Quality of Life . . . Insurance® Real Benefits + Real Flexibility = TRUE Protection No-Cost Accelerated Benefit Rider Transamerica Trendsetter® LB Accelerated Death Benefits LSW Accelerated Benefits Riders North American Accelerated Death Benefit Endorsement Available Chassis Term, Guarantee UL, Indexed UL, UL Term Only* Term, Indexed UL, UL Guarantee UL, Indexed UL Chronic Illness Benefit Max a Lesser of 100% of DB or $1,500,000 a Lesser of 90% of DB or $500,000 a Lesser of 100% of DB or $1,000,000 Critical Illness Benefit Max N/A Terminal Illness Benefit Max a Lesser of 100% of DB or $500,000 a Lesser of 75% of DB or $750,000 Available on all UW classes? Chronic illness: cannot be added to table 4 or higher Critical Illness: cannot be added to table rated classes Chronic illness: Subject to meeting underwriting eligibility requirements QoL Advantage *Transamerica offers paid LTC rider on UL products.

Quality of Life . . . Insurance® Real Benefits + Real Flexibility = TRUE Protection No-Cost Accelerated Benefit Rider Transamerica Trendsetter® LB Accelerated Death Benefits LSW Accelerated Benefits Riders North American Accelerated Death Benefit Endorsement Available Chassis Term, Guarantee UL, Indexed UL, UL Term Only* Term, Indexed UL, UL Guarantee UL, Indexed UL Chronic Illness Qualifying Conditions Unable to perform two of the six daily activities (ADLs) of living without assistance or ; Severe cognitive impairment. Critical Illness Qualifying Conditions Major heart attack Stroke Invasive Cancer Coronary Artery Bypass Blood Cancers: Leukemia, Lymphoma, and Multiple Myeloma Major Organ Transplant End Stage Renal Failure Paralysis Coma Severe Burn The insured being diagnosed after the Rider date with a medical condition that would, in the absence of treatment, result in the insured's death within 12 months. Heart attack (myocardial infarction) Cancer End-stage renal failure Major organ transplant ALS (Amyotrophic lateral sclerosis) Blindness (Corrected vision no better than 20/200 in both eyes) N/A Terminal Illness Qualifying Conditions An illness or physical condition that is certified by a physician to be reasonably expected to result in the insured’s death within 24 months An illness or physical condition that is certified by a physician to be reasonably expected to result in the insured’s death within 12 months Available on all UW classes? a QoL Advantage * Transamerica offers paid LTC rider on UL products.