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Page 1: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Transamerica Agency Network – Career Group

Product Portfolio

Page 2: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Policy Type TERM LIFE

Product Name Trendsetter® Super Series Trendsetter® LB Series

Description Guaranteed level premium term life insurance

Term Life Insurance to age 105 YRT is term to 95

Simplified Issue Term Available to $249,999Accelerated Death Benefit Options includedTerm Life Insurance to age 105

Issue Ages Issue Ages Issue Ages over Washington Issue under $100,000 $100,000 Ages OnlyYRT N/A 18 - 80 18 - 8010 Year 18 - 80 18 - 80 18 - 7015 Year 18 - 75 (NS) 18 - 78 (NS) 18 - 65 (NS & S) 18 - 70 (S) 18 - 73 (S) 20 Year 18 - 65 18 - 70 (NS) 18 - 60 (NS & S) 18 - 65 (S)25 Year 18 - 60 (NS) 18 - 65 (NS) 18 - 55 (NS & S) 18 - 55 (S) 18 - 60 (S) 30 Year 18 - 50 (NS) 18 - 58 (NS) 18 - 50 (NS & S) 18 - 45 (S) 18 - 53 (S) over $100,000 18-45 (Smokers under $100,000

Band 1 Band 2 Band 3 & 4 10 Year 18 - 60 18 - 80 18 - 80 18 - 79**15 Year 18 - 60 18 - 75 (NS) 18 - 75 (NS) 18 - 73 (S) 18 - 73 (S)20 Year 18 - 60 18 - 70 (NS) 18 - 70 (NS) 18 - 69* 18 - 65 (S) 18 - 65 (S)25 Year 18 - 60 (NS) 18 - 63 (NS) 18 - 65 (NS) 18 - 49 (S) 18 - 57 (S) 18 - 60 (S) 18 - 46** 18 - 54**30 Year 18 - 50 (NS) 18 - 57 (NS) 18 - 58 (NS) 18 - 40 (S) 18 - 56* 18 - 53 (S) 18 - 38** 18 - 46 (S) 18 - 43***Maryland NonSmoker issue limits**Maryland Smoker issue limits

Issue Ages Based Upon

Age nearest birthday Age last birthday

Minimum Face Amount

$25,000Standard Plus and Preferred Classes are available for Face amounts starting at $100,000 and higher (YRT minimum $100,000 ($250,000 Preferred Plus class))

$25,000

Minimum Premium Amount

For direct monthly, the base policy annual premium must be $1,000 or higher N/A

Guarantee Period

Initial Level premium guarantee periods are 10, 15, 20, 25 and 30 Initial Level premium guarantee periods are 10, 15, 20, 25 and 30

Death Benefit Level Level

Banding 1) $ 25,000 - $ 99,999 2) $ 100,000 - $249,999 3) $ 250,000 - $499,9994) $ 500,000 - $999,9995) $1,000,000 and above

1) $ 25,000 - $ 99,999 2) $ 100,000 - $ 249,999 3) $ 250,000 - $ 499,9994) $ 500,000 - $2,000,000

Policy Fee Band 1: $60Band 2 - 5: $30YRT Band 1 - 2: $70

Band 1: $60Band 2, 3, & 4: $30

Available Riders & Endorsements

Accident Indemnity RiderChildren’s Insurance RiderWaiver Provision Rider

Accident Indemnity RiderChildren’s Insurance RiderMonthly Disability Income RiderWaiver of premium

Special Features & Benefits

Terminal Illness Accelerated Death Benefit1

Income Protection Option (IPO)***Terminal Illness Accelerated Death Benefit Option1

Chronic Illness Accelerated Death Benefit Option1

Critical Illness Accelerated Death Benefit Option1 Income Protection Option (IPO)***

Guaranteed MinimumInterest Rate

N/A N/A

Additional Information

No face increases are allowed No face increases are allowed

Conversion Option

This option must be exercised before the earlier of the end of the initial level premium period or the insured’s 70th birthday (75th birthday for Preferred Plus class).

This option must be exercised before the earlier of the end of the initial level premium period or the insured’s 70th birthday (75th birthday for Preferred Plus class).

Required Premium Period

N/A N/A

Transamerica Product Portfolio

Page 3: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Policy Type UNIVERSAL LIFE INDEX UNIVERSAL LIFE

Product Name TransACE® CV (for conversion only) Freedom Index Universal Life IISM

Freedom Global IUL IISM*

Description No-lapse guaranteed flexible-premium universal life insurance policy. Available for traditional term conversions.

