Product GuideBase Commission Target Rates (per $1,000)FemaleFemaleIssue AgeJuvenile Tobacco Non-TobaccoIssue AgeJuvenile Tobacco Non-Tobacco0 3.50 43 13.97 13.051 3.59 44 14.85 13.792 3.67 45 15.75 14.563 3.77 46 16.59 15.144 3.87 47 17.56 15.845 3.98 48 18.39 16.416 4.10 49 19.36 17.127 4.21 50 20.74 18.178 4.22 51 21.73 18.909 4.22 52 22.96 20.0010 4.22 53 24.56 21.1611 4.22 54 25.81 22.2812 4.22 55 27.56 23.4713 4.36 56 29.50 25.1614 4.49 57 31.98 26.8115 4.62 58 33.86 28.1516 4.69 59 34.95 28.6917 4.88 60 37.30 30.6418 5.06 4.80 61 39.97 32.9919 5.13 4.86 62 42.56 35.4020 5.19 4.93 63 45.14 37.8021 5.30 5.04 64 47.72 40.1922 5.39 5.13 65 50.30 42.6023 5.50 5.24 66 52.89 44.5724 5.72 5.32 67 55.47 46.5425 5.83 5.43 68 58.06 48.5126 6.07 5.68 69 60.64 50.4927 6.31 5.92 70 63.22 52.4628 6.67 6.14 71 65.80 54.4329 6.91 6.51 72 68.39 56.4030 7.15 6.75 73 70.00 58.3831 7.44 7.04 74 70.00 60.3532 7.83 7.44 75 70.00 62.3233 8.12 7.72 76 70.00 65.1534 8.51 7.99 77 70.00 67.9835 8.80 8.40 78 70.00 70.0036 9.31 8.78 79 70.00 70.0037 9.86 9.20 80 70.00 70.0038 10.23 9.70 81 70.00 70.0039 10.76 10.10 82 70.00 70.0040 11.29 10.63 83 70.00 70.0041 12.17 11.37 84 70.00 70.0042 13.09 12.17 85 70.00 70.00t r a n s a m e r i c a | 23
Important InformationThe Freedom Global <strong>IUL</strong> II (Policy Form #<strong>IUL</strong>05) and the Freedom Index Universal Life II (Policy Form #<strong>IUL</strong>04) are indexuniversal life insurance policies issued by Transamerica Life Insurance Company. Policy form and number may vary,and this product may not be available in all jurisdictions.Even though the interest credited to the policy’s Index Accounts may be affected by the index(es), these life insurancepolicies are not an investment in the stock market(s) or the index(es) and do not participate in any stock orinvestments.The policies are subject to the insurance laws and regulations of each state or jurisdiction in which they are availablefor distribution. All state specific policy features will be described in the policies.Information About Federal Tax LawsIn this guide, references to the IRC mean the IRC of 1986, as amended. IRC Sections 7702 and 7702A are discussed ina limited fashion. Transamerica Life Insurance Company and its representatives do not give tax advice, nor should anyinformation contained herein be construed as tax advice.This material was not intended or written to be used, and cannot be used, to avoid penalties imposed under theInternal Revenue Code. This information was written to support the promotion or marketing of the products, services,and/or concepts addressed in this material. Anyone to whom the product described in this material is promoted,marketed, or recommended should be urged to consult with and rely solely on their own independent advisorsregarding their particular situation and the concepts presented here.<strong>IUL</strong> satisfies the definition of a life insurance contract using either the Guideline Premium Test method or the CashValue Accumulation Test method under IRC Section 7702/7702A.The Guideline Premium Test (GPT) places limits on the amount of premiums that can be paid. The initial limit is theGuideline Single Premium, until a number of policy years have passed and the sum of the Guideline Level Premiumsexceeds the Guideline Single Premium. The GPT method also requires that a certain margin be maintained betweenthe death benefit and the accumulation value until attained age 95 of the insured. Without this prescribed margin,the contract would no longer qualify as a life insurance contract for federal income tax purposes. To comply with therequirements of IRC Section 7702, the GPT version uses the Death Benefit Factors prescribed in the IRC Section 7702to maintain the required margin between the accumulation value and the death benefit. Therefore, as needed, thedeath benefit is increased, causing the death benefit to go into “corridor” to maintain the policy’s qualification as lifeinsurance. When a policy is in corridor, it may result in a larger amount at risk and larger monthly deductions, whichleads to lower cash value accumulation.The Cash Value Accumulation Test (CVAT) requires that a certain margin be maintained between the death benefitand the accumulation value for all years. Without this prescribed margin, the contract would no longer qualify as a lifeinsurance contract for federal income tax purposes. To comply with the requirements of IRC Section 7702, the CVATversion uses the Death Benefit Factors calculated as prescribed in the IRC Section 7702 to maintain the required marginbetween the accumulation value and the death benefit. Therefore, as needed, the death benefit is increased, causing thedeath benefit to go into “corridor” to maintain the policy’s qualification as life insurance. When a policy is in corridor, itmay result in a larger amount at risk and larger monthly deductions, which leads to lower cash value accumulation.Policy Form #’s: <strong>IUL</strong>04 & <strong>IUL</strong>05, Base Insured Rider: BIR07, Additional Insured Rider: AIR13, Children’s Benefit Rider:CR01 0305, Disability Waiver of Monthly Deductions Rider: WMD01 0305, Disability Waiver of Premium Rider: WPR020305, Accidental Death Benefit Rider: ADR01 0305, Guaranteed Insurability Benefit Rider: GIR02 1006, Terminal IllnessAccelerated Death Benefit Rider: TI01 0305.Not available in New York.Index Universal Life Insurance offered by:Transamerica Life Insurance CompanyHome Office Address:4333 Edgewood Rd. NECedar Rapids, Iowa 52499For producer use only. Not for distribution to the public. OL 2923 0811
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