DON’T BE SOCIALLY AWKWARD THE TRANSAMERICA AGENCY NETWORK’S FIELD GUIDE TO SOCIAL MEDIA

CONTENTSINTRODUCTION 1

INTRODUCE YOURSELF 2

BEGIN THE CONVERSATION 6

DELVE INTO THE DIALOG 9

WHAT TO POST 12

DOS AND DON’TS 14

FACEBOOK FACTS 15

LINKEDIN FACTS 16

TWITTER FACTS 17

TRANSAMERICA EMPLOYEE ACCEPTABLE 18 USE OF SOCIAL MEDIA

TRANSAMERICA AGENCY NETWORK 20 SOCIAL MEDIA AGENT GUIDELINES

MEET YOUR GUIDE

1

BASIC TRAININGGEAR UP FOR

INTRODUCTIONIn many ways, social media is today’s dominant mass media. If you want to communicate with clients and prospects, it’s not hard to find them; they’re on social media.

So we know where to find clientele, but how do you reach them? How can you use social media to grow your business? Where do you even start?

The first thing to understand is that social media is a conversation, not a lecture. As a general rule, you want to share, not sell. Make yourself a resource. Provide valuable insights. Earn your contacts’ trust. Then you can position yourself to be a provider of financial services.

Whether you’re just getting started or looking to step up your social media game, this guide provides a set of best practices and practical recommendations to help you use social media effectively. Ready? Let’s start the conversation.

The first thing to understand is that social media is a conversation, not a lecture.

2

FROM THE BEGINNING

INTRODUCE YOURSELFEvery good conversation starts with an introduction. Your intro to your clients and prospects on social media should be as courteous and well-conceived as any real-world introduction. Follow these steps to get started on the right foot.

KEY COMPONENTS > STRATEGIZE

> FOCUS

> YOUR BRAND

> SEPARATE

> INVITE

> COMPLY

LET’S START

Pew Research found that 69 percent of Americans use social media, with Facebook the runaway leader. - PEW RESEARCH CENTER, JANUARY 2017

69%

3

STRATEGIZEAny good marketing endeavor begins with a strategy. Social media is no different. Think about the things you want to accomplish in your business, then consider how social media can help. Are you trying to build your team? Get more clients? Promote certain initiatives? Social media is great for all of these things, but you need to have a plan first. So, start with setting objectives and goals for your business.

FOCUSDecide on the networks where you’ll be most effective, and then focus on those. It’s better to master a couple of platforms than to spread yourself thin over every network. We recommend starting with Facebook, by far the world’s largest social network, and LinkedIn, which is the go-to platform for professional networking. Read more about the platforms on pgs. 15-17, and see which is best for starting your campaign.

“I believe that people make their own luck by great preparation and good strategy.”

- JACK CANFIELD

4

FOOTPRINT

YOUR BRANDBe consistent. Your profile should have the same look and feel across all social media channels. Each one is different, but here are the basic components of a profile and how to use them to represent your brand in a good light:

A. PROFILE PHOTO/AVATAR A professional photo of yourself adds a human touch that is useful in building relationships. It also helps prospects and clients to identify you if they have not met you before.

B. HANDLE OR USER NAMEChoose one that easily identifies you and/or your business, and try to use the same one—or one that is very similar—across all your social media accounts. Your name or business name will give you the best brand boost and authority.

C. HEADER PHOTOThis large photo or banner image goes across the top of your business page, and can be used to visually convey information about your brand, emphasize a current campaign, highlight your team, and more. Change it as needed to keep your brand fresh, but at a minimum of once a year.

D. ABOUT/BIO/DESCRIPTIONA short version of your elevator speech might work well in this section. Be sure to include your business’s URL, street address, email address, and phone number.

YOUR ONLINE

A

A

B

B

D

D

C

C

5

SEPARATECreate dedicated social media accounts for your business, instead of repurposing your personal accounts. Separating your business and personal presence helps you appear more professional and avoid accidentally mixing personal communications with your business audience.

INVITEYou’ve set up your accounts, but your pages look like virtual ghost towns. The first step in earning visitors is simple: Invite them. You can start by inviting your personal connections (or a select group of them) to follow your business page. Also, many social media platforms allow you to import contacts from your email, phone, or other applications.

