Friday, March 12, 2010

Company/Policy Information

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Transamerica Financial Life Insurance Company

Purchase, NY 10577

Transamerica Financial Life Insurance Company is a member of the AEGON Insurance Group, one of the leading life insurance and financial services organizations in the world. Domiciled in Purchase, NY, Transamerica Financial Life offers a wide array of term life, universal life, and variable universal life insurance products in the state of New York.

Transamerica Financial Life Insurance Company is rated:

A+	Superior by A.M. Best Company, 2nd highest of 16 ratings for financial strength (as of 12/31/2006)
AA	Very Good by Standard & Poor's, 3rd highest of 21 ratings for financial strength (as of 12/31/2006)
AA+	Very Strong by Fitch, 2nd highest of 22 ratings for claims paying ability (as of 12/31/2006)
Aa3	Excellent by Moody's, 4th highest of 21 ratings for financial strength (as of 12/31/2006)
These ratings are opinions of the rating agencies and are not warranties of the company’s ability to perform its financial obligations.

Policy Description Trendsetter

Trendsetter Super 10, 15, 20 and 30 are level death benefit term life insurance policies guaranteed renewable to the insured’s age 80 and premiums are guaranteed level for the first 10, 15, 20 and 30 years, respectively. Premiums increase annually until annually until age 80 once the original level premium period ends. (Trendsetter Super Series Policy Form No. #3-322 38-105, #3-306 38-206, #3-305 38-206, #3-304 38-206 and #3-334 38-106)

Conversion Feature

The policy is convertible to the earlier of the insured's age 70 (age 75 for Preferred Plus class) or the end of the initial level premium period, except for the Super 10 where it’s the later of: earlier of the insured's age 70 (age 75 for Preferred Plus class) or the end of the initial level premium period OR twelve months after the policy issue date. This option allows the policyowner to change his or her Trendsetter policy to a designated universal life insurance plan that is made available by Transamerica Financial Life Insurance Company at the time of the exchange. No underwriting will be required if the exchange is to a permanent policy with the same, or lower, face amount.

Available Options

Spousal Discount
Not Available

Children's Insurance Option (Additional Cost)
Coverage expires on the child's 25th birthday or until the base policy insured turns 65, whichever comes first. A covered child must be 18 or younger at issue and can obtain 1-20 units of coverage. Each unit provides $1,000 coverage on each eligible child regardless of the number of children covered.

Accelerated Death Benefit
Availability Varies By State

Waiver of Premium Option (Additional Cost)
Issue ages 18-55

Accidental Death Benefit Option (Additional Cost)
Issue ages 18-65. The maximum accidental death benefit is the face amount of the base policy up to a limit of $300,000.

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