Cancer Select Plus SM Group Voluntary Cancer Insurance

Cancer. Select Plus. SM Group Voluntary Cancer Insurance Underwritten by Transamerica Life Insurance Company, Home Office, Cedar Rapids, Iowa 52499. Policy Form Series CPCI 0400 and CCI 00400.

Cancer. Select Plus. SM “Cancer strikes millions of people—one in two men, and one in three women. ” * While survival rates are high, the direct medical and indirect nonmedical costs of treatment are expensive. Non-medical costs include loss of income, living expenses, transportation, special diets, family care, and so on. In fact, out-of – pocket costs average $712 a month for employees. ** Employer sponsored health plans usually cover only the direct medical costs. *American Cancer Society. Cancer Facts & Figures 2011. Atlanta: American Cancer Society; 2011. ** Duke University Medical Center and Dana-Farber Cancer Institute, 2011. The study consisted of 216 patients, mostly breast cancer victims.

Cancer. Select Plus. SM Importance Group Voluntary Cancer Insurance at the workplace o Flexible plan o Conveniently payroll deductible o Provides eligible employees, spouses, and dependent children with benefits for costs associated with cancer o No physical exams or blood tests are required o Coverage is portable o Benefits are paid to employee in addition to other insurance

Cancer. Select Plus. SM Cancer. Select Plus pays benefits associated with: Medical benefits for hospital room, drugs and medicine, physician fees, anesthesia, surgery, radiation/chemotherapy, bone marrow and stem cell transplants, blood and plasma, prosthesis, physical therapy, hospice care and wellness and more. Non-medical benefits for transportation, family member lodging, outpatient lodging, and waiver of premiums.

Cancer. Select Plus. SM Plan Highlights: o Benefits are paid directly to the insured or whomever chosen. o Individual and family coverage is available. o No physical exams or blood tests are required. o The premiums will be waived after 60 days of disability due to cancer, for as long as you're disabled.

Cancer. Select Plus. SM Employer/Producer designs the Plan options (up to 2 options may be offered. ) Employer/Producer selects number of units for each of the 5 modules and number of units for each of the 3 optional riders.

Cancer. Select Plus. SM Benefit Modules Hospital Benefits (Module #1) 1 to 5 units Hospital Confinement: Pays $100 per unit per day for up to 90 days Extended Benefits: Beginning with the 91 st day of continuous confinement, pays $200 per unit per day Inpatient Drugs and Medicines: Pays $15 per unit per day for covered person Attending Physician (other than the surgeon): Pays $20 per unit per day during hospital confinement Private-duty Nurse: Pays $100 per unit per day during hospital confinement. Ambulance: Pays $100 per unit per continuous confinement for service This benefit is paid in addition to the outpatient surgery benefit

Cancer. Select Plus. SM Benefit Modules Hospital Benefits (Module #1) 1 to 5 units continued Extended Care Facility: Pays $100 per unit per day, up to the number of days of the hospital stay when admitted to the extended care facility within 14 days of hospital discharge Government or Charity Hospital: Pays $100 per unit per day —in lieu of all other benefits—for hospital treatment where the insured is not required to pay for most services. Hospice Care: Pays $100 per unit per day when confined in a hospice center or for hospice care at home by a hospice team

Cancer. Select Plus. SM Benefit Modules Surgery Benefits (Module #2) 1 to 5 units Surgery: Pays up to $1, 000 per unit for in-hospital surgery as scheduled in the certificate Anesthesia: Pays 25% of Surgery Benefit per unit as scheduled in the certificate Prosthesis: Pays actual charges* not to exceed $500 per unit for a prosthetic device and its implementation Hair Prosthesis: Pays actual expenses* of up to $50 per unit for wig or hair piece Reconstructive Surgery: Pays up to $250 per unit for reconstructive surgery within two years after cancer removal 2 nd Surgical Opinion: Pays $100 per unit for a second opinion

Cancer. Select Plus. SM Benefit Modules Surgery Benefits (Module #2) 1 to 5 units continued Ambulatory Surgical Center: Pays up to $150 per unit per day for surgery performed at an ambulatory surgical center or hospital as an outpatient. This benefit is paid in addition to the outpatient surgery benefit Outpatient Surgery: Pays up to $1, 500 per unit for outpatient surgery as scheduled in the certificate Skin Cancer: Pays $75 per unit per diagnosis for one removal of skin cancer; $35 per unit for each additional removal

Cancer. Select Plus. SM Benefit Modules Radiation/Chemotherapy Benefits (Module #3) 1 to 4 units Radiation and Chemotherapy: Pays actual charges* not to exceed $5, 000 per unit for radiation and chemotherapy treatments per 12 month period Associated Radiation and Chemotherapy Expenses: Pays $250 per unit per 12 month period for treatment consultation and planning, radiation management, physical exams, checkups, laboratory or diagnostic tests when authorized by a radiologist, chemotherapist, or oncologist Blood, Plasma, Platelets, Bone Marrow and Stem Cell Transplant: Pays actual charges* not to exceed $5, 000 per unit per 12 month period for bone marrow and stem cell transplants, blood, plasma, and blood components

Cancer. Select Plus. SM Benefit Modules Radiation/Chemotherapy Benefits (Module #3) 1 to 4 units continued Associated Blood, Plasma, and Platelets Expenses: Pays $250 per unit per 12 month period for treatment consultation and planning, administration of blood plasma and blood components; transfusions, processing and procurement, cross -matching, physical exams, checkups, and laboratory or diagnostic tests and authorized by the covered person’s physician New or Experimental Treatment: Pays actual charges* not to exceed $5, 000 per unit for experimental or investigational treatment

