Transamerica Employee Benefits Strong Client Growth, More Voluntary Products, Exceptional Service CRC00A-0213

Your Voluntary Benefits Advantage Transamerica grew faster than any other Top 10 voluntary carrier in 2012 – More brokers and clients are choosing our products and our service. image * LIMRA. “Fourth Quarter Voluntary Product Sales Survey, 2012.

2012 - Sustained Growth and Innovation image

Why More Clients Choose Transamerica A more secure tomorrow … an exceptional service experience today Transamerica Companies have 80 years of experience in employee benefits for employers, unions and associations “Top 3” recommended worksite carrier by Eastbridge Consulting Group, Inc.* One of the broadest portfolio of voluntary products Group-based, portable products with streamlined electronic and web-based enrollments Investments in service infrastructure to deliver personalized attention and simplicity * Eastbridge Consulting Group. “The Evolution of the Worksite Broker. 2010.

Financial Strength Ratings for Transamerica Life Insurance Company As of December 2012 A.M. Best A+ Superior 2nd of 16 categories Fitch AA- Very Strong 4th of 19 categories Moody’s A1 Good 5th of 21 categories Standard & Poor’s 4th of 21 categories Ratings reflect the current opinion of the relative financial strength and operating performance of the company. Copies of rating reports are available at transamerica.com

Broadest Voluntary Portfolio Available Life and health insurance products underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Not available in all states.

Customer-Tuned Products Advisors are looking for answers to client and employee concerns In a challenging environment: Market developments Health care reform Consultant preferences Employer options Competitive pressures

Right Blend of Individual and Group Features Group chassis provides clear benefits Easy handling of multi-state cases Guaranteed issue available on all products No medical underwriting when participation requirements are met Streamlined electronic/web-based enrollments Designed to meet employee and family needs Competitively priced premiums for employees Spouse and dependent child coverage available Full portability; no waiting periods on most products A portfolio producers value Plan-design flexibility Competitive first-year and levelized commissions available

An Exceptional Service Experience SALES and ENROLLMENT SUPPORT ACCOUNT SERVICE BENEFITS

An Exceptional Service Experience People are moving to Transamerica because of our service. Specialized sales teams Single point of contact for each case Personalized support Responsive claims and customer service The right investments for the future Dedicated Service Attention Committed to Technology

Quality Service at Every Interaction SALES and ENROLLMENT SUPPORT Quality Service at Every Interaction Wide Reach of a National Leader Regional Sales Leaders in 40 Cities Specialized sales teams Single point of contact for each case Specialized Sales Support HealthPak Specialty Markets National Accounts Stop Loss

Flexible Streamlined Enrollments SALES and ENROLLMENT SUPPORT Flexible Streamlined Enrollments Expertise with Every Option Traditional group/face-to-face Electronic Web Self-Service Call Centers

Simple, Efficient Infrastructure ACCOUNT SERVICE Simple, Efficient Infrastructure Real-time Access to Answers Dedicated Client Relationship Manager Product and training support Case coordination and set-up Complimentary marketing materials Coordinated client calls Talking Points: Efficient Case Issue Fast, accurate policy issue and delivery Broker, enroller and employer reporting Connections with client payroll/HR systems and carriers/TPAs Standardized guidelines eliminate most home office underwriting Guaranteed Issue available on all products Benefits of group underwriting and customized offers 99% of all apps accepted

Customer-Focused Case Issue and Billing ACCOUNT SERVICE Customer-Focused Case Issue and Billing Hassle-Free Case Issue Simplified underwriting Fast, accurate policy issue Excellent reporting Connections with client, carrier and TPA systems Billing That’s Fast and Right Focus on accuracy of initial bill 95% of payments applied within 3 business days Flexible billing options for every employer need and system

All-Access Personal Service ACCOUNT SERVICE All-Access Personal Service Customer experience teams with product expertise Online, on-demand service for employers and employees: TransamericaEmployeeBenefits.com Dedicated Conservation Team Protecting an average of $2 million in premium for producers every year Speed to answer/abandonment rates 50% better than industry average Specialized CSR expertise: Producer Service Claims HealthPak Average Customer Service Representative (CSR) tenure: 8.2 years Online Producer Reporting Proposals Commission statements Availability of direct deposit Group and case information New business, in-force and renewal reports Custom reporting packages available

Rock Solid Claims Performance BENEFITS Rock Solid Claims Performance Experienced professionals Claims analyst average tenure of 9 years Proactive assistance with claim submissions Timely 90% paid within 96 hours Easy Consolidated, straightforward forms Telephonic intake for wellness claims Talking points: Speed to answer/abandonment rates 50% better than industry average Specialized CSR expertise: Producer Service Claims HealthPak Average Customer Service Representative (CSR) tenure: 8.2 years

LEADING PRODUCERS GROUP Incentives that include a stock purchase plan, marketing allowances, reimbursement of licensing fees PLUS conventions. Membership Levels LPG LPG Elite LPG President’s Club

Here’s How To Get Started To get appointed, call our Fast Agent Contracting Service 866-546-0997 Call your Regional Vice President or Client Relationship Manager at 866-TRANSAMERICA www.transamericaemployeebenefits.com