Index Universal Life Insurance

Issue Ages 16 - 75 All risk classes 0 - 75 Standard nonsmoker and nonsmoker

0 - 17 Juvenile 18 - 70 Preferred Elite 18 - 70 Preferred Plus 18 - 75 Preferred 18 - 85 Nontobacco (18-80 in Florida) 18 - 75 Preferred Tobacco 18 - 85 Tobacco (18-80 in Florida)

Issue Ages Based Upon

Age nearest birthday Age last birthday

Minimum Face Amount

$25,000 Preferred plus$100,000 Preferred plus nonsmoker

$25,000 Preferred classes are available if base face amount qualifies for Blood Testing. No preferred classes available over age 75, and no Preferred Elite or Preferred Plus over age 70.

Minimum Premium Amount

$25 $25 or calculated premium, whichever is greater

Guarantee Period

Lifetime2 Provided the cumulative Minimum Monthly No Lapse Premium requirements4 are met, each policy has a No Lapse Period as follows:Issue Ages 0 - 60: lesser of 20 years or until age 65 Issue Ages 61 - 85: 5 years

Death Benefit Level Level or Increasing

Banding 1) $ 25,000 - $ 99,999 2) $ 100,000 - $249,999 3) $ 250,000 and up

1) $ 25,000 - $100,000 2) $ 100,001 - $249,999 3) $ 250,000 - $499,9994) $ 500,000 and above

Policy Fee Part of the monthly deduction $10/month current; $12/month guaranteed

Available Riders & Endorsements

Accelerated Death Benefit (in approved states)1 Accident Indemnity RiderChildren’s Insurance Rider Guaranteed Insurability RiderMultiFlex Surrender Enhancement Endorsement3

No-Lapse Guarantee EndorsementSurrender Charge Waiver Endorsement3 (“Honeymoon Provision”)Surrender Penalty Deferral Endorsement3

Waiver Provision Rider

Accidental Death Benefit Rider Additional Insured RiderBase Insured Rider Children’s Benefit RiderDisability Waiver of Monthly Deductions Rider5

Disability Waiver of Premium Rider4 Guaranteed Insurability Benefit Rider Income Protection Option***Overloan Protection RiderTerminal Illness Accelerated Death Benefit Rider1

Special Features & Benefits

Automatic Premium LoanIncome Protection Option (IPO)***Insured Exchange Option

Intended for individuals who are looking for a product that could offer the potential to earn interest based upon outside indexes and are willing to assume certain risks. The Freedom Index Universal Life II offers an S&P 500® Index Account which utilizes the S&P 500® Index to determine Excess Index Interest.The Freedom Global IUL II offers a Global Index Account which utilizes the S&P 500® Index, the EURO STOXX 50® Index, and the Hang Seng Index to determine Excess Index Interest.

Guaranteed MinimumInterest Rate

2% Global Index Account: 1%S&P 500® Index Account: 1% Basic Interest Account: 2%

Additional Information

Surrender Charge Period: Decreasing over 20 Policy YearsLoan Availability: Loans are available any time after issue as long as there is net cash value.No face increases are allowed.

Surrender charges apply for the first 10 policy years and for ten years from the date of any Face Amount increase.Loan Availability: Allowed after the free look period ends.

Conversion Option

Refer to the Term Conversion Guide to Doing Business for eligible term products to convert to this product.

Conversions from term policies are allowed during the term contract’s first 5 years.

Required Premium Period

Five years N/A

Transamerica Product Portfolio

Page 4: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE

Product Name Transamerica Financial Foundation IULSM (FFIUL)

Description Index Universal Life Insurance

Issue Ages 0 - 17 Juvenile 18 - 70 Preferred Elite 18 - 70 Preferred Plus 18 - 75 Preferred 18 - 85 Nontobacco (18-75 in Florida) 18 - 75 Preferred Tobacco 18 - 85 Tobacco (18-75 in Florida)

Issue Ages Based Upon

Age last birthday

Minimum Face Amount

$25,000 Preferred classes are available if base face amount qualifies for Blood Testing. No preferred classes available over age 75, and no Preferred Elite or Preferred Plus over age 70.

