minimum interest credited rate: 2.00% Goal Tracker Accidental Death Benefit Rider Additional Insured Rider Base Insured Rider Children s Benefit Rider Disability Waiver of Monthly Deductions Rider Asset Rebalancing 11 Dollar Cost Averaging 12 Policy Loans 7 Withdrawals 7 Disability Waiver of Premium Rider Income Protection Option (IPO) Long Term Care (LTC) Rider 13 Overloan Protection Rider (OPR) Terminal Illness Accelerated Death Benefit Endorsement 14 t r a n s a m e r i c a 11

Term Insurance Portfolio Trendsetter Super Series YRT, 10-, 15-, 20-, 25-, and 30-Year Guaranteed initial level premium term life insurance to age 105 Issue Limits $25,000 $99,999 Non-med 18 60 $25,000 $50,000 Non-med 61 70 (higher face amounts or ages within this band ($25,000 to $99,999) are medically underwritten) $100,000 and above medically underwritten $250,000 and up for YRT Preferred Plus underwriting class Term (age nearest birthday) YRT 18 80 10 Year 18 80 (18-70 Washington) 15 Year Nonsmokers; 18 75 (Band 1); 18 78 (Bands 2 5) Smokers: 18 70 (Band 1); 18 73 (Bands 2 5) Washington: 18 65 (All Bands) 20 Year Nonsmokers: 18 65 (Band 1); 18 70 (Bands 2 5) Smokers: 18 65 (All Bands) Washington: 18 60 (All Bands) 25 Year Nonsmokers: 18 60 (Band 1); 18 65 (Bands 2 5) Smokers: 18 55 (Band 1); 18 60 (Bands 2 5) Washington: 18 55 (All Bands) 30 Year Nonsmokers: 18 50 (Band 1); 18 58 (Bands 2 5) Smokers: 18 45 (Band 1); 18 53 (Bands 2 5) Washington: 18 45 (Band 1); 18 50 (Bands 2 5) Non-Medical Options Band Available for Non-Medical: Band 1: $ 25,000 $ 99,999 Ages: 18 60 Risk Classes Available for Non-Medical (Band 1): Standard Smoker, Standard Nonsmoker Premium and Rate Guarantee Level premium guaranteed for initial level premium period. After the guarantee period, premiums increase annually to age 105. (YRT has annually increasing premiums with premiums guaranteed for the first five years.) Riders Accelerated Death Benefit for terminal illness 1 Advanced Premium Discounts Band break for multiple policies 15 Banded premiums for more competitive pricing on large cases Conversion Option Endorsement Accident Indemnity Rider Children s Insurance Rider Return of Premium Rider 17 Waiver of Premium Rider 18 Income Protection Option (IPO) High maximum issue ages Policy fees are fully commissionable TOP and TOP Plus available 16 Waiver of policy fee for multiple policies 15 Conversion Available to the insured s 70th birthday (75th for Preferred Plus class) or end of initial level premium period, whichever occurs first. 12 Life Products

Term Insurance Portfolio Trendsetter LB Series 19 10-, 15-, 20-, 25-, and 30-Year Guaranteed initial level premium term life insurance to age 105 Banding/ Based on age last birthday. Maryland has unique issue ages. Band 1: $ 25,000 $ 99,999 Non-med Band 2: $100,000 $249,999 Non-med Band 3: $250,000 $499,999 Band 4: $500,000 $999,999 Issue ages for face amounts between $25,000 and $99,999 LB 10: 18 60 LB 15: 18 60 LB 20: 18 60 LB 25: 18 60 Nonsmokers; 18 49 Smokers (18 46 for Smokers in Maryland) LB 30: 18 50 Nonsmokers; 18 40 Smokers (18 38 for Smokers in Maryland) Issue ages for face amounts between $100,000 and $249,999 LB 10: 18 80 (18 79 for Smokers in Maryland) LB 15: 18 75 Nonsmokers; 18 73 Smokers LB 20: 18 70 Nonsmokers; 18 65 Smokers (18 69 for Nonsmokers in Maryland) LB 25: 18 63 Nonsmokers; 18 57 Smokers (18 54 for Smokers in Maryland) LB 30: 18 57 Nonsmokers; 18 46 Smokers (18 56 for Nonsmokers, and 18 43 in Maryland) Issue ages for face amounts between $250,000 and $999,999 LB 10: 18 80 LB 15: 18 75 Nonsmokers; 18 73 Smokers LB 20: 18 70 Nonsmokers; 18 65 Smokers LB 25: 18 65 Nonsmokers; 18 60 Smokers LB 30: 18 58 Nonsmokers; 18 53 Smokers Non-Medical Options Available Underwriting Classes Bands Available for Non-Medical: Band 1: $ 25,000 $ 99,999 Ages: 18 60 Band 2: $100,000 $249,999 Ages: 18 60 Fully Underwritten Preferred Plus Preferred Choice (Band 2 only) Preferred Nonsmoker Preferred Smoker Standard Plus Nonsmoker Standard Nonsmoker Standard