A quick overview of the life and health insurance products available from Transamerica.

3. Transamerica Employee Benefits has risen to the challenge of today’s
demanding employee benefits marketplace. Our comprehensive
portfolio of voluntary and employer-paid group benefits, offered
through our underwriting companies, gives you the range and
quality of life and health products you need to provide exceptional
products and services for employers, employees and their families.
FOR MORE INFORMATION GO TO
WWW.TRANSAMERICAEMPLOYEEBENEFITS.COM
This is a summary of featured products. Limitations and exclusions apply.
Refer to the policy, certificates and riders for complete information.
For agent use only.

4. LIFE PRODUCTS
Universal Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
Interest Sensitive Whole Life . . . . . . . . . . . . . . . . . . . . . . 2
Voluntary Group Term Life . . . . . . . . . . . . . . . . . . . . . . . . 3
Employer Paid-Basic Term Life . . . . . . . . . . . . . . . . . . . . 4
PACKAGE PRODUCTS
myPack . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
HealthPak . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
HEALTH PRODUCTS
Critical Illness . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Cancer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Accident . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Short-Term Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Hospital Indemnity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Out-of-Pocket Medical Expense Indemnity . . . . . . . . . . 13
Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Stop Loss . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
SERVICES
Legal Access Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Life Lock . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
TransApp . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Guaranteed or conditional guaranteed issue underwriting available
Individual or group coverage available
Spouse or dependent coverage available
Coverage is fully portable
Wellness rider available

5. LIFE HEALTH
Universal Life
Trans LegacySM
A voluntary group universal life product.
• Guaranteed issue available down to 5 employee applicants,
• Current credited interest rate 5.25%, 4% guaranteed
• Choice of employee-only or employee and dependent coverage
• Guaranteed issue available on spouse, children and grandchildren
• Fully portable
Riders Available
• Automatic Face Amount Increase Rider
• Accidental Death and Dismemberment Rider
• Waiver of Monthly Deductions due to Layoff Rider
• Waiver of Monthly Deductions for Total Disability Rider
• 10 or 20 year Level Term Benefit Insurance Riders
• Accelerated Death Benefit for Critical Care Condition with 25, 50, 75
and 100% options
• Accelerated Death Benefit for Long Term Care Rider with Extension of
Benefits Rider (with paid-up life benefit)
• Accelerated Death Benefit for Terminal Illness Rider
• Waiver of Premium Rider
• Child Level Term Insurance Rider
Policy Form Series CPGLDU00 and CCGLDU00.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
For agent use only. 1

6. LIFE HEALTH
Interest Sensitive Whole Life
Trans$ureSM
A voluntary group whole life product.
• Guaranteed issue available down to 5 employee applicants
• Guaranteed premiums
• Guaranteed death benefits
• Guaranteed cash values
• Guaranteed issue available on spouse, children and grandchildren
• Fully portable
• Guaranteed paid-up policy available
Riders Available
• Accidental Death and Dismemberment Rider
• Accelerated Death Benefit for Critical Care Condition with 25, 50, 75
and 100% options
• Accelerated Death Benefit for Long Term Care Rider with Extension of
Benefits Rider (with paid-up life benefit)
• Accelerated Death Benefit for Terminal Illness Rider
• Waiver of Premium due to Layoff Rider
• Waiver of Premium Benefit Rider
Policy Form Series CPWL0100 and CCWL0100.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
2

7. LIFE HEALTH
Voluntary Group Term Life
Trans SelectSM 5, 10, 20
A voluntary group term life product that traditionally allows an
employee to purchase higher face amounts of coverage at lower
premium rates than universal or whole life insurance.
• Guaranteed issue available down to 10 employee applicants,
conditional guaranteed issue available down to 5 employee
applicants, and simplified issue available down to 2 employee
applicants
• Guaranteed issue available on spouse and children
• Coverage is portable or convertable (state specific)
Riders included
• Terminal Illness Accelerated Death Benefit Rider
• Waiver of Premium for Lay off or Strike
Optional Riders
• Child Term Rider
• Accelerated Death Benefit for Long Term Care
• Accelerated Death Benefit for Long Term Care Extension of Benefits
• Accelerated Death Benefit for Critical Care Condition of up to 25%,
50%, 75% and 100% of the life insurance Death Benefit amount
• Accidental Death and Dismemberment Rider
• Waiver of Premium Rider for Disability
Policy form series CP100200.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
For agent use only. 3

