Why Insurance Professionals Should Sell Qualified Plans

1. Why Insurance Professionals Should Sell Qualified Plans

2. James Hahn Vice President, Sales

3. For more information contact your General Agent or dial (866) 545-9058.

4. Why Insurance Professionals Should Sell Qualified Plans Michael Gunnar Senior Advanced Marketing Consultant

5. What’s New • New product enhancement • New qualified plan concept • New marketing materials

6. New Product Enhancement…TransSecure® II Lower minimum face amounts New limited underwriting program

7. Benefits of Reduced Face Amount 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

8. TransSecure®II’s Limited Underwriting Program 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

9. TransSecure®II’s Limited Underwriting Program 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

10. TransSecure®II’s Limited Underwriting Program Submitting new business • Prior approval must be obtained from Advanced Marketing • Submit cover memo with applications

11. New Qualified Plan Concept…Cash Balance Plan • Opportunity to expand into new markets • Businesses with larger number of employees and/or owners

12. New Qualified Plan Concept…Cash Balance Plan • How does it differ from traditional DB plan? • “Hybrid” defined benefit plan • Additional plan design flexibility

13. Sales Tips Terrell Cook Regional Marketing Director

14. New Marketing Material Cash Balance Plan Consumer Brochure* Cash Balance Plan CE Presentation* Defined Benefit Plan and Profit Sharing in Combination Consumer Brochure* * Coming soon

15. Save the Date: October 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

16. 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.

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