TEB Disclosures

Accident Insurance

This is a brief summary of AccidentAdvance ^®, Accident Insurance underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, Iowa. TLIC is not an authorized insurer in New York. Policy form series CPACC100 or CCACC100. Forms and numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

We will not pay benefits for an insured person's Accident that is caused by or occurs as a result of one of the following events:

1. Driving any taxi for wage, compensation, or profit;

2. Mountaineering, parachuting, or hang gliding;

3. Voluntarily taking, administering, absorbing, or inhaling poison, gas, or fumes;

4. Alcoholism or drug addiction;

5. Participating in any sport or sporting activity for wage, compensation, profit, or racing any type vehicle in an organized event;

6. Traveling in or descending from any vehicle or device for aerial navigation, except as a fare paying passenger in an aircraft operated by a commercial airline (other than a charter airline) on a regularly scheduled passenger trip;

7. War, or any act of war, whether declared or undeclared;

8. Participating in any activity or event, including the operation of a vehicle, while intoxicated or under the influence according to the laws of the jurisdiction in which the Accident occurred;

9. Participating in a riot, civil commotion, civil disobedience, or unlawful assembly;

10. Committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation;

11. Intentionally self-inflicting a bodily injury or attempting suicide, while sane or insane;

12. Any loss incurred while on active-duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception;

13. Injuries that occur in the workplace or during the course of any employment for pay, benefit, or profit.

This is a brief summary of AccidentAdvance®, Accident Insurance underwritten by Transamerica Financial Life Insurance Company, Harrison, NY. Policy form series FPIACC00-0115 and FPIACC00-0115. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

EXCLUSIONS AND LIMITATIONS

We will not pay benefits for an insured person’s accident that is caused by or occurs as a result of one of the following events:

1. Alcoholism or drug addiction;

2. Descending from an airplane, except as a fare paying passenger on a scheduled or charter flight operated by a scheduled airline;

3. Intoxicants and Narcotics: We are not liable for any loss sustained or contracted in the consequence of an insured person being intoxicated or under the influence of any narcotic unless administered on the advice of a physician;

4. Participating in a felony, riot or insurrection;

5. Commission of or attempt to commit a felony or to which the contributing cause was the insured’s being engaged in an illegal occupation;

6. Intentionally self-inflicting a bodily injury or attempting suicide, while sane or insane;

7. Any loss incurred while on active-duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception;

8. Injuries that occur in the workplace or during the course of any employment for pay, benefit, or profit.

This is a brief summary of Transamerica Accident Insurance^SM AC11, underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, Iowa. TLIC is not an authorized insurer in New York. Policy form series TMAC1100-1220 or TCAC1100-1220. Forms and numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

We will not pay benefits for any accident that is caused by or occurs as a result of any of the following:

1. Driving any taxi (including ride share programs such as Uber and Lyft) for wage, compensation, or profit;

2. Mountaineering, parachuting, or hang gliding;

3. Voluntarily taking, administering, absorbing, or inhaling poison, gas, or fumes;

4. Alcoholism or drug addiction;

5. Participating in any sport or sporting activity for wage, compensation, profit, or racing any type of vehicle in an organized event;

6. Traveling in or descending from any vehicle or device for aerial navigation, unless as a fare paying passenger on a scheduled or a charter flight operated by a scheduled airline;

7. War, or any act of war, whether declared or undeclared;

8. Participating in any activity or event, including the operation of a vehicle, while intoxicated or under the influence according to the laws of the jurisdiction in which the accident occurred;

9. Actively participating in a riot, civil commotion, civil disobedience, or unlawful assembly;

10. Committing, attempting to commit, or voluntarily taking part in a felony or assault, or engaging in an illegal occupation;

11. Intentionally self-inflicting a bodily injury or attempting suicide, while sane or insane;

12. Any loss incurred while on active-duty status in the armed forces. If you notify us of such active duty, we will refund any premiums paid for any period for which no insurance is provided as a result of this exception.

Cancer Insurance

This is a brief summary of CancerSelect® Plus, cancer-only insurance, underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, Iowa. TLIC is not an authorized insurer in New York. Policy form series CPCAN200 and CCCAN200. Forms and numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

This Certificate provides benefits only for Cancer as defined herein, which is Positively Diagnosed while this Certificate is in force. It does not provide benefits for any other illness or disease.

1. We may reduce or deny a claim or void the Certificate for loss incurred by an insured person: a) During the first 2 years from the Effective Date of such insurance for any misstatements in the Application which would have materially affected our acceptance of the risk; or B) At any time for fraudulent misstatements in the Application.

2. We will only pay for loss as a direct result of Cancer. Proof of Positive Diagnosis must be submitted to Us for each new claim. We will not pay for any other disease or incapacity that has been caused, complicated, worsened or affected by, or as a result of, Cancer.

3. If a covered Hospital Confinement is due to more than one covered disease or condition, benefits will be payable as though the Confinement or expense were due to one disease or condition. If a Hospital Confinement or expense is also due to a disease or condition that is not covered, benefits will be payable only for the part of the Hospital Confinement or expense due to the covered disease or condition.

