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  • Our Vision | Transamerica
    three key drivers investment claims and capital Service That Exceeds Expectations Our commitment to quality service and ultimately our customers over the past century is something we are proud of We are creating a leading customer experience based on effective and efficient processes and systems to empower our people and in turn provide exceptional local customer service Closer Partner Relationships We have always valued our passionate and capable partners with whom we have long and stable relationships We aim to strengthen these trusted relationships to provide products that continue to meet our customers needs Operational Areas Of Focus We strive to be the best performing high net worth life insurer providing reliable and consistent performance Customers First We continue to be easy to do business with transparent and focus on creating tangible value It has always been our goal to help fulfill the insurance needs of our customers Process Efficiency We continue to enhance our customer experience by simplifying our processes without compromising quality and accuracy People We have a century of experience We will continue to retain and attract the very best talent in the industry in order to meet the needs and expectations of our market our peers

    Original URL path: http://www.transamerica.com.sg/about-us/our-vision (2012-12-22)
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  • Life Insurance Overview | Transamerica
    future of your family or business We offer a range of life insurance policies designed to meet your needs As your lifestyle evolves so will your needs By having a successful plan in place you ll be able to maintain your current lifestyle while preparing for your future income goals Term Life Insurance Term life insurance offers secure protection for a specific period and often can be converted into a permanent policy at a later date A term policy can be used to protect a home mortgage and other significant expenses for 10 20 or even 30 years Universal Life Insurance As one of the pioneers of Universal Life we have confidence in what we do If you re ready for the long term security of permanent life insurance protection Universal Life insurance might be the right choice for you Universal Life can build cash value over time that you can use to fund important expenses later in life With certain limits you can choose the premium you wish to pay This determines how the policy values develop For more information on our products please contact one of our representatives A Century Of Experience Our heritage set in stone Over

    Original URL path: http://www.transamerica.com.sg/strategy/life-insurance-overview (2012-12-22)
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  • Life Insurance Planning | Transamerica
    steps to be certain your home is protected against unforeseen circumstances Raising a Family Raising a child is one of the great joys and challenges of life And since it is impossible to predict the future it is incumbent upon you to make certain that your family is properly protected As a parent you ll have new financial responsibilities Begin by reviewing and estimating future expenses You may need to consider the costs of buying a new house or funding an education Now is also the time to re evaluate your insurance coverage A life insurance policy can be an important part of a family s safety net Whether you buy a permanent or term policy life insurance can help protect your family s future Make sure you have enough coverage There are several strategies for estimating the amount of protection needed including Income your insurance need is estimated to be six to eight times your gross annual income Income plus expenses your insurance need is based on five times your annual gross income plus your outstanding debts such as mortgages credit cards and loans Estate preservation and liquidity you calculate the insurance needed to cover expenses at the time of your passing and provide additional tax free income to your beneficiaries Also give careful thought when naming your beneficiaries Most insurance companies allow a primary and contingent beneficiary and it is advisable to name both Be sure to also review your investment retirement and estate plans periodically Educational Funding For many of us funding our children s education will be the greatest financial challenge we ever face besides purchasing our own home The costs of higher education continue to rise and the sooner you begin saving for it the better off you will be You will also have the luxury of choosing among a greater variety of investment and savings options Estate Planning If you want to ensure that the assets you ve worked so hard to accumulate are passed on to those you love you ll need to plan ahead The purpose of estate planning is to make sure loved ones receive their assets at the time and in the manner that you wish Below are some points to consider in overall planning for the transfer of your estate Family members who have special needs Protection from creditors Efficient asset distribution to family members Family business succession Charitable giving There are a number of products and strategies that can help to preserve your assets Proper estate planning can effectively match the right strategies to your individual goals And as you move through various stages of life you ll need to occasionally reassess your estate plans to ensure that they continue to meet your objectives Business Planning Key Person Life Insurance The death of a key employee or business owner who is also a key employee can have a disastrous effect on a business Some of the costs of such an event might include The financial cost in time

    Original URL path: http://www.transamerica.com.sg/strategy/life-insurance-planning (2012-12-22)
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  • Options to Consider | Transamerica
    both parents during these years This is when many families purchase term life insurance to provide protection until the children are grown If you need the security of permanent life insurance protection universal life may be the right choice for you Unlike term coverage universal life can build cash value over time that may be used to fund important expenses later in life Educational Funding In the event of your premature death the proceeds from a term insurance policy can help fund your children s or grandchildren s education A term life insurance policy can be used to protect the needs of your loved ones for 10 20 or even 30 years In addition to providing a death benefit permanent life insurance policies may develop cash value that can be withdrawn or borrowed against to help pay education costs Loans withdrawals and performance will affect the policy value and net cash value and may affect the death benefit Estate Planning For younger individuals and families term life insurance is especially useful to support loved ones and help with financial obligations if you die prematurely If you have young children this is the time when life insurance is most important It is appropriate to consider coverage for both parents during these years This is when many families purchase term life insurance to provide protection until the children are grown A universal life insurance policy can offer you the protection you re looking for in a permanent life insurance policy and the flexibility you need to adapt to a lifetime of changes Business Planning Key Person Life Insurance Business Planning Cross Purchase Agreements Life Insurance Policies Many business owners choose life insurance to protect themselves against the loss of a key employee Life insurance premiums are small compared to funds from other