Next, add links to your social media outlets on your website and in your email signature. Don’t be afraid to include the relevant social media URLs on your printed materials (newsletters, business cards, letter head, etc.) as well. If you want people to visit, you need to show them where to go!

COMPLYSocial media is fun and entertaining, but it’s still governed by the same industry regulations, TAN policies, and Transamerica branding guidelines as your offline marketing. So, keep those in mind as you’re exploring the digital waters and you should experience plenty of smooth sailing.

SOCIAL MEDIA POLICIES: transamerica.com/individual/terms-of-use/social-media-guidelines.html

6

BEGIN THE CONVERSATIONSocial media is a venue for sharing and communicating, not shouting your agenda at people. Here are a few tips to help you connect with your customers, and build the bonds that can benefit your business.

KEY COMPONENTS > DEDICATE

> LISTEN

> SCHEDULE

> SHARE

> RESPOND

> ANALYZE

LISTENINGSTART BY

Nearly 80 percent of social media time now spent on mobile devices. - COMSCORE.COM, MARCH 2016

80%

7

DEDICATESocial media can quickly become a time suck, but it doesn’t have to consume your day. You can achieve good results by dedicating 15 to 20 minutes a day to your social media marketing. Split your time between the morning and afternoon to cover a wider audience.

LISTENEngaging in a conversation means listening as much as talking. Pay attention to what the members of your network are saying, what their needs are, how their lives are changing. Make note when your contacts change their status, such as starting a new job or having a baby. When appropriate, reach out to schedule a meeting to help them prepare financially for their life changes.

SCHEDULEConsistency is important on social media. A great way to maintain a reliable presence on social media is to start a content calendar. You can use a simple online calendar, like Google Calendar, or a project management app like Trello, and plot out your posts over the course of several weeks. You will find a library of content available to you from different sources on page 13. Additionally, you can also consider using a social media scheduling tool. Some free versions are available from Hootsuite or Buffer.

Make note of when your contacts change their status. Life events such as a new baby is a great time to re-connect with customers.

8

SHAREThe first rule of social media: Share, don’t sell. Give your contacts something of value, like information on overcoming challenges or tips on getting their financial house in order. If you can establish yourself as a helpful, knowledgeable resource, you will set yourself up to be top of mind when your contacts need a financial professional.

RESPONDTreat social media comments and direct messages like email messages: Address each one, preferably within a day. If someone comments on your post, give a thoughtful response or acknowledge it with a “like.” By doing so, you show that you’re engaged in the conversation, and you encourage your followers to reach out to you again.

Since TAN field are employees, any negative comments or complaints need to be reported to the TAN social media director and then it needs to be routed by our company compliance team.

ANALYZEIs any of this working? Don’t guess; track your results. You can tell your social media activity is having an impact by how often people are engaging with your posts — the number of likes, comments, and shares on the content you post. Note the type of content that receives the most engagement and continue to share similar information with your followers. Social media engagement may also impact your website traffic, search engine results, online reviews, and other items. Track these metrics carefully and let them inform your future social interactions.

Share, don’t sell.

9

DELVE INTO THE DIALOGAfter you’ve invested time with social media and seen meaningful results, you may be ready to step it up. Using some advanced techniques, you can manage social media more effectively and generate greater value from it.

FURTHER GROWTHCULTIVATE

KEY COMPONENTS > MANAGE

> ADVERTISE

> BROADCAST

> COLLABORATEMore than 56% of online adults use more than one social media platform - PEW RESEARCH CENTER, MARCH-APRIL 2016

56%

10

MANAGEWouldn’t it be nice if there were some tools that let you manage all of your social media accounts in one place, rather than signing in and out of multiple networks every day? Lucky for you, these tools exist, and some of them start for the very affordable price of free.

Social media management tools like Hootsuite or Buffer have dashboards that enable you to view posts, interact with followers, and see feedback across several networks at one time. You can use these systems to schedule posts ahead of time, so you can pre-plan your social posts weeks in advance and schedule the content to appear when your followers are most likely online.

