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The Value of Living Benefits
While a devastating illness or injury can have serious financial impacts, term life insurance with living benefits can help.

The Trendsetter® LB from Transamerica gives clients access to cash when they need it most–to help care for chronic, critical, or terminal illnesses, or to use as a traditional death benefit.

With the Trendsetter LB, you can help provide clients the coverage they need at a more reasonable cost than they might expect. Use the following sales ideas to help grow your business.

One-in-five Americans live with disabilities.1

What’s more, 60% of working Americans report that they would suffer financial hardship if they were unable to work for six months.2

Get started with these sales ideas:
Young families concerned with protecting their loved ones can benefit from this product.
Small business owners looking for cost-effective ways to retain and reward their employees can use the Trendsetter LB as part of an executive bonus.
Trendsetter premium rates are favorable for clients ages 45 and under, Standard and Preferred Tobacco classes, and those wanting lower face amounts.
Additional coverage without the need for additional non-med underwriting makes the Trendsetter LB great for lead generation.
Check out these marketing materials to help you sell:
Trendsetter LB Consumer Brochure
Trendsetter Agent Guide
Contact your Transamerica sales team today.




1 “The Facts about Social Security’s Disability Program. March 2016. www.socialsecurity.gov/disabilityfacts

2 Consumer Federation of America and Unum “Small employers recognize need for long term disability insurance (LTD) but many not sure of its cost, benefits and employee’ views”, June 2015

Trendsetter® LB is a term life insurance policy, Policy Forms ICC15 TL21 REV, TL21 REV or TL19 CA issued by Transamerica Life Insurance Company, Cedar Rapids, IA. Premiums increase annually beginning in year 11 for the 10-year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy.

Policy form and number may vary, and this policy and the riders may not be available in all jurisdictions. Not available in New York. Insurance eligibility and premiums are subject to underwriting.



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