4. Under no condition will We pay any benefits for losses or medical expenses incurred prior to the Effective Date.

This is a brief summary of CancerSelect® Plus, Specified Disease Insurance underwritten by Transamerica Financial Life Insurance Company, Harrison, NY. Policy form series FICAN300. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

EXCLUSIONS AND LIMITATIONS

This Policy provides benefits only for Cancer as defined herein, which is Positively Diagnosed while this Policy is in force. It does not provide benefits for any other illness or disease, unless such illness or disease is directly caused by or aggravated by Cancer or the treatment of Cancer.

1. We will not pay a benefit under this Policy for a pre-malignant condition or conditions with malignant potential.

2. If a covered Hospital Confinement is due to more than one covered condition, benefits will be payable as though the Confinement or expense were due to one condition. If a Hospital Confinement or expense is also due to a disease or condition that is not normally covered, benefits will be payable only for the part of the Hospital Confinement or expense due to the covered disease or condition.

3. Under no condition will We pay any benefits for losses or medical expenses incurred prior to the Effective Date.

4. No benefits will be provided for treatment or service performed by a member of the Covered Person’s immediate family, as defined.

5. No benefits will be payable for treatment or services received outside the United States, its possessions or the countries of Canada and Mexico. Pre-Existing Condition Limitation - No benefits are provided during the first 6 months for any Cancer for which medical advice was given or treatment was recommended by, or received from, a licensed health care provider within 6 months prior to the Effective Date of such person’s coverage.

Critical Illness Insurance

This is a brief summary of Transamerica CriticalEvents® critical illness insurance underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series CPI0500 and CPCI0500. Forms and numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

We do not cover losses caused by, or as a result of, the Insured Person’s:

1. Participation or attempting to participate in an illegal activity.

2. Intentionally causing self-inflicted injury.

3. Committing or attempting to commit suicide, whether sane or insane.

4. Involvement in any period of armed conflict.

5. Active-duty service in the armed forces of any country, including national guard and reserve service.

6. Surgeries performed outside the United States or its territories.

Under no condition will we pay any benefits for losses incurred prior to the Effective Date.

This is a brief summary of Transamerica Critical Illness Insurance^SM CI12 underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series TMCI1200-1020 and TCCI1200-1020. Forms and numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

We do not pay benefits for losses caused by, or as a result of, the following:

As a result of the insured voluntarily participating or attempting to participate in an illegal occupation; As a result of the insured intentionally causing a self-inflicted injury;

As a result of the insured committing or attempting to commit suicide, whether sane or insane;

As a result of an insured’s participation in a war or any act of war, declared or undeclared, riot, civil commotion, civil disobedience, or unlawful assembly. This does not include a loss which occurs while acting in a lawful manner within the scope of authority;

For any loss that occurred while on active-duty status in the armed forces of any country. If you notify us of such active duty, we will refund any premiums paid for any period for which no benefits are provided as a result of this exclusion;

As a result of an insured’s commission of a felony;

As a result of an insured’s participation in a contest of speed in power driven vehicles, parachuting, or hang-gliding;

As a result of an insured’s traveling in or descending from any vehicle or device for aerial navigation, unless as a fare paying passenger on a scheduled or a charter flight operated by a scheduled airline;

As a result of an insured’s being intoxicated as defined by the laws of the jurisdiction in which the loss occurred or under the influence of a controlled substance unless administered by a physician or taken according to a physician’s instructions.

Under no condition will we pay any benefits for losses incurred prior to the effective date.

This is a brief summary of CriticalAssistance Select® for New York Critical Illness insurance, underwritten by Transamerica Financial Life Insurance Company, Harrison, NY. Policy form series TPSD01NY or TPSDC1NY. Forms and numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

A. Exclusions: The policy does not cover losses caused by or resulting from the following: a covered person being diagnosed with a specified disease during the waiting period. If a covered person is diagnosed with a specified disease during the waiting period, Transamerica Financial Life Insurance Company will void the policy and refund all premiums paid. a covered person participating in a felony, riot, or insurrection. a covered person intentionally causing a self-inflicted injury. a covered person committing or attempting to commit suicide. Transamerica Financial Life Insurance Company will not pay the specified disease benefit for the following: pre-malignant conditions or conditions with malignant potential; or Transient Ischemic Attacks.

Transient Ischemic Attacks are not considered strokes or any other type of disease covered by the policy.

B. Time Limit on Certain Defenses: After two years from the date of issue, only fraudulent misstatements in the application may void the policy or cause denial of claims for loss incurred or disability after such two year period.