These management tools also have analytics so you can see how your content is performing, monitor changes in your audience size, and view engagement levels. If you wish to receive training on these tools prior to using them, reach out to the TAN social media manager to inquire about training materials.

ADVERTISESocial media advertising provides a relatively inexpensive way to promote your business within your local community. Facebook, for example, allows you to “boost” posts to a wider audience, promote your page, promote your website, promote an event, and create a wide range of ads targeting people with specific interests and within specific demographics. LinkedIn has some similar tools, but allows you to target people by occupation, education level, status within a company, and other professional distinguishers. LinkedIn advertising is a little more expensive than Facebook or Twitter.

Pre-plan your social posts weeks in advance and schedule the content to appear when your followers are most likely online.

11

BROADCASTLive video is not permitted under the Transamerica Social Media Use guidelines. However, you can post pre-approved videos and audio visual media files from the official Transamerica social media channels. If you wish to create a video for your social channels, please work with your social media manager within the TAN department.

COLLABORATEMany associates have created Facebook pages and groups, LinkedIn Groups, Google Plus Circles, and hashtags dedicated to their team. You can use these to share team news, welcome new teammates, encourage success, and post other information. You have the option of making these private or public, so anyone who wishes to can get a peek at your team’s culture.

“Unity is strength... when there is teamwork and collaboration, wonderful things can be achieved.”

- MATTIE STEPANEK

12

WHAT TO POSTNot all content is created equal, but we’re here to help you make it worth while for your audience. Here, you will be able to build a social media presence for your business that is meaningful and authentic.

KEY COMPONENTS > POSTING IN A REGULATED INDUSTRY

> MAKE IT PERSONAL

MAKE IT REAL

Visual content is more than 40 times more likely to get shared on social media than other types of content. - LAWRENCE RAGAN COMMUNICATIONS, APRIL 2014

40x

13

POSTING IN A REGULATED INDUSTRYAs a representative of a financial services company, we face strict rules around our social media and marketing presence. In an effort to keep your posts authentic yet within the confines of compliance-reviewed-and-approved content, we ask all TAN agents to only share posts from the following sources:

• Transamerica Social Media Channels (Twitter, Facebook, LinkedIn, YouTube)

• TAN Social Media Channels (Facebook, LinkedIn, Instagram, YouTube) Transmarketing Social Media Library

Or use the Social Sharing Buttons with approved text, links and images on the following sites:

• New Age of Advice Blogs

• Blog.Transamerica.com

• Community.Wealthmeethealth.com

Another good starting place is the TAN corporate account, which is active on Facebook, Twitter, and LinkedIn. Feel free to borrow some tactics and duplicate them on your business’s social accounts.

SOME IDEAS:• Share inspirational quotes about financial

freedom, leadership, and success.

• Count down to big events.

• Share photos from big events.

• Provide infographics created by the home office or from industry associations but be sure to acknowledge the source.

• Recognize TAN colleagues on their accomplishments.

• A review of TAN businesses on social media showed that the most engaging content demonstrates falls into a few categories:

• How TAN representatives help families.

• Posts that educate consumers on financial concepts.

• Content that inspires people to improve their circumstances.

14

DOS AND DON’TSIn many ways, social media is an open playing field, but there are still rules to the game—especially when you’re working in a highly regulated industry. Here are some quick dos and don’ts to help keep you on the good side of the industry referees.

DO• Adhere to Transamerica Social Media

Guidelines. Click to view the guidelines >

• Restrict your social media presence to where you do your business.

• Acknowledge your sources. If you post copyrighted material to your social media channels, be sure to properly source the information and, if needed, obtain permission to post it.

• Keep product information high-level. Provide useful information and insights about product categories.

• Follow the corporate social media accounts and share, re-tweet, or quote their content

• Tap into industry-sponsored, month-long social media campaigns. Use the hashtags – #FinancialLiteracyMonth (April) to join the conversations.

• Always position yourself as a business professional, which means you should avoid posting offensive content, using foul language, etc.

DON’T• Create social media profiles pretending to be

the home office.

• Post securities-related material.

• Endorse a particular product or provider. As a TAN representative, you must provide a balanced approach to financial strategies.

