(Name)
(Agency Name)
(Street Address)
(City, State, Zip Code)
(Phone number)
(E-mail Address)
Life Insurance That Offers Living Benefits
AND Death Benefits In One Convenient Solution
Dear <Insert Client Name>:
Most people don’t want to think about facing a terminal illness like cancer…or being stricken with a critical illness like
heart attack or stroke…or suffering a chronic illness leaving them unable to perform activities of daily living, such as
eating, bathing or dressing. Illness can strike us at any time, and recent studies show that nearly half of adults suffer
from at least one chronic illness.1
Trendsetter® LB (Living Benefits) is term life insurance issued by Transamerica Life Insurance Company that offers the
ability to accelerate a portion of the policy face amount if you become stricken with a qualifying critical, chronic or
terminal illness.2 So whether you are looking for death benefit coverage, or want to be prepared in case of a serious
illness, Trendsetter LB offers the protection you want in one convenient solution.
Sample monthly guaranteed level premiums for $100,000 in coverage,
Trendsetter® LB 10, Preferred Choice Nonsmoker class
Age 40
Age 45
Age 50
Age 55
Age 60
Male
$12.38
$15.74
$23.36
$32.42
$52.80
Female
$11.09
$14.10
$18.66
$27.18
$44.12
Premiums are lower if paid annually. Premiums for other underwriting classes, ages, face amounts and payment modes are available upon request.
If approved for coverage, your actual premium may vary.
For more information on how you can apply today, please complete and return this entire form in the enclosed postage
paid envelope or call us at (insert phone number here).
Name:
Date of Birth:
Home #
Cell #
Spouse Name : 3
Date of Birth: 3
Work #
Best Time To Call:
Sincerely,
(Name)
(Title)
1
http://www.cdc.gov/pcd/issues/2014/13_0389.htm
2
Subject to state availability. The minimum amount that may be accelerated may vary. The maximum amount that may be accelerated will also be subject to an aggregate
maximum of $500,000 under all policies issued by Transamerica and its affiliates covering the same insured, including any death benefit accelerated under a terminal
illness, critical illness, chronic illness or other living benefit option. The actual amount received will be determined at the time of claim. Benefit amounts are discounted
based on factors including the severity of the illness and the insured's life expectancy, and are reduced by applicable administration fees and the discounted value of
future premiums. Some portion of the payments may be taxable, and policy owners are advised to consult with their tax advisors when making a request for an
Accelerated Death Benefit.
3
Spouse information required only if requesting quote for spouse.
Benefits provided through the Living Benefits, including the critical, chronic and terminal illness accelerated death benefits, are subject to certain limitations and
exclusions. Amounts payable under the benefits vary based in part on the nature and severity of the Insured’s health condition and the Insured’s remaining life
expectancy at the time of the acceleration as determined by the company. Refer to the policy or riders for complete details.
Trendsetter® LB is a term life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form No. TL19. For the 10 year initial
level term period, premiums increase annually beginning in year 11. Policy form and number may vary, and this policy 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.
The agent and/or agency mentioned above is an independent contractor representing Transamerica Life Insurance Company.
OL 3025 0215