1. Kick-Off to Sales For producer use only. Not for distribution to the public. Why Insurance Professionals Should Sell Qualified Plans

2. Kick-Off to Sales For producer use only. Not for distribution to the public. James Hahn Vice President, Sales

3. For producer use only. Not for distribution to the public. Charlotte September 15 Charlotte Marriott S. Park Phoenix September 16 Scottsdale Plaza Ft. Lauderdale September 28 Westin Fort Lauderdale Kansas City September 29 Marriott Country Club Plaza Hartford October 12 Marriott Farmington Philadelphia October 13 Crowne Plaza Hotel Philadelphia West Chicago October 14 Westin O’Hare Irvine October 26 Hyatt Regency Irvine Seattle October 27 Seattle Marriott Waterfront For more information contact your General Agent or dial (866) 545-9058.

4. Kick-Off to Sales For producer use only. Not for distribution to the public. Why Insurance Professionals Should Sell Qualified Plans Michael Gunnar Senior Advanced Marketing Consultant

5. For producer use only. Not for distribution to the public.  New product enhancement  New qualified plan concept  New marketing materials What’s New

6. For producer use only. Not for distribution to the public.  Lower minimum face amounts  New limited underwriting program New Product Enhancement… TransSecure ® II

7. For producer use only. Not for distribution to the public.  Increased opportunity to offer life insurance in qualified plans  Life insurance for lower-paid employees  Limited underwriting on face amounts between $5,000 and $24,999 Benefits of Reduced Face Amount

8. For producer use only. Not for distribution to the public. How does it work?  Group must consist of at least seven participants  Policies with face amounts between $5,000 and $24,999 must go through limited underwriting TransSecure ® II’s Limited Underwriting Program For producer use only. Not for distribution to the public.

9. How does it work?  At least two lives must be fully underwritten consisting of at least 80% of plans death benefit  At least two lives must go through limited underwriting TransSecure ® II’s Limited Underwriting Program

10. For producer use only. Not for distribution to the public. Submitting new business  Prior approval must be obtained from Advanced Marketing  Submit cover memo with applications TransSecure ® II’s Limited Underwriting Program

11. For producer use only. Not for distribution to the public.  Opportunity to expand into new markets  Businesses with larger number of employees and/or owners New Qualified Plan Concept… Cash Balance Plan

12. For producer use only. Not for distribution to the public. New Qualified Plan Concept… Cash Balance Plan  How does it differ from traditional DB plan? –“Hybrid” defined benefit plan –Additional plan design flexibility

13. For producer use only. Not for distribution to the public. Sales Tips Terrell Cook Regional Marketing Director

14. For producer use only. Not for distribution to the public.  Cash Balance Plan Consumer Brochure*  Cash Balance Plan CE Presentation*  Defined Benefit Plan and Profit Sharing in Combination Consumer Brochure* * Coming soon New Marketing Material

15. For producer use only. Not for distribution to the public. Next Kick-Off Webinar: You Can’t Take It With You, But You Can Give It All Away October 12, 2010 For more info contact your General Agent or the Sales Desk at (866) 545-9058 Save the Date: October

16. For producer use only. Not for distribution to the public. 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. Transamerica Insurance & Investment Group (“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 income, gift, and estate 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 September 2010. Transamerica Financial Life Insurance Company is authorized to conduct business in New York. Transamerica Life Insurance Company is authorized to conduct business in all other states.

17. Kick-Off to Sales For producer use only. Not for distribution to the public. Why Insurance Professionals Should Sell Qualified Plans EVE 2055I 0910