Minimum Premium Amount

$25 or calculated premium, whichever is greater

Guarantee Period

Provided the cumulative Minimum Monthly No Lapse Premium requirements4 are met, each policy has a No Lapse Period as follows:Issue Ages 0 - 60: lesser of 20 years or until age 65 Issue Ages 61 - 85: 5 years

Death Benefit Level or Increasing

Banding 1) $ 25,000 - $ 99,999 2) $ 100,000 - $499,999 3) $ 500,000 and above

Policy Fee $10/month current; $12/month guaranteed

Available Riders & Endorsements

Accidental Death Benefit Rider Additional Insured RiderBase Insured Rider Children’s Benefit RiderDisability Waiver of Monthly Deductions Rider5

Disability Waiver of Premium Rider6 Guaranteed Insurability Benefit Rider Income Protection Option***Overloan Protection RiderLong Term Care RiderTerminal Illness Accelerated Death Benefit Rider1

Special Features & Benefits

Intended for individuals who are looking for a product that could offer the potential to earn interest based upon outside indexes and are willing to assume certain risks. The FFIUL offers both an S&P 500® Index Account, which utilizes the S&P 500® Index to determine Excess Index Interest, and a Global Index Account which utilizes the S&P 500® Index, the EURO STOXX 50® Index, and the Hang Seng Index to determine Excess Index Interest. Additionally, there is a Basic Interest Account which earns interest at a rate declared by the company.

Guaranteed MinimumInterest Rate

Global Index Account: 0.75%S&P 500® Index Account: 0.75% Basic Interest Account: 2%

Additional Information

Surrender charges apply for the first 15 policy years and for fifteen years from the date of any Face Amount increase.Loan Availability: Allowed after the free look period ends.

Conversion Option

Conversions from term policies are allowed during the term contract’s first 5 years, subject to conversion guidelines.

Required Premium Period

N/A

Page 5: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Policy Type FINAL EXPENSE

Product Name Immediate Solution (LP121) 10 Pay Solution (10 Pay Life) Easy Solution (Graded Death Benefit)

Description Immediate Level Death Benefit – first day FULL coverage Immediate Level Death Benefit – first day FULL coverage Graded Death Benefit or 2-year of premium (varies by jurisdiction)

Issue Ages 0 - 85 0 - 85 18 - 80 18 - 70 Male (PA) 18 - 76 Female (PA)

Issue Ages Based Upon

Age last birthday Age last birthday Age last birthday

Minimum Face Amount

$1,000 $1,000 $1,000 $5,000 (PA)

Minimum Premium Outlay

N/A N/A N/A

Guarantee 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

Death Benefit Level Level Level

Maximum Face Amounts

0-55 $50,00056-65 $40,00066-75 $30,00076-85 $25,000

0-55 $50,00056-65 $40,00066-75 $30,00076-85 $25,000

$1,000 - $25,000

Policy Fee Face Amounts $5,000+ Face Amounts Less Than $5,000 Annual: $42.00 Annual: $60.00Semi-Annual: $21.00 Semi-Annual: $30.00 Quarterly: $10.50 Quarterly: $15.00 Monthly: $3.50 Monthly: $5.00

Face Amounts $5,000+ Face Amounts Less Than $5,000 Annual: $42.00 Annual: $60.00Semi-Annual: $21.00 Semi-Annual: $30.00 Quarterly: $10.50 Quarterly: $15.00 Monthly: $3.50 Monthly: $5.00

Face Amounts $5,000+ Face Amounts Less Than $5,000Annual: $42.00 Annual: $60.00Semi-Annual: $21.00 Semi-Annual: $30.00 Quarterly: $10.50 Quarterly: $15.00 Monthly: $3.50 Monthly: $5.00

Available Riders & Endorsements

Accidental Death Benefit RiderChildren/Grandchildren Rider

N/A N/A

Special Features & Benefits

Accelerated Death Benefit Rider1

Accelerated Death Benefit Rider with Nursing Home Benefit1 (varies by jurisdiction)Simplified Issue Underwriting

Accelerated Death Benefit Rider1

Accelerated Death Benefit Rider with Nursing Home Benefit1 (varies by jurisdiction)Simplified Issue Underwriting

Unismoke Class, Simplified Issue Underwriting

Guaranteed MinimumInterest Rate

4.5% 4.5% 4.5%

Additional Information

Most policies issued within 72 hours after receipt in the Home Office

Most policies issued within 72 hours after receipt in the Home Office

Most policies issued within 72 hours after receipt in the Home Office

Conversion Option

N/A N/A N/A

Required Premium Period

N/A N/A N/A

Transamerica Premier Life Product Portfolio

Page 6: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Product Name Dynamax

LP95 20 Pay Life Easy Acceptance

Description Traditional whole life with the benefit of earning excess interest. Guaran- teed level premiums with guaranteed cash values.