8. LIFE HEALTH
Employer-Paid Basic Group Term Life INSURANCE
with Voluntary “Buy-Up” Option
Basic Group Term Life
• Guaranteed Issue up to $100,000 with 10 or more employee
applicants
• No employee applications necessary
• Supplemental Life Buy-Up option, up to five times salary
• Conversion Option
• Fully portable
Riders Included
• Accelerated Death Benefit for Terminal Illness Rider
• Waiver of Premium Benefit Rider
Employer-Level Optional Riders
• Accidental Death & Dismemberment Rider (AD&D)
• Accelerated Death Benefit for Critical Illness
Policy form series CPBTL100.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
4

9. LIFE HEALTH
Package Products
myPackSM
A group term life Insurance with accelerated death benefit rider for
critical care condition with group off-the-job accident insurance and
off-the-job accident disability benefit rider and sickness disability
benefit rider.
• TAC$-Advantage with Critical Illness Benefit and TransAccident
with Accident and Sickness Disability Income Rider coverage is
Guaranteed Issue
• TAC$-Advantage with Critical Illness Benefit Buy-Up Option is
Conditional Guaranteed Issue
• Groups of 50 eligible or less, minimum participation is 5 employee
applications for guaranteed issue
• Required participation for groups of 50 to 499 employees is the
greater of 10% or 10 applications (per group)
• Spouse and dependent coverage is available
Policy form series CP200500, CC200500, CR201000, CR201100, CP100200, CC100400 and CR101700.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
For agent use only. 5

10. LIFE HEALTH
Package Products
HealthPakSM
The trend in major medical renewals has been to offer higher
deductible co-insurance and co-pay options as well as increase
employee premiums. This trend of increased employee out-of-
pocket costs and increased premiums does nothing to improve
benefits and makes it more difficult for employees to afford a claim.
The HealthPak solution allows companies to lower overall group
medical premiums and help their employees to lessen their out-of-
pocket claims costs.
• Available to groups with a major medical plan
• Guaranteed issue with no pre-ex down to 2 employee applicants with
50% participation of those covered by the employer’s major medical
plan
• Include critical illness, cancer and accident benefits
• Place TransConnect to cover the out of pocket costs of deductibles,
co-insurance and co-payments for Inpatient Hospital Benefits,
Outpatient Benefits (50% of Inpatient Benefit), emergency room
for accidents, radiological diagnostic testing and Accident-Only
Ambulance Benefit
• TransConnect does not cover:
Inpatient Anything related to mental health, drug or alcohol
treatments or hospitalization.
Outpatient Lab or X-Rays in a doctor’s office, emergency room
for illness, sleep apnea or studies, physical therapy, chemo/radiation
therapy, observation or medical equipment.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
6

11. LIFE HEALTH
Critical Illness
CriticalAssistanceSM Advance
Critical illness insurance pays a lump sum benefit upon a positive
diagnosis of a first ever occurrence of a covered critical illness.
• Guaranteed issue available down to 5 employee applications
• No pre-existing condition limitation
• No waiting period
• Recurrence benefit
• Competitive premiums
• Composite rates available for employer-paid plans
• Fully portable
Employers may offer up to two plan designs. Optional Benefit Riders
are employer-elected.
Categories
• 1: Covers heart attack, stroke, heart transplant surgery, coronary
bypass surgery, and angioplasty/stent.
• 2: Covers major organ transplants (excluding heart), end-stage renal
failure, paralysis not due to stroke (all four limbs), and burns.
• 3: Covers invasive cancer, carcinoma in situ, prostate cancer with
TNM classification of T1, skin cancer and cancer screening benefit.
• 4: Covers an initial positive diagnosis of HIV that is contracted during
the course of employment (available to the health care industry only).
Optional Riders
• Recurrent Critical Illness Rider • Wellness Testing
• Carcinoma In Situ • Intensive Care Rider
• Skin Cancer • Burns, Coma, Paralysis,
Alzheimer’s Disease
Policy form series CPCI0400.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
For agent use only. 7

