Transamerica Worksite Marketing offers a wide range of voluntary group benefits including life, health, and critical illness insurance, with options for guaranteed issue and simplified underwriting based on group size. Their products also encompass supplemental insurance for accidents, disability, dental, vision, and legal protection, alongside an electronic enrollment system for easy administration. Comprehensive coverage options are tailored to meet diverse employee needs and sustainable participation requirements for groups of varying sizes.

1. David A. Broitman Regional Vice President New York – New Jersey 917-620-6202 [email_address]

2. From Life to Health and everything in between. 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.

3. Universal Life TransLegacy SM - A universal life insurance policy Guaranteed Issue available down to 100 lives Conditional Guaranteed Issue available down to 50 lives Our highest death benefit per premium dollar Increased current credited interest rate up to 5.25% Choice of employee-only or employee and dependent coverage Riders available Automatic Face Amount Increase Accidental Death and Dismemberment Waiver of Monthly Deductions due to Layoff Waiver of Monthly Deductions for Total Disability 10 or 20 year Level Term Benefit Insurance Accelerated Death Benefit for Critical Care Condition with 25, 50, 75 and 100% options Accelerated Death Benefit for Long Term Care with Extension of Benefits (with paid-up life benefit) Accelerated Death Benefit for Terminal Illness Waiver of Premium Child Level Term Insurance

4. Group Term Life TAC$-Advantage ® - A group term life insurance policy Conditional Guaranteed Issue and Simplified Issue available. Guaranteed Issue considered with Underwriting approval for cases above 1,000 lives Choice of employee-only or employee and eligible dependent coverage Terminal Illness Accelerated Death Benefit Option Rider Coverage is continuable (state specific) Waiver of Premium Rider (included with TAC$-Advantage where approved ) Riders available Accelerated Death Benefit for Critical Care Condition up to 100% of life insurance Death Benefit amount Accidental Death and Dismemberment Rider Voluntary Group Term Life and Basic Group Term Life products are also available.

5. Integrated Product 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 TAC$-Advantage with Critical Illness Benefit & TransAccident with Accident and Sickness Disability Income Rider coverage is Guaranteed Issue TAC$-Advantage with Critical Illness Benefit Buy-Up Option is Conditional Guaranteed Issue Required participation for groups of 26 to 499 employees is the greater of 10% or 10 applications per group Groups of 25 or less, minimum participation is 5 applications

6. Critical Illness CriticalAssistance SM Plus - A group critical illness insurance policy Guaranteed Issue Availability Down to 100 Life Cases Fully Portable No Waiting Period Recurrence Benefit Competitive Premiums Employers can select up to two plan designs to offer. Each provides a lump sum benefit for certain critical illnesses and additional benefits. Categories Covers heart attack, stroke, heart transplant surgery, coronary bypass surgery, and angioplasty/stent. Covers major organ transplants (excluding heart) , end-stage renal failure, paralysis not due to stroke (all four limbs) , and burns. Covers invasive cancer, carcinoma in situ, prostate cancer with TNM classification of T1, skin cancer and cancer screening benefit. Covers an initial positive diagnosis of HIV that is contracted during the course of employment (available to the health care industry only) . The base plan includes Categories 1 and 2. Categories 3 and 4 are optional and employer selected, along with the Optional Benefit Riders. Optional Riders Quality of Life Benefit Cancer Screening Wellness Benefit

7. Cancer CancerSelect ® Plus - A group cancer-only insurance policy Provides benefits to help defer the direct medical and indirect nonmedical costs of cancer. Guaranteed Issue Availability Down to 100 Life Cases No Waiting Period Fully Portable Family Coverage Competitive Premiums 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. Benefits include Hospital Surgery Radiation and Chemotherapy Wellness and Miscellaneous Cancer Maintenance Therapy Riders available* First Occurrence Specified Disease Intensive Care * Not all riders available in all states .

