Life Products Bulleti Tredsetter Super Series Tredsetter Super Series: 2009 Chages Effective September 1, 2009, Trasamerica Life Isurace Compay is releasig ew rates for Tredsetter Super Series level premium term products (Tredsetter Super YRT ad Tredsetter ROP 30 will ot be chagig). What s New Date: August 26, 2009 Bulleti No. 09-02 New rates for level term products (the rates are geerally the same or slightly higher) New lower modal factors for direct billig optios (direct billig uses PAC factors) Miimum face amout for Preferred Plus lowered to $100,000 o the level premium products (miimum face amout for all risk classes for level-premium products is ow $100,000. Tredsetter Super YRT is still $250,000) Trasitio Rules Applicatios dated ad received i Cedar Rapids by September 30 may be issued the old rates upo request. Market Stregths Exteded issue ages Bad breaks o multiple policies Policy fees waived o multiple policies Four rate bads o level term products: $100,000; $250,000; $500,000; ad $1,000,000 Two bads o YRT: $100,000 ad $1,000,000 Commissios paid o all policy fees Oe or more desigated uiversal life policies will be available for coversio Icome Protectio Optio All term products are o-illustratable Available Programs TOP 25 Express Uderwritig Miimum face amout for Preferred Plus o Tredsetter Super YRT is still $250,000 Issue Ages Product Issue Ages (Age Nearest) Issue Ages Washigto Oly TS-YRT 18 to 80 18 to 80 TS-10 18 to 80 18 to 70 TS-15 18 to 78 (osmokers); 18 to 73 (smokers) 18 to 65 (osmokers ad smokers) TS-20 18 to 70 (osmokers); 18 to 65 (smokers) 18 to 60 (osmokers ad smokers) TS-25 18 to 65 (osmokers); 18 to 60 (smokers) 18 to 55 (osmokers ad smokers) TS-30 18 to 58 (osmokers); 18 to 53 (smokers) 18 to 50 (osmokers ad smokers)
Tredsetter Super Series Bad Break for Multiple Policies We will give a rate bad break (lower rate) ad waive the policy fees (o secodary policies) i the followig situatio: 1. Same isured is applyig for two or more policies. 2. The policies will be uderwritte simultaeously (same evidece of isurability). 3. The total face amout of the policies is high eough to place them i a higher (better rate) bad tha if they were a sigle policy. 4. Policy fees will be waived o the shorter (secodary) duratio policy. All term products, icludig ROP 30, are eligible for bad breaks. Waiver of Policy Fee o Multiple Policies We will waive the policy fees (o secodary policies) i the followig situatio: 1. Same isured is applyig for two or more policies. 2. The policies will be uderwritte simultaeously (same evidece of isurability). 3. Policy fees will be waived o the shorter (secodary) duratio policy. All term products, except for ROP 30, are eligible for the policy fee waiver. How to Apply for Bad Breaks or Policy Fee Waiver Oe applicatio may be used to apply for multiple policies, as log as each policy has the same ower ad the same beeficiary. If the policies will have differet owers or differet beeficiaries, the separate applicatios will eed to be used. Whe submittig applicatio(s) for a bad break or policy fee waiver, please use the attached form Term Life: Multi-Policy Discout Cover Sheet. Also, please idicate that multiple policies are beig applied for i the Remarks sectio of the applicatio(s). Coversios Coversios are available to the earlier of the ed of the level premium period or isured s 70th birthday (75th birthday for preferred plus) Coversios are available to a desigated uiversal life isurace policy that is made available by Trasamerica Life Isurace Compay at the time of the exchage Marketig Support The Tredsetter Super Series term portfolio product guide is beig reprited to iclude the ew rates ad is curretly available o TrasACT ad orderable o Merrill. Quote support is available o the latest versio of the Life Products illustratio software 14.70 available o September 1, 2009. Cotacts For more iformatio, please cotact the Trasamerica Marketig Ceter at (866) 545-9058. OL 2714 0809 For producer use oly. Not for distributio to the public.