12. LIFE HEALTH
Cancer
CancerSelect® Plus
Provide benefits to help defer the direct medical and indirect
non-medical costs of cancer.
• Guaranteed Issue Availability Down to 5 employee applications
• No Waiting Period
• Competitive Premiums
• Fully portable
Employers may offer up to two plan designs.
Base Coverage
A unit value for each of the five core modules is selected by an
employer.
• Hospital Benefits
• Surgery Benefits
• Radiation and Chemotherapy Benefits
• Wellness and Miscellaneous Benefits
• Cancer Maintenance Therapy Benefits
Optional Riders*
• First Occurrence Rider
• Specified Disease Rider
• Intensive Care Rider
Policy form series CPCAN200.
* Not all riders available in all states
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
8

13. LIFE HEALTH
Accident
AccidentAdvanceSM
A group accident insurance policy that provides benefits for
necessary treatment due to accident.
• Guaranteed issue on all case sizes (except sickness disability riders)
• Coverage available for employee only or employee and dependents.
• Fully portable
• Available to qualified associations
Base Coverage
• Accident Emergency Treatment
• Follow-Up Visit and Physical Therapy
• Initial Accident Hospitalization
Optional Riders
• Accidental Death and Dismemberment Rider
• Accident Only Disability Income Rider
• Accident Hospital and ICU Income Rider
• Sickness Only Disability Income Rider
• Expanded Benefits Rider
• Spouse Off-The-Job Accident Only Disability Income Rider
• Wellness Benefit Rider
Policy form series CPACC100 or CCACC100.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
For agent use only. 9

14. LIFE HEALTH
Disability Income
TransDI® Plus
A voluntary group short term disability product.
• Guaranteed issue available down to 5 employee applications
• 3, 6, 12 and 24 month benefit periods
• 0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 and 180/180 elimination
periods
Riders and Optional Benefits Available
• Survivor Benefit Rider
• Accidental Death and Dismemberment Rider
• Hospital Indemnity Rider
• Partial Disability Benefit
Policy form series CPDI0100.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
10

15. LIFE HEALTH
Hospital Indemnity
TransChoice® Plus
Provides basic health insurance benefits to employees, full- or
part-time, and those not eligible for major medical and temporary
coverage for new employees and association members.
• Guarantee Issue
• 5 employee applications
• No participation requirement
Base Coverage
• Daily In-Hospital Indemnity Benefit
• Group Term Life Insurance with Accidental Death & Dismemberment
Optional Benefits Available
• Outpatient Physician Office Visit Indemnity Benefit
• Outpatient Diagnostic X-Ray and Laboratory Indemnity Benefit
• Surgical and Anesthesia Indemnity Benefit
• In-Hospital and Surgical Additional Indemnity Benefit
• Off-the-Job Accidental Injury Benefit
• Prescription Drug Indemnity Benefit
• Wellness Indemnity Benefit
• Critical Illness Indemnity and Subsequent Critical Illness Indemnity
Benefits
• Emergency Room Sickness Benefit
• Intensive Care Indemnity Rider
• Daily Inpatient Drug and Alcohol Indemnity Benefit
For agent use only. 11

