Upcoming Changes to WRL Term Products

Over the last several months many life insurance companies have been raising their term rates and, in some cases, pulling their Return of Premium products off the shelf. Some industry experts have speculated that term rates across the industry will, more than likely, never be as low as they our now. We keep hearing that now is the ideal time to buy a home, well it's also the ideal time to buy term life insurance. So we encourage you to get out and talk to as many clients and prospects as possible and make sure they have adequate protection.

Effective November 9, 2009 Western Reserve Life will implement changes to the WRL Term Plus product line. The WRL Term Plus product will undergo rate changes and will offer a new Return of Premium rider, while the WRL Term Plus with Return of Premium product will be discontinued. Please review the guidelines below to ensure a smooth transition.

WRL Term Plus
- All applications must by signed by 11/9/09 or before and received at WRL by 11/20/09 in order to receive the current rates.
- Applications signed 11/10/09 and after will receive the new rates.

WRL Term Plus with ROP
- All applications must by signed by 11/9/09 or before and received at WRL by 11/20/09.
- All WRL Term Plus with ROP policies must be issued by 12/28/09.
- Any outstanding requirements will need to be received by WRL by 12/23/09 in order to make sure the business is issued by 12/28/09.

New Rate Guides will be available online at www.westernreserve.com on or about 11/9/09. The current application will not change. To select the Return of Premium rider, simply check Term Plus with ROP in section 7.

For Agent Use Only

TRP-001-10/09