GAP Insurance

This is a brief summary of TransConnect® supplemental medical expense insurance underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series CP201200 or TMLB1000. Forms and form numbers may vary by state. This insurance is not available in all jurisdictions. Limitations and exclusions apply.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

Exclusions - No benefits are payable for any expenses incurred:

During any period the insured person is not insured under the comprehensive medical plan

b. As the result of suicide or any attempted suicide, while sane or insane

c. For any intentionally self-inflicted injury or sickness

d. For rest care or rehabilitative care and treatment

e. For voluntary abortion except:

1. Where the insured person's life would be endangered if the fetus were carried to term; or

2. Where medical complications have arisen from abortion

f. For pregnancy of a dependent child

g. As a result of an insured person’s participation in a riot, civil commotion, civil disobedience, or unlawful assembly. This does not include a loss which occurs while acting in a lawful manner within the scope of authority

h. As a result of an insured person’s commission of a felony

i. As a result of an insured person’s participation in a contest of speed in power driven vehicles, parachuting, or hang-gliding

j. As a result of an insured person’s traveling in or descending from any vehicle or device for aerial navigation, unless as a fare-paying passenger on a scheduled or a charter flight operated by a scheduled airline

k. As a result of an insured person’s being intoxicated as defined by the laws of the jurisdiction in which the loss occurred or under the influence of a controlled substance unless administered by a physician or taken according to the physician’s instructions

l. For the treatment of mental illness, alcoholism, or substance abuse provided as an outpatient

m. For sex changes, except for medically necessary treatment including gender affirmation surgery for gender dysphoria and related health conditions.

n. For experimental treatment, drugs, or surgery. As it pertains to this exclusion, experimental treatment, drugs or surgery means:

1. The drug or device cannot be lawfully marketed without approval of the U.S. Food and Drug Administration (FDA) and approval for marketing has not been given at the time the drug or device is furnished;

2. Reliable evidence shows that the drug, device, or medical treatment or procedure is the subject of on-going phase I, II, or III clinical trials or under study to determine its maximum tolerated dose, its toxicity, its safety, or its efficacy as compared with the standard means of treatment or diagnosis;

3. Reliable evidence shows that the consensus among experts regarding the drug, device, or medical treatment or procedure is that further studies or clinical trials are necessary to determine its maximum tolerated dose, toxicity, safety, or efficacy as compared with the standard means of treatment or diagnosis;

4. The drug or device is used for a purpose that is not approved by the FDA; or

5. Surgery or therapy not endorsed by either the National Cancer Institute or the American Cancer Society for experimental studies.

o. For any loss that occurred while on active-duty status in the armed forces of any country. If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exclusion.

p. For accident or sickness arising out of or in the course of any occupation for compensation, wage or profit. (not applicable to sole proprietors or partners not covered by Workers' Compensation).

q. For dental or vision services, unless:

1. Resulting from an accident occurring while the insured insurance coverage under the policy is in force and such services are performed within 12 months of the date of such Accident;

2. Due to congenital disease or anomaly of a covered newborn child; or 3. Consisting of a surgical procedure to remove cataracts.

r. For routine examinations such as health exams, periodic check-ups, or routine physicals.

s. For any expense for which benefits are excluded under the insured person's comprehensive medical plan.

t. For expenses related to radiation therapy or chemotherapy such as: prescribed medications for side effects, physical exams, checkups, treatment consultations and planning, or any similar expenses. Radiation therapy or chemotherapy does not include laser or stereotactic surgery.

This is a brief summary of TransConnect Plus^SM underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series TMLB2000-0920 and TCLB2000-0920. Forms and form numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

LIMITATIONS/EXCLUSIONS

No benefits are payable for any of the following:

1. During any period when the insured person is not insured under the comprehensive medical plan.

2. As the result of suicide or any attempted suicide, while sane or insane.

3. For any intentionally self-inflicted accident or sickness.

4. As a result of an insured person’s participation in a war or any act of war, declared or undeclared, riot, civil commotion, civil disobedience, or unlawful assembly. This does not include a loss which occurs while acting in a lawful manner within the scope of authority.

5. For any loss that occurred while on active-duty status in the armed forces of any country. If you notify us of such active duty, we will refund any premiums paid for any period for which no benefits are provided as a result of this exclusion.

6. As a result of an insured person’s commission of a felony.

7. As a result of an insured person’s participation in a contest of speed in power-driven vehicles, parachuting, or hang-gliding.

8. As a result of an insured person’s traveling in or descending from any vehicle or device for aerial navigation, uunless as a fare paying passenger on a scheduled or a charter flight operated by a scheduled airline.

9. As a result of an insured person’s being intoxicated as defined by the laws of the jurisdiction in which the loss occurred or under the influence of a controlled substance unless administered by a physician or taken according to the physician’s instructions.

10. For experimental treatment, drugs, or surgery. For the purpose of this exclusion, experimental treatment, drugs, or surgery means:

a. The drug or device cannot be lawfully marketed without approval of the U.S. Food and Drug Administration (FDA) and approval for marketing has not been given at the time the drug or device is furnished;

b. Reliable evidence shows that the drug, device, or medical treatment or procedure is the subject of ongoing phase I, II, or III clinical trials or under study to determine its maximum tolerated dose, toxicity, safety, or efficacy as compared with the standard means of treatment or diagnosis;

c. Reliable evidence shows that the consensus among experts regarding the drug, device, or medical treatment or procedure is that further studies or clinical trials are necessary to determine its maximum tolerated dose, toxicity, safety, or efficacy as compared with the standard means of treatment or diagnosis;

d. The drug or device is used for a purpose that is not approved by the FDA; or

e. The surgery or therapy is not endorsed by either the National Cancer Institute or the American Cancer Society for experimental studies.