Smoker Risk Classes Available for Non-Medical (Bands 1 and 2): Standard Smoker, Standard Nonsmoker, Standard Express Smoker, Standard Express Nonsmoker Non-Medical Standard Nonsmoker Standard Smoker Standard Express Nonsmoker (Non-med only) Standard Express Smoker (Non-med only) Premium and Rate Guarantees Level premium guaranteed for initial level premium period. After the guarantee period, premiums increase annually to age 105. Chronic Illness Accelerated Death Benefit embedded in the product 20 Conversion Option Endorsement Critical Illness Accelerated Death Benefit embedded in the product 20 Flexibility for fully underwritten policies in Bands 3 and 4, and in Band 2 for Preferred Choice class. Income Protection Option (IPO) Non-med underwriting from $25,000 to $249,999. Terminal Illness Accelerated Death Benefit embedded in the product 20 TOP and TOP Plus are available 21 Riders Accident Indemnity Rider Children s Insurance Rider Monthly Disability Income Rider 21 Waiver of Premium Rider Conversion Available to the insured s 70th birthday (75th for Preferred Plus class) or end of initial level premium period, whichever occurs first. t r a n s a m e r i c a 13

Term Insurance Portfolio Trendsetter Express Series 10-, 15-, 20-, 25-, and 30-Year Guaranteed initial level premium term life insurance to age 105 Banding/ Based on age last birthday. Band 1: $ 25,000 $ 99,999 Non-med Band 2: $100,000 $249,999 Non-med Band 3: $250,000 $499,999 Band 4: $500,000 $999,999 Issue ages for face amounts between $25,000 and $99,999 Express 10: 18 60 Express 15: 18 60 Express 20: 18 60 Express 25: 18 60 Nonsmokers; 18 49 Smokers Express 30: 18 50 Nonsmokers; 18 40 Smokers Issue ages for face amounts between $100,000 and $249,999 Express 10: 18 80 Express 15: 18 75 Nonsmokers; 18 73 Smokers Express 20: 18 70 Nonsmokers; 18 65 Smokers Express 25: 18 6 Nonsmokers; 18 57 Smokers Express 30: 18 57 Nonsmokers; 18 46 Smokers Issue ages for face amounts between $250,000 and $999,999 Express 10: 18 80 Express 15: 18 75 Nonsmokers; 18 73 Smokers Express 20: 18 70 Nonsmokers; 18 65 Smokers Express 25: 18 65 Nonsmokers; 18 60 Smokers Express 30: 18 58 Nonsmokers; 18 53 Smokers Non-Medical Options Available Underwriting Classes Bands Available for Non-Medical: Band 1: $ 25,000 $ 99,999 Ages: 18 60 Band 2: $100,000 $249,999 Ages: 18 60 Fully Underwritten Preferred Plus Preferred Choice (Band 2 only) Preferred Nonsmoker Preferred Smoker Standard Plus Nonsmoker Standard Nonsmoker Standard Smoker Risk Classes Available for Non-Medical (Bands 1 and 2): Standard Smoker, Standard Nonsmoker, Standard Express Smoker, Standard Express Nonsmoker Non-Medical Standard Nonsmoker Standard Smoker Standard Express Nonsmoker (Non-med only) Standard Express Smoker (Non-med only) Premium and Rate Guarantees Riders Conversion Level premium guaranteed for initial level premium period. After the guarantee period, premiums increase annually to age 105. Conversion Option Endorsement Flexibility for fully underwritten policies in Bands 3 and 4, and in Band 2 for Preferred Choice class. Income Protection Option (IPO) Non-med underwriting from $25,000 to $249,999. Terminal Illness Accelerated Death Benefit 1 TOP and TOP Plus are available 22 Accident Indemnity Rider Children s Insurance Rider Monthly Disability Income Rider 22 Waiver of Premium Rider Available to the insured s 70th birthday (75th for Preferred Plus class) or end of initial level premium period, whichever occurs first. 14 Life Products

