ACCUMULATION UL... 5 SOLUTION SERIES... 9 GUARANTEED WHOLE LIFE & FINAL EXPENSE...10

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2 CONTENTS TRENDSETTER SERIES... 3 ACCUMULATION UL... 5 TRANSACE CV... 6 TRANSNAVIGATOR IUL... 7 SOLUTION SERIES... 9 GUARANTEED WHOLE LIFE & FINAL EXPENSE...10 TRANSAMERICA JOURNEY...11 Permanent life insurance allows net premiums to earn interest so the cash value can grow over time, while the death benefit can provide peace of mind to the insured knowing they ve helped their family maintain their lifestyle if they pass away. This flexibility provides the balance clients are looking for. 2

3 TRENDSETTER SERIES POLICY TYPE TERM LIFE PRODUCT NAME Trendsetter Super Series Trendsetter LB Series DESCRIPTION BASED UPON FACE AMOUNT Guaranteed level premium term life insurance Term Life Insurance to age 105 Issue Ages under $100,000 Issue Ages under $100, Year Year (NS) (NS) (S) (S) 20 Year (NS) (S) 25 Year (N) (NS) (S) (S) 30 Year (NS) (NS) (S) (S) National: Age last birthday New York: Age nearest birthday $25,000 Standard Plus and Preferred Classes are available for Face amounts starting at $100,000 and higher ($250,000 Preferred Plus class) Simplified Issue Term Available to $249,999 Accelerated Death Benefit Options included Term Life Insurance to age 105 Band 1 Band 2 Band 3 & 4 10 Year Year (NS) (NS) (S) (S) 20 Year (NS) (NS) (S) (S) 25 Year (NS) (NS) (NS) (S) (S) (S) 30 Year (NS) (NS) (NS) (S) (S) (NS) Age last birthday $25,000 PREMIUM AMOUNT For direct monthly, the base policy annual premium must be $1,000 or higher GUARANTEE PERIOD Initial Level premium guarantee periods are 10, 15, 20, 25 and 30 Initial Level premium guarantee periods are 10, 15, 20, 25 and 30 DEATH BENEFIT Level Level BANDING POLICY FEE AVAILABLE RIDERS & ENDORSEMENTS SPECIAL FEATURES & BENEFITS 1) $25,000 - $99,999 2) $100,000 - $249,999 3) $250,000 - $499,999 4) $500,000 - $999,999 5) $1,000,000 - $3,000,000 6) $3,000,001 - $10,000,000 7) $10,000,001 and Up Band 1: $60 Band 2-5: $30 Accidental Death Benefit Rider Children s Insurance Rider Disability Waiver of Premium Rider Terminal Illness Accelerated Death Benefit 1 Income Protection Option (IPO)* 1) $25,000 - $99,999 2) $100,000 - $249,999 3) $250,000 - $499,999 4) $500,000 - $2,000,000 Band 1: $60 Band 2, 3, & 4: $30 Accidental Death Benefit Rider Children s Insurance Rider Monthly Disability Income Rider Disability Waiver of Premium Rider Terminal Illness Accelerated Death Benefit Option 1 Chronic Illness Accelerated Death Benefit Option 1 Critical Illness Accelerated Death Benefit Option 1 Income Protection Option* (IPO) (continued on next page) 3

4 TRENDSETTER SERIES (continued) GUARANTEED INTEREST RATE ADDITIONAL INFORMATION CONVERSION OPTION REQUIRED PREMIUM PERIOD No face increases are allowed This option must be exercised before the earlier of the end of the initial level premium period or the insured s 70th birthday (75th birthday for Preferred Plus class). No face increases are allowed This option must be exercised before the earlier of the end of the initial level premium period or the insured s 70th birthday (75th birthday for Preferred Plus class). 4