Level Premium whole life with cash values, premiums and death benefits that are guaranteed for the life of the policy.

Limited payment whole life with cash values, premiums and death benefits that are guaranteed for the life of the policy.

Not offered at time of sale – this is a counteroffer.

This is a 20 Pay Life Graded Death Benefit that provides a level amount of insurance after the 2nd or 3rd year, payable at the death of the insured.

Issue Ages 0 - 75 0 - 80 0 – 74 18 – 80 – most states. See the Product Help File for your individual state.

Face Amount 10,000 and over 2,000 and over 2,000 to 25,000 1,000 to 25,000 – most states. See the Product Help File for your individual state.

Special Features and Benefits

N/A N/A N/A N/A

Conversion Option

N/A N/A N/A N/A

Required Premium Period

To age 100 To age 95 20 Years 20 Years

Loan Availability Yes, when cash value is present Yes, when cash value is present Yes, when cash value is present Yes, when cash value is present

Banding 10,000 - 24,999 25,000 - 49,999 50,000 - 99,999100,000 and over

2,000 - 4,999 5,000 - 9,999 10,000 - 24,999 25,000 - 49,999 50,000 - 99,999100,000 - 249,999250,000 and over

2,000 - 4,999 (1,000 - 4,999 ages 50 and over) 5,000 - 9,99910,000 - 25,000

One Band

Death Benefit Options

Level Level Level Graded Death Benefit that provides a level amount of insurance after the 2nd or 3rd year

Available Riders Accidental Death BenefitChildren’s Term RiderContinued Insurability Deposit Fund Flex Term 7 (over 24,999 face amount)Multiple Coverage Benefits (under 25,000 face)Single Premium WL Rider Waiver of Premium

Accidental Death BenefitChildren’s Term RiderContinued Insurability Deposit Fund Flex Term 7Multiple Coverage BenefitWaiver of Premium

Children’s Term RiderContinued Insurability Deposit Fund Flex Term 7Multiple Coverage Benefit

None

Who is an ideal prospect?

This prospect is looking for a strong permanent Cash Value policy for larger needs and it generally provides a paid-up policy for 90% of the face value after only 20 years of premium payments.

Prospects who have a need for a fixed amount of permanent life insurance usually to cover a specific need such as final expenses.

Prospects who would like a fully paid-up policy in 20 years. Often a gift from a parent or grandparent.

Prospects who have been declined a traditional plan under 50,000 are offered this coverage.

See Product Help File for specific details for all policies and riders/benefits.

Transamerica Premier Life Product Portfolio

Page 7: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Product Name FlexTerm 7

Cancer Check andCancer Expense

Total Accident Protection

Description 7 year term that provides level protection. Premiums are guaranteed for the 1st year after issue and Intermediate thereafter.

Products vary by state. See the Product Help File for your State specific Details

The Total Accident Protection policy provides guaranteed level accidental death and dismemberment protection. Additional death benefits are available for specific accidental deaths along with living benefits for loss of eyesight and limb.

See Product Help File for Details.

Issue Ages 18 – 80 N/A 0 – 60

Face Amount 25,000 and over N/A Sold by Unit

Special Features and Benefits

N/A N/A N/A

Conversion Option

Yes N/A N/A

Required Premium Period

7 Years - guaranteed renewable every 7 years N/A N/A

Loan Availability N/A N/A N/A

Banding 25,000 - 50,000 50,001 - 99,999 100,000 - 249,999 250,000 - and up

N/A N/A

Death Benefit Options

Level N/A N/A

Available Riders Accidental Death Benefit RiderChildren’s Term RiderDeposit FundJoint Waiver of Premium RiderSeven Year Term Life Insurance Rider for Additional InsuredWaiver of Premium Rider

N/A N/A

Who is an ideal prospect?

Prospects who have a need for a large amount of protection. Great for Income Replacement.

Prospects interested in protecting themselves and their family from the financial devastation caused by cancer.

Prospects who travel, play sports, or have children who play sports.

See Product Help File for specific details for all policies and riders/benefits.

Transamerica Premier Life Product Portfolio

Page 8: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Issue Ages

Accidental Death Benefit

Children’s Term Rider

Continued Insurability Benefit

Deposit Fund

0 - 60 15 - 50 0 – 37 (see Product Help File)

Can be added to all Whole Life and Term Policies

What Products Can It Be Attached To?