Final Expense Solutions Portfolio Immediate Solution 10 Pay Solution Easy Solution Immediate Level Death Benefit Final Expense first day FULL coverage Immediate Level Death Benefit Final Expense first day FULL coverage Graded Death Benefit or 2-year of premium (varies by jurisdiction) Simplified Underwriting Available Available Available Guaranteed Period Level premiums to age 121. This product endows at age 121. Level premiums for 10 years. This product endows at age 121. Level premiums to age 121. This product endows at age 121. Risk Classes Available Male and female, preferred and standard, nonsmoker and smoker Male and female, preferred and standard, nonsmoker and smoker Male and Female Application Needed Ages 0 44: L123 Ages 45 85: L122 Ages 0 44: L123 Ages 45 85: L122 Ages 18 44: L123 Ages 45 80: L122 (Age Last Birthday) 0 85 23 0 85 18 80 18 70 Male (PA) 18 76 Female (PA) Face Amounts Available $1,000 $50,000 (issue ages 0 55) $1,000 $40,000 (issue ages 56 65) $1,000 $50,000 (issue ages 0 55) $1,000 $40,000 (issue ages 56 65) $1,000 $25,000 (may vary by issue state) $1,000 $30,000 (issue ages 66 75) $1,000 $30,000 (issue ages 66 75) $1,000 $25,000 (issue ages 76 85) $1,000 $25,000 (issue ages 76 85) Cash Values Scheduled in the policy Scheduled in the policy Scheduled in the policy Riders Accidental Death Benefit rider 24 None None Children/Grandchildren rider 24 Options & Endorsements Accelerated Death Benefit for terminal illness 1 Accelerated Death Benefit with Nursing Home Benefit (varies by jurisdiction) Accelerated Death Benefit for terminal illness 1 Accelerated Death Benefit with Nursing Home Benefit (varies by jurisdiction) None Death Benefit Immediate first day full coverage Immediate first day full coverage Graded level after 3rd policy year Level Premiums LP 121 10 Pay LP 121 Guaranteed Minimum Interest Rate 5% 5% 5% t r a n s a m e r i c a 15

Guaranteed Whole Life/Final Expense Insurance Portfolio GWL Final Expense Issue Limits $50,001 $3,000,000 25 $2,000 $50,000 $15,001 and up North Carolina, Oregon, Iowa, Nevada and Utah $25,000 and up Washington $25,001 and up West Virginia 0 80, Age Nearest Birthday 0 80, Age Nearest Birthday Premium and Rate Guarantee Level to age 100 Level to age 100 Accelerated Death Benefit Endorsement 1 Children s Insurance Rider Waiver of Premium 100% death benefit in all years Offers cash value Offers guaranteed whole life insurance for burial and final expenses Policy loans Simplified underwriting Conversion Yes Not applicable 16 Life Products

Whole Life Portfolio TransSecure II Minimum Face Amount (Min/Max) Surrender Charges Required Premium Period Loan Cost (Net Effective Annual Loan Rate) 10% Penalty-Free Withdrawals Market Strengths Single-life, nonparticipating, limited-payment, interest-sensitive whole life insurance $25,000 Qualified ($5,000 Qualified policies that meet Limited Underwriting Program criteria) $100,000 Nonqualified 20 80 years (age last birthday) Decreasing over 10 policy years (applies to accumulation value, not to guaranteed minimum cash value) Required Fixed Level Premium for the duration of the Premium Payment Period Premium Payment Period elected by the policy owner at issue and cannot be changed Accelerated Death Benefit 1 Automatic Premium Payment provision Coverage Continuation Option Guaranteed coverage with guaranteed minimum cash values if required premiums paid as scheduled Potential for net cash value in excess of guaranteed minimums based on current interest credits Premium Loan Provision Premium payment periods available: one-pay (one policy year) and limited payment periods ranging from a minimum of 5 policy years to a maximum period equal to payment to age 65 or, if later, 15 policy years Qualified Plans Limited Underwriting Program: available on a limited underwriting basis for face amounts of at least $5,000 but less than $25,000 for sale to approved qualified plans Class A loans: Available beginning in policy year 8, net loan rate is zero (0.25% maximum guaranteed) for loans up to 25% of cash value or, if less, maximum loan amount. Class B loans: Available beginning in policy year 1, net loan rate of 2.5% (current and guaranteed). Class B loans are all loans other than Class A loans. Not applicable. Partial surrenders available from excess cash value (cash value in excess of guaranteed minimum cash value, reduced by policy debt). Other limits apply during premium payment period. No surrender charges for partial surrenders. $25 partial surrender fee applies. Ability to select limited pay period Accepts 1035 Exchanges, useful for plan takeovers Guaranteed coverage with guaranteed minimum cash values Suitable for 412(e)(3) and split-funded defined benefit markets Unisex rates t r a n s a m e r i c a 17

