WHY TRANSAMERICA? - PART 4: NO LAPSE GUARANTEE TRANSACE PRODUCTS Three great Universal Life products with No Lapse Guarantee Endorsement and many enhancement options and features. RIDERS AVAILABLE ON TRANSACE PRODUCTS • Accelerated Death Benefits • Multiple riders available: Waiver, ADB, Children Insurance Rider, Guaranteed Insurability* • Automatic Premium Loan (APL) – helps prevent unintended policy lapse • Insured Exchange Option – allows changing policy to another qualified insured • Income Protection Option (IPO) -Guaranteed monthly income and initial or final lump sum • Surrender Charge Waiver Endorsement option (Honeymoon Provision) - surrender charges waived for full surrender during first five years • MultiFlex Surrender Enhancement Endorsement – greater guaranteed surrender value** • Surrender Penalty Deferral Endorsement available on eligible policies • No Maturity Dates TRANSACE NLG - ADDITIONAL FEATURES • $25,000 minimum face amount with face amount bands for larger sales • Issue age up to 89 with up to 7 rating classes • Long Term Care Rider TRANSACE CV - ADDITIONAL FEATURES • $25,000 minimum face amount with face amount bands for larger sales • 4% Guaranteed Minimum Interest Rate • Issue age up to 75 with up to 8 rating classes • Premium Qualification Credit – 2% premium bonus TRANSACE SURVIVOR - ADDITIONAL FEATURES • Traditional Second-to-Die universal life contract with no-lapse guarantee endorsement • $250,000 minimum face amount with face amount bands for larger sales All this and more from a company with top A.M. Best, S & P and Moody’s ratings, top Producer contracts with great commission packages, bonuses, awards and conventions. Plus industry leading training, sales and advanced sales support. Cenco Insurance Marketing Corp 1501 El Camino Ave., Suite 1 Sacramento, CA 95815 (916) 920-5251 www.cencoinsurance.com For general reference agent use only, see Company literature or policy contracts for details and applicability. Not all products or features are available in all states as of this writing and the applicability of some features may be dependent on individual policy situations. Do not rely on any information other than that provided by Transamerica. * Not available on TransACE Survivor ** Not available on TransACE CV