APRIL 2013

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Because our focus is on you and your client. Period.
When it comes to creating products, programs and services, everything we do is focused on just two outcomes:
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Make it easier for you to do business with us
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Make it easier for your clients to get the insurance protection they need at a price they can afford

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1 Why Transamerica?
2 …Because of our products
3 …Because when life happens, we have you covered
4 …Because of our tools and rewards programs
5 …Because of our new business and underwriting offering
6 …Because of the strength of our brand

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Why Transamerica?
We offer you:
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Choice, Value and Flexibility in our product selection
Our easy-to-use LifeScripter® tool
Innovation in underwriting with ePara®
Our New Business Report and underwriting process improvements
Financial stability and solid industry ratings
Online access to WebCAPPOW 24/7
TransXpress e-newsletter with the latest information on our products and services
Conference programs with attainable qualifications

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Why Transamerica?
We offer your clients:
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An easy way to get the insurance protection they need at a price they can afford
A strong and diverse product line – including term
(TERM Select tm ), universal life (Estate ADVANTAGE tm and
Wealth ADVANTAGE tm ) and our Critical Illness Protection
Rider (CIPR)
A dedicated call centre team – available to answer any product or policy question

Why Transamerica?
Dedicated sales team committed to working with middle market advisors like you to successfully grow your business
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 e-Learning
Seminars
Marketing resources
Ready to take your phone calls and answer your emails
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To learn more about Transamerica, visit us online at www.transamerica.ca

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Why Transamerica?
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TERMSelect
T10, T20
T30 with SelectOPTIONS
Universal life – EstateADVANTAGE and
WealthADVANTAGE
Critical Illness Protection Rider (CIPR) on term and universal life (UL) products

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Why Transamerica?
Term products from Transamerica offer many ways to customize your clients’ policy so they can get exactly what they need, for as long as they need it.
 Our term products are:
Affordable
Valuable
Adaptable

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T10
T20
Single life multiple life and joint life coverages
Preferred underwriting program
Guaranteed renewal premiums
Combined banding
Full or partial conversions to permanent plans
Child Insurance
Rider
Accidental Death
& Dismemberment
Rider
Waiver of Premium
Rider
Critical Illness
Protection Rider
T30