1 Benefits advanced under this option may be taxable. 2 Subject to minimum funding requirements. 3 Transamerica Life Insurance Company and its representatives do not give tax advice. Neither the Internal Revenue Code (IRC) nor the Internal Revenue Service (IRS) has defined life insurance beyond age 100 or addressed the tax effects of attaining age 100 or the actual or constructive receipt of proceeds at that time or later. Clients should be urged to consult with and rely solely upon their own independent advisors regarding their particular situation. 4 If the Policy Threshold requirements are not met, then fluctuations in interest rates and/or policy charges may require the payment of additional premiums to keep the policy in force. 5 In Utah, rider is called Minimum Cash Surrender Value Rider. In most cases, TransProtector is considered a Modified Endowment Contract (MEC), and distributions are treated first as taxable distributions of contract earnings in the policy. Withdrawals, loans, and assignments are considered distributions. Taxable distributions from a MEC prior to policy owner s age 59½ may also be subject to a 10% federal income tax penalty. For applicants who do not qualify for Simplified Issue underwriting, full underwriting will apply. 6 The Company has the right to change current charges and cost of insurance rates. The Company may not charge more than the guaranteed maximum charge or rates. Any changes to charges or rates will be based on our expectations as to future cost factors. Such cost factors may include, but are not limited to, mortality, interest, persistency, expenses, reinsurance costs and state and federal taxes. 7 Distributions such as loans and withdrawals can only be made if the policy has been in force long enough to accumulate sufficient value. Loans, withdrawals and death benefit accelerations will reduce the policy value and death benefit. Loans are subject to interest charges. If a policy lapses while a loan is outstanding, adverse tax consequences may result. Policy loans are generally not taxable when taken and cash withdrawals are not taxable until they exceed basis in the policy. However, if the policy is treated as a modified endowment contract (MEC) by IRC Sec. 7702A, withdrawals and loans are taxable at an ordinary income tax rate when taken to the extent of gain in the contract and may also be subject to a 10% federal income tax penalty if taken prior to age 59½. Cash distributions associated with benefit reductions, including reductions caused by withdrawals during the first 15 years, may be taxable. Policy owners should consult with their tax advisor regarding their particular situation. 8 Eligibility for the Terminal Illness Accelerated Death Benefit is determined by a condition resulting from injury or illness which, as determined by a physician, has reduced life expectancy to not more than 12 months, not more than 24 months in TX, GA, IL, MA, and WA, from the date of the physician s statement. The policy s benefits and values will be reduced proportionally in accordance with the benefits advanced under this rider. Benefits paid under this rider are generally federal income tax-free but may be subject to taxation under some business related policies. Policyowners should consult their tax advisor. 9 S&P is a registered trademark of Standard & Poor s Financial Services LLC ( S&P ) and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ). The foregoing trademarks have been licensed for use by S&P Dow Jones Indices LLC. S&P and S&P 500 are trademarks of S&P and have been licensed for use by S&P Dow Jones Indices LLC and the Company. The S&P 500 index is a product of S&P Dow Jones Indices LLC and has been licensed for use by the Company. This policy is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P nor their respective affiliates make any representation regarding the advisability of purchasing this policy. 