5 ACCUMULATION UL POLICY TYPE UNIVERSAL LIFE PRODUCT NAME DESCRIPTION Accumulation UL Flexible premium adjustable Universal Life Insurance BASED UPON FACE AMOUNT 0-85 Non tobacco Tobacco Preferred Preferred Tobacco Preferred Plus Preferred Elite Age last birthday $20,000 Ages 0-49 $10,000 Ages (Preferred underwriting classes available at specified amounts of $100,001) PREMIUM OUTLAY GUARANTEE PERIOD $15 Monthly $45 Quarterly Issue Ages 0-35: 30 years Issue Ages 36-50: 25 years Issue Ages 51-55: 20 years $90 Semi-annually $180 Annually Issue Ages 56-65: 15 years Issue Ages 66-75: 10 years Issue Ages 76-85: 5 years DEATH BENEFIT Level or Increasing BANDING 1) $10,000 - $49,999 2) $50,000 - $100,000 3) $100,001 - $249,999 4) $250,000 and above POLICY FEE $3 per month/current $5 per month/guaranteed AVAILABLE RIDERS & ENDORSEMENTS Accidental Death Benefit Rider Additional Insured Rider Base Insured Rider Children s Benefit Rider Guaranteed Insurability Benefit Rider Waiver of Monthly Deduction Rider Waiver of Premium Rider SPECIAL FEATURES & BENEFITS Nursing Care Surrender Option Rider The owner may elect to withdraw a portion of the Policy Value Free of surrender changes. Terminal Illness Accelerated Death Benefit Rider 1 GUARANTEED INTEREST RATE 4.0% ADDITIONAL INFORMATION Surrender charge capped at target premium for policies with 1035 exchange. CONVERSION OPTION REQUIRED PREMIUM PERIOD Conversion is allowed to this product 5

6 TRANSACE CV POLICY TYPE UNIVERSAL LIFE PRODUCT NAME DESCRIPTION BASED UPON FACE AMOUNT TransACE CV (for conversion only) No-lapse guaranteed flexible-premium universal life insurance policy. Available for traditional term conversions All risk classes 0-75 Standard nonsmoker and nonsmoker Age nearest birthday $25,000 Preferred Plus $100,000 Preferred Plus Nonsmoker PREMIUM AMOUNT $25 GUARANTEE PERIOD Lifetime 2 DEATH BENEFIT BANDING Level 1) $25,000 - $99,999 2) $100,000 - $249,999 3) $250,000 and Up POLICY FEE Part of the monthly deduction AVAILABLE RIDERS & ENDORSEMENTS Accelerated Death Benefit (in approved states) 1 Accident Indemnity Rider Children s Insurance Rider Guaranteed Insurability Rider MultiFlex Surrender Enhancement Endorsement 3 No-Lapse Guarantee Endorsement Surrender Charge Waiver Endorsement 3 ( Honeymoon Provision ) Surrender Penalty Deferral Endorsement 3 Waiver Provision Rider SPECIAL FEATURES & BENEFITS Automatic Premium Loan Income Protection Option (IPO)* Insured Exchange Option GUARANTEED INTEREST RATE ADDITIONAL INFORMATION CONVERSION OPTION REQUIRED PREMIUM PERIOD 2% Surrender Charge Period: Decreasing over 20 Policy Years Loan Availability: Loans are available any time after issue as long as there is net cash value. No face increases are allowed. Refer to the Term Conversion Guide to Doing Business for eligible term products to convert to this product. Five years 6

7 TRANSNAVIGATOR IUL POLICY TYPE INDEX UNIVERSAL LIFE PRODUCT NAME DESCRIPTION TransNavigator IUL A flexible premium Index Universal Life Insurance with multiple account options AND RISK CLASSES Select Preferred Nonsmoker Non tobacco (18-75 in Florida) Preferred Smoker Standard Smoker (18-75 in Florida) 0-17 Juvenile BASED UPON PREMIUM AMOUNT GUARANTEE PERIOD 4 Age last birthday $25 or calculated premium, whichever is greater Provided the cumulative Minimum Monthly No Lapse Premium requirements are met, each policy has a No Lapse Period as follows: Issue Ages 0-45: 20 years Issue Ages 46-60: until 65 Issue Ages 61-85: 5 years DEATH BENEFIT Level: Face Amount Increasing: Face Amount plus Policy Value These amounts may be increased to meet IRS guidelines. BANDING POLICY FEE 1) $25,000 - $99,999 2) $100,000 - $499,999 3) $500,000 and Above $10/month current; $12/month guaranteed AVAILABLE RIDERS & ENDORSEMENTS Accidental Death Benefit Rider Base Insured Rider Children s Benefit Rider Disability Waiver of Monthly Deductions Rider 5 Disability Waiver of Premium Rider 6 Guaranteed Insurability Benefit Rider Income Protection Option* Overloan Protection Rider Long Term Care Rider Terminal Illness Accelerated Death Benefit Rider 1 GUARANTEED INTEREST RATE CONVERSION OPTION PER UNIT CHARGE 2% for the Basic Interest Account; 0% for the Index Accounts Conversions from term policies are allowed during the term contract s first 5 years, subject to conversion guidelines. The current charge lasts for seven years from issue or increase date for all states. A charge per thousand of the Face Amount of the Base Policy. This charge varies by gender, risk class, duration, issue age and the Face Amount band. On a guaranteed basis, the charge applies for all years. Rates are level for the first 20 years, then increase to a new higher rate which is level until age 121. In Florida, the guaranteed charge applies for all years and does not vary by duration. (continued on next page) 7