DynamaxFlex Term 7

20 Pay LifeDynamaxFlex Term 7Life Paid up at 95

20 Pay LifeDynamax

Can be added to all Whole Life and Term Policies

What Does It Cover?

Increases the benefit 1 to 2 times

See Product Help File

Dependent Children are covered in $1,000 units. Minimum unit is 1 and the maximum is the greater of 3 units or 1 unit per $2,000 of face amount of the base policy up to 25 units. Each insured child may convert his or her insurance upon it’s expiry, without evidence of insurability to a permanent or level premium, level benefit term plan with an amount not over 5 times the amount of insurance. See the Product Help File for more details.

The policy owner has the option to purchase, without evidence of insurability, amounts of insurance on the insured’s life up to the continued insurability amount. See Product Help File for details.

Deposits may be made in amounts of not less than $10.00 each. Maximum deposit in any contract year shall not exceed an amount equal to the premiums becoming due in such year plus 10% of the total face amount of the policy.

Ideal Prospect Prospects/Clients who have a need to extend their coverage in the event of an accident.

Great for Prospects/Clients who travel and have a need for more coverage in the event of an accident.

Prospects/Clients who have a need to protect their dependent children and their future insurability.

Great for all Prospects who have Dependent Children.

Prospects/Client who have the need to purchase, without evidence of insurability, amounts of insurance on the Insured’s life up to the continued insurability amount.

Great for Prospects/Clients who can not afford all the permanent protection they would like.

Prospects/Clients who have a need to accumulate funds for future use such as Annuities, Future Premium Payments or other various reasons.

Transamerica Premier Life Riders (Refer to the Product Guide for the Financial Foundation IULSM - FFIUL riders)

Page 9: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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Issue Ages

Dynamic/Single Premium Rider

Guaranteed Insurability Benefit

Multiple Coverage Benefit

Waiver Of Premium

0 – 75 2 – 45 0 – 58 5 – 58

What Products Can It Be Attached To?

This rider provides a paid-up life insurance benefit and accumulates cash value. The life insurance amount will be that which can be purchased with the funds deposited, when applied as a single premium. Note: This rider is written only on a standard basis. No substandard underwriting accepted.

Automatically included in all standard single life policies with no additional premium. The new policy will have the same occupational rating as the original policy.

10 Pay Life 15 Pay Life 20 Pay Life Dynamic Life Paid-up at 65 Life Paid-up at 95 Value Term 5

See Individual Products for Availability

What Does It Cover?

This rider provides a paid-up life insurance benefit and accumulates cash value. The life insurance amount will be that which can be purchased with the funds deposited, when applied as a single premium. Note: This rider is written only on a standard basis. No substandard underwriting accepted.

The policy owner has the option to purchase, without evidence of insurability, an amount of insurance on the insured’s life up to the lesser of $25,000 or the base policy amount, on either the first or second anniversary. The new policy, which will be issued at the then attained age, may be a permanent or level premium, level benefit term plan. Additional benefits will be included only with the consent of the company. Waiver of Premium and Acciden-tal Death Benefit shall be included only if in the original policy.

Waiver of PremiumAccidental DeathDismembermentCommon Carrier

The premium for the product to which the benefit is attached is waived if theinsured becomes totally disabled be-tween the anniversaries next followingthe 5th and 60th birthdays and remains disabled for at least 180 days. If thedisability ceases, premiums again become payable.

Ideal Prospect Prospects/Clients who have a need to purchase paid-up coverage via a single payment. Great for someone who would like to make a one time premium payment to protect a single need.

Prospects/Clients who have the need to purchase, without evidence of insurability, an amount of insurance on the insured’s life up to the lesser of $25,000 or the base policy amount. Great for Prospects/Clients who may need future protection increases. An example is a Prospect/Cli-ent who can not afford all the permanent protection they would like at the time of the original purchase.

Prospects/Clients who would like to address multiple needs using one rider. Great for all Prospects/Clients, especially ones who are very active with travel or sports.

Everyone

Transamerica Premier Life Riders (Refer to the Product Guide for the Financial Foundation IULSM - FFIUL riders)

Page 10: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

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.

The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland, (the “Licensor”), which is used under license. The Freedom Global IUL II policies based on the Index is in no way sponsored, endorsed, sold or promoted by the Licensor and the Licensor shall have no liability with respect thereto.

