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

2. 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
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.

3. 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.

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

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

10. 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

11. 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

12. 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

13. 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.