MORE PRODUCTS, BETTER SERVICE: THE VOLUNTARY BENEFITS CARRIER THAT

DELIVERS FOR YOU

The Mission of Transamerica Employee BenefitsTo make a more secure tomorrow and provide an exceptional experience today for every customer we serve.

For forward-thinking employers, this means access to the broadest selection of products available supported by personalized service to satisfy your employees and make your life a little easier.

More Employers Are Choosing Transamerica

2011 FACTS + $145,000,000 in premium + 12,500 employer groups and over

700,000 insureds + 290,000 claims paid

Transamerica Employee Benefits' sales of Transamerica Life Insurance Company ("Transamerica") products grew by 28% in 2011, the fastest rate of any Top 10 voluntary carrier.1 Thanks to significant investments in technology and support, employers are discovering the ease of streamlined enrollments, flexibility for organizations with operations in one location or in multiple states, and a real commitment to personalized service and timely claims payment.

The Broadest Choice of ProductsThe convenience and options you’ll find working with Transamerica’s extensive set of products will make it easier to meet the full range of your employees’ needs. We can help you and your broker determine the best solutions for your company:

+ Benefit solutions for employers, trade associations and unions

+ Flexible supplemental plan designs that integrate with major medical coverage

+ Easy multi state enrollments with group-based products + Guaranteed issue, portable coverage, no waiting periods

on most products + Coverage options for employees and families, including

part-time, temporary, and seasonal employee solutions

1 LIMRA. “Fourth Quarter Voluntary Product Sales Survey, 2011.

Insurance products underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. Not available in all states.

CRC01B2-0512

CANCER ANDCRITICAL ILLNESS

MEDICALPRODUCTS

ACCIDENTSHORT-TERMDISABILITY

WHOLE LIFE

192%

11%

35%25%

35%25%

132%

8%4%

TRANSAMERICAWORKSITE SALES

INDUSTRY

21%

PREMIUM GROWTH VS. THE INDUSTRY1

Employers are Turning to Transamerica

Transamerica Employee Benefits1400 Centerview Drive (800) 400-3042 Little Rock, Ark. 72211 www.transamericaemployeebenefits.com

An Exceptional Service and Benefits ExperienceYou’ll find that Transamerica Employee Benefits will be there for your employees when it matters most: at claim time. That same service orientation will be there for you from the beginning, with a unique enrollment service we’ve developed to make it easy for employees to select guaranteed issue coverage through your normal HR processes. You’ll also appreciate:

+ Dedicated relationship managers to help with your account set up

+ Customized communication and marketing materials + Flexible group underwriting + Customized electronic, web, call center and spreadsheet

enrollment solutions + Multiple billing options + Fast and simple claims processing

The Strength of TransamericaBy choosing Transamerica for voluntary benefits, you also have access to Long Term Care, retirement plans, and investments through other Transamerica affiliates. Transamerica has been a voluntary benefits innovator since 1932. Across the United States, Transamerica companies employ more than 14,000 people to serve more than 20 million customers.

SustainabilityOur long-term success depends on our ability to keep our promises to customers, investors, employees, business partners, and communities. We invest and operate responsibly for the future and provide community support to such organizations as United Way, Juvenile Diabetes Research Foundation, Habitat for Humanity, and the Susan G. Komen Foundation.

+

A.M. Best A+ Superior (2nd of 16 categories)

Moody’s A1 Very Strong (4th of 19 categories)

Fitch AA- Good (5th of 21 categories)

Standard & Poor’s AA- Very Strong (4th of 21 categories)

Ratings as of April 2012 from the A.M. Best Com-pany, Moody’s Investors Service, Fitch Ratings and Standard & Poor’s reflect current opinions of the rela-tive financial strength and operating performance of Transamerica Life Insurance Company.

The Right Choice for 2012: Are You Ready for Tomorrow?As the economic recovery and health care reform reshape the benefits landscape, employees are increasingly making their financial protection decisions at the workplace.

Transamerica's portfolio of voluntary life and supplemental health products are easy to understand, simple to enroll, supported by payroll deduction, and available at no cost to your company. Contact us or your broker today to make 2012 the best year yet for your business and your employees.

Employees across America are discovering the coverage flexibility and great claims support Transamerica Employee Benefits delivers daily.

FINANCIAL STRENGTH RATINGS