UNIVERSAL LIFE T aCE - TransACT - Transamerica's Website for

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UNIVERSAL LIFETransaCE®

For producer use only. Not for distribution to the public.

Producer Sales Guide

Tuned-up Universal Life.A mark of excellence is always looking for ways to make something good even better. And that’s what Transamerica Life Insurance Company has done with No-Lapse Universal Life.

Enter: TransACE®

TransACE® is universal life for today’s client. Through its Assured Coverage Endorsement (ACE), it offers lifetime, guaranteed death benefit protection. Now we’ve streamlined the earlier version of TransACE to make it more competitive than ever.

With a top-rate product from a top-rate company, there’s only one direction for your business to go: up.

TransACE®

at a GlanceAge-nearest-birthday pricing. We’ve changed to an age-nearest-birthday design to ensure our best premiums are showcased, especially when pricing is based on age instead of birth date.

Issue ages up to 89. While most competitive at ages 45 to 55, TransACE covers a wide range of issue ages from 16 to 89 (up to age 69 for Select Nonsmokers).

Coverage to age 121 and beyond. With rates based on the 2001 CSO tables, there is no maturity age. Coverage continues to age 121 and beyond.

Banded premiums. TransACE offers three competitive face-amount bands: $ 25,000 – $ 99,999 $100,000 – $249,999 $250,000+ $100,000 minimum for Select Nonsmokers

Underwriting Classes: n Select Nonsmoker n Preferred Nonsmoker n Standard Nonsmoker n Nonsmoker n Preferred Smoker n Standard Smoker n Smoker

Two Death Benefit Options: Option L: Level Death Benefit Option R: Plus-Premium (return of premium)

Surrender Charges: 20 policy years

Riders and Options: n Accident Indemnity Rider n Children’s Insurance Rider n Guaranteed Insurability Rider n Waiver Provision

Sample Premiums

Age 55, Nonsmoker, $1 Million Age 55, Nonsmoker, $1 Million No-Lapse Policy No-Lapse Policy WITH ROP

Level Pay Single Pay 10 Pay Level Pay 10 Pay

Male Female Male Female Male Female Male Female Male Female

Preferred $12,029 $ 9,840 $186,373 $156,124 $23,756 $19,881 $16,491 $12,876 $29,539 $23,810

Standard $15,100 $11,681 $226,212 $181,768 $28,918 $23,185 $22,079 $15,903 $37,894 $28,632

TransACE®

in ActionAs a competitively priced, guaranteed-for-life UL policy, TransACE is a perfect fit for a variety of legacy and estate planning strategies. Contact your Transamerica General Agent for our Program Highlights & Fact Finder, or Producer Guide on any of the strategies below.

Bypass Trust Planning. This strategy allows a couple to maximize the assets they can leave to their loved ones.

Estate Planning for Blended Families. A traditional estate plan is designed to benefit the surviving spouse and minimize estate taxes. However, it doesn’t take into account the needs of children from a previous marriage, who may not receive an inheritance until the death of the new spouse—who might be closer to the children’s ages. A TransACE policy on the spouse with children from a previous marriage can provide an effective strategy for addressing this problem by providing a source of assets for the children, while preserving the original estate for the surviving spouse and/or new family.

Special Needs Trust Planning. This tool enables clients to take better care of a disabled loved one beyond merely leaving an inheritance, which can often disqualify the person with special needs from federal needs-based assistance. Special Needs Trust planning ensures that trust assets provide benefits

to supplement the disabled beneficiary’s care while keeping other sources of support intact.

Charitable Legacy Planning. It’s a common misconcep-tion that one needs to be wealthy to leave money to a charitable cause. A charitable person can leave behind a generous legacy, and possibly benefit from an estate tax deduction, by purchasing a TransACE policy and naming their favorite charity as the beneficiary.

Business Succession Planning. An untimely death, retirement, or impairment of a partner or key employee can have a significant impact on the future of a business. Business succession planning is crucial to securing an orderly transfer of company interests to desired parties under specified, controlled circumstances.

A Winning LineupTransACE® continues to offer a strong set of prod-uct features to clients. But we’ve enhanced existing features in the old policy and added new ones to make it an even more competitive product.

Time Is on Their Side. We understand the challenges that sometimes arise in making premium payments exactly on time every time. That’s why TransACE’s “shadow account” allows a full policy-month win-dow to pay premiums. If premiums are a few days late, they are applied to the Policy Threshold as though they were received on time. With this feature, keeping the guarantees on track is easier than ever.

A Commitment for Excellence. To create the new, competitive TransACE, we’ve brought back the Re-quired Annual Premium (RAP) commitment design, which still includes the Premium Qualification Cred-it—a 2% guaranteed bonus that is added each year to the client’s accumulation value during the five-year premium commitment if the RAP is paid before the year-end anniversary. First-year compensation is pay-able on first-year premiums paid up to the lower of the RAP commitment or the maximum target.

The Power of Reputation. Clients know the impor-tance of a strong, reliable company standing behind their life insurance policy. With TransACE, you bring the strength and reputation of the Transamerica brand, along with a first-rate product, to the table.

One Product. Several Premium Options. There is tremendous value in having a choice of premium structures within a single product. Whether strategies require a lump-sum payment, a short-pay arrange-ment, or a lifetime, level-pay plan, TransACE gives you a policy with the flexibility to help meet the cli-ent’s objective.

Return of Premium (ROP) Option. The Plus-Premium Option on TransACE gives you a better tool to help the client meet legacy and estate planning needs. At death, beneficiaries receive the face amount plus the premiums paid.

OL 2231 T 1008 TransACE® Universal Life Insurance Producer Sales Guide

For producer use only. Not for distribution to the public.

To learn more about TransACE and the advanced planning strategies described in this guide, contact your General Agent or log on to the TransACT® Web site (www.tatransact.com).

Transamerica Insurance & Investment Group and its representatives do not give tax or legal advice. This material is for informational

purposes only and should not be construed as tax or legal advice. Clients and other interested parties should be urged to consult with

and rely solely upon 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 #2-73636107 (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.