Everyone deserves a better Tomorrow.

Transcription

1 Everyone deserves a better Tomorrow. Trans$ure SM is interest sensitive whole life insurance with benefits that never decrease and premiums that never increase. Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. 4% guaranteed interest rate and coverage for your eligible family members. Now without a medical exam you can buy interest sensitive whole life insurance coverage and build cash value with a guaranteed 4% interest rate. You can help protect yourself and eligible members of your family, all with the convenience of payroll deduction. You ll be able to keep your coverage and take it with you if you ever leave the company. Half of all American households say they need more life insurance. 1 How about you and your family? You can take action now by choosing the amount of coverage you need. None of us likes to think about these things, but it s important that you can also tap into your life insurance death benefit early if you re ever diagnosed with a terminal illness. 2 That benefit could really help you and your family during a difficult time. If you re ever laid off from your full-time job, there s also protection to keep paying for your policy for as long as six months. 3 Here s another plus: if you buy this policy and continue to pay the monthly cost, you have the option of choosing a reduced paid-up life insurance policy. You can cover yourself, your spouse, and your eligible dependents. In addition to your coverage, you can buy whole life policies for your spouse and each eligible child and grandchild. Or you could choose to attach term life insurance rider to your policy or your spouse s to add extra coverage for your children. For more information on the plan, your options and cost, go to the UNC Health Care HR website: Life insurance benefits that will never decrease Premiums that will never increase Accelerated Death Benefit for Terminal Illness Long Term Care Waiver of Premium Due to Layoff A 4% guaranteed interest rate Option to receive a reduced paid-up whole life insurance policy for your retirement 1 LIMRA, 2013 Insure Your Love Fact Sheet. Use of statistic does not imply endorsement. 2 Not available in Massachusetts and Puerto Rico. 3 Not available in Massachusetts, Minnesota, New Jersey, Puerto Rico, Virginia or Vermont. CWL01C(UNC)new-0114

2 Who would you like to cover? Ages Available s Available Coverage* for yourself 16 through 70 $5,000 $500,000 Spouse or equivalent by state law 16 through 65 $5,000 $100,000 Child or grandchild 15 days through age 24 $25,000 whole life policy Child 15 days through age 25 $10,000 child level term insurance rider * Not to exceed five times base salary. You can purchase coverage for just a few dollars per week. The price you pay will depend on your age and whether or not you use tobacco. The minimum weekly cost to participate is $4. Sample costs below show you how much coverage you can buy for just $4 or $10 per week. $4 A Week Non-Tobacco s Death Benefit Terminal Illness Benefit Reduced Paid Up Policy after 16 years or at Age 65, whichever is later.* 25 $24,515 $18,386 $20, $16,160 $12,110 $12, $10,055 $7,541 $6, $5,390 $4,042 $2,803 $10 A Week Non-Tobacco s Death Benefit Terminal Illness Benefit Reduced Paid Up Policy after 16 years or at Age 65, whichever is later.* 25 $61, $45, $51, $40, $30, $30, $25, $18, $15, $13, $10, $7, * Under this option, the owner may choose a Reduced Paid Up Life Insurance Policy. The cash surrender value is used to buy a level amount of whole life insurance and no further premiums will be due. The amount shown reflects the later after 16 years or at age 65 based on the insured s age and class of risk. Don t miss your opportunity! We re all busy these days, whether it s work, activities with the kids, or staying connected with family and friends. Take just a few minutes today to think about your future and your family s needs. With the convenience of payroll deduction and a range of policy choices, here s your chance to take action for tomorrow. This is a brief summary of Trans$ure SM, Interest Sensitive Whole Life Insurance. Policy underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy form series CPWL0100 and CCWL0100. Rider form series CRABTI00, CRWPL100, CRCHIL00. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details Up to date information regarding our compensation practices can be found in the Disclosures section of our website at:

