Policy Features

WAYNE
DIRECT

INSURANCE SERVICES

Todd L. Wayne
President
(800) 461-3305

POLICY FEATURES, BENEFITS OR OPTIONS

LEVEL DEATH BENEFITS - COVERAGE REMAINS LEVEL UNTIL AGE 95 AS LONG AS THE POLICY IS IN FORCE.

GUARANTEED LEVEL ANNUALPREMIUMS FOR THE FIRST 10 YEARS FOR TRENDSETTER SUPER 10, FOR THE FIRST 15 YEARS FOR TRENDSETTER SUPER 15, AND FOR THE FIRST 20 YEARS FOR TRENDSETTER SUPER 20.**

GUARANTEED RENEWABLE TO AGE 95.*** THE POLICY CAN NEVER BE CANCELED BY THE COMPANY (EXCEPT FOR NON-PAYMENT OF PREMIUMS, MISSTATEMENT OR FRAUD).

ASSOCIATION MEMBERSHIP NOT REQUIRED.

CONVERTIBLE - THE POLICY MAY BE CHANGED TO A LEVEL FACE AMOUNT WHOLE LIFE OR UNIVERSAL LIFE INSURANCE POLICY MADE AVAILABLE BY TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY AT THE TIME OF EXCHANGE. NO UNDERWRITING WILL BE REQUIRED IF THE EXCHANGE IS TO A PERMANENT POLICY WITH THE SAME OR LOWER FACE AMOUNT. EXCHANGE MUST BE MADE PRIOR TO THE INSURED’S 70TH BIRTHDAY (75TH BIRTHDAY FOR PREFERRED PLUS CLASS).***

AN ACCELERATED DEATH BENEFIT RIDER IS INCLUDED WHICH ADVANCES A PORTION OF THE DEATH BENEFITS IF THE INSURED HAS BEEN DIAGNOSED WITH A TERMINAL ILLNESS.

BENEFITS ARE PAYABLE UPON PROOF OF DEATH FROM ANY CAUSE, ANY PLACE IN THE WORLD, SUBJECT TO THE POLICY TERMS (SUICIDE EXCLUDED DURING THE FIRST TWO YEARS).

ISSUED BY TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY; ONE OF THE LARGEST LIFE INSURANCE COMPANIES IN NORTH AMERICA, IN TERMS OF LIFE INSURANCE IN FORCE. FOR NEARLY A CENTURY, TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY HAS BEEN A LEADING PROVIDER OF INSURANCE AND INVESTMENT PRODUCTS FOR INDIVIDUALS AND COMPANIES. TRANSAMERICA OCCIDENTAL LIFE IS A MEMBER OF THE AEGON INSURANCE GROUP, ONE OF THE LEADING LIFE INSURANCE AND FINANCIAL SERVICES ORGANIZATIONS IN THE WORLD.****

YOUR SPOUSE MAY ALSO APPLY FOR COVERAGE. SPOUSES MAY SELECT ANY AMOUNT OF COVERAGE AND CAN APPLY EVEN IF YOU CHOOSE NOT TO APPLY.

Online Application

**Trendsetter Super 10 (Policy Form # 1-306 11-199), Trendsetter Super 15 (Policy Form # 1-305 11-199) and Trendsetter Super 20 (Policy Form # 1-304 11-199) are level death benefit term life insurance policies issued by Transamerica Occidental Life Insurance Company, Cedar Rapids, Iowa with guaranteed level premiums for the first 10, 15, and 20 years respectively. Premiums increase annually beginning in year 11 for Trendsetter Super 10, in year 16 for Trendsetter Super 15 and in year 21 for Trendsetter Super 20. Policy forms and numbers may vary, and these products may not be available in all jurisdictions.
****Transamerica Occidental Life’s Financial Ratings: A.M. Best: A+ (2nd Highest of 16 Ratings), Fitch: AA+ (2nd Highest of 24 Ratings), Moody’s: Aa3 (4th Highest of 21 Ratings), and Standard & Poors (3rd Highest of 21 Ratings). All ratings are as of October, 2006.

POLICY FEATURES, BENEFITS OR OPTIONS

	LEVEL DEATH BENEFITS - COVERAGE REMAINS LEVEL UNTIL AGE 95 AS LONG AS THE POLICY IS IN FORCE. GUARANTEED LEVEL ANNUALPREMIUMS FOR THE FIRST 10 YEARS FOR TRENDSETTER SUPER 10, FOR THE FIRST 15 YEARS FOR TRENDSETTER SUPER 15, AND FOR THE FIRST 20 YEARS FOR TRENDSETTER SUPER 20. GUARANTEED RENEWABLE TO AGE 95.* THE POLICY CAN NEVER BE CANCELED BY THE COMPANY (EXCEPT FOR NON-PAYMENT OF PREMIUMS, MISSTATEMENT OR FRAUD). ASSOCIATION MEMBERSHIP NOT REQUIRED. CONVERTIBLE - THE POLICY MAY BE CHANGED TO A LEVEL FACE AMOUNT WHOLE LIFE OR UNIVERSAL LIFE INSURANCE POLICY MADE AVAILABLE BY TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY AT THE TIME OF EXCHANGE. NO UNDERWRITING WILL BE REQUIRED IF THE EXCHANGE IS TO A PERMANENT POLICY WITH THE SAME OR LOWER FACE AMOUNT. EXCHANGE MUST BE MADE PRIOR TO THE INSURED’S 70TH BIRTHDAY (75TH BIRTHDAY FOR PREFERRED PLUS CLASS).* AN ACCELERATED DEATH BENEFIT RIDER IS INCLUDED WHICH ADVANCES A PORTION OF THE DEATH BENEFITS IF THE INSURED HAS BEEN DIAGNOSED WITH A TERMINAL ILLNESS. BENEFITS ARE PAYABLE UPON PROOF OF DEATH FROM ANY CAUSE, ANY PLACE IN THE WORLD, SUBJECT TO THE POLICY TERMS (SUICIDE EXCLUDED DURING THE FIRST TWO YEARS). ISSUED BY TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY; ONE OF THE LARGEST LIFE INSURANCE COMPANIES IN NORTH AMERICA, IN TERMS OF LIFE INSURANCE IN FORCE. FOR NEARLY A CENTURY, TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY HAS BEEN A LEADING PROVIDER OF INSURANCE AND INVESTMENT PRODUCTS FOR INDIVIDUALS AND COMPANIES. TRANSAMERICA OCCIDENTAL LIFE IS A MEMBER OF THE AEGON INSURANCE GROUP, ONE OF THE LEADING LIFE INSURANCE AND FINANCIAL SERVICES ORGANIZATIONS IN THE WORLD. YOUR SPOUSE MAY ALSO APPLY FOR COVERAGE. SPOUSES MAY SELECT ANY AMOUNT OF COVERAGE AND CAN APPLY EVEN IF YOU CHOOSE NOT TO APPLY.**