Transamerica Sales Ideas / Concepts For Producer Use Only. Not for public distribution.

Advanced Premium Payments Pay up your Term policy – save money!! Great for grandparents with grandkids Higher end Market place Can also pay certain number of years first, then pay annual thereafter Works on ALL term products – including the Trendsetter Super with ROP – get more money back then you pay in

Advance Premium Payments Trendsetter LB Rate Guide YearsSingle Sum Factor YearsSingle Sum Factor

Advanced Premium Payments

Living! Living Too Long? Tax Free Retirement Male: Age 39, Preferred NT PREMIUM:$6,000 / Year ISSUE:$173,369 AGE 65:$571,314 INCOME BEGINNING AT 65:$62,268 Terminal 65:$484,386 Chronic 65:$8,041 / Month Critical 65:$456,196 BUT IF I NEED TO USE MY BENEFITS, DOESN’T THAT AFFECT THE POLICY?

Is this better for your client? Male: Age 39, Preferred NT PREMIUM (IUL):$5,400 / Year PREMIUM ( 30 YR LB TERM):$600 / Year PREMIUM (Total):$6,000 / Year (SAME) TOTAL ISSUE:$155,815 + $367,700 = $523,515 AGE 65:$513,430 + $367,700 = $881,130 INCOME BEGINNING AT 65:$55,947 ONLY A $6,000 Difference! Terminal 65:$435,286 + $346,394 = $781,680 Chronic 65:$7,226 / Month + $66,810 Annual Critical 65:$409,952 + $253,960 = $663,912 Combo Sale – IUL & Trendsetter LB

For Producer use only. Not for public distribution How many small business do you drive by every day?

For Producer use only. Not for public distribution LIMRA sees opportunity among small businesses LifeHealthPro, June 12, 2013  53 percent of these business don't offer benefits and that two-thirds of them have not been approached by a broker or agent within the last 12 months.  More than 4 in 10 of these businesses have considered offering benefits AND  Nearly half agreed to meet with a producer once they were contacted.  98 percent of employers in the U.S. have fewer than 100 employees,  35 percent of the U.S. workforce  representing about 40 million workers

For Producer use only. Not for public distribution

Overcoming Objections… 1.Too Expensive If you cannot afford to set aside $25 per week now – how would your family afford to live without your paycheck if you were gone? If you had a money making machine in your garage – would you insure it? 2.Not Now / Check Back Who should I ask for if you are no longer here? Let me ask you – do you have home owner’s insurance, car insurance, health insurance? They protect against the “what if’s”. What if you get critically, chronically or terminally ill or die? God doesn’t put a note on your pillow letting you know when this is going to happen in 6 months. 3.I Have Enough You know $___________ of life insurance is quite a bit – ….IF you don’t plan to be gone very long So, if you won a $___________ lottery – ….Would you quit your job(s)? 4.God will take care of me ……How do you know God didn’t send me?

Old Insurance or the New Insurance? Flyers you can personalize with your contact information to Educate on the “old” & the “new” Do you still have a TV taking up your whole living room? Dust off the old and do more with the new! Contact us today to change the picture & tune into your Life Event Needs, secure your Tomorrow… Think about your What If…Think about your Tomorrow… Think Transamerica to Protect your Tomorrow from your What If!

Income Protection Option (IPO) Death Benefit

What would… your family do without your income? your family do with a sudden influx of money IPO – no cost option – Reduce stress – provides a pre-planned income to make lives more manageable – Allows you to choose how/whom to leave a legacy

Determining the Need 40 Yr Male, NS, Standard Plus, Trendsetter LB – 20 year 3 easy questions 1.Immediate – cover mortgage, credit card, final expense? 2.Monthly Expenses – how much / how long? 3.Final lump sum – help with retirement, college tuition?

For Producer use only. Not for public distribution Income Protection Option (IPO) 40 Yr Male, NS, Standard Plus, Trendsetter LB – 20 year Initial Lump Sum $10,000 Minimum $100,000 Monthly Income Stream 5 – 25 years / $100 minimum $3,000/mo x 15 years = $540,000 Final Lump Sum $10,000 Minimum $50,000 Without using the IPO: 20-year – Face Amount $690,000 = $ Monthly With IPO 20-year - Face Amount $568,811 = $ Monthly Total $avings $ a month Total need of $690,000

FN /12 For agent training only

For Producer use only. Not for public distribution E Application Transamerica Trendsetter Term (not available for LB in CT, HI, KS, MA, NH, VA and VT) Send to client requesting e-signature (Click Wrap) Apply e-Signature using an iPad Apply e-Signature using a signature pad on a PC or laptop (you must first download the drivers) The signature pad brand that is used is Topaz Models T-S460-HSB-R T-S460-HSB T-L460-HSB-R T-L462-HSB T-LBK460-HSB-R

For Producer use only. Not for public distribution TransAce ® 2013 For agent use only. Not for public distribution.

Guaranteed Universal Life – To Age 121 Issue Ages (Age Nearest) 16 – 89 Face Amount: $25,000 – and up Fully Underwritten “Sweet spot” Face Amounts above $100,000 Multi-Flex Surrender Enhancement Endorsement Real-Time Pricing – Lock in the Client’s Rate Long Term Care Rider Key Highlights…

Optional Benefits & Riders…  Accident Indemnity Rider  Waiver of Premium Rider  Children’s Insurance Rider  Long Term Care Rider  Income Protection Option (IPO) Additional definitions and details can be found within the TransAce product guide. Subject to state availability.

Offices are closed at 2:00 p.m. Central on Tuesday, December 24th and December 31 st. Closed Christmas and New Year’s Day. Important TLIC and WRL Year-End and Commission Closing Dates Monday, December 23, 2013: all premium and final delivery requirements received in good order on or before this date by close of business will ensure placement for year end. Friday, December 27, 2013: all new business must be paid by this date to count for 2013 production. Important Alliance Group 12/31/2013 Year-End Closing Dates Friday, December 27, 2013: all premium and final delivery requirements received in good order on or before this date by close of business will ensure placement for year end. Tuesday, December 31, 2013: all new business must be paid by this date to count for 2013 production. December 30 and 31, 2013: new business and delivery requirements will continue to be processed, but are not guaranteed to be placed prior for year end. Reminder - due to system differences, it takes up to 3 business days for TLIC business to hit for production and commissions.

Thank you Happy Holidays to you and your families!