3 Trans$ure SM interest sensitive whole life insurance Trans$ure SM Interest Sensitive Whole Life Insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Accelerated Death Benefit for Long-Term Care Rider Get your money early if you ever need long-term care. Wouldn t it be helpful to take an advance against your life insurance death benefit if you are ever diagnosed as being chronically ill and still know there will be life insurance left for your family? That s the purpose of your Accelerated Death Benefit for Long-Term Care Rider. Chronically ill means a licensed physician says you are unable to perform for 90 days or longer at least two activities of daily living such as dressing, taking a shower, eating, toileting, and being able to move from one activity to another or that you suffer severe issues with memory. 4% of your life insurance death benefit amount is available each month The amount of money available to you if you are ever chronically ill will be 6% of your life insurance benefit for up to 16 months, provided you are in a licensed nursing or assisted living facility. If you are receiving home health care or day care instead, it will be 4% for 25 months. When benefits are paid under this provision, your life insurance death benefit, surrender charges, and your policy s accumulation value will be reduced proportionately. If you have an outstanding policy loan, your monthly loan payments will be subtracted from your benefits every month to continuing paying off your loan balance. Any remaining balance will be paid to your beneficiary in the event of your death. If you have used all of your death benefit, the policy will end. You don t have to make monthly premium payments when you re chronically ill You will not need to make monthly premium payments during the months you are receiving benefits under this provision (those amounts are waived for you). Accelerated death benefit provisions all work together You may have other accelerated death benefits that allow you to access your life insurance early for critical illness or other purposes. Remember that all of these provisions work together and will pay no more than 100% of your life insurance death benefit. Be aware of how this money is taxed When you get early life insurance benefits, you may have to pay taxes on all or part of this money, although these payments are intended to be excluded from your gross income for federal tax purposes. We may update the policy language with an amendment from time to time to meet any future tax changes or make needed tax clarifications, and if we do, you ll receive a written notice of any changes. We cannot guarantee how these payments will be treated for income tax purposes. These monthly payments could also impact your eligibility for public assistance programs. Talk with a qualified tax advisor and appropriate social services agencies to help you understand how an early payout could affect you and your family. This rider may not cover all the costs associated with long term care incurred during the period of coverage. Up to date information regarding our compensation practices can be found in the Disclosures section of our website at This is a brief summary of Accelerated Death Benefit for Long Term Care Rider offered with Trans$ure SM Whole Life Insurance. Limitations and exclusions apply. Be sure to read your insurance certificate for the exact definition of disability and the way this benefit is applied in North Carolina. Refer to the policy, certificate and riders for complete details. Rider Form Series CRABLTNC. CWL03C3(NC)-0613

4 Trans$ure SM interest sensitive whole life insurance Trans$ure SM Interest Sensitive Whole Life Insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Waiver of Premium Benefit Rider Planning for an unexpected disability can help offer financial security. This rider helps protect against the loss of coverage if you, the insured employee, become totally disabled. Benefits continue for as long as the total disability lasts. The disability must begin prior to age 60 and while coverage (under this rider) is in force. This rider will be included on all contracts issued for insured employees age 16 through 55 and insured family members. This benefit also applies to the monthly premiums for any coverage on insured dependents, however, this feature is only activated upon the employee s disability. Totally disability is the inability of the owner, because of bodily injury or disease to perform the material and substantial duties of his or her occupation. We will also recognize as total disability the owner s complete and irrevocable loss of any one of the following: Sight of both eyes Use of both hands or both feet Use of one hand and one foot Hearing in both ears The waiver of premium benefits stops on the earliest of the following dates: The owner s total disability ends; The owner refuses to give us proof of continuing total disability; The owner refuses to be examined by a physician of our choice, at our expense; or The contract ends. This rider will terminate on the earliest of: The Anniversary on or following the insured s 60th birthday, unless the owner is totally disabled prior to that date; The date that the rider or contract lapse for failure to pay premiums, subject to the grace period provision of the contract; The date a non forfeiture option under the contract, if any, becomes effective; The date the contract to which this rider is attached terminates; The date on which this rider is terminated upon the owner s written request; or The date the insured dies. There is a waiting period of 6 consecutive months of total disability that starts on the date the owner s total disability begins. Up to date information regarding our compensation practices can be found in the Disclosures section of our website at: This is a brief summary of the Waiver of Premium Benefit Rider offered with Trans$ure SM Interest Sensitive Whole Life Insurance. Be sure to read your insurance certificate for the exact definition of disability and the way this benefit is applied in your state. Rider form series CRWP0100. Forms and form numbers may vary. Coverage may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the rider for complete details. CWL03C6-0613