Why Transamerica?
Saves money:
 Clients who need 30 years of coverage will benefit from paying much lower rates over 30 years than if they bought T10 or T20 and had to renew or convert
Provides coverage for life:
 TERMSelect30 automatically renews at year 30 with level premiums to age 100, with coverage for life!
Rates are guaranteed:
 Premium rates are guaranteed for life
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Why Transamerica?
Only Term 30 from Transamerica offers increased flexibility built right in with our
SelectOPTIONS.
SelectVALUE Select30 SelectLIFE
Available in years 16-20
Cash surrender value
Subject to taxation
Available on either surrender or conversion
Available in years 16-20
Reduced paid-up coverage to year 30
Available in years 16-20
Reduced paid-up coverage for life
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Why Transamerica?
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Provides your clients with the opportunity to exchange their current T10 product for a T20 or T30 without additional underwriting
Can be done on or after the 1 st policy anniversary and up to and including the 5 th policy anniversary*
Allows clients to lock in their current underwriting status at new-issue rates
*Only available in accordance with program rules. Term Exchange is done at attained age.
At the time of the exchange, regular Term 20 and Term 30 maximum issue ages apply.
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Why Transamerica?
Who is it good for?
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Ideal for clients who are looking to take their current term coverage* and lock into level rates for a new 20-year or 30-year period to cover their mortgage
Eligible coverage types:
Single life, multiple life, joint life (both JFTD & JLTD), term riders on either term or UL policies, term standalone plans
*For inforce cases, available if issued since January 1, 2009.
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Program details:
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The new coverage will receive an underwriting class comparable to the existing term coverage
A reduced first-year compensation is paid upon exchange
If the exchange is done in the first 24 months, there is no chargeback on the T10 coverage
Override is paid on the new coverage
*Available if the exchange occurs on or after the 1 st policy anniversary and up to and including the 5 th policy anniversary and in accordance with program rules. Term
Exchange is done at attained age. At the time of the exchange, regular Term 20 and
Term 30 maximum issue ages apply.
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Why Transamerica?
FOR: Choice…Flexibility…Guarantees
CHOICE
WealthADVANTAGE
 Ideal for policyholders who plan to invest more aggressively and have longer-term financial goals and investment horizon
EstateADVANTAGE
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Ideal for more conservative policyholders with shorter-term financial goals and investment horizon
Wide selection of investments choices with competitive fees
Optimizer option
Automatically reduces the face amount to minimize insurance costs while enhancing tax-deferred accumulation
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Why Transamerica?
Choice
Annual renewable term (ART) cost of insurance
ART to age 85 provides clients with peace of mind in knowing that their cost of insurance ends at age 85 (or 20 years coverage if purchased after age 65)
ART to age 100 cost of insurance period ends at age 100
ART COI may also be changed to level COI before the client’s 80th birthday
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Why Transamerica?
Flexibility
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Premium flexibility
Providing the policy does not go into shortage, clients may change premium payments by increasing or decreasing, paying at unscheduled dates, stopping and restarting payments or paying monthly deductions with the accumulated tax-deferred fund value
Accessible cash value
Clients may withdraw a portion of the cash values that have built up within their policy
Convenient withdrawal and loan methods are available, subject to current tax laws and policy surrender charges
Pre-funding
This option allows the ability to pay COI with pre-tax investment dollars
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Why Transamerica?
Flexibility
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Creditor protection
May be available if a certain family relationship exists between the life insured and beneficiary (and in
Quebec between the policy owner and the beneficiary), or if a beneficiary designation is irrevocable
Single policy fee for up to 15 coverages
Attractive for both business and families because it offers great flexibility and an enhanced tax-sheltering ability without additional policy fees
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Why Transamerica?
Guarantees
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Tax differed growth to maximize your client’s capital
Interest growth earned within the universal life policy is tax sheltered to a maximum determined under the Income Tax Act (Canada)
Probate bypass and tax-free benefits
The proceeds from WealthAdvantage or EstateAdvantage can be paid directly to the named beneficiary tax free, bypassing the estate and the delays and expenses surrounding probate.
(Probate is not applicable in Quebec.)
Client bonuses
We offer guaranteed, unconditional bonuses that do not vary with the type of investment option selected
WealthAdvantage: has a performance bonus with guaranteed minimums to ensure a competitive bonus is always credited
EstateAdvantage: includes an Accumulation Bonus with fixed percentages that do not vary based on fund performance*
*EstateAdvantage low-fee option does not include an accumulation bonus.
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Why Transamerica?
Guarantees
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Minimum returns
Guaranteed minimum returns for our fixed-rate interest options
Premium tax built right into the COI
Guarantee, in the contract, that there will never be an additional fee to cover any fluctuations in provincial premium tax
Transamerica is the ONLY company to build premium taxes right into the cost of insurance
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Why Transamerica?
Available on both term and UL products:
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Selection of riders
Multiple and joint life options
For future flexibility, this includes joint first-to-die and joint last-to-die switch options
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Why Transamerica?