11. For an accident or sickness arising out of or in the course of any employment or which is reimbursable under any state or federal workers’ compensation or occupational disease act or law.

12. For any expense for which benefits are excluded under the insured person’s comprehensive medical plan.

13. Treatment, services, or supplies which (a) Would not routinely be paid in the absence of insurance; or (b) Are received from an immediate family member.

14. Treatment, services, or supplies which are provided by or reimbursable under Medicare or any other government program.

15. Expenses incurred as a result of a cosmetic surgical procedure, cosmetic dental procedure, or drug or medicines prescribed for cosmetic use, except reconstructive surgery incidental to or following surgery resulting from trauma, infection, or other diseases of the involved body part or reconstructive surgery because of a congenital disease or anomaly.

16. A state-mandated health benefit that the comprehensive medical plan does not cover.

Hospital Indemnity Insurance

This is a brief summary of Hospital Select® II, hospital indemnity insurance underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series CPGHI400 and CCGHI400. Forms and form numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy and riders for complete details.

THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL

INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL

AFFORDABLE CARE ACT.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

With respect to benefits provided under this Certificate, no benefits will be payable as the result of:

1. A Covered Person’s suicide or attempted suicide, while sane or insane.

2. A Covered Person’s intentionally self-inflicted injury.

3. Rest care or rehabilitative care and treatment.

4. Immunization shots and routine examinations such as: physical examinations, mammograms, Pap smears, immunizations, flexible sigmoidoscopy, prostate-specific antigen tests and blood screenings. This exclusion does not apply to coverage under the optional Wellness Indemnity Benefit Rider, if attached as part of the contract.

5. Any pregnancy of a Dependent Child, including Confinement rendered to her Child after birth.

6. Routine newborn care. This exclusion does not apply to coverage under the optional Wellness Indemnity Benefit Rider, if attached as part of the contract.

7. A Covered Person’s abortion, except for medically necessary abortions performed to save the mother’s life. CCGHI400 7

8. The treatment of: a. A Covered Person’s mental or emotional disorder. This exclusion does not apply to coverage under the optional Inpatient Mental and Nervous Disorder Indemnity Benefit Rider, if attached as part of the contract. b. A Covered Person’s alcoholism or drug addiction. This exclusion does not apply to coverage under the optional Inpatient Drug and Alcohol Addiction Indemnity Benefit Rider, if attached as part of the contract.

9. A Covered Person’s participation in a riot, or insurrection.

10. Dental care or treatment, except for such care or treatment due to Accidental Injury to sound natural teeth within 12 months of the Accident and except for dental care or treatment necessary due to congenital disease or anomaly.

11. Any Accident caused by the participation in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a Physician or taken according to the Physician’s instructions) or while intoxicated (intoxicated means that condition as defined by the law of the jurisdiction in which the Accident occurred).

12. A Covered Person’s sex change, reversal of tubal ligation or reversal of vasectomy.

13. Artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications or Physician’s services, unless required by law.

14. Committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation.

15. Traveling in or descending from any vehicle or device for aerial navigation, except as a fare-paying passenger in an aircraft operated by a commercial airline (other than a charter airline) on a regularly scheduled passenger trip.

16. Any loss incurred while a Covered Person is on active duty status in the armed forces. (If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception.)

17. An Accident or Sickness arising out of or in the course of any occupation for compensation, wage or profit or for which benefits may be payable under an Occupational Disease Law or similar law, whether or not application for such benefits has been made.

18. A Covered Person’s involvement in any war or act of war, whether declared or undeclared.

Preexisting Condition Limitation - No benefits are provided during the first 12 months this coverage is in force for a Preexisting Condition. After this 12-month period, loss due to such Preexisting condition will be payable unless specifically excluded from coverage. This 12-month period is measured from the date coverage becomes effective for each Covered Person.

No claim for a loss that starts 12 months after coverage becomes effective may be reduced or denied because of a physical condition, not excluded by name or specific description before the date of loss, that existed before the Covered Person’s coverage become effective.] Normal Pregnancy Limitation – No benefits are provided for normal pregnancy during the first 10 months this coverage is in force. Complications from pregnancy are covered the same as any other sickness.

This is a brief summary of Transamerica Provider Select^SMLimited Group Hospital Indemnity Insurance, underwritten by Transamerica Life Insurance Company, Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy Form Series CPGHI600 and CCGHI600 or CPGHI700 and CCGHI700. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy and riders for complete details.

THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

With respect to benefits provided under this certificate, no benefits will be payable as the result of:

1. An insured person’s suicide or attempted suicide, while sane or insane.

2. An insured person’s intentionally self-inflicted injury.

3. Rest care or rehabilitative care and treatment.

5. Any pregnancy of a dependent child, including confinement rendered to her child after birth.

6. Routine newborn care. This exclusion does not apply to coverage under the optional Wellness Indemnity Benefit Rider, if attached as part of the contract.

7. An insured person’s abortion, except for medically necessary abortions performed to save the mother’s life.

8. The treatment of a. An insured person’s mental or emotional disorder. This exclusion does not apply to coverage under the optional Inpatient Mental and Nervous Disorder Indemnity Benefit Rider, if attached as part of the contract. b. An insured person’s alcoholism or drug addiction. This exclusion does not apply to coverage under the optional Inpatient Drug and Alcohol Addiction Indemnity Benefit Rider, if attached as part of the contract.

9. An insured person’s participation in a riot, or insurrection.

10. Dental care or treatment, except for such care or treatment due to accidental Injury to sound natural teeth within 12 months of the accident and except for dental care or treatment necessary due to congenital disease or anomaly.

11. Any accident caused by the participation in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a physician or taken according to the physician’s instructions) or while intoxicated (intoxicated means that condition.

as defined by the law of the jurisdiction in which the accident occurred).

12. An insured person’s sex change, reversal of tubal ligation or reversal of vasectomy.

13. Artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications or Physicians services, unless required by law.

14. Committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation.

16. Any loss incurred while an insured person is on active-duty status in the armed forces. (If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception.)

17. An accident or sickness arising out of or in the course of any occupation for compensation, wage or profit or for which benefits may be payable under an Occupational Disease Law or similar law, whether or not application for such benefits has been made.

18. An insured person’s involvement in any war or act of war, whether declared or undeclared.

This is a brief summary of Hospital Select^® II, underwritten by Transamerica Financial Life Insurance Company, Harrison, NY. Policy form series FPGHI4NY. Forms and form numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy and riders for complete details.

THIS IS NOT MAJOR MEDICAL INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL INSURANCE. IT DOES NOT QUALIFY AS MINIMUM ESSENTIAL HEALTH COVERAGE UNDER THE FEDERAL AFFORDABLE CARE ACT.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

With respect to benefits provided under this certificate, no benefits will be payable as the result of:

1. An insured person’s suicide or attempted suicide, while sane or insane.

2. An insured person’s intentionally self-inflicted injury.

3. Rest care or rehabilitative care and treatment.

5. Any pregnancy of a dependent child, including confinement rendered to her child after birth.

6. Routine newborn care. This exclusion does not apply to coverage under the optional Wellness Indemnity Benefit Rider, if attached as part of the contract.

7. An insured person’s abortion, except for medically necessary abortions performed to save the mother’s life. CCGHI400

8. The treatment of: a. An insured person’s mental or emotional disorder. This exclusion does not apply to coverage under the optional Inpatient Mental and Nervous Disorder Indemnity Benefit Rider, if attached as part of the contract. b. An insured person’s alcoholism or drug addiction. This exclusion does not apply to coverage under the optional Inpatient Drug and Alcohol Addiction Indemnity Benefit Rider, if attached as part of the contract for such care or treatment due to accidental Injury to sound natural teeth within 12 months of the accident and except for dental care or treatment necessary due to congenital disease or anomaly.

11. Any accident caused by the participation in any activity or event, including the operation of a vehicle, while under the influence of a controlled substance (unless administered by a physician or taken according to the physicians instructions) or while intoxicated (intoxicated means that condition as defined by the law of the jurisdiction in which the accident occurred).

12. A insured person’s sex change, reversal of tubal ligation or reversal of vasectomy.

13. Artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications or Physicians services, unless required by law.

14. Committing, attempting to commit, or taking part in a felony or assault, or engaging in an illegal occupation.

16. Any loss incurred while an insured person is on active duty status in the armed forces. (If you notify us of such active duty, we will refund any premiums paid for any period for which no coverage is provided as a result of this exception.)

18. An insured person’s involvement in any war or act of war, whether declared or undeclared.

Long Term Disability Insurance

This is a brief summary of Transamerica Long-Term Disability Insurance^SM DI11 underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series ICC20 TMDI11IC-1020 and ICC20 TCDI11IC-1020. Forms and form numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at: tebcs.com.

