CriticalEventsSM Critical Illness Insurance Agent Training Only / Not For Public Distribution Underwritten by Transamerica Life Insurance Company Cedar Rapids, Iowa 52499 EBD HOJCCEPP 0515

Need for Critical Illness Insurance Heart Disease Heart disease strikes someone in the U.S. about every 43 seconds and is the #1 cause of death in the United States, killing over 375,000 people a year.1 Major Organ Failure 123,324 people need a lifesaving organ transplant (total waiting list candidates). 4,743 transplants have been performed in the first two months of 2015.2 Stroke Stroke is the #4 cause of death in the United States, killing more than 129,000 people a year and kills someone in the U.S. about once every four minutes.1 Cancer 30% of cancer survivors reported debts of $10,000, 15% over $20,000, and those younger than 50 or with mid to late stage cancer, over $40,000 in debt. 1 in 2 men and 1 in 3 women are diagnosed with cancer in the lifetime.3 1American Heart Association, American stroke Association, Heart Disease and Stroke Statistical Update, 2015 2U.S. Department of Health & Human Services Organ Procurement and Transplantation Network, 2015 3Insights from Survivors: Managing the Personal, Emotional and Financial Impact of Cancer, PR Newswire / Washington Institute for Wellness, 2014 Use of statistics does not imply endorsement.

Need for Critical Illness Insurance 60% of employers said they already have or plan to increase employee contributions to major medical coverage. These increases are on top of higher deductibles, copayments and coinsurance employees are already paying. Critical illness insurance helps pay the expenses traditional medical insurance doesn’t cover, easing the financial strain on the insured. Critical Insurance Needs Rising health insurance costs Higher insurance premiums and out-of-pocket costs Increased expenses can total thousands of dollars per year Little to no emergency cash reserves LIMRA, U.S. Worksite Sales Survey, 2013 Use of statistics does not imply endorsement.

Critical Illness Market *Statistics provided by LIMRA’s Quarterly U.S. Worksite Sales Survey from 2011-2014. Use of statistic does not imply endorsement.

CriticalEventsSM Critical Illness Insurance New Features No categories for critical illness HSA-compatible No lifetime maximum Recurrent benefit rider up to 100% Wellness benefit rider up to $150 Riders eliminated: Accident Emergency Treatment Intensive Care Benefit Initial Hospitalization Quality of Life Dependent amounts of 100% of EE amount may be selected Attained age rates available for employer-paid business allowing producers to match up with major medical plan *HSA Compatible – Based on its understanding of available guidance, Transamerica Life Insurance Company views the insurance benefits shown in this proposal as compatible with High-Deductible Health Plans and Health Savings Accounts. However, there is no guarantee that the relevant authorities will agree with Transamerica’s understanding. Current guidance is not complete and is subject to change. Neither Transamerica nor its agents or representatives provide legal or tax advice. Accordingly, Transamerica encourages its customers to consult with and rely upon independent tax and legal advisors regarding their particular situations, the use of the products presented here with High-Deductible Health Plans and Health Savings Accounts, and the persons/dependents that may be covered under such plans and accounts. *Minimum premium requirements must be met.

CriticalEventsSM Critical Illness Insurance A critical illness insurance policy that provides cash to help employees pay the costs associated with the initial diagnosis of a heart attack, stroke or other serious illness. Base Policy Benefits Percentage of Benefit Benefit Amount Options from $10,000 to $50,000 Heart Attack 100% Stroke Major Organ Failure End Stage Renal Failure Other Specified Organ Failure (Loss of sight, speech or hearing) Miscellaneous Diseases – Amyotrophic Lateral Sclerosis (Lou Gehrig’s Disease), Encephalitis/Meningitis, Rocky Mountain Spotted Fever, Typhoid Fever, Anthrax, Cholera, Primary Sclerosing Cholangitis (Walter Payton’s Disease) and Tuberculosis Alzheimer’s Disease 30% Coronary Artery Disease Requiring Bypass Grafts 25% Coronary Artery Disease Requiring Angioplasty/Stent 5% This is a brief summary of CriticalEventsSM Critical Illness Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy form series CPCI0500 and CCCI0500. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusion apply. Refer to the policy, certificate and riders for complete details.

CriticalEventsSM Critical Illness Insurance Cancer Benefit Rider Percentage of Benefit Invasive Cancer 100% Bone Marrow Failure Carcinoma in Situ 25% Prostate Cancer with TNM Classification of T1 Skin Cancer 5% Occupational HIV Benefit Rider Percentage of Benefit Occupational HIV Benefit 100% Additional Benefits Benefit Wellness Indemnity Benefit Rider $25 - $150 Recurrent Critical Illness Benefit Rider 25%, 50%, 75%, 100% This is a brief summary of CriticalEventsSM Critical Illness Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy form series CPCI0500 and CCCI0500. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusion apply. Refer to the policy, certificate and riders for complete details.

CriticalEventsSM Critical Illness Insurance Clarifying First Occurrence and Pre-Existing Conditions First Occurrence Definitions First ever occurrence after the effective date First ever occurrence Under no condition will we pay any benefits for losses incurred prior to the Effective Date of the employee’s certificate. Diseases Metastatic Cancers Myocardial Infarction This is a brief summary of CriticalEventsSM Critical Illness Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy form series CPCI0500 and CCCI0500. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusion apply. Refer to the policy, certificate and riders for complete details.

CriticalEventsSM Critical Illness Insurance Monthly Product Premium Rate Comparison (Issue Age) Sample Amounts for a $20,000 policy with cancer rider, 50% recurrent benefit and wellness benefit of $50 for a 35-year old non-tobacco user in the state of Texas. Age CriticalEvents (Monthly) CriticalAssistance Advance 25 $3.64 $3.60 35 $4.24 $4.15 45 $7.52 $7.33

Marketing CriticalEventsSMCritical Illness Insurance Bundled with Accident Insurance and Hospital Indemnity Insurance, new Attained age rates Great compliments! Can offer on a composite rate basis. Issue age or Attained age rate categories for ease of compatibility with electronic delivery systems No more categories Less complicated product. Designed to be HSA compatible We do not give or offer legal or tax advise. Each situation is fact dependent and your client should contact their tax or legal advisor New 100% Recurrence Important if the insured has had cancer in the past and passed the 12 month separation and treatment free period. Employee participation When self-serve, position follow the major medical product. Guarantee Issue is very important

CriticalEventsSM Critical Illness Insurance versus Cancer Insurance Simplicity Critical Illness insurance pays a lump sum benefit upon diagnosis as stated in the policy. No need to submit claim documents for benefit to be paid for services rendered that cancer insurance requires. Benefit amount is easier to align with medical out of pocket Better chance of using the policy Because of the additional benefits offered in the CI product Pricing Cancer insurance has traditionally had cost increase Transitions Cancer is more difficult because the 12/12 pre-ex and limitations and exclusions

For more information or to obtain a proposal Contact a Regional Vice President or a Client Relationship Manager at 866-TRANSAMERICA Visit our Transamerica Employee Benefits website www.TransamericaBenefits.com

Limitations and Exclusions This is a brief summary of the Critical Events insurance product. Some of the features highlighted are subject to certain limitations and exclusions. Please refer to the policy and/or sales literature for costs and further details, including specific limitations and exclusions. Availability of benefits varies by jurisdiction. Refer to the contract for complete information.