5 Non-Tobacco $10.00 Semi-Monthly Premium $12.00 Semi-Monthly Premium $16.00 Semi-Monthly Premium at 16 39,099 16,916 46,917 20,299 62,550 27, ,746 16,255 45,295 19,506 60,390 26, ,485 15,636 43,780 18,763 58,371 25, ,200 15,010 42,240 18,012 56,317 24, ,003 14,423 40,804 17,307 54,402 23, ,795 13,833 39,354 16,599 52,470 22, ,585 13,243 37,904 15,893 50,534 21, ,428 12,678 36,510 15,212 48,678 20, ,348 12,147 35,218 14,576 46,953 19, ,276 11,620 33,930 13,944 45,239 18, ,187 11,089 32,623 13,306 43,498 17, ,093 10,559 31,313 12,671 41,748 16, ,085 10,065 30,102 12,078 40,134 16, ,055 9,566 28,865 11,478 38,485 15, ,083 9,091 27,700 10,909 36,930 14, ,167 8,640 26,599 10,368 35,465 13, ,262 8,196 25,515 9,836 34,018 13, ,345 7,750 24,413 9,300 32,548 12, ,470 7,323 23,364 8,788 31,149 11, ,638 6,916 22,366 8,299 29,820 11, ,782 6,503 21,339 7,803 28,449 10, ,977 6,112 20,373 7,334 27,162 9, ,198 5,734 19,438 6,881 25,915 9, ,459 5,374 18,548 6,448 24,730 8, ,737 5,024 17,683 6,029 23,577 8, ,047 4,689 16,856 5,627 22,474 7, ,389 4,369 16,067 5,243 21,420 6, ,763 4,063 15,314 4,875 20,418 6, ,155 3,767 14,585 4,521 19,446 6, ,597 3,492 13,916 4,190 18,554 5, ,997 3,208 13,196 3,850 17,593 5, ,424 2,937 12,508 3,525 16,676 4, ,790 2,656 11,748 3,187 15,663 4, ,176 2,386 11,011 2,863 14,681 3, ,610 2,135 10,332 2,563 13,776 3, ,072 1,899 9,686 2,278 12,914 3, ,563 1,676 9,076 2,012 12,100 2, ,085 1,468 8,502 1,761 11,336 2, ,636 1,273 7,964 1,527 10,618 2, ,217 1,091 7,461 1,309 9,947 1, ,739 1,066 8,087 1,279 10,782 1, , ,622 1,065 10,163 1, , , ,577 1, , , , , , , N/A 5, , N/A 5, , N/A 5, , N/A N/A 6, N/A N/A 6, N/A N/A 5, N/A N/A 5, N/A N/A 5, N/A N/A N/A N/A N/A N/A 70 The premium requested results in a face amount outside the allowable limits. ($5,000 - $500,000) Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