    Original URL path: http://www.transamerica.com.sg/life-insurance-planning/options-consider (2012-12-22)
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  • How to buy Life Insurance | Transamerica
    now Transamerica Life Bermuda offers a range of insurance and wealth protection solutions To see how we can meet your needs please speak to one of our authorized representatives who can guide you through the following considerations Your need for life insurance The amount of life insurance you require The life insurance policy that best suits you Prepared to Transform Tomorrow In time with you With modern technology and the

    Original URL path: http://www.transamerica.com.sg/strategy/how-buy-life-insurance (2012-12-22)
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  • Life Insurance Needs Calculator | Transamerica
    the total amount of life insurance that you may need You should rerun this calculation each time you have a child or your life changes significantly 1 Financial Needs 2 Liquid Assets 3 Calculate Annual Household Expenses Estimate how much money your family will need annually to maintain their current standard of living Adjust this number up or down to account for things such as expenses that would increase or decrease in your absence such as insurance coverage Rate of Return Your hypothetical rate of return as expressed as decimal i e X 0 0X 1 Assumes 0 inflation Final Expenses Funeral or other expenses Outstanding Mortgage and Other Debt Children s Education Funding If you plan to send your children to university enter the estimated education expense for all children Other Expenses Enter any other expenses you may wish to cover such as emergencies cars for kids etc in today s dollar amount Next Savings Accounts and other Liquid Assets Add up the current balance of your regular savings accounts and other liquid assets Securities If you own any mutual fund shares and or any stock shares enter their value here Life Insurance If you have a life insurance policy with a cash value enter the amount of the cash value here Even if the total life insurance figure is zero you may want to consider life insurance for other financial planning needs Your Transamerica representative can explain other purposes for life insurance and other products that can help you achieve your goals All monetary values reflected on this page are in U S dollars 1 Assumes your hypothetical rate of return on a lump sum of capital Lifetime coverage of expenses may or may not be necessary depending on marital status age of spouse age of dependents and

    Original URL path: http://www.transamerica.com.sg/calculators/life-insurance-needs-calculator (2012-12-22)
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  • Term Premium Calculator | Transamerica
    qualify Please consult with a Transamerica authorized representative Term rates apply to Singapore residents only Your Information Your premium Here are your premium results The premiums listed are an estimated cost for the best two risk classes available for the amount of level term life insurance coverage you requested based on the information you provided The caclulation could not be completed using these input values please contact us To apply for term life insurance or request more information about our products please contact a Transamerica authorized representative and we will be happy to assist you NOTE Minimum face amount available for quote is 400 000 for nonsmokers and smokers If your needs are less than the minimum amounts contact your insurance professional Premiums illustrated show estimated class based on submitted criteria Your actual premiums will vary depending on your health history company determined underwriting status age height weight sex and coverage preferences Preferred Plus Nonsmoker Class is available for face amounts of 500 000 or more to a healthy nonsmoker subject to underwriting Preferred Smoker Class is available for face amounts of 400 000 or more to a healthy smoker subject to underwriting Premiums for other classes ages and face amounts for males and females may be higher or lower and are available upon request All values reflected on this page are in U S dollars Trendsetter Super 10 6 606 89 106 Trendsetter Super 20 6 604 89 106 and Trendsetter Super 30 6 634 89 106 are term life insurance policies issued by the Singapore Branch Office of Transamerica Life Bermuda Ltd incorporated in Hamilton Bermuda Premiums increase annually starting in year 11 for the Super 10 policy in year 21 for the Super 20 policy and in year 31 for the Super 30 policy Policy and form

    Original URL path: http://www.transamerica.com.sg/calculators/term-premium-calculator (2012-12-22)
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  • Universal Life Insurance | Transamerica
    other way A universal life insurance policy can offer the protection and cash value accumulation of a permanent life insurance policy to help support a more complex estate or business plan Universal life insurance gives you more flexibility over your policy That way it s easier for you to meet your financial goals Within certain limits you can choose the amount method and timing of your premium payments Flexibility of payments tax deferred cash value accumulation and coverage options subject to contract requirements are just some of the advantages of universal life insurance TransUltraSM Elite II This individual life insurance policy is useful in both personal and business planning Benefits payable on the death of the insured can provide funds for a spouse or other loved ones In addition these benefits can also be valuable in key person insurance or for buy sell agreements TransHorizon This policy is ideal for individuals looking for a flexible universal life policy It is designed to provide valuable death benefit protection while offering enhanced cash value accumulation For more information on our Universal Life portfolio please contact an authorized representative Defined by our Legacy of Excellence Heritage is our foundation Our mission has never

    Original URL path: http://www.transamerica.com.sg/products/universal-life-insurance (2012-12-22)
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