• Discuss competitors or make negative comments about them.

• Harass people. Recruiting aggressively through social media gives a bad impression.

• Create your own content that is not compliance approved.

• Share content that is more than 6-12 months old, unless it is still relevant to your customers.

15

FACEBOOKWith 1.5 billion users, Facebook is the dominant force in social media and a good network to use as the foundation of your social campaign because of its extensive reach.

• Facebook allows you to maintain a personal profile, a separate business page and Facebook groups. You can post content, like others’ content and share posts as a business or professional. In a Facebook group you can interact with multiple people, and they can also talk to each other in a virtual group setting.

• To increase the likelihood of post engagement (clicks, likes, etc.), keep posts brief. Between 40 and 80 characters works best, and no more than 120 characters.

• Questions do well on Facebook. They prompt discussion and encourage more people to join in.

• The ideal image size for Facebook posts are 1200x630 pixels.

• The best times to post are between noon and 3:00 p.m. your local time on Monday, Wednesday, Thursday, Friday, and on Saturday and Sunday between noon and 1:00 p.m.

• Business pages on Facebook have a low organic reach because the network wants businesses to pay to distribute their content, even to their own followers. Facebook is fairly saturated with ad content, so it can be difficult to stand out.

• It is recommended you post a minimum of 3-5 times a week and don’t forget to check in over the weekend, too.

THE LEADING PLATFORM

16

LINKEDINThe world’s largest professional network has more than 450 million users, and has a unique status as a business-first social media platform.

• Post a status update at least twice a week, and no more than once each business day. Morning posts perform the best on LinkedIn. Tuesday between 10:00 and 11:00 a.m. your local time is the best time for receiving engagement.

• You can create groups so that people get notifications every time you post something. When possible, include your main website URL to drive people to your business website.

• Like Facebook, you can maintain a personal profile and a business page.

• Personalize the URL of your personal profile and your business page to make them easily shareable.

(NOT) AS USUALBUSINESS

• Don’t post long format articles on LinkedIn under your profile that is affiliated with Transamerica without the prior knowledge and approval of your compliance officer.

• LinkedIn users favor more formal, business-oriented and technical content.

• Your writing should vary based on your audience. For a business audience, keep posts between 75 and 100 characters. If you’re reaching out directly to consumers, stay between 100 to 125 characters. Keep all posts below 128 characters to avoid truncation on different devices and platforms.

• The ideal image size for posts is 1200x627 pixels.

17

TWITTERThe most active news and entertainment network delivering bite-sized updates and microblogs in 140 characters worldwide with 319 million active monthly users (2016).

• Post about three times a day. Morning and afternoon rush hour (commute) hours are the best time with a captive audience. Aim for 9 a.m. and 5 p.m. your local time and add another post during lunch hour for good measure.

• Twitter recently changed their rules and won’t count images and media attachments towards the 140 characters, but they will count @ mentions, #keywords and URLs.

• Media works well on Twitter. The ideal image size is 1024x512 pixels. You can also use GIFs and videos. For videos, try uploading them (less than 30 sec) into the platform instead of streaming it from YouTube or Vimeo.

• Based on the username you choose, your unique profile URL will be generated, which you can easily share. For example: twitter.com/transamerica

• You can find friends, colleagues, and customers based on their username, and then follow them or invite them to follow up. Search for prospects by keywords that are relevant to your industry and see what they are talking about.

• To tweet at a specific person or company, you have to use their name with the @ mention in your post. Note, if you start your tweet with @username, only you, them and your common followers can see what you posted.

• Pro tip: If you are tweeting to a person or business, start your tweet with a “.” in front of their username. For example, “. @Transamerica …” This will make your post visible to more Tweeps (Twitter users).

• To send direct messages (DM) to someone on Twitter, you have to follow each other reciprocally, unless they are a confirmed social customer care handle. In that case you can send them a DM anytime.

• You can buy ads on Twitter to grow your followers or to get more exposure for great tweet/content. Ads are not too expensive and get a good reach because they use a strong target audience segmentation process.

