Presented by  Date
From Life to Health and everything in between.   <ul><li>Transamerica Worksite Marketing has risen to the challenge of tod...
Universal Life <ul><li>TransLegacy SM   - A universal life insurance policy </li></ul><ul><li>Guaranteed Issue available d...
Group Term Life <ul><li>TAC$-Advantage ®   - A group term life insurance policy </li></ul><ul><li>Conditional Guaranteed I...
Integrated Product <ul><li>myPack SM   -  A group term life Insurance with accelerated death benefit rider  for critical c...
Critical Illness <ul><li>CriticalAssistance SM  Plus   - A group critical illness insurance policy </li></ul><ul><ul><li>G...
Cancer <ul><li>CancerSelect ®   Plus   - A group cancer-only insurance policy </li></ul><ul><li>Provides benefits to help ...
Accident <ul><li>Initial Hospitalization for Injury </li></ul><ul><li>Accident Emergency Treatment </li></ul><ul><li>Accid...
Disability Income <ul><li>TransDI ®   Plus   - An enhanced short-term disability income insurance policy </li></ul><ul><li...
Hospital Indemnity <ul><li>TransChoice ®   Plus   -  A group hospital indemnity insurance policy </li></ul><ul><li>Provide...
<ul><li>TransChoice ®   Plus   - continued </li></ul><ul><li>Additional Coverages   (May be sold in conjunction with Trans...
Out-of-Pocket Medical  Expense Indemnity <ul><li>TransConnect ®   -  Group supplemental out-of-pocket medical expense  ind...
Dental <ul><li>TransSmile ®  -  A group dental insurance policy </li></ul><ul><li>TransSmile is a flexible and convenient,...
Vision <ul><li>SightSelect ®   -  A vision care insurance policy </li></ul><ul><ul><li>Complete annual eye exam </li></ul>...
Legal <ul><li>Family Legal Protection Plan   -  A group legal expense program </li></ul><ul><li>This is not an insurance p...
Electronic Enrollment <ul><li>TransLink ®   - An electronic enrollment system </li></ul><ul><li>Take advantage of this too...
Web Site <ul><li>www.transamericaworksite.com </li></ul><ul><li>A useful streamlined look make that’s easy to navigate. </...
 
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Transamerica Worksite Marketing

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Voluntary Benefits Portfolio

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Transamerica Worksite Marketing

  1. 1. Presented by Date
  2. 2. From Life to Health and everything in between. <ul><li>Transamerica Worksite Marketing has risen to the challenge of today’s demanding employee benefits marketplace. Through our underwriting companies, we offer a comprehensive voluntary group benefits portfolio. You now have the range and quality of life and health products needed to provide exceptional products and services to employees and their families. </li></ul>
  3. 3. Universal Life <ul><li>TransLegacy SM - A universal life insurance policy </li></ul><ul><li>Guaranteed Issue available down to 100 lives </li></ul><ul><li>Conditional Guaranteed Issue available down to 50 lives </li></ul><ul><li>Our highest death benefit per premium dollar </li></ul><ul><li>Increased current credited interest rate up to 5.25% </li></ul><ul><li>Choice of employee-only or employee and dependent coverage </li></ul><ul><li>Riders available </li></ul><ul><li>Automatic Face Amount Increase </li></ul><ul><li>Accidental Death and Dismemberment </li></ul><ul><li>Waiver of Monthly Deductions due to Layoff </li></ul><ul><li>Waiver of Monthly Deductions for Total Disability </li></ul><ul><li>10 or 20 year Level Term Benefit Insurance </li></ul><ul><li>Accelerated Death Benefit for Critical Care Condition with 25, 50, 75 and 100% options </li></ul><ul><li>Accelerated Death Benefit for Long Term Care with Extension of Benefits (with paid-up life benefit) </li></ul><ul><li>Accelerated Death Benefit for Terminal Illness </li></ul><ul><li>Waiver of Premium </li></ul><ul><li>Child Level Term Insurance </li></ul>
  4. 4. Group Term Life <ul><li>TAC$-Advantage ® - A group term life insurance policy </li></ul><ul><li>Conditional Guaranteed Issue and Simplified Issue available. Guaranteed Issue considered with Underwriting approval for cases above 1,000 lives </li></ul><ul><li>Choice of employee-only or employee and eligible dependent coverage </li></ul><ul><li>Terminal Illness Accelerated Death Benefit Option Rider </li></ul><ul><li>Coverage is continuable (state specific) </li></ul><ul><li>Waiver of Premium Rider (included with TAC$-Advantage where approved ) </li></ul><ul><li>Riders available </li></ul><ul><li>Accelerated Death Benefit for Critical Care Condition up to 100% of life insurance Death Benefit amount </li></ul><ul><li>Accidental Death and Dismemberment Rider </li></ul><ul><li>Voluntary Group Term Life and Basic Group Term Life products are also available. </li></ul>