10 The risk of policy lapsing increases if the minimum no-lapse premium set forth in the policy is not paid regularly. If a cash withdrawal or a loan is taken, the Face Amount is increased, the death benefit option is changed, or if a rider is added or the amount of a rider is increased, additional premiums may be required in order to keep the No-Lapse Guarantee in effect. After the no-lapse guarantee period or if the cumulative minimum monthly no-lapse premium requirements are not met, then the payment of additional premiums may be required to keep the policy in force. Any guarantees associated with this policy are based on the claims paying ability of Transamerica Life Insurance Company. 11 Not available if Dollar Cost Averaging is active. 12 Not available if Asset Rebalancing or Automatic Transferring is active. 13 Licensing and continuing education requirements for the LTC Rider will vary by jurisdiction. The producer must have Accident and Health (A&H) Authority on their state insurance license before soliciting and selling the LTC Rider. Many states also have continuing education requirements to obtain authority to sell the LTC Rider. In addition, some states require that producers be certified to sell both Partnership and Non-Partnership LTC policies. The LTC Rider does not qualify under the Partnership program. However, in order to sell the policy with the LTC Rider in states that have a Partnership program in place, the required training must be completed. For more information on how to get licensed, please contact the Transamerica Life Insurance Company licensing department. Benefits advanced under this option may be taxable. 14 Eligibility for the Terminal Illness Accelerated Death Benefit is determined by a condition resulting from injury or illness which, as determined by a physician, has reduced life expectancy to not more than 12 months from the date of the physician s statement. The policy s benefits and values will be reduced proportionally in accordance with the benefits advanced under this endorsement. Benefits paid under this rider are generally federal income tax-free but may be subject to taxation under some business related policies. Not available in all states. Clients should consult a tax advisor. 15 Must be on the same insured, applied for and underwritten simultaneously. Policy fees will be waived on the shorter (secondary) duration policy. 16 Not available on Trendsetter Super 10. 17 Available on Trendsetter Super 20 and Trendsetter Super 30 only. Not available if Waiver of Premium is selected. 18 Not available if the policy has Return of Premium. 19 Benefits provided through the Living Benefits, including the critical, chronic and terminal illness accelerated death benefits, are subject to certain limitations and exclusions. Amounts payable under the benefits vary based in part on the nature and severity of the Insured s health condition and the Insured s remaining life expectancy at the time of the acceleration as determined by the company. 20 Subject to state availability. Benefits advanced under this option may be taxable. 21 Not available on Trendsetter LB 10. 22 Not available on Trendsetter Express 10. 23 Maximum issue age varies by issue age and rate class. 24 Riders are only available on Immediate Final Expense LP 121 and issue ages are limited. 25 Subject to retention limits. $2,000-$50,000 available for conversions. 18 Life Products

This brochure is intended only to highlight the products. Product specifications may vary, and these products and/or features may not be available in all jurisdictions. Contact Transamerica for information and additional product details. Life insurance policies are issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Distributor for variable products: Transamerica Capital, Inc., Member FINRA For producer use only. Not for distribution to the public. OL 630 0814