8. Accident Initial Hospitalization for Injury Accident Emergency Treatment Accident Specific Sum Injuries Accident Hospital Income Additional Intensive Care Unit Accident Follow-up Treatment Ambulance Appliances Physical Therapy Prosthesis Transportation Family Lodging Accidental Death and Dismemberment Optional Benefits Off-the-Job Accident Disability Sickness Disability Wellness 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. Accident Specific Sum Injuries Accident Follow-up Treatment Accident Emergency Treatment Initial Hospitalization for Injury Accident Hospital Income Additional Intensive Care Unit Ambulance Appliances Physical Therapy Prosthesis Transportation Family Lodging Wellness Benefit Accidental Death Accidental Dismemberment Optional Benefits Off-the-Job Accident Disability Sickness Disability TransAccident: Policy Form Series CP200500 or TPGA0100. AccidentSelect I & II: Policy Form Series CP500100 or TPA0100.

9. Disability Income TransDI ® Plus - An enhanced short-term disability income insurance policy Enhanced Underwriting parameters including Guaranteed Issue and more liberal Conditional Guaranteed Issue Revamped SIC listing with more than 50% of all classifications moved to a more favorable rating New Preferred Option that pays a level commission for even more competitive pricing issued on a Guaranteed Issue basis New Benefit and Elimination Period Combinations Benefit Periods: 3, 6, 12 and 24 months Elimination Periods: 0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 and 180/180 Riders Available Survivor Benefit Accidental Death and Dismemberment Hospital Indemnity Limited Pre-Existing Conditions Benefit TransDI Plus: Policy Form Series CPDI0100

10. Hospital Indemnity TransChoice ® Plus - A group hospital indemnity insurance policy 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. Base Plan Benefits Daily In-Hospital Indemnity Benefit Group Term Life Insurance Policy with Accidental Death & Dismemberment Optional Benefits Outpatient Physician Office Visit Indemnity Outpatient Diagnostic X-Ray and Laboratory Indemnity Surgical and Anesthesia Indemnity In-Hospital and Surgical Additional Indemnity Off-the-Job Accidental Injury Prescription Drug Indemnity Wellness Indemnity Critical Illness Indemnity Benefit and Subsequent Critical Illness Indemnity Emergency Room Sickness Intensive Care Indemnity Daily Inpatient Drug and Alcohol Indemnity Daily Inpatient Mental and Nervous Indemnity Ambulance Indemnity Daily Skilled Nursing Benefit

11. TransChoice ® Plus - continued Additional Coverages (May be sold in conjunction with TransChoice Plus) Short Term Disability Income Insurance $400, $600, $800 monthly benefit not to exceed 60% of base salary Elimination Period - 7/7 or 14/14 and Benefit Period - 3 or 6 months Dental Non-Insurance Discount Programs Employee Discount Card (offered by New Benefits, Ltd.) PPO Network (offered by KBA ) Hospital Indemnity TransChoice Plus: Policy Form Series CPCH0200. Administration provided by Key Benefit Administrators, Fort Mill, South Carolina.

12. Out-of-Pocket Medical Expense Indemnity TransConnect ® - Group supplemental out-of-pocket medical expense indemnity insurance policy 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. Benefits include In-Hospital Benefit: $500 - $5,000 Outpatient Hospital Benefit: $250 - $2,500 Ambulance: $350 Coverage may be enhanced by adding the following Rider: Physician Office Outpatient Treatment: $15 per visit, 8 visits per person per year OR $25 per visit, 5 visits per person per year Routine Well Baby Care covered 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. TransConnect is available to eligible applicants, regardless of age. Applicants will enjoy Guaranteed Issue underwriting with no pre-existing conditions. Family coverage is available. TransConnect: Policy Form Series CP201200.