Cancer. Select Plus. SM Benefit Modules Wellness and Miscellaneous Benefits (Module #4) 1 to 3 units Wellness Benefit: Pays $50 per unit per calendar year for covered cancer screening tests Magnetic Resolution Imaging (MRI) Scans: In addition to Wellness Benefit, pays $50 per unit per calendar year for an MRI Scan when used as a diagnostic tool for breast cancer Non-Local Transportation: When prescribed treatment is not available locally and non-local hospital confinement is required, we will pay either the actual round-trip charges by a common carrier or a private vehicle allowance of $. 40 per mile for covered person and an adult, immediate family member Family Member Lodging: When non-local hospital confinement is required, we will pay lodging expenses for an adult member of the insured’s immediate family of $50 per unit per day Outpatient Lodging: Pays $50 per unit per day for a maximum of 50 days per 12 month period at a motel, hotel or other accommodations, provided treatment is authorized by the attending physician and cannot be obtained locally

Cancer. Select Plus. SM Benefit Modules Wellness and Miscellaneous Benefits (Module #4) 1 to 3 units continued Physical Therapy and Speech Therapy: Pays $25 per treatment (limited to one session per day) At Home Nursing: Pays $50 per unit per day, up to the number of days of the prior hospital confinement when admitted within 14 days of hospital discharge Waiver of Premium: We will waive each premium due during a period of total disability after 60 consecutive days of the insured employee’s total disability due to cancer

Cancer. Select Plus. SM Benefit Modules Cancer Maintenance Therapy Benefits (Module #5) 1 to 5 units Pays actual charges* not to exceed $1, 000 per unit per 12 month period for any combination of the below listed drug-related expenses: Cancer Suppressive Therapy: Benefits for treatment to keep cancer in check or after acute chemotherapy treatment Hematological Drugs: Benefits for drugs aimed to boost cell lines such as white blood cell counts, red blood cell counts, and platelets Anti-Nausea Drugs: Benefits for drugs used to reduce the symptoms brought about as a result of chemotherapy or radiation Motility Agents: Benefits for drugs used to improve motility or treat side effects caused by chemotherapy or radiation

Cancer. Select Plus. SM Employer Options First Occurrence Rider (1 to 10 units) Provides a lump-sum benefit of $1, 000 per unit when cancer is first positively diagnosed (not skin cancer) Specified Illness and Disease Rider (1 to 5 units) Pays Daily Hospital confinement of $100 per unit for up to 90 days and provides 12 specific additional per unit benefits for losses that are the direct result of 45 covered diseases Intensive Care Rider (1 to 10 units) ØDaily Benefit: Pays $100 per unit for each day of confinement in an intensive care unit ØStep-Down Unit: Pays one-half the Daily Benefit for progressive care, sub-acute care, and intermediate care in a step-down unit for any covered accident or sickness ØAmbulance: Pays actual charges by a licensed professional ambulance service, not to exceed $200 per unit period of intensive care confinement

Cancer. Select Plus. SM Issue Ages* Employee: 18 and up Spouse: 18 and up Dependent Children: Birth through 25 *18 through 64 in California. Tiers of Coverage Employee Only Employee + Child(ren) Employee + Spouse/Family

Cancer. Select Plus. SM Sample Plan Designs Cancer. Select Plus Benefits Plan 1 Plan 2 Daily Hospital $100 $200 Surgery $2000 $3000 Radiation/Chemotherapy* $5, 000 $20, 000 $100 $2, 000 N/A $1, 000 $13. 74 $16. 17 $25. 65 $18. 55 $21. 46 $34. 20 Wellness Cancer Maintenance Therapy First Occurrence Rider Monthly Premium Employee + Child(ren) Employee, Spouse, and Child(ren)

Cancer. Select Plus. SM Underwriting Guidelines Guarantee Issue Eligible Employees Participation Target Participation Minimum (full comp) (reduced comp) < 50 10 Apps NA 50 – 99 20% 15% 100 – 499 20% 15% 500 – 999 15% 1000 - 5000 15% 10%

Cancer. Select Plus. SM Underwriting Guidelines Eligible Employees Simplified Issue Eligible Employees Minimum Participation < 50 2 Apps 50 – 99 2 Apps 100 – 499 5 Apps 500 – 999 5 Apps 1000 - 5000 5 Apps Contact Home Office for groups with more than 5, 000 lives

Cancer. Select Plus. SM Why Sell Cancer. Select Plus? Guaranteed Issue o Availability Down To 100 lives o. Fully Portable o. Group Chassis for easy multistate enrollments o. Wellness up to $150 o. Radiation/Chemotherapy up to $20, 000 o. Non age/tobacco rates o. First Occurrence Benefit up to $10, 000 o. No Waiting Period Multi-Plan Options Available o Multi-Plan Options Available Within Groups o 3 Year Rate Guarantee Available o. LIVESTRONG affiliation offers stronger participation, comprehensive wellness benefits and valuable educational resources o

Cancer. Select Plus. SM Contact a Regional Vice President or a Client Relationship Manager at 866 -TRANSAMERICA or Visit our Transamerica Employee Benefits website www. transamericaemployeebenefits. com

Cancer. Select Plus. SM This is a brief summary of Cancer. Select Plus. SM Group Voluntary Cancer Insurance. Some of the features highlighted are subject to certain limitations and exclusions. Please refer to your policy and/or sales literature for costs and further details, including specific limitations and exclusions. Availability of benefits varies by jurisdiction. Refer to the contract for complete information.