6 Tobacco $10.00 Semi-Monthly Premium $12.00 Semi-Monthly Premium $16.00 Semi-Monthly Premium at 16 29,027 14,084 34,833 16,901 46,443 22, ,412 13,715 34,092 16,457 45,454 21, ,817 13,358 33,381 16,030 44,503 21, ,822 12,810 32,187 15,372 42,912 20, ,757 12,231 30,908 14,677 41,209 19, ,800 11,706 29,758 14,046 39,676 18, ,838 11,181 28,606 13,417 38,140 17, ,928 10,682 27,513 12,819 36,682 17, ,004 10,180 26,405 12,216 35,204 16, ,114 9,696 25,337 11,636 33,779 15, ,157 9,185 24,187 11,021 32,249 14, ,220 8,686 23,064 10,423 30,750 13, ,395 8,240 22,074 9,888 29,430 13, ,561 7,793 21,073 9,352 28,096 12, ,741 7,355 20,089 8,826 26,783 11, ,929 6,923 19,115 8,308 25,486 11, ,203 6,531 18,244 7,838 24,323 10, ,504 6,154 17,406 7,385 23,206 9, ,797 5,776 16,556 6,931 22,073 9, ,139 5,422 15,767 6,507 21,022 8, ,484 5,073 14,980 6,087 19,972 8, ,860 4,740 14,233 5,689 18,976 7, ,281 4,429 13,536 5,314 18,049 7, ,707 4,124 12,848 4,948 17,131 6, ,172 3,837 12,207 4,604 16,274 6, ,664 3,564 11,596 4,277 15,462 5, ,187 3,307 11,024 3,968 14,698 5, ,739 3,064 10,486 3,677 13,981 4, ,303 2,830 9,964 3,396 13,285 4, ,896 2,609 9,476 3,131 12,633 4, ,416 2,370 8,899 2,844 11,865 3, ,964 2,145 8,357 2,574 11,142 3, ,544 1,936 7,853 2,323 10,471 3, ,144 1,737 7,373 2,084 9,830 2, ,770 1,551 6,924 1,861 9,232 2, ,418 1,376 6,501 1,651 8,667 2, ,089 1,212 6,107 1,454 8,142 1, N/A 5,735 1,270 7,646 1, N/A 5,382 1,097 7,176 1, N/A 5, ,741 1, N/A 5, ,339 1, N/A 5, ,941 1, N/A N/A 6, N/A N/A 6, N/A N/A 5, N/A N/A 5, N/A N/A 5, N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 70 The premium requested results in a face amount outside the allowable limits. ($5,000 - $500,000) Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

7 Non-Tobacco $20.00 Semi-Monthly Premium $24.00 Semi-Monthly Premium $28.00 Semi-Monthly Premium at 16 78,187 33,828 93,822 40, ,461 47, ,484 32,506 90,577 39, ,673 45, ,960 31,268 87,548 37, ,141 43, ,392 30,017 84,471 36,020 98,545 42, ,999 28,842 81,597 34,610 95,195 40, ,583 27,662 78,699 33,194 91,815 38, ,169 26,486 75,799 31,782 88,432 37, ,844 25,351 73,015 30,422 85,182 35, ,688 24,290 70,426 29,148 82,161 34, ,544 23,237 67,854 27,885 79,162 32, ,369 22,176 65,241 26,610 76,114 31, ,183 21,116 62,617 25,338 73,052 29, ,165 20,129 60,197 24,154 70,228 28, ,104 19,129 57,724 22,955 67,343 26, ,162 18,180 55,392 21,816 64,623 25, ,328 17,279 53,193 20,734 62,057 24, ,521 16,391 51,026 19,670 59,529 22, ,684 15,498 48,820 18,597 56,955 21, ,935 14,645 46,722 17,574 54,507 20, ,273 13,831 44,726 16,596 52,179 19, ,560 13,004 42,672 15,604 49,783 18, ,951 12,223 40,741 14,667 47,530 17, ,394 11,468 38,872 13,761 45,350 16, ,912 10,747 37,095 12,896 43,277 15, ,470 10,048 35,364 12,057 41,257 14, ,090 9,377 33,708 11,252 39,326 13, ,774 8,736 32,129 10,484 37,483 12, ,522 8,125 30,626 9,750 35,730 11, ,307 7,534 29,168 9,041 34,029 10, ,192 6,983 27,830 8,379 32,468 9, ,991 6,415 26,389 7,698 30,787 8, ,845 5,874 25,014 7,049 29,183 8, ,578 5,311 23,494 6,373 27,409 7, ,351 4,771 22,021 5,726 25,691 6, ,219 4,271 20,663 5,125 24,106 5, ,142 3,797 19,370 4,556 22,598 5, ,125 3,352 18,149 4,022 21,174 4, ,170 2,935 17,003 3,522 19,837 4, ,272 2,545 15,927 3,054 18,581 3, ,434 2,182 14,920 2,618 17,407 3, ,477 2,131 16,173 2,558 18,868 2, ,703 1,775 15,244 2,130 17,784 2, ,972 1,438 14,366 1,726 16,760 2, ,274 1,117 13,529 1,340 15,784 1, , , ,852 1, , , , , , , , , , , , , ,749 9,299 10, ,245 8,694 10, ,772 8,126 9, ,324 7,588 8, ,900 7,080 8, ,501 6,601 7, Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