13. Dental TransSmile ® - A group dental insurance policy TransSmile is a flexible and convenient, voluntary group dental insurance policy to provide employees with benefits for common dental needs. Flexibility in Coinsurance, Annual Maximum Allowance, Deductibles and Waiting Periods World-Class Administration Maximum Roll Forward Benefit In- and Out-of-Network Options TransSmile has three types of service including Diagnostic and Preventative Benefits, Basic Restorative Benefits, Major Restorative Benefits and optional Orthodontics Benefits rider. The employer can select up to two plan design options for TransSmile to offer to employees. Each plan design has the following options: Coinsurance Options 0-100% of Available Maximum Allowance (increments of 5%) Available Maximum Allowance Options $500, $750, $1,000, $1,250, $1,500, $2,000, $2,500 Waiting Period Options 0, 3, 6, 12, 18 or 24 months Annual Deductible Options $0, $25, $50, $75, $100, $150, $200, or $1,000 lifetime deductible Number of Deductibles Options No Limit, Maximum 2 per Family or Maximum 3 per Family TransSmile: Policy Form Series CPDEN100 and CCDEN100. Administration provided by Omega Administrators, Inc., Sherwood, Ark.

14. Vision SightSelect ® - A vision care insurance policy Complete annual eye exam Lenses and frame, if required 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 Contact lenses are available in lieu of lenses and frame including four boxes of disposables Savings on PRK and LASIK laser eye surgery Employers can choose between two plans offering different co-payments and frequencies of service Spectera’s diverse network offers both private practice as well as leading retail chain providers with evening and weekend hours available 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. Legal Family Legal Protection Plan - A group legal expense program This is not an insurance policy. Members annually receive Free consultations – unlimited 1/2 hour consultations with plan attorneys each year via phone, in office or online Document reviews – up to three simple documents (six pages or less) reviewed by a plan attorney Simple or living wills – prepared or updated by a plan attorney Dispute resolution – letters or phone calls made by a plan attorney for up to three matters Members have unlimited access to user-friendly online resources Guaranteed reduced rates when legal representation is needed Flat fee services for bankruptcy, divorce, child/spousal support, traffic tickets and many others Plan discount of 25% on plan attorneys’ hourly rates Discounted contingency fees 24/7 Access to Web Resources on Legal Matters such as: Complete Online Member Legal Research Lawsuit/Litigation Procedural Guide Property Damage Disputes “ Better Benefits” Package (included at no cost) Identity Theft Protection Financial Counseling Benefits Financial Planning Benefits $14 Per Month Covers the Entire Family

16. Electronic Enrollment TransLink ® - An electronic enrollment system Take advantage of this tool and you will have time to focus on what you do best, selling voluntary benefits! Advantages include Jet policy issue and delivery. Consistency between payroll deductions and initial billing statements. Broker, enroller and employer level reporting to simplify enrollment management. Optional year-round, online billing.* Optional enrollment of all core and ancillary products offered to your group (yes … even products underwritten by other carriers!).* Accurate data that virtually eliminates post enrollment “clean up” Cost effective. This system is available to you at little or no cost! Enrollments taken via a remote laptop or self service and/or call center platform. Real-time web-based service with air cards is available. All of this can ultimately lead to commissions being paid quickly and accurately. Call our New Business Case Management at 800-400-3042, ext. 1111. TransLink is available for groups with 100 or more eligible employees and may not be available in all jurisdictions. * Available at additional cost.

17. Web Site www.transamericaworksite.com A useful streamlined look make that’s easy to navigate. Example features for registered producers MyTWM: your information at log in 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. 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. Service Forms: access PDFs to commonly used forms outside the ordering system. Reporting functions Production: See production as it is in your hierarchy Re-enrollment: Download in PDF or excel New business policy status: View policies from received to issued Missing Information: View items missing to issue policies Contracting and Licensing: View requirements and status by state. Producer FAQ: Answers to questions about how to do business with TWM. TransConnect and TransChoice Plus: links to auto-login to third-party administrator web sites.