Transamerica Term Life Insurance Policy Features For New York

Trendsetter® Super Series
Transamerica Financial Life Insurance Company - Trendsetter Super Series Product Features
State Approvals	Available in NY
Type	Trendsetter Super 10, 15, 20, and 30 are level death benefit term life insurance policies guaranteed renewable to the insured’s age 80 with premiums guaranteed level for the first 10, 15, 20, and 30 years, respectively. Premiums increase annually until age 80 once the original level premium period ends.
Conversion Options	The conversion option is included on all Trendsetter products. This option allows the policy owner to change his or her Trendsetter policy to a level face amount whole life, universal life, or variable universal life insurance policy that is made available by Transamerica Financial Life Insurance Company at the time of the exchange. No underwriting will be required if the exchange is to a permanent policy with the same, or lower, face amount. The new policy will be issued at the same class of risk as the inforce policy, if available. If such a class is not available at the time of conversion, the new policy will be issued at the class of risk that is most similar to the class of risk as the in-force policy. Actual premiums on this new policy will be based on the schedule in effect when the option is exercised. (To qualify for a better class of risk, full underwriting evidence may be required.) This option must be exercised as follows: Trendsetter Super 10—will be the later of the two options below: 1. The earlier of the 70th birthday (age 75 for Preferred Plus) or the end of the initial level period. 2. Twelve months after the policy issue date. Trendsetter Super 15, 20, and 30—will be the earlier of age 70 (age 75 for Preferred Plus) or the end of the initial level period. Upon exercise of this option, full first year commissions will be paid on the new policy.
Issue Ages	Age Last Birthday Trendsetter Super 10: 18-70 Trendsetter Super 15: 18-65 Trendsetter Super 20: 18-60 Trendsetter Super 30: 18-50 (nonsmokers); 18-45 (smokers) $250,000 - 500,000 $500,000 - 999,999 $1,000,000 and up Trendsetter Super 15, 20, and 30 $100,000 - 499,999 $500,000 - 999,999
Face Amounts Min/Max	Trendsetter Super 10: $100,000-249,999 $250,000-500,000 $500,000-999,999 $1,000,000 and up Trendsetter Super 15, 20, and 30: $100,000-499,999 $500,000-999,999 $1,000,000 and up
Modal Factors	Semi-annual = .52 Quarterly = .265 Monthly = .0875
Policy Fee	Trendsetter Super 10: $115 Trendsetter Super 15: $140 Trendsetter Super 20: $140 Trendsetter Super 30: $120
Special Product Features	Riders: Waiver of Premium Accidental Indemnity Children's Rider
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Underwriting Guidelines - New YorkTransamerica Financial Life Insurance Company - Trendsetter® Super Series
Classes	Preferred Plus Preferred Nonsmoker Preferred Smoker Standard Plus Nonsmoker Standard Nonsmoker Standard Smoker
Re-entry	The Re-entry option (also known as Conditional Exchange) is included only with the Trendsetter Super 10 and 15. This option allows the insured to replace his or her current policy with a new Trendsetter policy or the most similar contract available at the time of exchange, at those rates in effect on the date of the exchange. The insured must provide complete new evidence of insurability and, if qualified, a new policy will be issued. This option is available as follows: Trendsetter Super 10 10th anniversary Trendsetter Super 15 15th anniversary Full first-year commissions will be paid on the new policy if this option is exercised.
Tobacco Definition	Preferred Plus: no tobacco or nicotine use of any kind for five years Preferred Nonsmoker: no tobacco or nicotine use of any kind for 36 months Standard Plus: no tobacco or nicotine use of any kind for 12 months Standard Nonsmoker: no tobacco or nicotine use of any kind for 12 months.
Special Underwriting Features	For consideration as Preferred Plus: Cholesterol: Total must be 230 or less Cholesterol/HDL ratio must be 5.0 or less with or without treatment. Blood Pressure: All ages; average readings in the past 2 years must not exceed 140/85. No current treatment for hypertension. Prior treatment O.K. if discontinued more than 2 years ago. Family History: No family deaths before age 60 of cardiovascular disease or cancer of either parent or any sibling. Personal History: Any disorder or activity that would have an adverse impact on mortality. Driving History: No more than 2 moving violations in the past 3 years AND no convictions for operating a motor vehicle while under the influence of alcohol or drugs, or reckless driving in the past 5 years. Alcohol/Substance Abuse: No history of treatment for alcohol or substance abuse at any time. For consideration as Preferred Nonsmoker: Cholesterol: Total must be 260 or less Cholesterol/HDL ratio must be 6.0 or less with or without treatment. Blood Pressure: All ages; average readings in the past 2 years must not exceed 145/90. Family History: No family deaths before age 60 of cardiovascular disease or cancer of either parent. Personal History: No heart or vascular disease, diabetes, cancer (except certain skin cancers), chronic kidney or liver diseases. No major depression in the past 5 years. Driving History: No more than 2 moving violations in the past 3 years AND no convictions for operating a motor vehicle while under the influence of alcohol or drugs, or reckless driving in the past 5 years. Alcohol/Substance Abuse: No history of treatment for alcohol or substance abuse at any time. For consideration as Standard Plus: Cholesterol: Total must be 300 or less Cholesterol/HDL ratio must be 7.0 or less with or without treatment. Blood Pressure: All ages; average readings in the past 2 years must not exceed 152/90. Family History: No family deaths before age 60 of cardiovascular disease of either parent. Personal History: No heart or vascular disease, diabetes, cancer (except certain skin cancers). Driving History: No more than 2 moving violations in the past 3 years AND no convictions for operating a motor vehicle while under the influence of alcohol or drugs, or reckless driving in the past 5 years. Alcohol/Substance Abuse: No history of treatment for alcohol or substance abuse in 10 years. For consideration as Preferred Smoker: Cholesterol: Total must be 300 or less Cholesterol/HDL ratio must be 7.0 or less with or without treatment. Blood Pressure: All ages; average readings in the past 2 years must not exceed 152/90. Family History: No family deaths before age 60 of cardiovascular disease of either parent. Personal History: No heart or vascular disease, diabetes, cancer (except certain skin cancers). Driving History: No more than 2 moving violations in the past 3 years AND no convictions for operating a motor vehicle while under the influence of alcohol or drugs, or reckless driving in the past 5 years. Alcohol/Substance Abuse: No history of treatment for alcohol or substance abuse in 10 years. For consideration as Standard Non-Smoker/Standard Smoker: Cholesterol: No limit Cholesterol/HDL ratio must be 8.0 or less with or without treatment. Blood Pressure: All ages; average readings in the past 2 years must not exceed 156/92. Family History: No family deaths before age 60 of cardiovascular disease of both parents. Driving History: No more than 2 moving violations in the past 3 years AND no convictions for operating a motor vehicle while under the influence of alcohol or drugs, or reckless driving in the past 3 years. Alcohol/Substance Abuse: No history of treatment for alcohol or substance abuse in 7 years.