1. For producer use only. Not for client presentation. 11 The TransSecurity SM Solution Creating Opportunities for Future Generations

2. For producer use only. Not for client presentation. Changing Environment  High-net-worth market  Estate Tax laws  Premium Financing  Guaranteed products

3. For producer use only. Not for client presentation. MIDDLE MARKET (less than $1 Million) MASS AFFLUENT ($1 - $5 Million) HIGH-NET-WORTH ($5 Million +)

4. For producer use only. Not for client presentation. Source: Where America Stands, CBS News Poll, May 2010 Better or Worse Off?

5. For producer use only. Not for client presentation.  Budget deficits  Increased taxes & slower recovery  Real estate & equity depreciation

6. For producer use only. Not for client presentation. 2010 Projected Deficit Congress of the United States Congressional Budget Office Source: The Budget and Economic Outlook: Fiscal Years 2010 to 2020, Congressional Budget Office as of January 2010 2020 Projected Debt Current Debt $12 Trillion $21 Trillion $1.3 Trillion

7. For producer use only. Not for client presentation. 12 days to spend $1 Million Rate of Spending = $1 per second 32,000 years to spend $1 Trillion 32 years to spend $1 Billion

8. For producer use only. Not for client presentation. Federal Obligation: $546,668 per household Source: “Leap in U.S. debt hits taxpayers with 12% more red ink,” USA Today, May 28, 2009

9. For producer use only. Not for client presentation. Center on Budget and Policy Priorities Sales Tax Revenues Income Tax

10. For producer use only. Not for client presentation. Center on Budget and Policy Priorities At least 39 states have cut programs:

11. For producer use only. Not for client presentation. Chart Source: Standard & Poor’s Index Services, Monthly Returns “The biggest myth is that the stock market returns, on average, about 10% a year.” Source: “Let's Bury The Myth Of Averages,” Forbes, February 23, 2009 0 2.5% -2.5% -5% -5.6 S&P ® 500 (total returns, %) as of 12/31/2009 -0.9 3 Years 5 Years 10 Years +0.4

12. For producer use only. Not for client presentation. Today’s Clients  Should they keep working longer?  Scale back their standard of living now to conserve money for later?  What standard of living will their grandchildren have?  Will their grandchildren have access to quality education? Future Generations  Lower income  Higher taxes  Fewer entitlements  Less purchasing power  Fewer opportunities “Leave less to your heirs. Or even nothing at all.” Source: “Baby Boomers To Kids: Kiss Your Inheritance Goodbye,” The Wall Street Journal, July 2009

13. For producer use only. Not for client presentation. The TransSecurity SM Solution Creating Opportunities for Future Generations

14. For producer use only. Not for client presentation. Cash available to loved ones to sustain desired lifestyle

15. For producer use only. Not for client presentation. Cash available to loved ones to sustain desired lifestyle

16. For producer use only. Not for client presentation. Independent of external factors

17. For producer use only. Not for client presentation. A Guaranteed Policy Guaranteed Income Strategy Innovative Financial Underwriting

18. For producer use only. Not for client presentation.  Guaranteed Death Benefit  The “ACE” Advantage:  TransACE  UL  TransACE Survivor  UL  Tax-favored status  Tax-free buildup of gain  Income & Estate Taxes  High Internal Rate of Return  Non-correlated to stock market A Guaranteed Policy

19. For producer use only. Not for client presentation.  Mork, age 65, married to Mindy, age 60  2 adult children, 2 grandchildren  Wants to provide for children and grandchildren

20. For producer use only. Not for client presentation. Like many, Mork has struggled trying to “time the market.” The results have been less than favorable….

21. For producer use only. Not for client presentation. A Guaranteed Policy Male, Age 65 Female, Age 60 Standard Non-Smokers TransACE Survivor ® Premium: $25,636 Death Benefit: $2,000,000 Male, Age 65 Female, Age 60 Standard Non-Smokers TransACE Survivor ® Premium: $25,636 Death Benefit: $2,000,000

22. For producer use only. Not for client presentation. A Guaranteed Policy * Original issue ages: Male, 65; Female, 60 15$2,000,00018.88% 20$2,000,00011.73% 25$2,000,000 7.92% 30$2,000,000 5.61% 15$2,000,00018.88% 20$2,000,00011.73% 25$2,000,000 7.92% 30$2,000,000 5.61% YearNet Death BenefitInternal Rate of Return

