Creating Opportunities for Future Generations

How Will Future Generations Be Affected?

How Will Future Generations Be Affected?

Standard of Living: The Next Generation

50%

20%

Worse

BetterSource: Where America Stands, CBS News Poll, May 2010

The Same

25%

5%Don’t Know

Current Debt 2010 Projected Deficit 2020 Projected Debt

$12 Trillion $1.3 Trillion $21 Trillion

Source: The Budget and Economic Outlook: Fiscal Years 2010 to 2020, Congressional Budget Office as of January 2010

Rate of Spending = $1 per second

12 days to spend $1 Million

32 years to spend $1 Billion

32,000 years to spend $1 Trillion

The Federal Debt

Federal Obligation Per Household

A Legacy of Government Debt

$546,668

Source: “Leap in U.S. debt hits taxpayers with 12% more red ink,” USA Today, May 28, 2009

$546,668 $546,668

At least 39 states have cut programs

STATE BUDGET CUTS

Source: Center on Budget and Policy Priorities

HIGHER EDUCATIONELDERLY/DISABLED

K-12 EDUCATION

STATE WORKFORCE

PUBLIC HEALTH

XX X

X

XX

X

X

XX

XX

X

XX X

X

XX

XXX

X XXX

X

X

X

XX

XX

XX

XXX XX X

X

X

If my child loses her job, how will my grandchildren be affected?

Will my loved ones have access to opportunities for success?

How can I help my grandchildren have access

to a quality education?

If my children or grandchildren have medical issues will they be able to pay for treatment?

Guarantees

Control

What is the Ideal Solution?Offers

Building Your Plan

GUARANTEES

Keeps You

IN CONTROL

What is the Ideal Solution?

Building Your PlanBuilding Your Plan

INDEPENDENT of external factors

What is the Ideal Solution?

Building Your PlanBuilding Your Plan

of external factors Taxes

INDEPENDENT

Investments Economic Conditions Career Choices

Building Your Plan

GUARANTEESCONTROL&

Building Your Plan

NOT affected by market volatility

Favorable federal tax benefits

A scheduled monthly check for loved ones, regardless of the economy

Flexibility to make changes and control the distribution of funds

A TransACE® life insurance policy with

a GUARANTEED death benefit

GUARANTEES CONTROL

INCOME PROTECTION

OPTION

OPTIONAL INITIAL PAYMENT

GUARANTEED MONTHLY INCOME STREAM

OPTIONAL FINAL PAYMENT

GUARANTEED INCOME STRATEGYLife insurance with a

Income Protection Option

How a Guaranteed Monthly Income Stream Can HelpProvide an extra $500, $1,000 or more each month for loved ones to:

Buffer the impact of anunexpected job loss or medical bills

Pursue a career in public, religious or social services

Attend private school or youralma mater

Eric, age 55, married to Melissa

Two adult children, one grandchild

Concerned with the future needs of his family

Interested in maintaining control and flexibility over his legacy

Meet Eric

Meet Eric’s Family

Wife: Melissa,age 53

Daughter: Jenny,age 27, single,successfulentrepreneur

Son: Richard, age 34, married with one child

Granddaughter:Cindy, age 10

INCOME PROTECTION OPTION

Pay off mortgage Cash for living expensesWife

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

Please note: While Eric hopes that his beneficiaries use the death benefits for the purposes he has designated, the funds distributed to them may or may not be used to accomplish his specific objectives. Once distributed, the beneficiaries may use the funds whichever way they see fit.

Dream wedding

Art/Music classesGranddaughter

College fund

Private school tuition for child Pay off loans

Son

Cash for physical therapy billsDaughter

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

Pay off mortgage Cash for living expenses

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

Wife

Art/Music classes College fund

Down paymenton home

Expand her business

Family reunion

Granddaughter

Son

Daughter

Wife

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

Pay off mortgage Cash for living expenses

Private school tuition for child Pay off loans

Cash for physical therapy billsDream wedding

Family reunion

Down paymenton homeSon

Private school tuition for child

Expand her businessDaughter

Cash for physical therapy bills

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

Can be changed at any point

FLEXIBLE

Art/Music classes College fundGranddaughter

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

10-Yr Guaranteed Monthly Income StreamOptional First Payment Optional Final Payment

Pay off mortgage Cash for living expenses Family reunionWife

Provide loved ones with guaranteed monthly income

26

Open opportunities for the future, regardless of fluctuating economic conditions

Provide a financial cushion for loved ones during tough times

Building Your Own TransSecurity Solution:

Next Steps

Design a custom plan for yourneeds and budgetFill out an easy-to-use Worksheet to determine how much supplementary monthly income your loved ones may need

Meet with us to prepare for the future:

This material was not intended or written to be used, and cannot be used, to avoid penalties imposed under the Internal Revenue Code. This material was written to support the promotion or marketing of the products, services, and/or concepts addressed in this material. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely solely on their own independent advisors regarding their particular situation and the concepts presented here.TransACE® is a nonparticipating, flexible-premium universal life insurance policy issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy Form #1-12611107 (CVAT), Group Certificate #2-72336107 (CVAT) for certificates issued under a group policy issued to the Rhode Island National Consumer Protection Trust. Policy form and number may vary, and this policy may not be available in all jurisdictions.Transamerica Life Insurance Company (“Transamerica”) and its representatives do not give tax or legal advice. This material is provided for informational purposes only and should not be construed as tax or legal advice. Clients and other interested parties must be urged to consult with and rely solely upon their own independent advisors regarding their particular situation and the concepts presented here.Discussions of the various planning strategies and issues are based on our understanding of the applicable federal tax laws in effect at the time of presentation. However, tax laws are subject to interpretation and change, and there is no guarantee that the relevant tax authorities will accept Transamerica’s interpretations. Additionally, this material does not consider the impact of applicable state laws upon clients and prospects.Although care is taken in preparing this material and presenting it accurately, Transamerica disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it. This information is current as of June 2010.

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