8 Tobacco $20.00 Semi-Monthly Premium $24.00 Semi-Monthly Premium $28.00 Semi-Monthly Premium at 16 58,050 28,166 69,659 33,799 81,268 39, ,813 27,425 68,176 32,911 79,535 38, ,627 26,712 66,753 32,055 77,877 37, ,638 25,616 64,367 30,740 75,094 35, ,509 24,459 61,810 29,350 72,112 34, ,594 23,409 59,511 28,090 69,431 32, ,672 22,360 57,209 26,833 66,740 31, ,852 21,363 55,022 25,635 64,192 29, ,003 20,358 52,802 24,428 61,602 28, ,223 19,390 50,666 23,267 59,110 27, ,308 18,366 48,370 22,040 56,430 25, ,437 17,370 46,123 20,843 53,809 24, ,787 16,479 44,145 19,775 51,500 23, ,119 15,585 42,142 18,701 49,165 21, ,478 14,708 40,173 17,649 46,867 20, ,856 13,845 38,227 16,614 44,597 19, ,404 13,062 36,485 15,674 42,563 18, ,007 12,307 34,808 14,768 40,608 17, ,590 11,551 33,108 13,861 38,625 16, ,277 10,844 31,531 13,013 36,786 15, ,965 10,145 29,957 12,174 34,949 14, ,718 9,480 28,463 11,376 33,205 13, ,559 8,857 27,072 10,629 31,582 12, ,413 8,247 25,695 9,896 29,976 11, ,342 7,673 24,410 9,207 28,478 10, ,326 7,128 23,191 8,554 27,056 9, ,372 6,613 22,046 7,936 25,720 9, ,476 6,128 20,971 7,353 24,466 8, ,605 5,659 19,926 6,791 23,247 7, ,791 5,218 18,950 6,262 22,107 7, ,830 4,739 17,796 5,687 20,762 6, ,927 4,290 16,712 5,148 19,497 6, ,088 3,871 15,705 4,645 18,323 5, ,287 3,474 14,744 4,168 17,202 4, ,540 3,101 13,848 3,722 16,156 4, ,834 2,751 13,001 3,301 15,167 3, ,177 2,423 12,212 2,908 14,248 3, ,557 2,116 11,468 2,539 13,380 2, ,969 1,828 10,763 2,193 12,557 2, ,426 1,560 10,112 1,872 11,797 2, ,173 1,519 11,008 1,823 12,843 2, ,676 1,257 10,411 1,509 12,146 1, ,206 1,009 9,847 1,210 11,488 1, , , ,861 1, , , , , , , , , , , , , , , , ,478 6,574 7, ,149 6,179 7, N/A 5,809 6, N/A 5,455 6, N/A 5,118 5, N/A N/A 5, The premium requested results in a face amount outside the allowable limits. ($5,000 - $500,000) Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

9 Non-Tobacco $32.00 Semi-Monthly Premium $36.00 Semi-Monthly Premium $40.00 Semi-Monthly Premium at ,098 54, ,732 60, ,369 67, ,768 52, ,864 58, ,958 65, ,730 50, ,322 56, ,909 62, ,622 48, ,698 54, ,775 60, ,795 46, ,394 51, ,990 57, ,930 44, ,046 49, ,160 55, ,065 42, ,696 47, ,328 52, ,350 40, ,517 45, ,683 50, ,897 38, ,633 43, ,370 48, ,471 37, ,778 41, ,085 46, ,986 35,480 97,858 39, ,730 44, ,488 33,783 93,922 38, ,357 42, ,259 32,204 90,291 36, ,323 40, ,963 30,605 86,582 34,430 96,202 38, ,855 29,087 83,086 32,723 92,316 36, ,922 27,645 79,786 31,100 88,651 34, ,032 26,226 76,535 29,503 85,039 32, ,092 24,796 73,228 27,895 81,364 30, ,294 23,431 70,080 26,360 77,866 29, ,633 22,127 67,087 24,893 74,540 27, ,895 20,805 64,007 23,406 71,118 26, ,320 19,556 61,110 22,000 67,899 24, ,828 18,348 58,305 20,641 64,783 22, ,459 17,195 55,640 19,344 61,821 21, ,151 16,076 53,044 18,085 58,937 20, ,943 15,003 50,561 16,878 56,179 18, ,838 13,978 48,193 15,725 53,546 17, ,834 13,000 45,937 14,624 51,041 16, ,890 12,054 43,751 13,561 48,611 15, ,105 11,172 41,743 12,568 46,381 13, ,185 10,264 39,582 11,547 43,980 12, ,352 9,399 37,520 10,573 41,689 11, ,325 8,497 35,240 9,559 39,156 10, ,361 7,634 33,031 8,588 36,701 9, ,549 6,833 30,993 7,687 34,436 8, ,826 6,075 29,054 6,834 32,283 7, ,199 5,363 27,224 6,034 30,248 6, ,671 4,697 25,504 5,283 28,338 5, ,235 4,072 23,889 4,581 26,544 5, ,893 3,490 22,380 3,927 24,866 4, ,563 3,410 24,258 3,836 26,953 4, ,325 2,840 22,865 3,195 25,406 3, ,154 2,301 21,548 2,588 23,942 2, ,038 1,787 20,293 2,011 22,548 2, ,974 1,299 19,096 1,462 21,217 1, , , ,939 1, , , , , , , , , , ,398 13,948 15, ,592 13,040 14, ,835 12,189 13, ,118 11,383 12, ,440 10,620 11, ,801 9,901 11, Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31