23. For producer use only. Not for client presentation.  Guaranteed Death Benefit  The “ACE” Advantage:  TransACE  UL  TransACE Survivor  UL  Tax-favored status  Tax-free buildup of gain  Income & Estate Taxes  High Internal Rate of Return  Non-correlated to stock market A Guaranteed Policy

24. For producer use only. Not for client presentation. A Guaranteed Policy Guaranteed Income Strategy Innovative Financial Underwriting

25. For producer use only. Not for client presentation. “70% of those who come into sudden money end up losing it all because of their inability to deal with the practical, financial and emotional issues involved. 1 ” 1 MSN.com as quoted in http://www.pacificawealth.com/financial_planning_services/sudden_money_recipients.asp (2010) 2 Camelot Group Plc (2003) 3 Certified Financial Planner Board of Standards, Inc (2003)  44% of lottery winners spent their winnings within five years 2  Nearly one-third of lottery winners become bankrupt 3 30% 70%

26. For producer use only. Not for client presentation. Income Protection Option (IPO)  Available at no additional cost  May include multiple beneficiaries 5 – 25 years / $100 min. $10,000 min. Guaranteed Monthly Income Stream Initial Lump Sum Initial Lump Sum Back-End Lump Sum Back-End Lump Sum Guaranteed Income Strategy

27. For producer use only. Not for client presentation.  Chachi, age 55, married to Joanie, age 53  3 adult children, 2 grandchildren  Wants to provide for Joanie and his children  Wants to maintain control and flexibility over his legacy

28. For producer use only. Not for client presentation. TransSecurity Solution: TransACE ® UL policy with the IPO on Chachi* BeneficiaryInitial Lump Sum Guaranteed Monthly Income (15 Years) Final Lump Sum Joanie (Spouse) 00 Al (Child) 0 Jenny (Child) Richie (Child) 0 Totals$125,000 $6,000 (per month for 15 years) $150,000 *A portion of each monthly payment and a portion of the final lump sum are reportable as interest income. The policy illustration provides the tax-reportable percentage for each monthly income payment and the final lump sum based on a 3% guaranteed minimum interest rate and the illustrated face amount. Upon the insured’s death, the actual taxable portion of each monthly payment will be calculated and communicated to the beneficiary(ies) based on the actual payout amounts. The taxable portion of the final lump sum payment will be determined when the payment is made. $25,000 Dream Wedding Mortgage Payoff Chachi's Final Expenses $100,000 = $75,000 + $25,000 Mortgage Private School Tuition $4,000 $50,000 Business Expansion $1,000 Medical Bills $50,000 College Expenses for Al's Children $50,000 Post-grad Degree Living Expenses $1,000 000

29. For producer use only. Not for client presentation. TransSecurity Solution: TransACE ® UL policy with the IPO on Chachi* BeneficiaryInitial Lump Sum Guaranteed Monthly Income (15 Years) Final Lump Sum Joanie (Spouse) 00 Al (Child) 0 Jenny (Child) Richie (Child) 0 Totals$125,000 $6,000 (per month for 15 years) $150,000 $25,000 Dream Wedding Mortgage Payoff Chachi's Final Expenses $100,000 = $75,000 + $25,000 Mortgage Private School Tuition $4,000 $50,000 Business Expansion $1,000 Medical Bills $50,000 College Expenses for Al's Children $50,000 Post-grad Degree Living Expenses $1,000 0 $25,000 Start-up Capital for business $500 $4,500

30. For producer use only. Not for client presentation. TransSecurity Solution: TransACE ® UL policy with the IPO on Chachi* BeneficiaryInitial Lump Sum Guaranteed Monthly Income (15 Years) Final Lump Sum Joanie (Spouse) 00 Al (Child) 0 Jenny (Child) Richie (Child) 0 Totals$125,000 $6,000 (per month for 15 years) $150,000 $25,000 Dream Wedding Chachi's Final Expenses $100,000 = $75,000 + $25,000 Mortgage Private School Tuition $4,500 $50,000 Business Expansion $1,000 Medical Bills $50,000 College Expenses for Al's Children $50,000 Post-grad Degree Living Expenses $500 $25,000 Start-up Capital for business 0 0 0 0 0 0 0 0 $6,000 $150,000 $125,000