TERM LIFE: MULTI-POLICY DISCOUNT COVER SHEET PLEASE IMAGE AS TOP DOCUMENT IN ELECTRONIC SUBMISSION Case Coordiator: Agecy: GA#: Cliet Name: Fast Started Policy # This form should be used to otify ew busiess of ay applicable multi-policy discouts. Please select the applicable discout(s) applied for: Note: Waiver of Policy Fee o Multiple Policies Rate Bad Break & Waiver of Policy Fee o Multiple Policies 1) To qualify for the multi-policy discout, the followig coditios must be satisfied: a) The same isured is applyig for two or more policies b) Policies must be uderwritte simultaeously, usig the same evidece of isurability. 2) Policy fees will be waived o the shorter (secodary) duratio policy. 3) Oe applicatio may be used to apply for multiple policies, provided the owership ad beeficiary remai the same 4) I additio to the coversheet, please ote additioal policies are beig applied for i the remarks sectio of the applicatio. 5) The policy fee waiver is applicable o all Level Term policies, excludig ROP30. TCS11008T TG-NF
Habit-formig premiums Capture more sales with Tredsetter competitive premiums for smokers. Across the board, Trasamerica Life Isurace Compay s term portfolio cotiues to set the tred i competitively priced, top-rate term coverage. This icludes smokers. Tredsetter Super Series offers attractive premiums eve at older ages with the stregth ad reputatio of Trasamerica. Ad with our express uderwritig, we ca issue policies i as few as six days. Check out our premiums. With umbers like these, you may have a hard time kickig the habit. Male, Preferred Smoker Aual Premiums, $500,000 Death Beefit 10-Year Level Term 20-Year Level Term 30-Year Level Term Age 45 Age 50 Age 55 Geworth $1,435 Trasamerica $2,125 Trasamerica $3,360 Baer $1,450 Geworth $2,170 Geworth $3,375 Licol Natioal $1,455 Baer $2,210 Baer $3,420 Trasamerica $1,485 Prudetial $2,450 Licol Natioal $3,710 America Geeral $1,640 Licol Natioal $2,580 Prudetial $3,765 Prudetial $1,685 America Geeral $2,685 America Geeral $3,985 Reliastar $1,895 Reliastar $2,720 Reliastar $4,000 Age 45 Age 50 Age 55 Trasamerica $2,590 Trasamerica $3,880 Trasamerica $5,955 Prudetial $2,645 Prudetial $3,985 America Geeral $6,375 America Geeral $2,700 America Geeral $4,190 Prudetial $6,380 Baer $2,740 Baer $4,195 Baer $6,460 Geworth $2,830 Reliastar $4,385 Geworth $6,460 Reliastar $2,850 Geworth $4,385 Reliastar $6,470 Licol Natioal $2,870 Licol Natioal $4,695 Licol Natioal $6,515 Age 40 Age 45 Age 50 Trasamerica $2,580 Trasamerica $ 4,410 Trasamerica $6,100 Baer $2,810 Prudetial $4,715 America Geeral $6,455 America Geeral $2,900 Reliastar $4,745 Geworth $6,570 Prudetial $2,925 America Geeral $4,750 Baer $6,575 Reliastar $2,955 Baer $4,755 Geworth $2,975 Licol Natioal $4,780 Licol Natioal $3,330 Geworth $4,900 This compariso is ot a comprehesive aalysis ad does ot accout for possible advatages or disadvatages of the policies compared. Competitors premiums have bee obtaied from publicly available sources ad are believed to be accurate as of August 2009. Tredsetter Super 10 (#1-306 11-107), Tredsetter Super 20 (#1-304 11-107) ad Tredsetter Super 30 (#1-334 11-107) are term life isurace policies issued by Trasamerica Life Isurace Compay, Cedar Rapids, IA 52499. Premiums icrease aually begiig i year 11 for Tredsetter Super 10, i year 21 for Tredsetter Super 20, ad i year 31 for Tredsetter Super 30. Policy forms ad umbers may vary, ad these policies may ot be available i all jurisdictios. Isurace eligibility ad premiums are subject to uderwritig. Premiums quoted are subject to chage without otice. For more iformatio, cotact us today! For producer use oly. Not for distributio to the public. OL 2700 0909
Top Existig Term Coverage with TOP 25 Additioal Guaratees. No Medical Exams.* Durig these volatile times, quickly give cliets peace of mid with the guaratees provided by the Trasamerica Opportuity Program (TOP 25). With TOP 25, qualifyig applicats ca easily layer o 25 years of additioal competitively priced, guarateed, level premium coverage, with accelerated uderwritig ad o medical exams.