Please read the full disclaimer in the Freedom Global IUL II and the Transamerica Financial Foundation IUL policies regarding the Hang Seng Index in relation to the policies

***A portion of each monthly payment and a portion of the final lump sum payable under the policy’s Income Protection Option are reportable as interest income. The policy illustration provides the tax-reportable percentage for each monthly income payment and the final lump sum based on a 3% guaranteed minimum interest rate and the illustrated face amount. Upon the insured’s death, the actual taxable portion of each monthly payment will be calculated and communicated to the beneficiary(ies) based on the actual payout amounts. The taxable portion of the final lump sum payment will be determined when the payment is made.

1 Accelerated Death Benefits will be available when the Insured has been diagnosed with a Qualifying Event, as described in the rider, while the policy and the rider are in force. Benefits advanced under this rider may be subject to taxation. Limitations and Exclusions apply. Refer to the Rider for complete details. 2 Lifetime coverage is guaranteed if premiums are paid as scheduled (provided there are no refunds, partial surrenders, loans, or requested changes to the policy).3 Funding requirement must be met.4 After the no lapse period or if the cumulative Minimum Monthly No Lapse Premium 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. Guarantees are based on the claims paying ability of the company.5 It is possible that additional payments will be required to keep a policy in force while the monthly deductions are being waived. For example, loan interest accruing on an out-standing loan may require additional payments. 6 It is possible that additional payments will be required to keep a policy in force while the Disability Waiver of Premium Benefit is being paid. For example, an increase in monthly deductions or decrease in Policy Value may require additional payments.

Additional Information and Explanations• Agent Number Example CF01234: This is your TPLIC and TLIC agent number and will always begin with the letter “C”• Office ID is your two digit district office number example: 8A, 5C, 15 etc.• TAANI = TAAgentNetInfo (www.taagentnetinfo.com)• TPLIC = Transamerica Premier Life Insurance Company• TLIC = Transamerica Life Insurance Company

Resources• New Business Fax Number: 877-234-4849• iGO Technical Support: 800-641-6557• Sales Support: 410-223-4485, Option 1, Option 3

TransamericaProduct Name

Agent Number(example only)

Office ID(example only)

ApplicationNumber

New BusinessSubmit Options

Trendsetter® Super Series CF01234 8A, 5C, 15 etc. APA40 iGO, TAANI Email, Fax

Trendsetter® LB Series CF01234 8A, 5C, 15 etc APA40 iGO, TAANI Email, Fax

TransACE® CV(for conversion only)

CF01234 8A, 5C, 15 etc APA40 TAANI Email, Fax

Freedom Global IUL IISM CF01234 N/A L114 TAANI Email, Fax

Freedom Index Universal Life IISM

CF01234 N/A L114 TAANI Email, Fax

Financial Foundation IULSM CF01234 N/A U329 TAANI Email, Fax

Immediate Solution CF01234 N/A L122, L123 TAANI Email, Fax

Easy Solution CF01234 N/A L122, L123 TAANI Email, Fax

20-Pay Life CF01234 N/A A08100 iGO Only

Cancer Check CF01234 N/A A08100 iGO Only

Cancer Expense CF01234 N/A A08100 iGO Only

Dynamax CF01234 N/A A08100 iGO Only

Easy Acceptance CF01234 N/A A08100 iGO Only

FlexTerm 7 CF01234 N/A A08100 iGO Only

LP95 CF01234 N/A A08100 iGO Only

QUICK GUIDE

Note—Pending Status Updates can be checked for all Term, IUL and Solution Series Products at www.taagentnetinfo.com. For your Transamerica Premier products you will go to TAPremier.com with the exception of the Solution Series Products.

Page 11: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index
Page 12: Product Portfolio 1015...4 Transamerica Premier Life Product Portfolio Policy Type INDEX UNIVERSAL LIFE Product Name Transamerica Financial Foundation IULSM (FFIUL) Description Index

For agent use only. Not for public distribution.

76386 1015

Insurance products issued by Transamerica Life Insurance Company and Transamerica Premier Life Insurance Company, Cedar Rapids, IA 52499. Transamerica Agency Network, Inc. is a licensed insurance agency withTransamerica Life Insurance Company, Transamerica Premier Life Insurance Company and affiliated Transamerica companies offering insurance and financial products.

This product guide is intended only to highlight the products shown. Product specifications may vary, and these products and their features/riders may not be available in all jurisdictions. Contact Transamerica Life Insurance Company or Transamerica Premier Life Insurance Company for additional product information.