You’ve always done your best to provide for, and protect, your family???s financial security. But life has a funny way of
coming up with unexpected situations to surprise you.

Recent studies show that nearly half of all Americans suffer from at least one chronic illness, and many of these people
have one or more daily activity limitations.

Chronic diseases???such as heart disease, stroke, cancer, diabetes, and arthritis???are among the most common and
costly of all health problems in the U.S., and are also the leading causes of death and disability.

You may not have considered it until now, but more and more Americans are learning that certain types of life insurance
can play an important role in protecting their family???s financial future when an unexpected chronic, critical or terminal
illness happens.

Term life insurance is one of the most important things you can put in place to provide financial protection for your
family if you were to pass away unexpectedly. But did you know that Trendsetter?? LB term life insurance from
Transamerica Life Insurance Company also gives you the ability to get cash to pay your bills should you become
stricken with a chronic, critical or terminal illness???even if you already have health insurance or Medicare coverage?

If you are diagnosed with a chronic, critical or terminal illness, a Trendsetter LB term
life insurance policy allows you to accelerate a portion of your policy face amount to
Pay for care or treatment that may not be covered by your health insurance plan
Replace income lost as a result of your illness
Provide for in-home care or facility needs

And, any death benefit value not used as a living benefit will go to your loved ones??after your death.