10 Tobacco $32.00 Semi-Monthly Premium $36.00 Semi-Monthly Premium $40.00 Semi-Monthly Premium at 16 92,877 45, ,486 50, ,094 56, ,898 43, ,260 49, ,619 54, ,003 42, ,126 48, ,251 53, ,820 40,986 96,545 46, ,273 51, ,414 39,134 92,713 44, ,014 48, ,349 37,454 89,266 42,134 99,184 46, ,275 35,775 85,808 40,247 95,342 44, ,361 34,180 82,529 38,451 91,698 42, ,403 32,571 79,202 36,642 88,001 40, ,554 31,023 75,997 34,900 84,441 38, ,491 29,385 72,551 33,058 80,612 36, ,496 27,790 69,183 31,264 76,868 34, ,857 26,366 66,214 29,661 73,570 32, ,189 24,935 63,211 28,051 70,233 31, ,562 23,531 60,257 26,473 66,952 29, ,968 22,151 57,339 24,920 63,708 27, ,644 20,897 54,723 23,509 60,803 26, ,410 19,691 52,210 22,152 58,011 24, ,142 18,480 49,660 20,790 55,177 23, ,041 17,350 47,295 19,518 52,550 21, ,942 16,231 44,934 18,260 49,927 20, ,949 15,167 42,692 17,063 47,435 18, ,094 14,171 40,605 15,942 45,117 17, ,259 13,194 38,540 14,843 42,823 16, ,546 12,276 36,613 13,810 40,681 15, ,921 11,405 34,786 12,830 38,650 14, ,395 10,581 33,068 11,903 36,742 13, ,960 9,804 31,455 11,029 34,950 12, ,568 9,054 29,888 10,186 33,210 11, ,266 8,349 28,424 9,393 31,582 10, ,728 7,582 26,694 8,530 29,659 9, ,282 6,863 25,068 7,721 27,852 8, ,940 6,194 23,557 6,968 26,174 7, ,659 5,558 22,116 6,252 24,573 6, ,463 4,962 20,771 5,582 23,079 6, ,334 4,401 19,500 4,951 21,667 5, ,283 3,877 18,318 4,362 20,354 4, ,291 3,386 17,202 3,809 19,113 4, ,351 2,924 16,145 3,290 17,939 3, ,482 2,496 15,167 2,808 16,852 3, ,677 2,430 16,512 2,734 18,347 3, ,882 2,012 15,617 2,263 17,352 2, ,129 1,614 14,770 1,816 16,411 2, ,412 1,234 13,963 1,388 15,515 1, , , ,657 1, , , , , , , , , , , , , ,765 9,860 10, ,239 9,269 10, ,746 8,714 9, ,273 8,182 9, ,824 7,677 8, ,398 7,197 7, Underwritten by Transamerica Life Insurance Company. Home Office, Cedar Rapids, IA. Issue State: NC 8/18/2014 Ver. 31