Help your clients save a bundle!
The more term, universal or layered insurance they buy from Transamerica, the less they pay per unit and the more they can save
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Clients pay one policy fee for whole “deal”
Client can take advantage of highly competitive rates from Transamerica
Use LifeView illustration software from Transamerica to see the full savings potential
 Other comparison software won’t show additional savings offered by Transamerica for purchases that include a base plan layered with riders
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Why Transamerica
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Children’s Insurance Rider
Low-cost life insurance coverage for unmarried children, issue ages 15 days to 19 years old (including legally adopted children and stepchildren)
Payor Waiver Riders
Provides additional protection for single life policies issued to children by insuring the payor for the amount of the premiums or monthly deductions
Monthly deductions are waived when the payor dies or is considered totally disabled under the terms of the rider
Waiver Riders
This rider waives the monthly deductions should the life insured under this rider be considered totally disabled under the terms of the rider
 Living Benefits
Living Benefits from Transamerica provide tax-free* and surrender charge-free access to your fund value upon disability†
Can help fund unexpected medical expenses, provide nursing care or funds to help with a serious disability or critical illness
Covers occupational and critical condition disabilities
* Under the Income Tax Act (Canada) and at the date of publication of this website, the receipt of Living Benefits is not currently taxable.
Transamerica does not guarantee nor is it responsible for the tax treatment applicable to this policy feature. Please consult your legal or tax advisor for an opinion on this matter in relation to your particular circumstances.
† For information on what qualifies as a disability and for the determination of the benefit amount available to your client, please refer to the contract provisions. Disabilities caused by pre-existing conditions do not qualify.
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Why Transamerica?
Compassionate Assistance Program (CAP)
The Compassionate Assistance Program provides clients with peace-of-mind during a stressful time:
 Gives them the option of taking out a loan against their death benefit if they are diagnosed with a terminal illness or terminal injury and their life expectancy is less than 24 months*
 Knowing that they can access their death benefit in the form of a loan can help make your clients’ everyday life a bit easier during a very difficult time
*Twelve months or less if your client is between the ages of 72 and 77.
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Why Transamerica?
For a broader spectrum of coverage
Our Critical Illness Protection Rider, when bundled as a rider with your clients’ term or universal life insurance, will provide your clients with:
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More comprehensive protection than life insurance alone can offer
An average savings of up to 15%* when compared to purchasing standalone critical illness coverage
A choice of a 4-condition rider, or a more comprehensive 25-condition rider
A one-time lump sum benefit that can be used for any purpose without restriction if your client is diagnosed with one of the critical illness covered conditions and survives the 30-day survival period
* Monthly premiums based on Transamerica rates for male non-smoker, age 45, for $75,000 in face amount.
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Coverage type Term 10 Term 20 Term to 65
Coverage description
A renewable and convertible term 10 critical illness rider
A renewable and convertible term 20 critical illness rider
A level premium to age
65 critical illness rider
Expiry age To age 75 To age 75 To age 65
Renewability option
Renewable with guaranteed premiums that increase every 10 and 20 years, respectively.
None
Conversion option
The plans are convertible starting on the second anniversary and are convertible up to or until the coverage anniversary nearest the life insured’s age 60.
Available on life insurance plans
Term and universal life plans, currently available
“for sale” today (single and multiple life)
Individual life insureds in a joint life insurance coverage may not apply for a Critical Illness
Protection Rider
Universal life only
(single and multiple life)
Not available on joint life plans
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Why Transamerica?
LifeScripter ®
Layered insurance
Ultimate Rewards
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Why Transamerica?
LifeScripter is an innovative insurance calculator – and the only one you’ll ever need
 How does it make your life easier?
It offers a fast and easy way to calculate how much insurance your client needs at every stage of life
It presents that information in a way that’s easy for your clients to understand
It’s integrated with LifeView, so you only have to input your client’s information once
Coming soon – an enhanced version of LifeScripter that will help your clients consider their critical illness needs
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Why Transamerica?
Use LifeScripter to present your clients with a layered insurance solution:
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Layers several different types, or durations, of insurance protection, such as term insurance and permanent insurance, to create a customized solution
Evolves as your client’s need for protection and savings evolves
It may help avoid the need for separate and expensive permanent CI, DI and
LTC plans
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Why Transamerica?
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Two ways to participate – it’s your choice:
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The one-year program
Make it Miami! in 2013 (Completed)
Savour San Francisco in 2014
The two-year program
Fire and Iceland in 2014
Each program has its own qualifications and criteria.
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Subject to eligibility, qualification for rewards is based on a combination of convention credits and case counts as follows:
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Convention credits are based on net life first-year commissions
One convention credit = $1.00 first-year life commissions
One case count for every settled newly issued life policy number
NOTES:
1. Additional coverages or additional lives on existing life policies are not eligible towards case count.