  5. 5. Integrated Product <ul><li>myPack SM - A group term life Insurance with accelerated death benefit rider for critical care condition with group off-the-job accident insurance with off the job accident disability benefit rider and sickness disability benefit rider </li></ul><ul><ul><li>TAC$-Advantage with Critical Illness Benefit & TransAccident with Accident and Sickness Disability Income Rider coverage is Guaranteed Issue </li></ul></ul><ul><ul><li>TAC$-Advantage with Critical Illness Benefit Buy-Up Option is Conditional Guaranteed Issue </li></ul></ul><ul><ul><li>Required participation for groups of 26 to 499 employees is the greater of 10% or 10 applications per group </li></ul></ul><ul><ul><li>Groups of 25 or less, minimum participation is 5 applications </li></ul></ul>
  6. 6. Critical Illness <ul><li>CriticalAssistance SM Plus - A group critical illness insurance policy </li></ul><ul><ul><li>Guaranteed Issue Availability Down to 100 Life Cases </li></ul></ul><ul><ul><li>Fully Portable </li></ul></ul><ul><ul><li>No Waiting Period </li></ul></ul><ul><ul><li>Recurrence Benefit </li></ul></ul><ul><ul><li>Competitive Premiums </li></ul></ul><ul><li>Employers can select up to two plan designs to offer. Each provides a lump sum benefit for certain critical illnesses and additional benefits. </li></ul><ul><li>Categories </li></ul><ul><ul><li>Covers heart attack, stroke, heart transplant surgery, coronary bypass surgery, and angioplasty/stent. </li></ul></ul><ul><ul><li>Covers major organ transplants (excluding heart) , end-stage renal failure, paralysis not due to stroke (all four limbs) , and burns. </li></ul></ul><ul><ul><li>Covers invasive cancer, carcinoma in situ, prostate cancer with TNM classification of T1, skin cancer and cancer screening benefit. </li></ul></ul><ul><ul><li>Covers an initial positive diagnosis of HIV that is contracted during the course of employment (available to the health care industry only) . </li></ul></ul><ul><li>The base plan includes Categories 1 and 2. Categories 3 and 4 are optional and employer selected, along with the Optional Benefit Riders. </li></ul><ul><li>Optional Riders </li></ul><ul><ul><li>Quality of Life Benefit </li></ul></ul><ul><ul><li>Cancer Screening Wellness Benefit </li></ul></ul>
  7. 7. Cancer <ul><li>CancerSelect ® Plus - A group cancer-only insurance policy </li></ul><ul><li>Provides benefits to help defer the direct medical and indirect nonmedical costs of cancer. </li></ul><ul><ul><li>Guaranteed Issue Availability Down to 100 Life Cases </li></ul></ul><ul><ul><li>No Waiting Period </li></ul></ul><ul><ul><li>Fully Portable </li></ul></ul><ul><ul><li>Family Coverage </li></ul></ul><ul><ul><li>Competitive Premiums </li></ul></ul><ul><li>Employers can select up to two plan designs to offer. CancerSelect Plus, an optionally renewable policy, has 5 core modules. A unit value for each module may be selected by an employer. </li></ul><ul><li>Benefits include </li></ul><ul><ul><li>Hospital </li></ul></ul><ul><ul><li>Surgery </li></ul></ul><ul><ul><li>Radiation and Chemotherapy </li></ul></ul><ul><ul><li>Wellness and Miscellaneous </li></ul></ul><ul><ul><li>Cancer Maintenance Therapy </li></ul></ul><ul><li>Riders available* </li></ul><ul><ul><li>First Occurrence </li></ul></ul><ul><ul><li>Specified Disease </li></ul></ul><ul><ul><li>Intensive Care </li></ul></ul><ul><ul><li>* Not all riders available in all states </li></ul></ul><ul><li>. </li></ul>