31. For producer use only. Not for client presentation. Death Benefit: $1,094,716 Annual Lifetime Premium: $13,612* *Male, 55, Preferred, Non-smoker

32. For producer use only. Not for client presentation. A Guaranteed Policy Guaranteed Income Strategy Innovative Financial Underwriting

33. For producer use only. Not for client presentation. Previous Guidelines  Estate Tax liability  Multiple of salary  Current in-force policies NEW Guidelines  50% of current net-worth  Growth factor: 7%  Multiple of salary  Current in-force policies Innovative Financial Underwriting

34. For producer use only. Not for client presentation. Example Female Standard Age 65 Male Standard Age 65 Net Worth: $4.0 Million Qualify: $5.5 Million Death Benefit Innovative Financial Underwriting

35. For producer use only. Not for client presentation. Age Growth Rate Number of Years

36. For producer use only. Not for client presentation.  Virginia Upton  Age 70  Net worth = $2 Million  Annual income = $150,000  Virginia would qualify for $2.85 Million in coverage

37. For producer use only. Not for client presentation. A Guaranteed Policy Guaranteed Income Strategy Innovative Financial Underwriting A Guaranteed Policy Guaranteed Income Strategy Innovative Financial Underwriting

38. For producer use only. Not for client presentation. Age 55-75 MIDDLE MARKET (less than $1 Million) MASS AFFLUENT ($1 - $5 Million) HIGH-NET-WORTH ($5 Million +)

39. For producer use only. Not for client presentation.  Lazy asset rescue  Money markets/CDs  $3.3 trillion invested in money market funds *  $2.6 trillion invested in fixed-rate CDs **  Municipal bonds  Annuities  IRAs  Premium financing *Investment Company Institute (February 2010) **http://www.money-zine.com/Investing/Mutual-Funds/Money-Market-Mutual-Funds (February 2010)

40. For producer use only. Not for client presentation. Annuity Maximization IRA Maximization

41. For producer use only. Not for client presentation.

42. Two-minute Client Video Dual-format Tabletop Client Presentation

43. For producer use only. Not for client presentation. Customizable Email templates Consumer Flyer Consumer Guide and Worksheet

44. For producer use only. Not for client presentation. IPO Calculator Consumer Illustration

45. For producer use only. Not for client presentation. Producer FAQ Producer Flyer

46. For producer use only. Not for client presentation. www.transamerica.com/transsecurity

47. For producer use only. Not for client presentation. Two-minute client video Consumer Guide & Worksheet IPO Calculator Producer FAQ Producer Flyer Customizable Email templates Consumer Flyer Dual-format Tabletop Client Presentation

48. For producer use only. Not for client presentation. A Guaranteed Policy Guaranteed Income Strategy Innovative Financial Underwriting

49. For producer use only. Not for client presentation. The TransSecurity Solution Financial Security for Children and Grandchildren 50s 60s 70s

50. This material was not intended or written to be used, and cannot be used, to avoid penalties imposed under the Internal Revenue Code. This material was written to support the promotion or marketing of the products, services, and/or concepts addressed in this material. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely solely on their own independent advisors regarding their particular situation and the concepts presented here. TransACE ® is a nonparticipating, flexible-premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form #1-12611107 (CVAT), Group Certificate #2-72336107 (CVAT) for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy form and number may vary, and this policy may not be available in all jurisdictions. TransACE Survivor ® is a nonparticipating, flexible-premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form #1-12111108 (CVAT), Group Certificate #2-72136108 for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy form and number may vary and this policy may not be available in all jurisdictions. Transamerica Life Insurance Company (“Transamerica”) and its representatives do not give tax or legal advice. This material is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties must be urged to consult with and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here. Discussions of the various planning strategies and issues are based on our understanding of the applicable federal tax laws in effect at the time of presentation. However, tax laws are subject to interpretation and change, and there is no guarantee that the relevant tax authorities will accept Transamerica’s interpretations. Additionally, this material does not consider the impact of applicable state laws upon clients and prospects. Although care is taken in preparing this material and presenting it accurately, Transamerica disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it. This information is current as of November 2010. MISC 1365 1110

51. For producer use only. Not for client presentation. The TransSecurity SM Solution Creating Opportunities for Future Generations