8 TRANSNAVIGATOR IUL (continued) CURRENT (ALL STATES) Below Issue age 51 Issue ages 51 and Above Basic Excess Basic Excess Years 1-7: 7.0% 12.0% 7.0% 14.0% Year 8: 6.0% 11.0% 6.0% 13.0% Year 9: 5.0% 10.0% 5.0% 12.0% Year 10: 4.0% 9.0% 4.0% 11.0% Years 11+: 3.0% 8.0% 3.0% 10.0% PREMIUM EXPENSE CHARGE GUARANTEED (ALL STATES EXCEPT FLORIDA) Below Issue age 51 Issue ages 51 and Above Basic Excess Basic Excess Years 1-10: 7.0% 12.0% 7.0% 14.0% Years 11+: 9.0% 14.0% 9.0% 14.0% GUARANTEED (FLORIDA ONLY) Below Issue age 51 Issue ages 51 and Above Basic Excess Basic Excess Years 1-10: 7.0% 12.0% 7.0% 14.0% Year 11-Age 99: 10.0% 15.0% 10.0% 17.0% Age 100+: 7.0% 12.0% 7.0% 14.0% We apply the Excess Premium Expense Charge Rate annually for all premiums paid in a policy year in excess of the Premium Expense Charge Threshold (PECT) shown in the policy data. The PECT varies by age, sex and risk class and is set at issue and is not recalculated for any policy changes. INDEX ACCOUNT MONTHLY CHARGE 0.00% monthly for S&P 500 Index Account & Global Index Account % monthly (1.00% annually) for S&P 500 Plus Index Account & Global Plus Index Account Certain features, terms and charges associated with this product may vary by jurisdiction. 8

9 SOLUTION SERIES POLICY TYPE FINAL EXPENSE PRODUCT NAME Immediate Solution (LP121) 10 Pay Solution (10 Pay Life) DESCRIPTION BASED UPON Immediate Level Death Benefit first day FULL coverage (WA) Immediate Level Death Benefit first day FULL coverage (WA) Easy Solution (Graded Death Benefit) Graded Death Benefit or 2-year of premium (varies by jurisdiction) Male (PA) Female (PA) Age last birthday Age last birthday Age last birthday FACE AMOUNT $1,000 $5,000 (WA) $1,000 $5,000 (WA) $1,000 $5,000 (PA) PREMIUM OUTLAY GUARANTEE PERIOD Level premiums to age 121. This product endows at age 121 Level premiums for 10 years. This product endows at age 121 Level premiums for 10 years. This product endows at age 121 DEATH BENEFIT Level Level Graded MAXIMUM FACE AMOUNTS 0-55 $50, $40, $30, $25, $50, $40, $30, $25,000 $25,000 POLICY FEE Face Amounts $5,000+ Face Amounts < $5,000 Annual: $42.00 Annual: $60.00 Semi-Annual: $21.00 Semi-Annual: $30.00 Quarterly: $10.50 Quarterly: $15.00 Monthly: $3.50 Monthly: $5.00 Face Amounts $5,000+ Face Amounts < $5,000 Annual: $42.00 Annual: $60.00 Semi-Annual: $21.00 Semi-Annual: $30.00 Quarterly: $10.50 Quarterly: $15.00 Monthly: $3.50 Monthly: $5.00 Face Amounts $5,000+ Face Amounts < $5,000 Annual: $42.00 Annual: $60.00 Semi-Annual: $21.00 Semi-Annual: $30.00 Quarterly: $10.50 Quarterly: $15.00 Monthly: $3.50 Monthly: $5.00 AVAILABLE RIDERS & ENDORSEMENTS Accidental Death Benefit Rider Children/Grandchildren Benefit Rider SPECIAL FEATURES & BENEFITS GUARANTEED INTEREST RATE ADDITIONAL INFORMATION CONVERSION OPTION REQUIRED PREMIUM PERIOD Accelerated Death Benefit Rider 1 Accelerated Death Benefit Rider with Nursing Home Benefit 1 (varies by jurisdiction) Simplified Issue Underwriting Accelerated Death Benefit Rider 1 Accelerated Death Benefit Rider with Nursing Home Benefit 1 (varies by jurisdiction) Simplified Issue Underwriting 4.5% 4.5% 4.5% Most policies issued within 72 hours after receipt in the Home Office Most policies issued within 72 hours after receipt in the Home Office Unismoke Class, Simplified Issue Underwriting Most policies issued within 72 hours after receipt in the Home Office 9

