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You always want to protect your loved ones from financial hardship in case of

life’s misfortunes.

Instead of life-long life insurance coverage, you may wish to protect your family

from long-term commitment such as the mortgage, your children's education,

or to safeguard the period you are accumulating your wealth.

Also it would be ideal if you will receive some kind of return after paying the

premiums throughout the term of your policy, because you are confident that

you are going to outlive it.

In that case, Trendsetter


ROP 30 may be what you need.

• The policy offers a level premium payment term of 30 years, then premiums

increase annually until age 95.

• The policy builds a cash value and if you outlive that level premium payment

period, you'll get all the policy premiums* you've paid refunded at the end of

the term if the policy is still in force.

With fixed term coverage and certainty of premium refund* if the policy is still in

force, you get the best of both worlds.

What’s more, Trendsetter


ROP30 provides you the flexibility to borrow from

your policy at times of financial need, or change it to a permanent policy if you

should require lifelong protection later.


How Trendsetter


ROP 30 works?

+ Loans which are not repaid by you will reduce the death benefit, policy cash value, and any return of premiums. Loans also accrue interest.

* Includes eligible paid premiums only. Excludes substandard premiums, rider premiums, outstanding loans and any loan interest due. Return of premiums is not available if death occurs during level premium period.

Policy initial


Cash value



Return of




Circumstances change.

If you need lifelong coverage later

on, just convert your Trendsetter


ROP 30 policy to permanent

coverage before the end of the

initial term or before age 70,

whichever is earlier - without the

need for further evidence of


Premiums* will be returned to you

at the end of initial term, assuming

the death benefit has not been

paid and the policy is still in force.

You can continue your coverage

beyond the initial term on an

annual basis to age 95. Premiums

will increse annually but will never

exceed the maximum premium

stated in the policy.

The initial term is 30 years.

You’ll pay a level premium throughout

the initial 30-year term.


Transamerica Life (Bermuda) Ltd. 18 - 50 18 or above Insurer Policy currency Issue age: Life insured Policy owner Policy term


The initial term is 30 years.

If you want to continue your coverage after the 30-year term, the policy is guaranteed renewable up to age 95 provided that you pay the required premiums.


Premium structure


The premiums are guaranteed level for the first 30 years, then premiums increase annually until age 95. Payment mode

Annual, semi-annual, quarterly and monthly

(monthly payment is not available for policies issued through Transamerica Life Bermuda’s Singapore Branch)

Auto-pay is only available for Hong Kong; monthly mode must be paid by auto-pay

Minimum face amount


This is the minimum amount you must apply to effect the TrendsetterSM ROP30 policy. The amount varies

with different areas of residency.

The minimum face amount for Preferred Plus is USD500,000 for all regions. Changes to the face amount are not allowed once the policy is in force.

Minimum face amount Place of residence

Hong Kong

(Hong Kong residents issued in HK only) USD 100,000 Singapore

(Singapore residents issued in SG only) USD 400,000

China USD 1,000,000

India USD 1,000,000

Others USD 500,000



The below riders can be added subject to underwriting: Accident Indemnity Rider

• An additional death benefit if the insured dies as a result and within 90 days of an accidental bodily injury and before age 70 of the insured

• Double this additional amount is payable if the accidental bodily injury occurs while the insured is a fare-paying passenger on a licensed common carrier being operated for passenger services • Maximum issue limit: The lower of policy face amount or USD300,000

• Participation Limits: Total accidental death benefits in force and applied for with all companies cannot exceed USD300,000

• Issue ages: 18 to 50 Waiver of Premium Rider

• Premium payment is waived in the event of total disability provided certain conditions are satisfied and the total disability begins before the policy anniversary nearest to the insured’s 60th birthday

• Maximum issue limit: The lower of policy face amount or USD5,000,000. Rider is not issued for face amount over USD5,000,000

• Issue ages: 18 to 50 Conversion Rider

• Guaranteed exchange of the term policy for whole life protection at the same or lower face amount without further evidence of insurability

• The option must be exercised by the policy owner no later than 30 days after the earlier of the end of the initial level premium period or the insured’s 70th birthday

• The rider must be purchased when the policy is issued • Issue ages: 18 to 50




Accelerated Death Benefit^

• The option may be exercised after the insured has been diagnosed and certified as having 12 months or less to live from the date of the physician statement

• The maximum benefit is USD250,000 per life or 75% of death benefit whichever is less; the minimum payment is USD10,000

Automatic Premium Loans

• Automatic premium loans against the cash value, if any, will be made to settle future premiums subject to certain conditions


100% of premiums* refunded at the end of the 30-year term. Partial refund of premiums* may be applicable for policies surrendered before the end of the 30-year term. The table below illustrates the percentage of premiums* that will be refunded to you if you surrender or terminate your policy within the first 30 years.

Percentage of premiums* refunded End of year 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 % refund 0% 0% 0% 3% 8% 13% 18% 23% 28% 33% 36% 39% 42% 45% 48% End of year 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 % refund 51% 54% 57% 60% 63% 66% 69% 72% 75% 78% 81% 85% 90% 95% 100%

If you surrender or terminate your policy, the policy will no longer be in force and you will not be entitled to any further premium refunds or to claim a death benefit.

^ Availability of this option is subject to all the terms of the policy, including but not limited to contestability, suicide and all other limitations as set

out in the policy.

* Includes eligible paid premiums only. Excludes substandard premiums, rider premiums, outstanding loans and any loan interest due. Return of premiums is not available if death occurs during level premium period.

Please refer to policy contract for specific terms and conditions.


This document describes the key features of TrendsetterSM ROP30 and does not represent a contract.

For exact terms, please refer to your policy contract.



ROP 30 (Policy Form No. 6-630 67-113 in Hong Kong and 6-630 89-113 in Singapore) is a term life

insurance policy issued by Transamerica Life (Bermuda) Ltd. (“Transamerica Life Bermuda”), incorporated in Hamilton,

Bermuda. Premiums increase annually starting in year 31. Policies to which this publication relates are only available

in Hong Kong and Singapore. Insurance eligibility and premiums are subject to underwriting. In the event of suicide

during the first two policy years, death benefits are limited to the return of premiums paid.

This publication is only an overview and is not an offer to sell or a solicitation to buy any of Transamerica Life Bermuda’s

products. It is provided for informational purposes only and should not be construed as tax or legal advice. Clients

and other interested parties should seek independent tax and legal advice. All case studies and other illustrations or

examples given in this publication are for informational and illustrative purposes and do not predict future performance.

The actual amount of insurance coverage is dependent on factors including the insured’s age, sex, risk class, smoking

status and country of residence. All monetary values reflected in these materials are in U.S. dollars. This information is

current as of April 2014. Clients and other interested parties should refer to the policy contract for detailed terms and

conditions. Although care is taken in preparing this material, Transamerica Life Bermuda disclaims any express or

implied warranty as to the accuracy of the content and any liability with respect to it. For further information, please

contact Transamerica Life Bermuda’s distributors.

© 2014 Transamerica Life Bermuda

TLB 096HSM 0514

Hong Kong Branch Office

58/F One Island East

18 Westlands Road

Island East, Hong Kong

T: +852 2506 0311

F: +852 2506 1455


Singapore Branch Office

1 Finlayson Green #13-00

Singapore 049246

Co. Reg. No. T05FC6768E

T: +65 6212 0620

F: +65 6212 0621







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