Understanding The Transamerica Opportunity Program (TOP)

1. The products currently available that may be applied for are Trendsetter Super 15 and Trendsetter Super 25.
2. The previously issued term life policy being “topped”:
   • Must have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible.
   • Must have been issued Preferred (including Preferred Plus or similar) or Standard (including Standard Plus or similar). Smoker classes are acceptable; however, Substandard rated policies are not eligible for the program.
   • Must have had a face amount of $100,000 or more.
   • Must be from a specifically identified qualifying carrier, which includes Transamerica Life and Transamerica Financial Life.
   • Must have been issued within a five-year rolling period, which is defined as the duration of time between the policy date of the previously issued policy (as shown on the face page) and the date of the new Trendsetter application.
3. Qualifying issue ages (age nearest birthday): 18 to 60.
4. Face Amounts—Maximum amount of new coverage is dependent on the rolling period:
   

   Period from Previous Policy Issue Date	Maximum Face Amount
   One Year (Rolling Date)	$1,000,000
   Three Years (Rolling Date)	$750,000
   Five Years (Rolling Date)	$500,000

   Multiple policies adding up to the designated maximum face amount may be issued under the program; however, new coverage under the TOP program may never amount to more than $1,000,000 in total per individual life per lifetime. Coverage maximums are limited to normal Company maximum retention.

5. Qualifying Risk Classes—Applicants may qualify for one of the following risk classes, based on the classification of their previously issued policy and Underwriter’s approval: Preferred Nonsmoker, Standard Nonsmoker, Preferred Smoker, and Standard Smoker. Preferred Plus and Standard Plus classes are not available on new coverage under the program.
6. The program is not guaranteed issue. Additional evidence may be requested if the Underwriter determines it is necessary.
7. Maximum Company retention on one life is not to exceed $5 million. Applications that would require us to exceed our maximum retention will require full new business evidence.
8. The program is designed as additive coverage, not as replacement. It does not require any assignment or termination, nor does it alter the face amount and conversion option of the previously issued policy.
9. Normal Trendsetter product parameters and conditions apply.

Modified New Business Requirements

1. Application for Trendsetter policy form.
2. Authorization to Obtain Information (MIB).
3. Nonmedical.
4. Copy of the previously issued term policy face page, and any additional policy data pages required to show name of insured, date of issue, face amount, and risk class. If using a Transamerica policy, the policy number (noted in the remarks or cover letter) can be used instead of copied policy pages.
5. Any additional signed state-specific authorizations and disclosures required to transact new business.