LIMITATIONS AND EXCLUSIONS

Disabilities not covered under the policy — the policy does not cover any disabilities caused by, contributed to by, or resulting from your:

1. Commission or attempt to commit a felony;

2. Intentionally self-inflicted harm;

3. Attempted suicide, regardless of mental capacity;

4. Subject to the applicable law in the state where the policy is delivered or issued for delivery, operating a motor vehicle while under the influence of alcohol as evidenced by a blood alcohol level in excess of the state legal intoxication limit as defined by the state law where the disability occurs;

5. Subject to the applicable law in the state where the policy is delivered or issued for delivery, being under the influence of any narcotic, unless the narcotic is being taken on the advice of a doctor;

6. Voluntary intake of poison, drugs or fumes, unless a direct result of an occupational accident;

7. Participation in a war, declared or undeclared, or any act of war; an act of war is military activity by one or more national governments and does not include terrorist acts, other random acts of violence not perpetrated by you, or civil war or community faction;

8. Active duty in the military or the National Guard or similar government organizations;

9. Active participation in a riot, insurrection or terrorist activity;

10. Engaging in any illegal occupation, work, or employment;

11. Commission of or attempt to commit a felony;

12. Cosmetic surgery except when required for your appropriate care as a result of Your Injury or sickness; cosmetic surgery shall not include reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;

13. Traveling in any aircraft other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline;

14. Traveling in any aircraft or device operated by or under authority of military or any aircraft being used for experimental purposes or to travel beyond the earths atmosphere;

15. Hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing;

16. Participation in recreational or for wage, compensation or profit, motor sports events, racing, speed or endurance contest (auto, truck, cycle, or boat), rock or mountain climbing, skin or scuba diving, bungee jumping;

17. Participation in any sport for wage, compensation or profit;

18. Occupational sickness or injury. We will not pay a benefit for any period of disability during which you are legally incarcerated in a penal or correctional institution.

Short Term Disability Insurance

This is a brief summary of Transamerica Short-Term Disability Insurance^SM DI10, underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series ICC20 TMDI10IC 1020 and ICC20 TCDI10IC 1020. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

EXCLUSIONS AND LIMITATIONS

Disabilities Not Covered under the Policy: The Policy does not cover any disabilities caused by, contributed to by, or resulting from Your:

1. Commission or attempt to commit a felony;

2. Intentionally self-inflicted harm;

3. Attempted suicide, regardless of mental capacity;

4. Subject to the applicable law in the state where the Policy is delivered or issued for delivery, operating a motor vehicle while under the influence of alcohol as evidenced by a blood alcohol level in excess of the state legal intoxication limit as defined by the state law where the disability occurs;

5. Subject to the applicable law in the state where the Policy is delivered or issued for delivery, being under the influence of any narcotic, unless the narcotic is being taken on the advice of a Doctor;

6. Voluntary intake of poison, drugs or fumes, unless a direct result of an occupational accident;

8. Active duty in the military or the National Guard or similar government organizations;

9. Active participation in a riot, insurrection or terrorist activity;

10. Engaging in any illegal occupation, work, or employment;

11. Commission of or attempt to commit a felony;

12. Cosmetic surgery except when required for Your Appropriate Care as a result of Your Injury or Sickness; cosmetic surgery shall not include reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;

13. Traveling in any aircraft other than as a fare-paying passenger on a scheduled or charter flight operated by a scheduled airline;

14. Traveling in any aircraft or device operated by or under authority of military or any aircraft being used for experimental purposes or to travel beyond the earth’s atmosphere;

15. Hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing;

16. Participation in recreational or for wage, compensation or profit, motor sports events, racing, speed or endurance contest (auto, truck, cycle or boat), rock or mountain climbing, skin or scuba diving, bungee jumping;

17. Participation in any sport for wage, compensation or profit;

18. Occupational Sickness or Injury. We will not pay a benefit for any period of disability during which You are legally incarcerated in a penal or correctional institution.

This is a brief summary of TransDI® Plus Group Short-Term Disability Income Insurance underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series CPDI0100 and CCDI0100. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

LIMITATIONS AND EXCLUSIONS

There will be no Disability Benefit payable for a Pre-Existing Condition until the Insured has been continuously covered under the Policy for 12 months, and has returned to performing the duties of his or her occupation for 30 continuous days after the first 12 months of coverage. If Total Disability is due to a Pre-Existing Condition which begins during the first 12 months of coverage, [50]% of the Monthly Disability Benefit will be payable up to a maximum of [12] weeks. If Total Disability begins after 12 months of coverage, benefits will be paid on the same basis as any other Accident or Sickness.

This Policy does not cover any loss, fatal or non-fatal, which occurs as a result of:

1. An intentionally self-inflicted injury while sane or insane;

2. Any act of war, declared or undeclared;

3. The Insured’s commission of a felony;

4. The Insured operating, learning to operate or having any duty in the operation of any device or vehicle intended or designed for flight in the air including boarding, alighting or descending therefrom;

5. Accident or Sickness arising out of and in the course of any occupation, either full-time or part-time, for wage or profit. This exclusion applies even if Workers’ Compensation is not paid for the on-the-job injury;

6. An Accident sustained or Sickness contracted while in the service of the armed forces of any country, except that Total Disability which occurs the first 15 days of military service are covered and will be reduced by any disability payments received from the armed forces; or

7. Mental illness and/or drug/alcohol abuse.

This is a brief summary of TransDI® Plus Short-Term Disability Insurance underwritten by Transamerica Financial Life Insurance Company, Harrison, New York. Policy form series FPIDI100. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