INDUSTRY NEWSBITE SIZED

18

TRANSAMERICA EMPLOYEE ACCEPTABLE USE OF SOCIAL MEDIATransamerica (the Company) formally participates in social media through dedicated company-owned accounts. Only designated employees have the authority to speak on behalf of the company through those media channels using company-owned accounts. Personal social media accounts may not be used to conduct company business or communications. We recognize that many Company employees are also active participants on social media for private use, and we require that everyone adhere to the following:

• Adhere to the Code of Conduct at all times. Do not engage in any activities that violate the Code of Conduct. Review the Code of Conduct on Aegon’s global intranet site.

• Respect local and international laws. Respect all relevant laws regarding internet and social media usage. That which you are allowed to do online can differ substantially from one country to another; it is essential that you become familiar with local laws, rules, and regulations.

• Respect ownership laws and third-party platform terms of use, including compliance with copyright, trademark, and fair-use laws.

• Employees should not express their personal opinions on professional social media outlets, where they are associated with the Transamerica brand. In their personal social media outlets, they are encouraged to include a sentence such as “The views expressed on this website/blog are mine alone and do not reflect the views of my employer.”

• Employees may not disclose the Company’s confidential or proprietary information or that belonging to a third party who has disclosed confidential information to the Company to anyone outside the Company. Information is proprietary or confidential if it concerns the Company’s trade secrets; present and prospective products or services; sales and marketing strategies; customer, prospect, and supplier lists; policyholders; applicant and employee medical records; personnel files; software; hardware; computer systems; and other information of a similar nature generally not available to the public.

19

• Employees may not use any Aegon or Transamerica Company’s trademark or logos on a blog or other social media outlet. The Company strongly recommends that employees become familiar with the privacy settings of the platforms that they visit.

• Just as offline, libel, harassment, discrimination, defamation, and disparagement of competitors or individuals is prohibited when an individual posts on social media sites. The Company’s commitment to fair competition means we expect employees to refrain from making deceptive or misleading criticisms, disparaging remarks, or mischaracterizing a competitor or its products. Similarly, just as the Company expects employees to behave professionally at work, we expect employees to be respectful in their comments with regard to other employees, customers, distribution partners, affiliates and people who work on behalf of the Company in their communications outside work, including in a blog. While employees may respectfully disagree with Company actions, policies, or management, they may not attack fellow employees, customers, vendors, or shareholders.

• As a publicly owned company, there are financial disclosure laws that we must follow. Disclosures of the Company’s material non-public information or untrue or misleading statements are specifically prohibited and can have an adverse effect on the Company’s reputation and Aegon’s stock performance. If the Company determines federal or state securities law or other compliance matters so require, the Company may ask employees to refrain from discussing the Company in a blog or other social media outlets.

• Avoid identifying or discussing customers, business partners, or vendors unless you have their permission. Do not cite comments from others (including clients, business partners, and vendors) without their approval. Additionally, if an employee’s online conduct or comments are deemed illegal by law enforcement, such as posting threats or hate speech, among other things, the employee will be responsible for any criminal or monetary ramifications that may result.

• If an employee plans to post something online but is unsure whether it would be appropriate or consistent with this policy, the employee should stop to think about the potential risks and rewards before moving forward. Any employee who is uncertain about the content of a proposed online posting that relates to the Company may contact his/her supervisor/manager or the Human Resources Department for assistance.

• The Company prohibits taking negative action against an employee for reporting a possible departure from this policy or for cooperating in an investigation. Any employee who retaliates against another employee for reporting a possible deviation from this policy or for cooperating in an investigation will be subject to disciplinary action, including the possible termination of employment.

20

TRANSAMERICA AGENCY NETWORK SOCIAL MEDIA AGENT GUIDELINESWhether you are an independent contractor agent or career (employee) agent, you are responsible for complying with state and federal requirements. The Company has decided to establish guidelines for the use of its marketing materials and name on social networking sites as well as some general suggestions regarding the use of such sites for business purposes.

Material posted on the internet, including all social networking sites, is considered advertising. Posting anything on the internet or social networking sites that references the Company in any way, must obtain approval from the Advertising Compliance Unit before posting any such information. If you have any questions about how to reference the Company or its materials on social networking sites, please email Agency Marketing at TANSalesdesk@transamerica.com.