10 GUARANTEED WHOLE LIFE & FINAL EXPENSE PRODUCT TYPE Final Expense Guaranteed Whole Life RISK CLASS Standard Standard (AGE NEAREST BIRTHDAY) $2,000 $50,000 1 FACE AMOUNTS North Carolina, Oregon, Iowa, Nevada and Utah: $15,001 minimum $50,001 $3,000,000 1 Washington: $25,000 minimum West Virginia: $25,001 minimum SIMPLIFIED UNDERWRITING Yes No POLICY FEE (FULLY COMMISSIONABLE) $30 $30 FACE AMOUNT BANDS Band 1: $ 2,000 $ 24,999 Band 2: $ 25,000 $ 50,000 Band 1: $ 2,000 $ 4,999 Band 2: $ 25,000 $ 99,999 Band 3: $ 100,000 $ 3,000,000 CASH VALUES Scheduled in Policy Scheduled in Policy LOANS Loans are available at any time after issue, as long as there is sufficient net cash value. The request must be made in writing. The effective annual loan interest rate is 7.4%. The amount of the loan may not exceed the maximum loan available minus any outstanding loan balance, minus loan interest to the end of the current policy year, minus any premium in default. The loan balance at any time is the sum of all loans made plus accrued loan interest, minus the sum of all loan repayments. RIDERS AND ADDITIONAL OPTIONS None Children s Insurance Rider (CIR) Waiver of Premium 2 (WP) Accelerated Death Benefit (ADB) 1 Subject to retention limits. $2,000 $50,000 available for conversions. 2 May not be available in all jurisdictions. Certain features, terms and charges associated with this product may vary by jurisdiction. Offered by Transamerica Life Insurance Company & Transamerica Financial Life Insurance Company 10

11 TRANSAMERICA JOURNEY PRODUCT TYPE RISK CLASSES ISSUE AGE (AGE NEAREST BIRTHDAY) An Individual Flexible Premium Variable Universal Life Insurance Policy Available Age Available Age Available Age 15 days to Age 18 Select Standard Smoker Juvenile Preferred Non-Smoker Standard Non-Smoker Preferred Smoker 0-85 PREMIUM $50 FACE AMOUNT BANDS DEATH BENEFIT OPTIONS NO LAPSE GUARANTEE PERIOD PREMIUM EXPENSE CHARGE MORTALITY & EXPENSE RISK CHARGE MONTHLY POLICY FEE COST OF INSURANCE CHARGES SUBACCOUNT FEES & CHARGES MONTHLY EXPENSE CHARGE ASSET REBALANCING Band 1: $ 100,000 $ 249,999 Band 2: $ 250,000 $ 499,999 Band 3: $ 500,000 $ 999,999 Band 4: $ 1,000,000 and above Level: Increasing: Graded : Face Amount Face Amount plus Policy Value Same as Option B until attained age 70, then grading to an Option A death benefit Issue ages 0-55: 10 years Issue age 58: 7 years Issue age 56: 9 years Issue age 59: 6 years Issue age 57: 8 years Issue age 60+: 5 years Puerto Rico Current: 5.0% in years 1-5, 2.5% thereafter Current: 9.0% years % years 6+ Guaranteed: 5.0% all years Guaranteed: 11.0% all years Current: 0.00% Guaranteed: 0.60% years 1-10; 0.30% thereafter Current: $12 Guaranteed: $15 monthly - through age 121; $0 thereafter The monthly cost of insurance (COI) charge depends on several factors such as the Face Amount, underwriting classification, age, gender, as well as the difference between the Policy Value and death benefit. The COI charges will vary each month. See the prospectus for details. Investment fees and charges are associated with the subaccounts. These charges differ by subaccount. See the prospectus for complete details. Per $1,000 of Base and Additional Insured Rider (AIR) Face Amount. Currently charged for the first two to five policy years and for the first two to five years after a face amount increase on the Base Policy. This charge is also applied to the AIR for four years from Rider issue or increase. The charge varies by the age and gender of insured and Face Amount band. The charge is shown on the policy data pages. $5,000 minimum policy value or initial premium DOLLAR COST AVERAGING TRANSFERS SURRENDER CHARGE PERIOD WITHDRAWALS LOANS RIDERS AND ADDITIONAL FEATURES $5,000 minimum policy value in money market or bond subaccounts or the Fixed Account ($100 minimum transfer). 12 free transfers per policy year ($25 fee per transfer thereafter) years from issue or date of any increase in Face Amount, depending on issue or increase age. Minimum $500 Maximum: Cash surrender value minus $500 Charge: $25 or 2.0% of amount withdrawn, whichever is less Availability: Anytime after issue Minimum: $500 Maximum: 90% of cash surrender value, minus loan interest that will accrue prior to the next anniversary Availability: Any time after the free look period Accidental Death Benefit Rider Disability Waiver of Premium Rider Additional Insured Rider (AIR) Income Protection Option* (IPO) Base Insured Rider (BIR) Long Term Care Rider** (LTC Rider) Children s Benefit Rider (CBR) Overloan Protection Rider (OPR) Disability Waiver of Monthly Terminal Illness Accelerated Death Benefit Endorsement Deductions Rider *If LTC rider is selected, no other optional riders may be selected Certain features, terms and charges associated with this product may vary by jurisdiction. Offered by Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company 11

