Immediate Solution &10 Pay Solution

(1)

Your Final Expense Insurance Protection Policy

Immediate Solution

&10 Pay Solution

(2)

Industry Ratings

• Rated A+_{- An indication of the financial stability and sound operating performance}

of the insuring companies.

*_{Ratings are current as of October 20, 2014 Ratings reflect the opinion of the relative financial strength and operating performance of the}

issuing companies. A.M. Best is a credit rating organization dedicated to serving the insurance and other financial services industries. Copies of rating reports are available at www.transamerica.com.

WHY DO YOU NEED PROTECTION FOR FINAL EXPENSES?

Did you know?

• Social Security pays only $255 as a lump sum death benefit1_{- and only to}

qualified dependents.

• The Veterans Administration final expense benefit, if you qualify, is only $734.2

• The medium average cost of a funeral is $24,150.3_{This, of course, doesn’t}

include final medical or legal expenses or other debts left unpaid.

• With an average Inflation Rate of 1.5%4_{, it could be as much as $27,772.50}

in 10 years.

1_{Social Security Administration, July 2013} 2_{Veterans Administration, February 2014}

4_{http://inflationdata.com/inflation/inflation/annualinflation.asp average for 2013.} Use of statistics does not imply endorsement.

(3)

Average Funeral Costs

WHAT IF YOU DIED TOMORROW?

How would

your loved

ones pay

for these

final

expenses

and

obligations?

Use of statistics does not imply endorsement.

SERVICES

MEDIUM AVERAGE

COST

Transfer of Deceased to Funeral Home $200–$330

Professional Services

$1,205–$1,880

Embalming $500–$680

Casket $1,000–$3,000

Vault $1,000–$2,000

Funeral Ceremony Fees

$400–$600

Hearse or Funeral Coach

$300–$400

Facilities Charge

$300–$450

Graveside Services

$350–$500

Plus...

There may be additional expenses

• Flowers

• Newspaper death notices • Death certificates

• Cemetery expenses such as plot, opening and closing of grave, marker, engraving, etc.

• Hospital or doctor bills

• Outstanding debts or obligations • Any legal or attorney fees

(4)

This Final Expense Whole Life Insurance Policy helps

assure you won’t be a burden to your loved ones.

• Up to $50,000 Whole Life Insurance Protection • Benefits do not decrease1

• Premiums will never increase for any reason

• Policy cannot be cancelled because of your age or health changes • You are fully protected from the very first day your policy goes into effect

• No medical exam required—just answer the health questions on the application

1 _{The policy may contain provision, which may limit the payment of death benefits during the first two years.}

THE ECONOMICAL SOLUTION

• Helps with the financial burden associated with death • Provides needed cash for costly final expenses

• Helps ease hardship for your loved ones

... A wise choice:

because all you want to leave are memories.

WHAT THIS COVERAGE CAN MEAN FOR YOU

AND YOUR LOVED ONES

(5)

This policy can also include the Accidental Death

Benefit Rider:

1

• If death occurred as a result of an accident, as defined in the rider, this benefit would be paid in addition to the whole life face amount (subject to definitions and exclusions set out in this rider)

• Benefit amount is equal to the base face amount • Benefit lasts for as long as your policy

• Available only on the Immediate Solutions for issue ages 18-70.

ADDITIONAL BENEFITS

This worksheet is a tool to assist you in estimating your basic life insurance needs. It is not intended to provide a thorough and comprehensive analysis of your life insurance needs or to recommend a specific amount or type of coverage. The actual amount of life insurance you need will depend on several factors which you need to consider carefully. Your Financial Services Professional can assist you with an analysis of your personal circumstances.

Recommended Amount _________________________ _____________________

You Your Spouse

Existing Life Insurance Coverage _________________________ _____________________

You Your Spouse

Amount of Additional

Life Insurance Needed _________________________ ____________________

You Your Spouse

Do you have any dependents

that should be covered? ________________________________________________

This is an estimated recommendation for basic life insurance coverage.

Your Estimated Final Expense Needs

(6)

• Personal

• Health

• Amount of Coverage

• Name of Beneficiary

• Signature and Date

(7)

85665_TLIC_TPLIC_TFLIC 0215

This is life insurance. This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of your funeral at the time of your death. The beneficiary of this life insurance may use the proceeds of this life insurance for any purpose, unless otherwise directed. The face amount of this life insurance is not guaranteed to increase at the same rate as the costs of a funeral increase.

Transamerica Financial Life Insurance Company is authorized to conduct business in New York. Transamerica Life Insurance Company and Transamerica Premier Life Insurance Company are authorized to conduct business in all other states.

Immediate Solution 121, 10-Pay Solution and the Easy Solution are whole life insurance policies issued by Transamerica Financial Life Insurance Company, Harrison, NY 10528 in New York and by Transamerica Life Insurance Company, or Transamerica Premier Life Insurance Company, Cedar Rapids, IA.52499 in all other jurisdictions. Policy Form Nos. WL08 and WL09. Policy form and number may vary, and this product and riders may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.