Transamerica Employee Benefits Strong Client Growth More Voluntary

Transamerica Employee Benefits Strong Client Growth, More Voluntary Products, Exceptional Service CRC 00 A-0213

Your Voluntary Benefits Advantage Transamerica grew faster than any other Top 10 voluntary carrier in 2012 – More brokers and clients are choosing our products and our service. * LIMRA. “Fourth Quarter Voluntary Product Sales Survey, 2012.

2012 - Sustained Growth and Innovation

Why More Clients Choose Transamerica A more secure tomorrow … an exceptional service experience today • Transamerica Companies have 80 years of experience in employee benefits for employers, unions and associations • “Top 3” recommended worksite carrier by Eastbridge Consulting Group, Inc. * • • One of the broadest portfolio of voluntary products • Investments in service infrastructure to deliver personalized attention and simplicity Group-based, portable products with streamlined electronic and web-based enrollments * Eastbridge Consulting Group. “The Evolution of the Worksite Broker. 2010.

Financial Strength Ratings for Transamerica Life Insurance Company As of December 2012 A. M. Best A+ Superior 2 nd of 16 categories Fitch AA- Very Strong 4 th of 19 categories Moody’s A 1 Good 5 th of 21 categories Standard & Poor’s AA- Very Strong 4 th of 21 categories Ratings reflect the current opinion of the relative financial strength and operating performance of the company. Copies of rating reports are available at transamerica. com

Broadest Voluntary Portfolio Available Life and health insurance products underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Not available in all states.

Customer-Tuned Products Advisors are looking for answers to client and employee concerns In a challenging environment: • • • Market developments Health care reform Consultant preferences Employer options Competitive pressures

Right Blend of Individual and Group Features Group chassis provides clear benefits • Easy handling of multi-state cases • Guaranteed issue available on all products • No medical underwriting when participation requirements are met • Streamlined electronic/web-based enrollments Designed to meet employee and family needs • Competitively priced premiums for employees • Spouse and dependent child coverage available • Full portability; no waiting periods on most products A portfolio producers value • Plan-design flexibility • Competitive first-year and levelized commissions available

An Exceptional Service Experience SALES and ENROLLMENT SUPPORT ACCOUNT SERVICE BENEFITS

An Exceptional Service Experience People are moving to Transamerica because of our service. Dedicated Service Attention • • Specialized sales teams Single point of contact for each case Personalized support Responsive claims and customer service Committed to Technology • The right investments for the future

SALES and ENROLLMEN T SUPPORT Quality Service at Every Interaction Wide Reach of a National Leader Regional Sales Leaders in 40 Cities • • Specialized sales teams Single point of contact for each case Specialized Sales Support • • Health. Pak Specialty Markets National Accounts Stop Loss

SALES and ENROLLMEN T SUPPORT Flexible Streamlined Enrollments Expertise with Every Option • Traditional group/face-to-face • Electronic • Web • Self-Service • Call Centers

ACCOUNT SERVICE Simple, Efficient Infrastructure Real-time Access to Answers • • • Dedicated Client Relationship Manager Product and training support Case coordination and set-up Complimentary marketing materials Coordinated client calls

ACCOUNT SERVICE Customer-Focused Case Issue and Billing Hassle-Free Case Issue • • Simplified underwriting Fast, accurate policy issue Excellent reporting Connections with client, carrier and TPA systems Billing That’s Fast and Right • • • Focus on accuracy of initial bill 95% of payments applied within 3 business days Flexible billing options for every employer need and system

ACCOUNT SERVICE All-Access Personal Service • Customer experience teams with product expertise • Online, on-demand service for employers and employees: Transamerica. Employee. Benefits. com • Dedicated Conservation Team Protecting an average of $2 million in premium for producers every year

BENEFITS Rock Solid Claims Performance Experienced professionals • Claims analyst average tenure of 9 years • Proactive assistance with claim submissions Timely • 90% paid within 96 hours Easy • Consolidated, straightforward forms • Telephonic intake for wellness claims

LEADING PRODUCERS GROUP Incentives that include a stock purchase plan, marketing allowances, reimbursement of licensing fees PLUS conventions. Membership Levels • LPG Elite • LPG President’s Club

Here’s How To Get Started To get appointed, call our Fast Agent Contracting Service 866 -546 -0997 Call your Regional Vice President or Client Relationship Manager at 866 -TRANSAMERICA www. transamericaemployeebenefits. com