12 MORE INFORMATION The S&P 500 Index is a product of S&P Dow Jones Indices LLC ( SPDJI ), and has been licensed for use by the Company. Standard & Poor s, S&P and S&P 500 are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the Company. This Policy is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing this product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. * A portion of each monthly payment and a portion of the final lump sum payable under the policy s Income Protection Option are reportable as interest income. The policy illustration provides the tax-reportable percentage for each monthly income payment and the final lump sum based on a 3% guaranteed minimum interest rate and the illustrated face amount. Upon the insured s death, the actual taxable portion of each monthly payment will be calculated and communicated to the beneficiary(ies) based on the actual payout amounts. The taxable portion of the final lump sum payment will be determined when the payment is made. 1 Accelerated Death Benefits will be available when the Insured has been diagnosed with a Qualifying Event, as described in the rider, while the policy and the rider are in force. Benefits advanced under this rider may be subject to taxation. Limitations and Exclusions apply. Refer to the Rider for complete details. 2 Lifetime coverage is guaranteed if premiums are paid as scheduled (provided there are no refunds, partial surrenders, loans, or requested changes to the policy). 3 Funding requirement must be met. 4 After the no lapse period or if the cumulative Minimum Monthly No Lapse Premium requirements are not met, then fluctuations in interest rates and/or policy charges may require the payment of additional premiums to keep the policy in force. Guarantees are based on the claims paying ability of the company. 5 It is possible that additional payments will be required to keep a policy in force while the monthly deductions are being waived. For example, loan interest accruing on an outstanding loan may require additional payments. 6 It is possible that additional payments will be required to keep a policy in force while the Disability Waiver of Premium Benefit is being paid. For example, an increase in monthly deductions or decrease in Policy Value may require additional payments. This brochure is intended only to highlight the products, it is not intended to be a full description of the policies. Product specifications may vary, and these products and/or features may not be available in all jurisdictions. Life insurance policies are issued by Transamerica Life Insurance Company, Cedar Rapids, IA or Transamerica Financial Life Insurance Company, Harrison, NY. Transamerica Financial Life Insurance Company is authorized to conduct business in New York. Transamerica Life Insurance Company are authorized to conduct business in all other states. This material is being provided for informational purposes only. It should not be viewed as an investment recommendation by Transamerica for customers or prospective customers. Customers seeking advice regarding their particular investment needs should contact a financial professional. Index universal life insurance is not a security and index universal life insurance policies are not an investment in the stock market or in the indexes. Index Account Interest is based, in part, on index performance. Past performance of an index is not an indication of future index performance. There is no guarantee that any Excess Index Interest will be credited above the guaranteed minimum interest rate for the Index Account(s). Additionally, there is no guarantee that the Company will declare an interest rate greater than the guaranteed minimum interest rate for the Basic Interest Account. For Agent Use Only. Not for Distribution to the Public _LICRBAGPP