2. Investment accounts are excluded from case count.
3. Investment product sales are not eligible, nor are they included towards convention credits.
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Reward level Qualification criteria
One-year program 2014
(San Francisco, California)
Between , January 1, 2013, and December 31, 2013:
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50,000 convention credits and 10 or more settled life cases
40,000 convention credits and 15 or more settled life cases
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30,000 convention credits and 30 or more settled life cases
50 or more settled cases
Two-year program
(Iceland)
Between , January 1, 2012, and December 31, 2013 :
 200,000 convention credits and 20 or more settled life cases, or
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100,000 convention credits and 50 or more settled life cases, or
120 or more settled life cases
All NLFYC generated from the Transamerica Term Exchange Program will count towards Ultimate Rewards convention credits. However, these policies will not count towards the case threshold for the San Francisco or Iceland Ultimate Rewards programs.
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Visit www.transamerica.ca to:
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Why Transamerica?
1
Preferred Underwriting Program
2 ePara®
3 Innovative Attending Physician’s Statement (APS) policy
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Dedicated underwriting team
5 New business and underwriting process improvements
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Why Transamerica?
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Preferred Underwriting Program
Available for face amounts of $250,000 or greater and now offered for ages 16 and above
Non-Medical Underwriting Program
Available for face amounts below $250,000 and ages 45 and under
Available for face amounts below $100,000 and for ages 46-55
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Why Transamerica?
Non-medical underwriting:
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Available for face amounts up to and including
$250,000 for ages 45 and under
Available for face amounts up to and including
$99,999 for ages 46-50
Not available for ages 51-65
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Why Transamerica?
Improved turnaround time with the new ePara®:
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Underwriting on applications requiring paramedicals reduced by up to 9 days!
Paramedical received by Transamerica electronically – same day
Ensured accuracy and completeness of all paramedicals greatly reduces NIGOs
No paperwork or misplaced documents
Enhanced security features
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Why Transamerica?
Innovative Attending Physician’s Statement (APS) policy
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Our APS policy is unique to the industry
Reduces the number of second follow-ups to doctors
Allows for faster, more efficient processing
Makes it easier for your clients to get the protection they need, while simplifying the new business process
Overall underwriting success compared to the industry i.e., more approved cases than the industry:
87% approved compared to industry average of 76%
(Munich Re, 2011)
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Why Transamerica?
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Risk assessment team underwrites applicants for life insurance or our CIPR
Research Team is always busy:
Conducting research on emerging medical and industry trends affecting underwriting and pricing of life insurance
Working on our automated universal life decision tool
Looking for ways to make it easier to do business with us
Case coordinators help you get your business settled by:
Tracking the NB cases
Answering your calls on a specific case
Consulting with the specific underwriter and providing answers right away
Marketing support to help you speed up the underwriting process
Underwriting guide, medical conditions pocketbook, tip sheets
48 hr turnaround time
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Why Transamerica?
New Business Report and underwriting
Of all the cases we’ve underwritten in 2012 that were eligible for preferred classification (>$250,000), 41% received preferred or elite status
What’s happening in the industry:
 The industry results survey for life are:
9% for declines
6% for rated
Source: Munich Re, 2011.
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Why Transamerica?
We can do better than that!
 We’ve only declined 5% of life clients
 We’ve rated only 6% of life clients
What about Critical Illness?
 We’ve only declined 7% of CIPR clients
 We’ve rated only 5% of CIPR clients
AND…
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Only 19% of our cases have required an APS when there was a Critical Illness Protection Rider
Total of APS requested including CI was at 23%
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Why Transamerica?
Claims
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We continue to deliver on our commitment to be there when your clients and their families need it the most
In 2012, we settled 2,748 claims, paying out
$293,841,804 in death benefits
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 Transamerica has three divisions:
Life & Protection
Individual Savings & Retirement and
Employer Solutions & Pensions
 Transamerica Life Canada is part of Life &
Protection, the largest of the three divisions
One of the top 10 providers of life and protection products in U.S. and Canada
Operations in nine countries
4,500 employees worldwide
Sales of $1 billion
Inforce premium of $6 billion
Total claims of $4 billion
21 million customer contacts
Note: Annual amounts for 2011 as at December 2011.
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Why Transamerica?
Exciting new campaign
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For the first time in our history, we will be talking directly to your clients with our “It’s real now
SM
” campaign
Creating greater awareness of our brand and what we stand for
Campaign focuses on real moments in life, both joyful and bittersweet
Talks about how these moments transform how we think about our future and our finances
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Reaching the people
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TV spots airing throughout the 2013 NCAA March
Madness and the Masters Tournament
Streaming video of the “stories” on the landing page of the .com website
Online and mobile banner ads