* TOP 25 Highlights Add up to $1 millio of Tredsetter Super 25 coverage from Trasamerica Life Isurace Compay, without a medical exam* Qualifyig applicats: Issue ages (age earest birthday): 18 to 55 Idividuals who have bee fully uderwritte for a term policy, issued withi the past five years from a list of more tha 50 qualifyig carriers (Policy eed ot be curretly i force) Issued Stadard or better with $100,000 or greater face amout Take advatage of TOP ad Tredsetter Super 25 today. Whe combied with our idustry-leadig issue ages ad competitive positio, TOP 25 ca provide potetial lifetime coverage with guarateed level premiums. Male, Preferred Nosmoker Aual Premiums, $1 Millio Face Amout Age 45 Age 50 Age 55 Trasamerica $2,040 Trasamerica $3,080 Trasamerica $5,430 Protective $2,140 Protective $3,500 AAA $6,330 West Coast Life $2,140 West Coast Life $3,500 America Geeral $6,755 America Geeral $2,245 America Geeral $3,605 Ciciati Life $7,095 AAA $2,250 AAA $3,800 Protective $7,160 Ciciati Life $2,585 Ciciati Life $3,855 West Coast Life $7,160 Male, Stadard Nosmoker Aual Premiums, $1 Millio Face Amout Age 45 Age 50 Age 55 Trasamerica $3,470 Trasamerica $5,110 Trasamerica $8,340 AAA $3,550 America Geeral $6,005 America Geeral $10,105 America Geeral $3,555 Protective $6,140 AAA $10,520 Protective $3,600 West Coast Life $6,140 Ciciati Life $10,735 West Coast Life $3,600 Ciciati Life $6,155 Protective $12,400 Ciciati Life $3,795 AAA $6,240 West Coast Life $12,400 This compariso is ot a comprehesive aalysis ad does ot accout for possible advatages or disadvatages of the policies compared. Competitors premiums have bee obtaied from publicly available sources ad are believed to be accurate as of August 2009. Premiums quoted are subject to chage without otice. For more iformatio, cotact us today: * This is ot a Guarateed Issue program. Qualificatio for coverage depeds o the aswers to health questios set forth i the ew applicatio. Subject to uderwritig approval. Uderwritig icludes Medical Iformatio Bureau (MIB) screeig, omedical, face page of previously issued term policy, ad additioal requiremets which may be imposed based o iformatio from MIB. Program is subject to withdrawal at ay time without otice from the Compay. Tredsetter Super 25 (#1-303 11-107) is a term life isurace policy issued by Trasamerica Life Isurace Compay, Cedar Rapids, IA 52499. Premiums are guarateed level for the first 25 years, the premiums icrease aually startig i year 26. Policy form ad umber may vary, ad this policy may ot be available i all jurisdictios. Isurace eligibility ad premiums are subject to uderwritig. For producer use oly. Not for distributio to the public. OL 2671 0909
Lookig to Lower Your Premiums? If you are i good health ad require life isurace coverage of $100,000 or more, you may qualify for a Tredsetter Super 10 term life isurace policy from Trasamerica Life Isurace Compay with aual premiums guarateed level for 10 years. Sample aual premiums for a male preferred plus osmoker are listed below: (Equivalet premiums for females are eve lower!) Issue Age $250,000 $500,000 $1,000,000 30 $ 130 $ 205 $ 330 40 160 255 410 50 300 530 980 60 770 1,455 2,730 70 2,238 4,265 7,540 75 4,125 8,055 15,190 Premiums are available for other uderwritig classes, ages, face amouts, ad paymet modes. If you would like a quick telephoe quote, please complete the form below ad retur by fax or by prepaid evelope. 1 For immediate service cotact us today: PLEASE PRINT: Mr. Mrs. / Ms. Date of Birth: / / Address: City: State: ZIP: Daytime Phoe: ( ) Eveig phoe: ( ) Y N Have you ever bee diagosed with or treated for high blood pressure, diabetes, heart disorder, elevated cholesterol, or cacer? (circle all those that apply) Y N Ay tobacco or icotie use i the past 5 years? If so, what type? Y N Did either paret die prior to age 65 due to heart disorder or cacer? I would like a quote for the followig 10-year level premium term policy: $100,000 $250,000 $500,000 $1,000,000 $2,000,000 Other $ I am also iterested i: A loger duratio term policy Guarateeig a icome stream for my beeficiary Fixed ad equity idex auities Spouse coverage desired: 2 Amout: $ Date of Birth: / / 1 No quotes are fial util uderwritig is completed. 2 Spousal iformatio required oly if quote for spouse is requested. * Tredsetter Super 10 (1-306 11-107) is a term life isurace policy issued by Trasamerica Life Isurace Compay, Cedar Rapids, IA 52499. Premiums are guarateed level for the first 10 years, ad the premiums icrease aually startig i year 11. Policy form ad umber may vary, ad this policy may ot be available i all jurisdictios. I most states, i the evet of suicide durig the first two policy years, death beefits are limited oly to the retur of premiums paid. I Missouri, suicide is o defese to paymet of beefits uless the Compay ca show that the isured iteded suicide at the time of applicatio for coverage. OL 2624 0909