  8. 8. Accident <ul><li>Initial Hospitalization for Injury </li></ul><ul><li>Accident Emergency Treatment </li></ul><ul><li>Accident Specific Sum Injuries </li></ul><ul><li>Accident Hospital Income </li></ul><ul><li>Additional Intensive Care Unit </li></ul><ul><li>Accident Follow-up Treatment </li></ul><ul><li>Ambulance </li></ul><ul><li>Appliances </li></ul><ul><li>Physical Therapy </li></ul><ul><li>Prosthesis </li></ul><ul><li>Transportation </li></ul><ul><li>Family Lodging </li></ul><ul><li>Accidental Death and Dismemberment </li></ul><ul><li>Optional Benefits </li></ul><ul><li>Off-the-Job Accident Disability </li></ul><ul><li>Sickness Disability </li></ul><ul><li>Wellness </li></ul>TransAccident ® - A group off-the-job accident insurance policy AccidentSelect ® I & II - An accident-only insurance policy Provide benefits to assist with costs associated with certain accidents. AccidentSelect II offers higher benefits per category. <ul><li>Accident Specific Sum Injuries </li></ul><ul><li>Accident Follow-up Treatment </li></ul><ul><li>Accident Emergency Treatment </li></ul><ul><li>Initial Hospitalization for Injury </li></ul><ul><li>Accident Hospital Income </li></ul><ul><li>Additional Intensive Care Unit </li></ul><ul><li>Ambulance </li></ul><ul><li>Appliances </li></ul><ul><li>Physical Therapy </li></ul><ul><li>Prosthesis </li></ul><ul><li>Transportation </li></ul><ul><li>Family Lodging </li></ul><ul><li>Wellness Benefit </li></ul><ul><li>Accidental Death </li></ul><ul><li>Accidental Dismemberment </li></ul><ul><li>Optional Benefits </li></ul><ul><li>Off-the-Job Accident Disability </li></ul><ul><li>Sickness Disability </li></ul>TransAccident: Policy Form Series CP200500 or TPGA0100. AccidentSelect I & II: Policy Form Series CP500100 or TPA0100.
  9. 9. Disability Income <ul><li>TransDI ® Plus - An enhanced short-term disability income insurance policy </li></ul><ul><li>Enhanced Underwriting parameters including Guaranteed Issue and more liberal Conditional Guaranteed Issue </li></ul><ul><li>Revamped SIC listing with more than 50% of all classifications moved to a more favorable rating </li></ul><ul><li>New Preferred Option that pays a level commission for even more competitive pricing issued on a Guaranteed Issue basis </li></ul><ul><li>New Benefit and Elimination Period Combinations </li></ul><ul><ul><ul><li>Benefit Periods: 3, 6, 12 and 24 months </li></ul></ul></ul><ul><ul><ul><li>Elimination Periods: 0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 and 180/180 </li></ul></ul></ul><ul><li>Riders Available </li></ul><ul><li>Survivor Benefit </li></ul><ul><li>Accidental Death and Dismemberment </li></ul><ul><li>Hospital Indemnity </li></ul><ul><li>Limited Pre-Existing Conditions Benefit </li></ul>TransDI Plus: Policy Form Series CPDI0100
  10. 10. Hospital Indemnity <ul><li>TransChoice ® Plus - A group hospital indemnity insurance policy </li></ul><ul><li>Provide hospital indemnity benefits to full-time or part-time employees, temporary coverage for new employees, employees who are not eligible for major medical and association members. </li></ul><ul><li>Base Plan Benefits </li></ul><ul><li>Daily In-Hospital Indemnity Benefit </li></ul><ul><li>Group Term Life Insurance Policy with Accidental Death & Dismemberment </li></ul><ul><li>Optional Benefits </li></ul><ul><li>Outpatient Physician Office Visit Indemnity </li></ul><ul><li>Outpatient Diagnostic X-Ray and Laboratory Indemnity </li></ul><ul><li>Surgical and Anesthesia Indemnity </li></ul><ul><li>In-Hospital and Surgical Additional Indemnity </li></ul><ul><li>Off-the-Job Accidental Injury </li></ul><ul><li>Prescription Drug Indemnity </li></ul><ul><li>Wellness Indemnity </li></ul><ul><li>Critical Illness Indemnity Benefit and Subsequent Critical Illness Indemnity </li></ul><ul><li>Emergency Room Sickness </li></ul><ul><li>Intensive Care Indemnity </li></ul><ul><li>Daily Inpatient Drug and Alcohol Indemnity </li></ul><ul><li>Daily Inpatient Mental and Nervous Indemnity </li></ul><ul><li>Ambulance Indemnity </li></ul><ul><li>Daily Skilled Nursing Benefit </li></ul>
  11. 11. <ul><li>TransChoice ® Plus - continued </li></ul><ul><li>Additional Coverages (May be sold in conjunction with TransChoice Plus) </li></ul><ul><li>Short Term Disability Income Insurance </li></ul><ul><ul><li>$400, $600, $800 monthly benefit not to exceed 60% of base salary </li></ul></ul><ul><ul><li>Elimination Period - 7/7 or 14/14 and Benefit Period - 3 or 6 months </li></ul></ul><ul><li>Dental </li></ul><ul><li>Non-Insurance Discount Programs </li></ul><ul><li>Employee Discount Card (offered by New Benefits, Ltd.) </li></ul><ul><li>PPO Network (offered by KBA ) </li></ul>Hospital Indemnity TransChoice Plus: Policy Form Series CPCH0200. Administration provided by Key Benefit Administrators, Fort Mill, South Carolina.