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Zach Johnson Foundation Classic
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Title sponsor at the second annual Zach Johnson Foundation
Classic
A number of pro golfers and celebrities are playing
Event raised an estimated $1M last year for the Kids On Course program to help make a difference in lives of children
Birdies That Care: What does Transamerica do each time Zach makes a birdie?
 Transamerica donates $50 for every birdie that Zach Johnson makes throughout the season
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Why Transamerica?
Canadian Premier Life is now a subsidiary of Transamerica Life Canada
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We gain additional strength from having a closer relationship with another Transamerica business in Canada
Helps us reduce or control costs through the sharing of support services
Our advisors and consumers will benefit more from the greater scale of support services, as well as increased access to expertise
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Transamerica Ultimate Rewards Program eligibility, qualifications and rules 2013-2014
The program is open only to those advisors who meet qualification requirements; no substitutions will be accepted
Convention credits and case counts cannot be shared or transferred from one advisor to another
Convention credits and case counts are non-transferable and are not exchangeable for cash or other trips or awards
Transamerica Life Canada may cancel, discontinue, suspend and/or modify the program, and/or the qualification criteria and requirements, at any time, without notice
During the qualification period, if an advisor transfers from one distributor to another, his or her credits and case counts will be accumulated from all distributors where he or she settled Transamerica Life Canada business
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Case counts cannot be split between advisors. If two advisors split a single case, the case count will be attributed to only one of the advisors
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However, split first-year commissions will be attributed to both advisors based on the split percentages paid
Advisors placing business under corporate or shared codes can only qualify based on their personal production
Business must be submitted and settled under the advisor’s own selling agent code
Advisors may be restricted from participation in the Transamerica Ultimate Rewards program by their distributor and/or employer. Advisors are urged to clear their participation with their applicable management
Qualifiers must have an inforce contract in good standing with Transamerica Life Canada when the reward is redeemed
For the 2013 one-year program, to be eligible for convention credits, business must be settled and commission paid to the advisor by December 31, 2012. For the 2014 one-year program, to be eligible for convention credits, business must be settled and commission paid to the advisor by December 31, 2013
For the 2014 two-year program, to be eligible for convention credits, business must be settled and commission paid to the advisor by December 31, 2013.
All qualifiers must meet Transamerica Life Canada’s standard persistency rate for business retention of no less than 85%
All eligible participants must support industry and regulatory guidelines, including full and proper disclosure to their customers of their participation in incentive and/or reward programs
Convention credits will not be awarded for policies settled on the life of the personal producer or his or her immediate family members
Any convention credits and case counts earned on policies that terminate in the three months immediately following the qualification period, and which were submitted in the last four months of the qualification period, may be deducted
A taxable benefit will be assessed to each qualifier (which will include the total value for both the advisor and his or her guest combined), and a T4 will be issued under the selling advisor’s code for the total value
Attendance is by invitation only from Transamerica and is not a contractual right. Transamerica Life Canada retains the right to refuse to award convention credits or case counts, in its sole discretion
Transamerica will cover approved reasonable travel costs for the advisor and one guest over the age of 18, as well as the hotel and hosted meal and scheduled activity costs
Inability to attend on the date selected by Transamerica Life Canada for the Ultimate Rewards trip will lead to forfeiture of the reward
WFG (World Financial Group) advisors are not eligible for the Transamerica Ultimate Rewards program
Visit the website for more details
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This communication is published by Transamerica Life Canada (“TLC”) with material obtained from a number of third-party sources and is intended for advisor use only.
Any information contained in this presentation is intended for general information purposes only and should not be considered specific or personal investment, insurance, estate planning, legal or tax advice or a solicitation to purchase insurance. While reasonable efforts have been made to ensure that the contents of this presentation have been derived from sources believed to be reliable and accurate at the time of publication, Transamerica does not warrant the accuracy or completeness of the information contained herein.
Examples given in this presentation are for illustration purposes only. The specific facts and circumstances of each case will differ from client to client. Neither Transamerica nor its affiliates, officers, employees or any other person accepts any liability whatsoever for any direct, indirect or consequential loss arising from any use or reliance on the information, general strategies or opinions contained herein.
No one should act upon the information or examples without a thorough examination of their legal and tax situation with their own professional advisors based on the facts of their specific case.
® Transamerica and the pyramid design are registered trademarks of Transamerica Corporation. Transamerica Life Canada is licensed to use such marks.
SM Tomorrow Makers, Transform Tomorrow, Transamerica Transform Tomorrow, We are the TOMORROW MAKERS and the TOMORROW
MAKERS and It’s real now design mark are trademarks of Transamerica Corporation. Transamerica Life Canada is licensed to use such marks.
™ Trademarks of Transamerica Life Canada.
® ePara is a registered trademark of Hooper-Holmes Canada Ltd.
® LifeScripter is a registered trademark of Transamerica Life Canada.
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