Immediate Solution, 10 Pay Solution & Easy Solution

Topics to Cover Today Sales Support Product Portfolio Sample Application TransWare® New Business Tips Sales Ideas Our goal is to get you up to speed with us! Topics we will be covering today are: our sales support, product portfolio, sample application, transware, ANI review, New business and some sales ideas.

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Product Portfolio Overview Whole Life Final Expense Continuous (Immediate Solution LP121) 10 Pay (10 Pay Solution) Graded Death Benefit (Easy Solution) Read Screen

Immediate Solution (LP121) Premium Paying Period Level Premiums to age 121 Age Last Birthday Issue Ages 0-85 Minimum Issue Amount $1,000 Maximum Issue Amount 0-55 $50,000 56-65 $40,000 66-75 $30,000 76-85 $25,000 Benefit Period Endows at age 121 Read Screen

Policy Riders Accelerated Death Benefit Rider1 With or Without Nursing Home Benefit Optional Accidental Death Benefit Rider Max issue age - 70 Expiry age - 80 Read slide Accelerated Death Benefit Rider The rider pays the face amount, less an interest discount, less any loans, less any premiums that would be due in the next year upon diagnosis of a Qualifying Event. Eligibility requirements apply. Accelerated Death Benefit Rider with Nursing Home benefit The rider pays the face amount, less an interest discount, less any loans, less any premiums that would be due in the next year upon diagnosis of a Qualifying Event or confinement in a Qualified nursing facility. This rider is not available if you need any assistance in performing daily living activities at the time of application. Accidental Death Benefit Rider Issue ages 18-70 The Accidental Death Benefit Rider (ADR) provides for payment of an amount in addition to the face amount of the policy in the event of death resulting directly and independently of all other causes from an accident, subject to the exceptions set out in the rider. Death must occur within 90 days from the accidental bodily injury, and while the policy is in force. 1Accelerated 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.

Policy Riders (Continued) Children/Grandchildren Rider Provides term coverage equal to base amount up to $5000 Covers a maximum of 9 children/grandchildren Issue ages 15 days to 17 years Parent/Grandparent must be age 18 to 75 Convertible up to rider amount after 2 years and until age 22 Child/Grandchild can be added post issue, 60 day after following events: Adoption, Marriage, New Birth Read slide

10 Pay Solution (10 Pay Life) Premium Paying Period - Level Premiums for 10 years Age Last Birthday Issue Ages - 0-85 Minimum Issue Amount - $1,000 Maximum Issue Amount - 0-55 $50,000 - 56-65 $40,000 - 66-75 $30,000 - 76-85 $25,000 Benefit Period - Endows at age 121 Read screen

Easy Solution (Graded Death Benefit) Premium Paying Period Level Premiums to age 121 Age Last Birthday Issue Ages 18-80 Minimum Issue Amount $1,000 Maximum Issue Amount $25,000 Benefit Period Endows at age 121 Read Screen

Sample Application TA ANI > TransMarketingSM > keyword: Solution Presenter explains where more samples and tools can be located from TA ANI > TransMarketing > keyword: Solution

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New Business Tips Monitor business daily on www.taagentnetinfo.com. Review applications prior to submitting to ensure all fields are completed and handwriting is legible. New Business Call Center hours 8:00 - 5:00pm CT M-F. Read slide Monitor business daily on agentnetinfo.com New Business Call Center hours: 8:00 – 5:00 pm central time Monday – Friday Review applications prior to submitting to ensure all fields are completed and handwriting is legible

Sales Ideas Many Americans believe that social security will pay for their final expense needs, however, the government only pays a lump sum of $255 for those who qualify1 The Veterans administration will pay up to $700 for non-service related deaths2 Read slide Any current term life insurance or insurance offered through your employer will go away Settling of Debt’s such as credit card balances, car loans & mortgages Legal cost associated with probate, taxes and other estate matters Continued schooling & higher education for children Cost of selling property, assets and other material items which may require hired professionals Many Americans Believe that social Security will pay for their final expense needs, however, the government only pays a lump sum of $255 for those who qualify The Veterans Administration will pay up to $700 for non-service related deaths. 1Survivors Benefits, SSA Publication No. 05-10008, Nov. 2015, www.ssa.gov 2Department of Veterans Burial and Plot-Interment Allowances, June 2014

Sales Ideas Life Insurance on parents “Do you know if your parents own life insurance?” “Who will pay your parents final expenses, debts & taxes upon death?” “Do you have the work flexibility & financial freedom to accommodate these costs when something happens to your parents?” Read slide Many people purchase life insurance on their parents to help pay for debt or expenses they may incur after they pass away. Questions to Ask? “Do you know if your parents own life insurance?” “Who will pay your parents final expenses, debts & taxes upon death?” “Do you have the work flexibility & financial freedom to accommodate these cost when something happens to your parents?”

Sales Ideas Life Insurance needs for business succession planning Business Owners Life Insurance needs for business succession planning Help Stabilize the business Liquidity to pay debts, creditors, vendors etc. Fund Buy-Sell agreements with business partner(s) Read Slide

Sales Ideas Term Life Insurance Is Not a Final Solution Remind prospects & clients term life insurance will go away if they are counting on it to help pay for final expenses Market to individuals who are entered into retirement as their group life insurance has gone away Read slide

Read slide For more information search for the brochure Immediate Solution & IO Pay Solutions which can be found on TransMarketing using the keyword: Solution

Thank you for joining, we appreciate your business! Read Slide Thank you for taking time out of your busy day to join us. Immediate Solution 121, 10-Pay Solution and the Easy Solution are whole life insurance policies issued by Transamerica Premier Life Insurance Company, Cedar Rapids, IA. 52499 in all other jurisdictions. Policy Form Nos. WL08 and WL09. Policy forms and numbers may vary, and these products may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting.