Transamerica

Sales Ideas / Concepts

For Producer Use Only. Not for public distribution.

Advanced Premium Payments

• Pay up your Term policy – save money!!• Great for grandparents with grandkids• Higher end Market place• Can also pay certain number of years first, then

pay annual thereafter• Works on ALL term products – including the

Trendsetter Super with ROP – get more money back then you pay in

Advance Premium Payments

Trendsetter LB Rate Guide

Years Single Sum Factor

Years Single Sum Factor

1 1.00000 16 12.93794

2 1.97087 17 13.56110

3 2.91347 18 14.16612

4 3.82861 19 14.75351

5 4.71710 20 15.32380

6 5.57971 21 15.87747

7 6.41719 22 16.41502

8 7.23028 23 16.93692

9 8.01969 24 17.44361

10 8.78611 25 17.93554

11 9.53020 26 18.41315

12 10.25262 27 18.87684

13 10.95400 28 19.32703

14 11.63496 29 19.76411

15 12.29607 30 20.18845

Advanced Premium PaymentsMale, Age 40, $500, 000 Face Amount, Std Plus N/S

Annual Premium

Cumulative Premiums

Single Advance Premium Savings % Savings

Trendsetter LB 20 $715 $14,300 $10,957 $3,343 23%Trendsetter LB 25 $995 $24,875 $17,846 $7,029 28%Trendsetter LB 30 $1,155 $34,650 $23,318 $11,332 33%

Male, Age 50, $500, 000 Face Amount, Std Plus N/SAnnual

PremiumCumulative Premiums

Single Advance Premium Savings % Savings

Trendsetter LB 20 $1,665 $33,300 $25,514 $7,786 23%Trendsetter LB 25 $2,210 $55,250 $39,638 $15,612 28%Trendsetter LB 30 $2,775 $83,250 $56,023 $27,227 33%

Female, Age 18-25, $250,000 Face Amount, Preferred N/SAnnual

PremiumCumulative Premiums

Single Advance Premium Savings % Savings

Trendsetter LB 30 $247.50 $7,425 $4,996 $2,429 33%

Living! Living Too Long?Tax Free Retirement

Male: Age 39, Preferred NT

PREMIUM: $6,000 / YearFACE @ ISSUE: $173,369FACE @ AGE 65: $571,314INCOME BEGINNING AT 65: $62,268Terminal ABR @ 65: $484,386Chronic ABR @ 65: $8,041 / Month Critical ABR @ 65: $456,196

BUT IF I NEED TO USE MY BENEFITS,

DOESN’T THAT AFFECT THE

POLICY?

Is this better for your client?

Male: Age 39, Preferred NT

PREMIUM (IUL): $5,400 / YearPREMIUM ( 30 YR LB TERM): $600 / YearPREMIUM (Total): $6,000 / Year (SAME)TOTAL FACE @ ISSUE: $155,815 + $367,700 = $523,515 FACE @ AGE 65: $513,430 + $367,700 = $881,130 INCOME BEGINNING AT 65: $55,947 ONLY A $6,000 Difference!Terminal ABR @ 65: $435,286 + $346,394 = $781,680Chronic ABR @ 65: $7,226 / Month + $66,810 Annual Critical ABR @ 65: $409,952 + $253,960 = $663,912

Combo Sale – IUL & Trendsetter LB

For Producer use only. Not for public distribution

How many small business do you drive

by every day?

For Producer use only. Not for public distribution

LIMRA sees opportunity among small businesses

LifeHealthPro, June 12, 2013 

53 percent of these business don't offer benefits and that two-thirds of them have not been approached by a broker or agent within the last 12 months.

More than 4 in 10 of these businesses have considered offering benefits AND

Nearly half agreed to meet with a producer once they were contacted.

98 percent of employers in the U.S. have fewer than 100 employees,

35 percent of the U.S. workforce representing about 40 million workers

For Producer use only. Not for public distribution

Overcoming Objections…1. Too Expensive

• If you cannot afford to set aside $25 per week now – how would your family afford to live without your paycheck if you were gone?

• If you had a money making machine in your garage – would you insure it?

