Interest Sensitive Whole Life Insurance Trans$ureSM Interest Sensitive Whole Life Insurance Underwritten by Transamerica Life Insurance Company Cedar Rapids, Iowa 52499

Final Medical Expenses Trans$ureSM Factors affecting employees’ life insurance needs Having a child Changes in marital status Taking on debt Changing jobs Supporting aging parents Planning for college Planning for retirement Life Insurance Needs Mortgage Liquidation Pay Off Car Loan Income Protection Final Medical Expenses

Trans$ureSM Importance of life insurance at the workplace Attract and retain good employees Convenience Individually owned - fully portable at the same rates Preferred underwriting Family protection Smaller face amounts Living benefit riders 2 out of every 3 employees purchase life insurance from their employer. LIMRA International 2010.

Trans$ureSM Trans$ure is a permanent* interest-sensitive whole life insurance policy that provides a death benefit to designated beneficiaries and tax-advantaged cash value accumulation. Appropriate for individuals who have permanent life insurance needs and prefer the consistency of a fixed premium, fixed death benefit, and fixed time. Paid Up Contract Availability- At the greater of age 65 or 15 contract years, the guaranteed paid up death benefit is at least 50% of the original face amount. Policy form series CPWL0100 and CCWL0100

Trans$ureSM Contract Loan Availability. Fixed Premium - Premiums will stay at the same level as long as the policy is in force, regardless of market fluctuations or the state of the insured’s health. Tax-Deferred Growth Potential - The guaranteed minimum and current interest rates for Trans$ureSM is 4%. Coverage to Age 100 - The death benefit will never decrease as long as there are no outstanding loans or it is not reduced by a rider. Policy form series CPWL0100 and CCWL0100

Trans$ureSM Product Features: Group chassis for easy multi-state enrollments Payroll deduction available for eligible employees down to 2 lives No physical exams or blood tests are required (Acceptance will be based upon answers to questions on the application) Fully portable at same rates Coverage may be increased (subject to contract limits) or decreased (although contract says otherwise)

Trans$ureSM Riders Included in Base Coverage Accelerated Death Benefit for Terminal Illness Rider insured can receive up to 75% of the death benefit or $150,000, whichever is less, upon physician-certified diagnosis of terminal illness. Waiver of Premium Due to Layoff Rider Total monthly deductions for insured employee are waived for up to six months if insured employee is laid off by employer. Policy form series CRABT100 Policy form series CRWPL100

Trans$ureSM Employer Optional Riders Accelerated Death Benefit for Critical Care Condition Helps cope with the financial challenges of critical illness. Pays the employee 100%, 75%, 50%, or 25% of the rider face amount early not to exceed $100,000 when the insured is diagnosed with a specified disease for the first time ever. The decision to include this rider as well as the percentage is made by the employer. Then, it is included on all contracts issued for employees and their insured family members. Rider Form CRACBC00. Coverage may vary by jurisdiction.

Rider Form CRABLT00. Coverage may vary by jurisdiction. Trans$ureSM Employer Optional Riders Accelerated Death Benefit for Long Term Care Need and cost of long term care is increasing as people live longer resulting in financial challenges. Allows the employee to receive an advance of their death benefit of 6% for 16 months to pay for confinement to a licensed nursing or assisted living care. Employee receives 4% of the rider face amount for 25 months to pay for home health care or adult day care. Rider Form CRABLT00. Coverage may vary by jurisdiction.

Rider Form CREXTB00. Coverage may vary by jurisdiction. Trans$ureSM Employer Optional Riders Extension of Benefits Rider with Paid Up Benefit (sold in conjunction with the Long Term Care Rider) Allows employee to have benefits continued after full rider face amount has been paid under the Accelerated Death Benefit for Long Term Care rider if still chronically ill. Pays an additional 6% for 16 months for confinement in a licensed nursing or assisted living facility and 4% for 25 months for home health care or adult day care. A paid-up life policy (no cash or loan value) for 25% of the face amount is issued once first payment is made under this rider Rider Form CREXTB00. Coverage may vary by jurisdiction.

Rider Form CRADD200. Coverage may vary by jurisdiction. Trans$ureSM Employer Optional Riders Accidental Death and Dismemberment Rider Provides additional death benefit if death is caused by accidental bodily injury. Benefit is equal to the face amount of the base contract up to a maximum amount of $150,000. A specified percentage between 25% and 100% is payable for types of dismemberment. Additional benefits for manner of death and survivorship. Employee: 16 trough 69, Spouse: 16 through 65, Children: N/A. Terminates on anniversary date after insured’s 70th birthday. Rider Form CRADD200. Coverage may vary by jurisdiction.