  12. 12. Out-of-Pocket Medical Expense Indemnity <ul><li>TransConnect ® - Group supplemental out-of-pocket medical expense indemnity insurance policy </li></ul><ul><li>TransConnect has been specifically designed to pay an indemnity benefit for out-of-pocket expenses of deductibles, co-insurance and co-pays from serious illnesses charged by the insured group’s comprehensive medical plan. </li></ul><ul><li>Benefits include </li></ul><ul><ul><li>In-Hospital Benefit: $500 - $5,000 </li></ul></ul><ul><ul><li>Outpatient Hospital Benefit: $250 - $2,500 </li></ul></ul><ul><ul><li>Ambulance: $350 </li></ul></ul><ul><li>Coverage may be enhanced by adding the following Rider: </li></ul><ul><ul><li>Physician Office Outpatient Treatment: $15 per visit, 8 visits per person per year OR $25 per visit, 5 visits per person per year </li></ul></ul><ul><ul><li>Routine Well Baby Care covered </li></ul></ul><ul><li>For benefits to be payable, an insured person must be covered by a basic, major medical or comprehensive plan at the time charges are incurred and the other medical plan must provide benefits for the covered charges. </li></ul><ul><li>TransConnect is available to eligible applicants, regardless of age. </li></ul><ul><li>Applicants will enjoy Guaranteed Issue underwriting with no pre-existing conditions. Family coverage is available. </li></ul><ul><li>TransConnect: Policy Form Series CP201200. </li></ul>
  13. 13. Dental <ul><li>TransSmile ® - A group dental insurance policy </li></ul><ul><li>TransSmile is a flexible and convenient, voluntary group dental insurance policy to provide employees with benefits for common dental needs. </li></ul><ul><ul><li>Flexibility in Coinsurance, Annual Maximum Allowance, Deductibles and Waiting Periods </li></ul></ul><ul><ul><li>World-Class Administration </li></ul></ul><ul><ul><li>Maximum Roll Forward Benefit </li></ul></ul><ul><ul><li>In- and Out-of-Network Options </li></ul></ul><ul><li>TransSmile has three types of service including Diagnostic and Preventative Benefits, Basic Restorative Benefits, Major Restorative Benefits and optional Orthodontics Benefits rider. </li></ul><ul><li>The employer can select up to two plan design options for TransSmile to offer to employees. Each plan design has the following options: </li></ul><ul><ul><li>Coinsurance Options </li></ul></ul><ul><ul><ul><li>0-100% of Available Maximum Allowance (increments of 5%) </li></ul></ul></ul><ul><ul><li>Available Maximum Allowance Options </li></ul></ul><ul><ul><ul><li>$500, $750, $1,000, $1,250, $1,500, $2,000, $2,500 </li></ul></ul></ul><ul><ul><li>Waiting Period Options </li></ul></ul><ul><ul><ul><li>0, 3, 6, 12, 18 or 24 months </li></ul></ul></ul><ul><ul><li>Annual Deductible Options </li></ul></ul><ul><ul><ul><li>$0, $25, $50, $75, $100, $150, $200, or $1,000 lifetime deductible </li></ul></ul></ul><ul><ul><li>Number of Deductibles Options </li></ul></ul><ul><ul><ul><li>No Limit, Maximum 2 per Family or Maximum 3 per Family </li></ul></ul></ul>TransSmile: Policy Form Series CPDEN100 and CCDEN100. Administration provided by Omega Administrators, Inc., Sherwood, Ark.
  14. 14. Vision <ul><li>SightSelect ® - A vision care insurance policy </li></ul><ul><ul><li>Complete annual eye exam </li></ul></ul><ul><ul><li>Lenses and frame, if required </li></ul></ul><ul><ul><li>Dual-choice frame benefit: participants can choose one of the frames on display at the provider location, or apply the frame allowance to any frame on the market </li></ul></ul><ul><ul><li>Contact lenses are available in lieu of lenses and frame </li></ul></ul><ul><ul><ul><li>including four boxes of disposables </li></ul></ul></ul><ul><ul><li>Savings on PRK and LASIK laser eye surgery </li></ul></ul><ul><ul><li>Employers can choose between two plans offering different co-payments and frequencies of service </li></ul></ul><ul><ul><li>Spectera’s diverse network offers both private practice as well as leading retail chain providers with evening and weekend hours available </li></ul></ul>SightSelect: Policy Form Series UHIC VisPol (04/02). Spectera, Inc. administers vision benefits underwritten by the following entities: United HealthCare Insurance Company, United HealthCare Insurance Company of New York and Unimerica Insurance Company, Inc.
