TrensetterDESC

Cost effective Premiums: Everyone's needs are different. Select from a variety of economical planned initial level premium periods that meet your needs: 10, 15, 20, 25, or 30 years. If needs change, and you wish to continue coverage beyond the intial level premium period, coverage will automatically be extended by paying a higher premium.

Higher Issue Ages: With Trendsetter, a 65-year-old applicant, for example, can now secure a new policy with a 30-year initial level premium period, taking them to age 95. There is also the flexibility to structure and lock in premiums beyond the initial level period.

TRENDSETTER

SERIES

Resource Equity Group

P.O. Box 5556, Greenville, SC 29606

800-527-1397 | 864-235-9999 | Fax 864-242-0698

Insurance and Employee Benefits Solutions Since 1974

represented by:

Protection. Value. Convenience.

TERM LIFE INSURANCE

FROM TRANSAMERICA LIFE INSURANCE COMPANY

LIFE INSURANCE ON YOUR TERMS

Predicting the future is an impossible task, and financial safety nets may be hard to come by. Now more than ever, heads of households worry about whether their families could make ends meet if something were to happen to them. In fact, a staggering 7 out of 10 families with children under 18 would have trouble paying the bills if the household breadwinner passed away unexpectedly.1 The good news is that there’s a solution.

Life insurance is one of the most cost-effective safety nets available to families seeking to provide financial security in the event of an unexpected death. And term life insurance is a particularly attractive, straightforward solution. It can give you a large amount of coverage for a low monthly cost, and is also one of the few areas where you can still find guarantees in today’s challenging economy.

WHY TERM

LIFE INSURANCE?

Term life insurance has the versatility you need to provide the right type and amount of coverage for your specific stage in life. Typical life events that increase the need for protection include:

Purchase of a new home

Planning for a child’s education

Income protection

Marriage

Birth of a child

Debt/mortgage satisfaction

Business buyout funding

Introducing the Trendsetter® Series - Coverage That Fits Your Life

Transamerica Life’s Trendsetter® Series features the versatility of Trendsetter® Super and the convenience of Trendsetter® Express, and combines all the benefits of term life insurance with policy choices that can be compatible with your needs. You can choose from different guaranteed initial premium options, coverage amounts and policy riders to create the term life coverage that best fits your overall financial plan.

Trendsetter Super offers cost-effective monthly payments, coverage options for those in their mature years, the ability to get a policy for amounts of $25,000 to $99,999 without the need for a medical exam,2 and a Return of Premium (ROP) rider that allows you to get money back at the end of your level premium period.

Easy and Economical Coverage You Can Depend On

Protection to meet your needs: Choose from competitively-priced monthly

payment options for the amount of time you need coverage, from 10, 15, 20, 25 or 30 year periods, on coverage amounts as low as $25,000.

Coverage without a medical exam: Get coverage in amounts of $25,000 to $249,999 without a doctor visit or medical exam. Available on Trendsetter Super up to $99,999, and on Trendsetter Express up to $249,999.

Income Replacement: Our Income Protection Option, allows you to set up your death benefit to pay out as monthly payments to your loved ones for up to 25 years after your death, mirroring how your income flows into your household. You can also leave lump sums at the beginning or end of the income payment period.

The Transamerica Advantage:

Stability and Strength to Transform Your Tomorrows.

When it comes to choosing a life insurance company, you want one you can depend on - a company who will be there if and when the time comes for your life insurance benefit to be paid.

Transamerica Life is a company you can trust. For more than 100 years, people have turned to Transamerica to ensure the future financial security of their families.

1. LIMRA (2010). Household Trends in U.S. Life Insurance Ownership.

2. The $25,000 to $99,999 rate band on Trendsetter Super® (Band 1) is only available on the Standard Nonsmoker and Standard Smoker risk classes on a non-med basis with the following specifications: For issue ages 18-60, the policy can be issued on a non-med basis for face amounts between $25,000 and $99,999. For issue ages 61 to 70, the policy can be issued on a non-med basis for face amounts between $25,000 and $50,000. Face amounts and/or ages above these limits are available on a fully underwritten basis.

3. Provides for return of 100% of eligible premiums at the end of the initial level premium period. Excludes substandard and other rider premiums. Only available on Trendsetter Super 20 and Super 30.

4. The $25,000 to $99,999 rate band (Band 1) and the $100,000 to $249,999 rate band (Band 2) on Trendsetter Express® are available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Non-med requirements include the application, non-medical application supplement (part 2), a Medical Information Bureau release form, prescription check and a possible personal history interview and/or an Attending Physicians Statement.

5. Not available on Trendsetter Express 10 or Trendsetter Super Series.

6. Transamerica Life Insurance Company continues the tradition of service established in 1906 when the original Transamerica life insurance company was founded.

Trendsetter® Super Series (Policy Form Nos. 1-322 11-107, 1-306 11-107, 1-305 11-107, 1-304 11-107, 1-303 11-107, and 1-334 11-107) and Trendsetter® Express (Policy Form Nos. ICC 12 TL18 or TL18) are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Premiums increase annually starting in year 2 for yearly renewable term, in year 11 for the 10-year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy forms and numbers may vary and these policies may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.

Lower Amounts of Coverage: There are different protection needs at different stages of life. Trendsetter offers policies with death benefits as low as $25,000. These smaller policy amounts are ideal for final expenses and personal needs.

Accelerated Death Benefit: In the event of a terminal illness, this benefit provides accelerated death benefits from the policy that can be used to help pay for things such as medical and living expenses and helps to avoid haivng to deplete savings or other assets.

Options and Features for Greater Savings and Protection

Trendsetter also offers distinct planning advantages when it comes to staying within a budget.

Protection for Those Who Expect the Unexpected

Life Insurance -- A Guaranteed Safety Net

800-527-1397 | mailbox@regroupusa.com