Sell TERM o the Cliets Terms Tredsetter Reverse-Quote Optio o TrasWare I today s ecoomy, may cliets are watchig expeses ad settig limits o the amout they wat to sped o premiums. With TrasWare s ew reverse-quote optio for the Tredsetter Term portfolio, you ca easily ad quickly solve for a life isurace policy s face amout by simply iputtig a desired premium. Why Reverse-Quote is Relevat For Today s Term Sale: Caters to the budget-coscious cosumer Provides value i curret ecoomic climate Ideal for the middle market Aliged with the paradigm shift toward Easily solves for other optios, if iitial proposal cosumer-cetric sales seems too costly to the cliet Provide Optios Whe Approved Other Tha Applied For This ew time-savig tool is also beeficial whe you have a applicat who does t meet the desired Uderwritig criteria. For example, if a applicat is approved as a Stadard Plus Nosmoker rather tha Preferred Nosmoker, you ca ow easily preset additioal optios that ca meet their budget all with just a few simple clicks i TrasWare. EXAMPLE: Male Aged 45 Applies for $1,000,000 of Super 20 Tredsetter Applies for Preferred Nosmoker risk class Typical Illustratio: Solve for Premium Amout Aual Premium for Preferred NS: $1,450 REVERSE QUOTE OPTION Iput approved STANDARD PLUS risk class Select Solve for Face Amout from drop-dow Iput iitial Preferred Nosmoker premium: $1,450 Ru Illustratio Paramedical reveals cholesterol level of 295 Preferred Nosmoker cholesterol limit = 260 Uderwritig approves Stadard Plus risk class Aual Premium for Stadard Plus: $2,020 EXAMPLE OPTIONS for Stadard Plus: Face Amout Premium $1,000,000 $2,020 $699,500 $1,450 For more iformatio, cotact us today! Resultig Face Amout: $699,500 Tredsetter Super Series (Policy Form No. 1-322 11-107, 1-306 11-107, 1-305 11-107, 1-304 11-107, 1-303 11-107, ad 1-334 11-107) are term life isurace policies issued by Trasamerica Life Isurace Compay, Cedar Rapids, IA 52499. Premiums icrease aually for the YRT policy, ad startig i year 11 for the 10-year policy, i year 16 for the 15-year policy, i year 21 for the 20-year policy, i year 26 for the 25-year policy, ad i year 31 for the 30-year policy. Policy forms ad umbers may vary, ad these policies may ot be available i all jurisdictios. Isurace eligibility ad premiums are subject to uderwritig. OL 2676 0909 For producer use oly. Not for distributio to the public.
Offer Cliets Big Savigs o Term Life with the Advaced Premium agreemet Cliets ca receive substatial savigs o their total term life isurace premium with the Advaced Premium Agreemet from Trasamerica Life Isurace Compay. 1 Male, Age 42, Preferred Nosmoker, $500,000 Face Amout Tredsetter Super 30 Aual Premium: $ 970 30-Year Cumulative Premium: $ 29,100 Sigle Advace Premium: $ 19,583 Savigs (out-of-pocket): $ 9,517 Combie this with our Tredsetter ROP 30 policy, ad cliets ca ejoy upfrot savigs ad a full retur of cumulative aual premiums o their 30th policy aiversary. 2 Tredsetter ROP 30 Aual Premium: $ 1,625 30-Year Cumulative Premium: $ 48,750 Sigle Advace Premium: $ 32,807 Retured Premium: $ 48,750 To lear more about the Advaced Premium Agreemet, Tredsetter Super 30, or Tredsetter ROP 30, please cotact: 1 Iterest credited by Trasamerica to premium paid uder the Advaced Premium Agreemet is taxable ad will be reported aually to the IRS i a Form 1099-INT if i excess of $10. 2 Excludig substadard premiums, rider premiums, outstadig loas, ad ay loa iterest due. Retur of premium ot available if death occurs durig level premium period. Tredsetter Super Series (Policy Form No. 1-306 11-107, 1-305 11-107, 1-304 11-107, 1-303 11-106, 1-344 11-107, ad 1-230 11-106) are term life isurace policies issued by Trasamerica Life Isurace Compay, Cedar Rapids, IA 52499. Premiums icrease aually startig i year 11 for the 10-year policy, i year 16 for the 15-year policy, i year 21 for the 20-year policy, i year 26 for the 25-year policy, ad i year 31 for the 30-year policies. Policy forms ad umbers may vary, ad these policies may ot be available i all jurisdictios. Isurace eligibility ad premiums are subject to uderwritig. OL 2241 0909 For producer use oly. Not for distributio to the public.