16. LIFE HEALTH
• Daily Inpatient Mental and Nervous Indemnity Benefit
• Ambulance Indemnity Benefit
• Daily Skilled Nursing Benefit Rider
Non-Insurance Discount Programs
• Employee Discount Card (offered by New Benefits, Ltd.)
• PPO Network (offered by TPA)
• Debit card for Prescription Drug Indemnity Benefit
Additional Coverages that may be sold in conjunction
with TransChoice Plus
• Short-Term Disability Income Insurance — $400, $600, $800 monthly
benefit, not to exceed 60% of base salary, for a 3 or 6 month benefit
period; 7/7 or 14/14 elimination period
• Dental
Policy form series CPCH0200.
Administration provided by Key Benefit Administrators, Fort Mill, S.C.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
12

17. LIFE HEALTH
Out-of-Pocket Medical Expense Indemnity
TransConnect®
Designed to pay an indemnity benefit for employee out-of-pocket
expenses of deductibles, co-insurance and co-payments from
serious illnesses not paid by an insured group’s comprehensive
medical plan.
• Guaranteed issue with no pre-exisiting condition limitation available
down to 2 employee applicants
Benefits include:
• In-Hospital Benefit: $500 - $10,000
• Outpatient Hospital Benefit: $250 - $5,000
• Ambulance: $350
• Routine Well Baby Care covered
For benefits to be payable, an insured person must be covered by
a basic, major medical or comprehensive plan at the time charges
are incurred and the other medical plan must provide benefits for
the covered charges.
Available to all eligible applicants, regardless of age. Applicants
will enjoy Guaranteed Issue underwriting with no pre-existing
conditions on qualified groups.
Policy form series CP201200.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
For agent use only. 13

18. LIFE HEALTH
Dental
TransSmile®
A vouluntary group dental product.
• Flexibility in co-insurance, annual maximum allowance, deductibles
and waiting periods
• Dependent coverage available
• Maximum Roll Forward Benefit
• In- and Out-of-Network Options
• Optional Orthodontics Benefits Rider Available
• Diagnostic and Preventative Benefits
• Basic Restorative Benefits
• Major Restorative Benefits
Employers may offer up to two plan design with the following
options:
• Co-insurance 0-100% of available maximum allowance
(5% increments)
• Available Maximum Allowance $500, $750, $1,000, $1,250,
$1,500, $2,000, $2,500
• Waiting Period 0, 3, 6, 12, 18 or 24 months
• Annual Deductible $0, $25, $50, $75, $100, $150, $200
or choose a $100 lifetime deductible
• Number of Deductibles No Limit, Maximum 2 per family
or Maximum 3 per family
Policy form series CPDEN100 and CCDEN100.
Administration provided by Omega Administrators, Inc., Sherwood, Ark.
Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
14

19. LIFE HEALTH
Vision
SightSelect®
A vouluntary group vision care product.
• Annual eye exam
• Frame and lenses, or contact lenses—including four boxes of
disposables—if required
• Dual-choice frame benefit allows participants to choose a frame at
the provider’s location, or apply the frame allowance to any frame on
the market
• Savings on PRK and LASIK laser eye surgery
Employers can choose between two plans offering different co-
payments and frequencies of service
Spectera’s diverse network offers both private practice as well as
leading retail chain providers with evening and weekend hours.
Policy form series UHIC VisPol (04/02).
Spectera, Inc. administers vision benefits underwritten by the following entities: United HealthCare Insurance
Company, United HealthCare Insurance Company of New York and Unimerica Insurance Company, Inc.
For agent use only. 15

20. LIFE HEALTH
STOP LOSS
Stop Loss
An insurance product designed to help protect employers with
self-funded healthplans that could face higher than expected risk
from group medical cost.
STOP LOss Coverage
• Two Types of Coverage (for both medical and perscription drug costs)
• Specific Stop Loss
• Aggregate Stop Loss
• Minimum group size of 50 lives or more
• Reliable, consistent and flexible underwriting
• Direct contact with underwriting partners
Underwritten by Transamerica Life Insurance Company
Western Reserve Life Insurance Co. & Monumental Life Insurance Company
16