  15. 15. Legal <ul><li>Family Legal Protection Plan - A group legal expense program </li></ul><ul><li>This is not an insurance policy. </li></ul><ul><li>Members annually receive </li></ul><ul><li>Free consultations – unlimited 1/2 hour consultations with plan attorneys each year via phone, in office or online </li></ul><ul><li>Document reviews – up to three simple documents (six pages or less) reviewed by a plan attorney </li></ul><ul><li>Simple or living wills – prepared or updated by a plan attorney </li></ul><ul><li>Dispute resolution – letters or phone calls made by a plan attorney for up to three matters </li></ul><ul><li>Members have unlimited access to user-friendly online resources </li></ul><ul><li>Guaranteed reduced rates when legal representation is needed </li></ul><ul><li>Flat fee services for bankruptcy, divorce, child/spousal support, traffic tickets and many others </li></ul><ul><li>Plan discount of 25% on plan attorneys’ hourly rates </li></ul><ul><li>Discounted contingency fees </li></ul><ul><li>24/7 Access to Web Resources on Legal Matters such as: </li></ul><ul><li>Complete Online Member Legal Research </li></ul><ul><li>Lawsuit/Litigation Procedural Guide </li></ul><ul><li>Property Damage Disputes </li></ul><ul><li>“ Better Benefits” Package (included at no cost) </li></ul><ul><li>Identity Theft Protection </li></ul><ul><li>Financial Counseling Benefits </li></ul><ul><li>Financial Planning Benefits </li></ul><ul><li>$14 Per Month Covers the Entire Family </li></ul>
  16. 16. Electronic Enrollment <ul><li>TransLink ® - An electronic enrollment system </li></ul><ul><li>Take advantage of this tool and you will have time to focus on what you do best, selling voluntary benefits! </li></ul><ul><li>Advantages include </li></ul><ul><li>Jet policy issue and delivery. </li></ul><ul><li>Consistency between payroll deductions and initial billing statements. </li></ul><ul><li>Broker, enroller and employer level reporting to simplify enrollment management. </li></ul><ul><li>Optional year-round, online billing.* </li></ul><ul><li>Optional enrollment of all core and ancillary products offered to your group (yes … even products underwritten by other carriers!).* </li></ul><ul><li>Accurate data that virtually eliminates post enrollment “clean up” </li></ul><ul><li>Cost effective. This system is available to you at little or no cost! </li></ul><ul><li>Enrollments taken via a remote laptop or self service and/or call center platform. Real-time web-based service with air cards is available. </li></ul><ul><li>All of this can ultimately lead to commissions being paid quickly and accurately. </li></ul><ul><li>Call our New Business Case Management at 800-400-3042, ext. 1111. </li></ul><ul><li>TransLink is available for groups with 100 or more eligible employees and may not be available in all jurisdictions. </li></ul><ul><li>* Available at additional cost. </li></ul>
  17. 17. Web Site <ul><li>www.transamericaworksite.com </li></ul><ul><li>A useful streamlined look make that’s easy to navigate. </li></ul><ul><li>Example features for registered producers </li></ul><ul><li>MyTWM: your information at log in </li></ul><ul><li>Order Materials: answer a series of questions and an ordering wizard locates the appropriate forms to add to your shopping cart for check out. Identify the quantity and choose one, or multiple, shipping addresses. </li></ul><ul><li>Forms by State: If necessary form is known, pick a state, pick a product, add the forms to the shopping cart and check out. After check out, identify the quantity and choose one, or multiple, shipping addresses. </li></ul><ul><li>Service Forms: access PDFs to commonly used forms outside the ordering system. </li></ul><ul><li>Reporting functions </li></ul><ul><ul><li>Production: See production as it is in your hierarchy </li></ul></ul><ul><ul><li>Re-enrollment: Download in PDF or excel </li></ul></ul><ul><ul><li>New business policy status: View policies from received to issued </li></ul></ul><ul><ul><li>Missing Information: View items missing to issue policies </li></ul></ul><ul><li>Contracting and Licensing: View requirements and status by state. </li></ul><ul><li>Producer FAQ: Answers to questions about how to do business with TWM. </li></ul><ul><li>TransConnect and TransChoice Plus: links to auto-login to third-party administrator web sites. </li></ul>

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