The document provides an overview of the MyPackSM voluntary benefit package. It includes: 1) Group term life insurance starting at $6 per week for $50,000, $30,000, or $15,000 of coverage depending on age, along with a living benefits rider paying up to 25% of the death benefit if diagnosed with certain critical illnesses. 2) An optional buy-up for additional group term life insurance and accidental death and dismemberment coverage. 3) An optional disability income rider paying $400, $600, or $800 per month for up to 6 months if disabled from an accident or sickness. The package is underwritten by Transamerica Life

1. MyPackSM
Voluntary Benefit Package
Isn’t It Great To Get Everything
You Want In One Package?
Underwritten by: Transamerica Life Insurance Company
MyPack – Consumer Brochure – CMP01C-A-0508
Available in all states as described except CT, FL, OR. Not available in NY or VT

2. A Benefit Package Greater than the Sum of it’s Parts!
Why would anyone buy a pocket-size knife, screwdrivers and corkscrew separately, when
you could save money with a multi-function pocket knife? We believe the same is true for
voluntary benefits. So we’ve created MyPackSM, a package of complementary voluntary
insurance products. What a great way for your employer to help accomplish the overall goal
of providing insurance benefits you find valuable!
Term Life Insurance...and then some
For just $6 per week you have access to our TAC$-Advantage® voluntary group term life insurance with benefits payable upon diagnosis of
certain critical illnesses while you are still living- all without having to show evidence of good health.
How it works
Simply complete the application provided, and based on your age, you will be eligible for $50,000, $30,000, or $15,000 in term life insur-
ance. Your premium will remain the same through age 64 regardless of your age when you apply. The table below outlines the face amounts
available for $6 per week. Once your coverage is issued, not only will you have the life insurance, but you will also have access to a portion
of your death benefit if you are diagnosed with a covered critical illness (heart attack, cancer, stroke, end-stage renal failure, or undergoing a
major organ transplant).
The benefit amount will be up to 25% of the total face amount of the life insurance and will reduce the death benefit by that amount. For
example, if your age is 35, $6 per week will buy $50,000 in term life, and you will have access to $12,500 in living benefits upon diagnosis of
one of the covered critical illnesses, leaving $37,500 death benefit intact. It is important to understand that using the living benefit will reduce
your face amount, but the remaining amount will still be available in the form of life insurance.
Diagnosis of Undergoing a
Issue Tac$Advantage Life
OR End Stage Major Organ
Ages Insurance Benefit Heart Attack Stroke Cancer
Renal Failure Transplant
18 - 39 $ 50,000 $ 12,500 $12,500 $12,500 $12,500 $12,500
40 - 49 $ 30,000 $ 7,500 $7,500 $7,500 $7,500 $7,500
50 - 64 $ 15,000 $ 3,750 $3,750 $3,750 $3,750 $3,750
If SOME is good, then MORE is better!
For just $3 per week more, and by answering a few simple health
questions, you are eligible to apply for additional coverage.
Issue Age Face Amount
18-39 $25,000
40-49 $15,000
50-64 $7,500
Group Term Life Insurance with Accelerated Death Benefit for Critical Care Rider and Group Accidental Death and Dismemberment Insurance with Disability
Income Riders are underwritten by Transamerica Life Insurance Company, Home Office, Cedar Rapids, Iowa. Policy form series CP100200 and
TPGA00200. Limitations and Exclusions apply. See complete policies and certificates for details. This is just a product overview. For more details, refer to the policy
approved in your state.

3. TransAccident® with Disability Income
Buy-Up Option
If you decide to take advantage of the TAC$-Advantage® voluntary The Disability Income coverage helps protect your paycheck for up
group term life insurance, you can take the next step to help protect to six months if you are disabled and unable to work due to an off
your family’s assets and your income. the job accident or sickness. The amount of coverage you select
will become payable after 14 consecutive days of disability. See
For an additional $4, $6, or $8 per week (your choice), you’ll have
the table below for the coverage that best fits your and your family’s
access to a package that has TransAccident® benefits along with
needs. The TransAccident with Disability Income Buy-Up Option
Disability Income coverage.
component of this product package is not available in ID, MN, MT,
The TransAccident coverage will pay a specified amount to your NV, PA and WA.
beneficiary if you die due to an accident or to you if you survive an
accident but are injured or dismembered as a result. This amount is
in addition to the term life coverage you elect.
$4.00 Weekly $6.00 Weekly $8.00 Weekly
Accidental Death / Dismemberment
Common carrier $21,000 $35,000 $56,000
Motor vehicle $15,000 $25,000 $40,000
All other $9,000 $15,000 $24,000
Disability Income Monthly Benefit $400 $600 $800
Accident and sickness coverage
14 / 14 day Elimination Period
6 months Benefit Period
Emergency Treatment per accident $100 $100 $150
Specific Sum for Injuries maximum $2,000 $2,000 $2,000
Follow-up Treatment per treatment $25 $25 $25
Ambulance per accident $45 $45 $45
Family Lodging per day $30 $30 $30
Transportation per trip $90 $90 $90
Appliances per accident $50 $50 $50
Physical Therapy per treatment $25 $25 $25
Prosthesis per accident $250 $250 $250
Hospital Confinement per day ---- $100 $100
This benefit package is just one of the ways your
employer continues to reward your hard work and
ensure that you have access to meaningful benefits.