Rider Form CRWP0100. Coverage may vary by jurisdiction. Trans$ureSM Employer Optional Riders Waiver of Premium Benefit Rider Protects against loss of coverage due to total disability. Waives the premium when employee becomes totally disabled after a six month waiting period. Employee’s disability must begin after age 16 and prior to age 60. Not available for spouse or dependent children. Rider Form CRWP0100. Coverage may vary by jurisdiction.

Dependent Child(ren) issue ages: Trans$ureSM Issue Ages Employee issue ages: 16 through 70 Spouse issue ages: 16 through 65 Dependent Child(ren) issue ages: 15 days through 24

Trans$ureSM Employee Coverage: Minimum employee face amount is $5,000 with minimum premium of $4.00 per week Maximum coverage is the lesser or $500,000 or 5x employee salary Spouse Coverage: Minimum spouse face amount is $5,000 with minimum premium of $4.00 per week Maximum coverage is $100,000 Dependent Children: Minimum child face amount is $25,000 with minimum premium of $3.00 per week

*Rider Form Series CRCHIL00. Coverage may vary by jurisdiction. Trans$ureSM Child Term Rider* Employer optional; Employee optional. Insured employee or insured spouse may add $5,000 or $10,000 of coverage for all eligible children. Available 15 days through 25. At termination age, may convert to 5 times the amount of rider coverage to a whole life policy without riders. Buy Up Option: Increase their face amount under the same underwriting guidelines as the initial enrollment (GI or CGI) at each annual re-enrollment for up to 10 years following initial application. *Rider Form Series CRCHIL00. Coverage may vary by jurisdiction.

Trans$ureSM EMPLOYEE ISSUE LIMITS 10 – 49 10 Apps $10 5 Apps $25 Guaranteed Issue Conditional Guaranteed Issue Simplified Issue Eligible Employees Minimum Participation Weekly Premium Purchase Standard Maximum Issue 10 – 49 10 Apps $10 5 Apps $25 2 Apps $500K 50 – 99 20% $15 10% $35 100 - 499 $40 500 – 999 15% $50 1,000 -5,000 $60

Trans$ureSM DEPENDENT ISSUE LIMITS All Group Sizes Spouse Eligible Children & Grandchildren Eligible Children child term rider Guaranteed Issue Conditional Guaranteed Issue Simplified Issue Minimum Participation Standard Maximum Issue The greater of $4 weekly premium or $15,000 face amount $25,000 face amount $100,000 face amount 2 Apps $5K or $10K

Sample Monthly Premium Rates* Trans$ureSM Rates: Rates are age and tobacco-distinct and may be accessed on the Transamerica website. Sample Monthly Premium Rates* $30,000 Face Amount including Accelerated Death Benefit for Terminal Illness Rider and Waiver of Premium Due to Layoff Rider, Non-Tobacco. Employee Issue Age Non-Tobacco Monthly Rates Guaranteed Cash Value @ Age 65 25 $17.40 $11,648 30 $21.65 $11,183 35 $27.27 $10,555 40 $34.52 $9,714 *Values assume that all stipulated premiums are paid to Age 100. The Guaranteed minimum interest is 4.00%. The Waiver of Premium for Layoff Rider is not included above age 55.

Trans$ureSM Rates: Rates are age and tobacco-distinct and may be accessed on the Transamerica website. Sample Amounts for Base Plan, Non-Tobacco. Employee Issue Age Non-Tobacco Face Amount for $5 a week Guaranteed Actual Cash Value @ Age 65 Face Amount for $10 a week 25 $37,362 $14,507 $74,724 $29,013 35 $23,835 $8,386 $47,670 $16,772 45 $14,792 $4,236 $29,584 $8,473 55 $8,206 $1,371 $16,411 $2,742 *Values assume that all stipulated premiums are paid to Age 100. The Guaranteed minimum interest is 4.00%. The Waiver of Premium for Layoff Rider is not included above age 55.

For more information or to obtain a proposal Trans$ureSM 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.transamericaemployeebenefits.com

Trans$ureSM This is a brief summary of Trans$ureSM underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. Limitations and exclusions may apply. Refer to the policy, certificate and riders for complete details.