Recession Rally: Time to Get America TermedOn

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• Recession Rally Time to Get America
  Termed-On!
• Todd R. Ewing
• Vice President, Term Life

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Marketplace and Opportunity

• The U.S. population has doubled in the last 50
  years and yet less Life policies were sold in
  2007 than in 1957
• One third of Americans have no life insurance at
  all. Average protection for those that have
  coverage is 146,000
• For more than 60 who have insurance, the
  existing coverage will replace 4 years or less of
  their current income
• Data based upon LIMRA International's Life
  Ownership Study, 2006

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Marketplace and Opportunity

• 48 million U.S. households know they need
  additional insurance coverage
• Of those polled, 28 stated that they would
  likely purchase a new policy if simply presented
  with the opportunity
• Presented with coverage options and price
  comparisons, over 60 claimed that they would
  choose Term Insurance as their top protection
  option

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Marketplace and Opportunity

• 24 stated that they do not know how/where to get
  a new policy
• Excluding internet ads, over 80 had not been
  offered to buy a policy or contacted by an
  insurance salesperson in the last 12 months

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TransFormationTop 10 Reasons to Sell Our Term

• 10. Rates- Lower across board, competitive in
  core middle-market, top 5 rates in most cells!
• 9. Classic Sweet Spot- Older clients, larger
  face amounts, higher premiums, top 3!

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Trendsetter Super 10 Male Preferred Nonsmoker,
1 Million
Known premiums as of January 26, 2009
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Trendsetter Super 15Male Preferred Nonsmoker,
1 Million
Known premiums as of January 26, 2009
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Trendsetter Super 20 Male Standard Nonsmoker,
1 Million
Known premiums as of January 26, 2009
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Trendsetter Super 30 Male Standard Nonsmoker,
1 Million
Known premiums as of January 26, 2009
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TransFormationTop 10 Reasons to Sell Our Term

• 8. Niches- Standard prices, smoker rates,
  foreign nationals and travel, IPO

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A Guaranteed Income Stream
Income Protection Option (IPO)
_______
5,000
1. Monthly Income Needed?
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_______ (5-25 years)
2. Number of Years Needed?
20,000
_______
3. Optional Initial Lump Sum
35,000
_______
4. Optional Back End Lump Sum
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IPO Quick Facts

• Software solves for the death benefit needed,
  based on desired monthly income
• Parameters
• Minimum monthly income stream 100 per month
• Payout durations 5 to 25 Years
• Optional front or back end lump sum minimum
  10,000
• Available at no additional cost
• Endorsement can be modified or even cancelled at
  anytime, prior to the death of the insured.
• Available on all Transamerica term products,
  including the ROP 30

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TransFormationTop 10 Reasons to Sell Our Term

• 7. Service- Faster response and improved customer
  experience cycle times and placement ratios
• 6. Extended Issue Ages- Best in the Business

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Industry Leading Maximum Issue Ages
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Issue Ages 15-Year Level TermMale, Preferred NS
Maximum Issue Age Comparison
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Issue Ages 20-Year Level TermMale, Preferred NS
Maximum Issue Age Comparison
Transamerica
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Issue Ages 30-Year Level TermMale, Preferred NS
Maximum Issue Age Comparison
Transamerica
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TransFormationTop 10 Reasons to Sell Our Term

• 5. Simplified APS Guidelines- Relaxed structure
  may significantly reduce cycle times
• 4. Exclusive Underwriting Team through ISIS a
  member of BRAMCO turn around from submission to
  issue of 8 days
• 3. Marketing Opportunities- POM, Direct
  Marketing, Endorsement letters, TOP, Co-Branding
• 2. Focus- Termites are Back and We want your
  Business!

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TransFormationTop 10 Reasons to Sell Our Term

• 1. GROWTH
• Were on the UPSWING and want to be your
  winning partner for TERM!

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Questions?
Thank you! ISIS Life [phone]