LIMITATIONS AND ADJUSTMENTS

This Policy does not cover any loss, fatal or non-fatal, which occurs as a result of:

1. Attempted suicide or an intentionally self-inflicted injury while sane;

2. War or any act of war, whether declared or undeclared;

3. Your commission of or attempt to commit a felony or engagement in an illegal occupation; or your participation in a riot or insurrection;

4. Aviation, except as a fare-paying passenger on a scheduled or chartered flight operated by a scheduled airline;

5. An accident or sickness for which benefits are actually paid by any state or Federal workers’ compensation, employers’ liability or occupational disease law;

6. An accident sustained or Sickness contracted while in the service of the armed forces of any country or any auxiliary units of same; or

7. Your being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.

Benefits will not be reduced due to a cost-of-living increase in Social Security if the increase takes place while benefits are payable. With respect to any and all of the above sources, if a lump sum payment is received by the Insured or his or her dependents for a period previously paid by the Company, any resulting overpayment by the Company will be due the Company on a lump sum basis. If the Insured has the option of taking retirement benefits on a monthly basis but chooses to receive retirement benefits on a lump sum basis, the Company may assume he or she is receiving retirement benefits based upon the lowest monthly retirement plan benefit available to him or her prior to lump sum withdrawal. After application or reapplication has been made for the above applicable income sources, in lieu of the Company estimating other income, the Insured may complete a Reimbursement Agreement provided by the Company. The agreement will allow the Company to provide benefits without estimation of other income and require the Insured to reimburse the Company for any overpayment as the result of retroactive awards. The Disability Benefits payable will never be less than the Minimum Disability Benefit amount set out on the Contract Data Page.

EXCLUSIONS

This Policy does not cover any loss, fatal or non-fatal, which occurs as a result of:

1. An intentionally self-inflicted injury while sane or insane;

2. Any act of war, declared or undeclared;

3. The Insureds commission of a felony;

5. Accident or Sickness arising out of and in the course of any occupation, either full-time or part-time, for wage or profit. This exclusion applies even if Workers Compensation is not paid for the on-the-job injury;

7. Mental illness and/or drug/alcohol abuse.

Retiree Medical Insurance

Transamerica’s Retiree Medical Supplemental medical insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa; or Transamerica Financial Life Insurance Company, Harrison, NY. Policy form series LM1000GPM, LM1000GCM, LM1000GPT, LM1000GCT. In New York RM1000GPTF and RM1000GCTF. Forms and form numbers may vary. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details. Plans may not be available in some states. Not connected with or endorsed by the U.S. Government or Federal Medicare Program.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com

LIMITATIONS AND EXCLUSIONS

Benefits will not be paid for any expenses which are not determined to be Medicare Eligible Expenses by the Federal Medicare Program or its administrators, except as otherwise specified.

Voluntary Term Life/Group Term Life Insurance

This is a brief summary of Transamerica Group Term Life Insurance^SM TL14, underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series ICC 20TMTL14IC-1020 and ICC TCL14IC-1020. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

Benefits will not be paid if the insured dies by suicide, whether sane or insane, within the first two years of insurance. If this occurs:

• Any premium paid for the basic life insurance will be returned to the employer

• An amount equal to premiums paid for supplemental life insurance will be paid to the beneficiary (for supplemental policies)

This is a brief summary of Trans Select® Term Life Insurance, underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series CPVTL200 and CCVTL200. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

We will not pay benefits if an insured person dies by suicide, while sane or insane, within the first two years of insurance. If this occurs, we will refund the premiums paid minus any benefits that have been paid under any accelerated benefit rider.

This is a brief summary of TransSelect® Group Term Life Insurance underwritten by Transamerica Financial Life Insurance Company, Harrison, NY. Policy form series FPVTL200 and FCVTL200-R0319. Forms and form numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

LIMITATIONS AND EXCLUSIONS

We will not pay the Death Benefit if the Insured dies by suicide within two years from the date coverage is issued. Instead, we will refund the premiums paid for this insurance. Any increase in the Death Benefit will start this Suicide Exclusion provision anew, but only on the applied for increase. If this Certificate Lapses and is reinstated, the Suicide Exclusion does not start anew.

Universal Life Insurance

This is a brief summary of Transamerica Universal Life Insurance℠ UL10 Universal Life Insurance underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, Iowa. TLIC is not an authorized insurer in New York. Policy Form Series TMUL1000-0421 and TCUL1000-0421. Forms and form numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

We will not pay the Proceeds if the Insured dies by suicide, while sane or insane, within two years from the date coverage is issued. Instead, we will refund the premiums paid for this insurance minus any outstanding Loans. Any increase in the Face Amount will start this Suicide Exclusion provision anew, but will apply only to the amount of the increase.