4. Limitations and Exclusions
Group Accidental Death and Dismemberment Insurance (TCGA0200- Other Exclusions
AD&D) – TransAccident contains certain restrictions and exclusions, which Additionally, the TransAccident policy does not cover losses caused by, or
are detailed below (some may vary by state). It’s important that you fully as a result of, a covered person:
understand these restrictions and limitations and properly explain them to • Driving any taxi or intrastate or interstate long distance vehicle for
your clients. Doing so will avoid costly problems at claim time. wage, compensation, or profit;
Pre-Existing Condition Provision —Transamerica defines pre-existing • Mountaineering, parachuting, or hang gliding;
condition as a sickness, disease, or physical condition not disclosed on the • Voluntarily taking, administering, absorbing, or inhaling poison, gas,
application form or excluded from coverage by name or specific description or fumes;
for which: 4 Medical advice, consultation, or treatment was recommended
• Having a drug addiction or alcoholism;
or received from a physician, or 4 Symptoms existed that would cause an
• Participating in any sport or activity for wage, compensation or profit;
ordinarily prudent person to seek diagnosis, care, or treatment within 12
or racing any type of vehicle in an organized event;
months prior to the effective date of such person’s coverage. Disability or
hospitalization caused by a pre-existing condition will be covered after the • Traveling in or descending from any vehicle or device for aerial
earlier of: 4 Two years from the effective date of coverage, or 4 The end navigation, except as a fare paying passenger in an aircraft operated
of a continuous period of 12 months after the effective date of coverage, by a commercial airline (other than a charter airline) on a regularly
during which the insured received no medical advice or treatment for the scheduled passenger trip;
pre-existing condition. • Participating in any activity or event, including the operation of a
Group Term Life Insurance — We will not pay a death benefit if an vehicle, while under the influence of a controlled substance (unless
insured dies by suicide, while sane or insane (sane in Missouri), within administered by a physician or taken according to the physician’s
two years from the date his or her insurance starts. If the insured or the instructions) or committing an illegal act while intoxicated (as defined
insured’s spouse dies by suicide in that period, we will refund the premiums by the law of the jurisdiction in which the accident occurred);
paid for insurance. If a dependent child dies by suicide, we will refund the • Participating in, or attempting to participate in, an illegal activity that is
premiums paid for the dependent children’s insurance only if there are no defined as a felony (as defined by the law of the jurisdiction in which
surviving insured dependent children. If any death benefit is increased, this the activity occurred), whether charged or not;
suicide exclusion period starts anew, but will apply only to the amount of the • Intentionally self-inflicting bodily injury or attempting suicide, while
increase. sane or insane;
Accelerated Death Benefit Rider for Critical Care Condition • In the event of suicide, the Company’s liability may be limited to only
(CR100700-CCC) — We will not pay any accelerated death benefit under the return of premiums paid. In Missouri, suicide is no defense to
this rider for any critical care condition that is diagnosed for the first time, payment of benefits unless the Company can show the insured
during the waiting period. We will pay an accelerated death benefit only intended suicide when he/she applied/enrolled for coverage;
once for each covered insured. If a covered person asks for less than the • Incurring any loss while on active duty status in the armed forces (if
maximum amount available when a claim is submitted, he or she cannot the insured notifies Transamerica of such active duty, we will refund
ask us at a later time to give the difference between what he or she did ask any premiums paid for any period for which no coverage is provided
for and what he or she could have asked for. Concurrent and/or Subse- as a result of this exception).
quent Medical Conditions – If the covered insured suffers from more than
one medical condition, we will pay an accelerated death benefit under this
rider for only one of the conditions. Under no circumstances will we pay an
accelerated death benefit for any subsequent condition. We will not pay any
accelerated death benefit under this rider for: MyPackSM is underwritten by:
• Transient Ischemic Attacks (TIAs) and attacks of Vertebrobasilar Ischemia.
• Skin cancer other than malignant melanomas, all tumors that are histo- Transamerica Life Insurance Company
logically described as pre-malignant or are only showing early malignant Home Office: Cedar Rapids, Iowa
change, cancer in situ, and papillary cancer of the bladder. • Any other
surgical procedures not specifically mentioned in this rider. Not licensed in New York.
Administrative Office:
1400 Centerview Drive
Little Rock, AR 72211
(888) 763-7474