2. Not Now / Check Back• Who should I ask for if you are no longer here?• Let me ask you – do you have home owner’s insurance, car insurance, health insurance? They

protect against the “what if’s”. What if you get critically, chronically or terminally ill or die? God doesn’t put a note on your pillow letting you know when this is going to happen in 6 months.

3. I Have Enough• You know $___________ of life insurance is quite a bit –

….IF you don’t plan to be gone very long• So, if you won a $___________ lottery –

….Would you quit your job(s)?

4. God will take care of me• ……How do you know God didn’t send me?

Old Insurance or the New Insurance?

Flyers you can personalize with your contact information to Educate on the “old” & the “new”

Do you still have a TV taking up your whole living room?

Dust off the old and do more with the new!

Contact us today to change the picture & tune into your Life Event Needs, secure your Tomorrow…

Think about your What If…Think about your Tomorrow…Think Transamerica to Protect your Tomorrow from your What If!

Income Protection Option (IPO)

Death Benefit

What would…

• your family do without your income?• your family do with a sudden influx of money

• IPO – no cost option– Reduce stress – provides a pre-planned income to

make lives more manageable– Allows you to choose how/whom to leave a legacy

Determining the Need

40 Yr Male, NS, Standard Plus, Trendsetter LB – 20 year

3 easy questions

1. Immediate – cover mortgage, credit card, final expense?2. Monthly Expenses – how much / how long?3. Final lump sum – help with retirement, college tuition?

For Producer use only. Not for public distribution

Income Protection Option (IPO)40 Yr Male, NS, Standard Plus, Trendsetter LB – 20 year

Initial Lump Sum$10,000 Minimum

• $100,000

Monthly Income Stream5 – 25 years / $100 minimum

• $3,000/mo x 15 years = $540,000

Final Lump Sum$10,000 Minimum

• $50,000

Without using the IPO: 20-year – Face Amount $690,000 = $138.47 Monthly

With IPO 20-year - Face Amount $568,811 = $114.61 Monthly

Total $avings $23.86 a month

Total need of $690,000

FN38205-05/12 For agent training only

FN38205-05/12 For agent training only

For Producer use only. Not for public distribution

E Application

Transamerica Trendsetter Term (not available for LB in CT, HI, KS, MA, NH, VA and VT)

  • Send email to client requesting e-signature (Click

Wrap)

• Apply e-Signature using an iPad

• Apply e-Signature using a signature pad on a PC or laptop (you must first download the drivers)

• The signature pad brand that is used is Topaz Models

• T-S460-HSB-R• T-S460-HSB• T-L460-HSB-R • T-L462-HSB • T-LBK460-HSB-R

For Producer use only. Not for public distribution

TransAce® 2013

For agent use only. Not for public distribution.

• Guaranteed Universal Life – To Age 121• Issue Ages (Age Nearest) 16 – 89• Face Amount: $25,000 – and up• Fully Underwritten

• “Sweet spot”• Face Amounts above $100,000• Multi-Flex Surrender Enhancement Endorsement• Real-Time Pricing – Lock in the Client’s Rate• Long Term Care Rider

Key Highlights…

Optional Benefits & Riders…

Accident Indemnity Rider Waiver of Premium Rider Children’s Insurance Rider Long Term Care Rider

Income Protection Option (IPO)

Additional definitions and details can be found within the TransAce product guide. Subject to state availability.

Offices are closed at 2:00 p.m. Central on Tuesday, December 24th and December 31st. Closed Christmas and New Year’s Day.

Important TLIC and WRL Year-End and Commission Closing Dates Monday, December 23, 2013: all premium and final delivery requirements received in good order on or before this date by close of business will ensure placement for year end.

Friday, December 27, 2013: all new business must be paid by this date to count for 2013 production.

Important Alliance Group 12/31/2013 Year-End Closing DatesFriday, December 27, 2013: all premium and final delivery requirements received in good order on or before this date by close of business will ensure placement for year end.Tuesday, December 31, 2013: all new business must be paid by this date to count for 2013 production. December 30 and 31, 2013: new business and delivery requirements will continue to be processed,   but are not guaranteed to be placed prior for year end. Reminder  - due to system differences, it takes up  to 3 business days for TLIC business to hit for production and commissions.

Thank you

Happy Holidays to you and your families!