This is a brief summary of TransElite® Universal Life Insurance underwritten by Transamerica Financial Life Insurance Company, Harrison, New York. Policy form series and. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details. Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at: tebcs.com.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

If an insured withdraws the cash value, tax consequences and/or surrender charges may apply. Fluctuations in interest rates or policy charges may require the payment of additional premiums. Individuals currently on disability or on premium waiver are not eligible for insurance. During the first two years, the death benefit for suicide is limited to the return of premiums paid, less any loans, partial surrender amounts, and accelerated benefits paid, if any.

This is a brief summary of TransElite® Universal Life Insurance underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series CPGUL300 and CCGUL300. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

CHILD TERM INSURANCE RIDER

This rider is only available during the initial enrollment. This rider will terminate on the earliest of: the date the contract terminates, subject to the Conversion Options of this rider; the date the contract lapses, subject to the grace period; the date the policy owner requests termination; the anniversary date on or after the insured child is no longer eligible as a dependent child; the anniversary date on or after the last insured child has reached age 26; or the date a nonforfeiture option, if any, becomes effective.

ACCELERATED DEATH BENEFIT FOR CHRONIC CONDITION RIDER

Transamerica will not pay rider benefits for care that is received or loss incurred as a result of: an intentionally self-inflicted injury or attempted suicide war or any act of war, declared or undeclared, or service in the armed forces of any country; the insured’s alcohol, drug or other chemical dependence, except if the drug dependency is for a drug prescribed by a physician in the course of treatment for an injury or sickness; the insured’s commission of, or attempt to commit, a felony; or an injury that occurs because of the insured’s involvement in an illegal activity.

EXTENSION OF BENEFITS RIDER

The rider will terminate on the earliest of: the date the contract terminates; the date the contract lapses, subject to the grace period; the date the policy owner requests termination; the date the policy owner dies; the date the entire death benefit has been paid under the Accelerated Death Benefit for Chronic Condition Rider, or when the policy no longer satisfies the Eligibility for Benefits provision; the date the cumulative death benefit increases under this rider total 100% of the death benefit in force on the date the first monthly accelerated death benefit was paid under the Accelerated Death Benefit for Chronic Condition Rider; the date the nonforfeiture option, if any, becomes effective; or the date a one-time lump-sum payment under the Accelerated Death Benefit for Chronic Condition Rider is paid.

This is a brief summary of TransElite® Universal Life Insurance underwritten by Transamerica Financial Life Insurance Company, Harrison, New York. Policy form series FPGUL300 and FPIUL3NY. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details. Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at: tebcs.com.

Up-to-date information regarding our compensation practices can be found in the disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

Whole Life Insurance

This is a summary of Trans$ure^SM Whole Life Insurance, underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series CPWL0100 and CCWL0100. Rider form series CRABTI00, CRULWT00, CRABLT00, CREXTB00, CRABCC00,

CRADD200, CRISLT00, CRWPL100, CRWP0100 and CRHIL00. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

This is a summary of Trans$ure^SMinterest sensitive endowment life Insurance, underwritten by Transamerica Financial Life Insurance Company, Harrison, New York. Policy form series FPWL01NY-0718 and FCWL01NY-R0421. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

Up-to-date information regarding our compensation practices can be found in the Disclosures section of our website at tebcs.com.

LIMITATIONS AND EXCLUSIONS

We will not pay the Proceeds if the Insured dies by suicide, within two years from the date coverage is issued. Instead, we will refund the premiums paid for this insurance minus any outstanding Loans. Any increase in the Face Amount will start this Suicide Exclusion provision anew, but will apply only to the amount of the increase. If within 2 years after an increase, then instead of paying the Death Benefit for the increased amount, we will refund all Cost of Insurance charges and all Administrative Fees associated with the excluded coverage. If this Certificate Lapses and is later Reinstated, this Suicide Exclusion period does not begin anew.

This is a brief summary of Transamerica Interest Sensitive Whole Life Insurance℠ WL13 underwritten by Transamerica Life Insurance Company (TLIC), Cedar Rapids, IA. TLIC is not an authorized insurer in New York. Policy form series TMWL1300-1120 and TCWL1300-1120. Forms and form numbers may vary. Insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate and riders for complete details.

LIMITATIONS AND EXCLUSIONS

If an insured employee withdraws the cash value, tax consequences and/or surrender charges may apply. Individuals currently on disability or on premium waiver are not eligible for insurance. During the first two years, the death benefit for suicide is limited to the return of premiums paid, less any loans, partial surrender amounts, and accelerated benefits paid, if any.

ACCELERATED DEATH BENEFIT FOR CHRONIC CONDITION RIDER

EXTENSION OF BENEFITS RIDER

This is a brief summary of Transamerica Contributory Fixed Premium Universal Life Insurance^SM WL13 underwritten by Transamerica Financial Life Insurance Company (TFLIC), Harrison, New York. Policy form series FMWL13NY-1120 and FCWL13NY-1120. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusions apply. Refer to the policy, certificate, and riders for complete details.

LIMITATIONS AND EXCLUSIONS

ACCELERATED DEATH BENEFIT FOR CHRONIC CONDITION RIDER

Product Disclosures, Limitations and Exclusions