Policy Form No. 1-305 11-199. May vary by jurisdiction.

Trendsetter® Super 15 (Policy Form Nos. 1-322 11-198, 1-326 11-198, 1-328 11-198, 1-330 11-198 and 1-334 11-198) is a term life insurance policy issued by Transamerica Occidental Life Insurance Company, Cedar Rapids, IA 52499. Premiums are guaranteed level for the first 15 years, then premiums increase annually starting in year 16. Policy form and number may vary, and this policy may not be available in all jurisdictions, Insurance eligibility and premiums are subject to underwriting. In most states, in the event of a suicide during the first two policy years, death benefits are limited only to the return of premiums paid. Suicide is no defense to payment of life insurance benefits nor is suicide while insane a defense to payment of accidental death benefits, if any, under this policy where the policy is issued to a Missouri citizen, unless the insurer can show that the insured intended suicide when s/he applied for the policy, regardless of any language to the contrary in the policy.