21. LIFE HEALTH
Legal
Family Legal Protection Plan
This is a voluntary legal expense program it is not an insurance
policy.
Members Receive:
• Free consultations: unlimited 1/2 hour consultations with plan
attorneys each year via phone, office or online
• Document reviews Up to three simple documents (six pages or
less) reviewed by a plan attorney each plan year
• Wills A Simple Will or Living Will prepared or updated by a Plan
Attorney each plan year
• Dispute resolution Dispute resolution letters or phone calls made
by a plan attorney for up to three matters per year
• Flat fee services for bankruptcy, divorce, child/spousal support, traffic
tickets and many others
• Special plan discount of 25% on plan attorneys’ hourly rates
• Discounted contingency fees
24/7 Access to Web Resources on Legal Matters such as:
• Complete Online Member Legal Research
• Lawsuit/Litigation Procedural Guide
• Property Damage Disputes
“Better Benefits” Package (included at no cost)
• Identity Theft Protection
• Financial Counseling and Planning Benefits
• $14 Per Month Covers the Entire Family
Marketed by Transamerica Employee Benefits
For agent use only. 17

22. LIFE HEALTH
LIFELOCK
LifeLock
An identity Theft Protection Program with 3 levels of coverage.
LifeLock Identify Theft Protection
• Identity Threat Detection and Alerts
• Lost Wallet Protection
• Address Change Verification
• Advanced Internet Monitoring
• Reduced Pre-Approved Credit Offers
• $1 Million Total Service Guarantee*
• 24/7/365 Member Service– Live & Domestic
• Child Identity Theft Protection
LifeLock Command Center - adds additional services
• Public Database Monitoring
• Payday Loan Records
• Public Records
• Court and Criminal Records
• Alias Records
• Sex Offender Registries
• Data Breach Detection
Lifelock ultimate- adds additional services
• Checking and Savings Account Alerts
• Credit Alerts
• Annual Credit Reports and Monthly Score
• 24/7 Priority status
Marketed by Transamerica Employee Benefits
18

23. LIFE HEALTH
Electronic Enrollment Technology
TransApp
Our web-based enrollment system’s user-friendly functionality
saves time so you can focus on what you
do best!
TransApp advantages include:
• Jet policy issue and delivery
• Payroll deductions and initial billing statement consistency
• Simplified enrollment management with broker-, enroller-
and employer-level reporting
• Accurate enrollment data virtually eliminates post enrollment
“clean up”
• This system is available to you at no cost!
• Enrollments can be taken both via a remote laptop or self
service and/or call center platforms.
Additional Enrollment Systems
Other electronic enrollment system, generating both paper and
electronic applications, are accepted if approved for use. Contact
your agent for more information.
Marketed by Transamerica Employee Benefits
For agent use only. 19

24. Financial Ratings
Our underwriting company Transamerica Life Insurance Company, has received
consistently high ratings from the primary rating agencies and is a members of
the AEGON Group, one the world’s leading insurance organizations.
Transamerica Life Insurance Company’s commitment to the highest standards of
conduct is fully demonstrated by qualification for membership in the Insurance
Marketplace Standards Association, which promotes ethical market conduct for
companies offering life insurance.
A.M. Best A+ (Superior)
As of June 2010, the second highest out of 16 ratings. This rating is based on A.M. Best’s
measurement of the insurance company’s current financial strength, operating performance,
and the ability to meet policyholder obligations.
Fitch AA- (Very Strong)
As of June 2010, the third highest of 24 ratings. This rating is based on Fitch’s view of the
insurance company’s very strong capacity to meet policyholder and contract obligations. “+”
is appended to a rating to indicate the relative position of a credit within the rating category.
Moody’s A1 (Good)
As of June 2010. The “Aa3” rating of Moody’s is the fifth highest of 21 ratings. Ratings are
based on the opinions of the ability of an insurance company to repay punctually senior
policyholder claims and obligations. The numeric modifier refers to the ranking within the
group – one being the highest and three being the lowest.
Standard & Poor’s AA- (Very Strong)
As of June 2010, the fourth highest of 21 ratings. Standard & Poor’s rating is based on the
insurer having “very strong” financial security characteristics.
CRC01A-0612 For agent use only.