PLEASE REMEMBER:• You are not only presenting yourself to potential clients on social networking sites, if you mention

the Company or are a Company employee, you are presenting the Company as well as the integrity and quality of our brand(s) in your postings.

• Material you post on these sites can be seen not only by potential clients, but by state and national regulatory agencies. Regulators routinely “surf” the internet – including social networking sites – as part of industry surveillance efforts.

• If you are subject to FINRA oversight, you have additional compliance requirements to adhere to and must first obtain permission from your broker/dealer to participate in any social networking site. Please see the August, 2011 FINRA Regulatory Notice 11-39 which provides Guidance on Social Media Websites and the Use of Personal Devices for Business Communications.

21

USE OF SOCIAL NETWORKING FOR BUSINESS PURPOSES• Advertising: It is important to remember that materials posted on the internet about the

Company, its products, producers or services will be viewed as advertising, and thus, all advertising rules and regulations must be complied with when using social networking sites. This means that you cannot summarize or paraphrase from existing marketing materials or supplement information contained in approved product advertising on a social networking site. You can only post Company-approved advertising materials to promote the Company, its products, producers or services. You must adhere to the Company’s advertising and compliance requirements when using social networking to communicate about the Company, its products, producers or services. All the rules that apply to other Company communications, advertisements and marketing materials apply to social networking sites.

• Be Careful What You Post: You must make sure that you do not disclose confidential or proprietary information on a public social networking site. Do not post any material that is obscene, defamatory, profane, libelous, threatening, harassing, abusive, hateful, or embarrassing to another person or entity. All communications or statements should treat everyone with respect.

• Take Responsibility: You are personally responsible for what you post, and the internet has a very long memory. Be mindful that what you write may be public for a very long time—even if posted in a private forum, it can be forwarded, copied or downloaded in ways not contemplated by you when you first post. Ultimately, you are responsible for what you choose to post.

• Think Before You Post: Always pause and think before posting.

• Regulatory Concerns: To the extent that your postings may be viewed in other states or countries, you must follow all applicable regulatory rules for that state or country, regardless of the medium involved.

• Limitations for SEC or FINRA Regulated Entities: If your business is subject to SEC regulation and/or FINRA rules, you must follow the FINRA rules referenced above when using social networking sites, as well as the internal procedures of your broker/dealer.

• Screen Name/Identity: Be sure to select an appropriate screen name/identity if you’re going to use social networking sites to engage business associates or potential clients. Keep your postings appropriately professional.

• Pictures/Video: Only post pictures or videos on social networking sites that you would be comfortable with clients, prospective clients or regulators seeing.

• Copyright Laws: Do not publish any copyrighted material to social networking sites without properly sourcing or obtaining explicit permission to do so. To identify copyright material, look for the symbol “©”, (c) or © or sometimes TM. Copyright law covers a wide range of creative, intellectual, or artistic forms or “works” that can include images, text, or music. As a rule of thumb, it is best to avoid any use of another party’s material on social networking sites.

• Language: Casual language is appropriate for social networking sites but, offensive language is never appropriate. Remember that you potentially have a wide audience. If you wouldn’t say something to a client in a face-to-face meeting, avoid such language in social networking posts.

• Email: Don’t engage in business e-mail using your social networking links – either direct people to your business email account or to the Company instead. If you are a FINRA/SEC regulated business, business-related correspondence must be tracked and/or preserved.

22

• Updates: Keep your information up-to-date. New profile information, new designations, new anything should be reflected in your networking pages, just as it is on your company-approved website. If you are no longer authorized to sell the Company’s products, immediately update your websites to reflect such. For an employee, the position title listed in any profile should match the one set forth in the most current job description. Should employment end for any reason, the prior employee’s profiles should be updated and not reflect continued employment with the Company beyond the separation date.

• Terms of use: Respect the terms of use for the different social networking sites you participate in. Some give more latitude than others in commercial use of their network, so be mindful of each site’s terms and conditions.

• Comments: Consider using the “approve comment before posting” feature available on many social networking sites to prevent comments or ads that could be posted on your sites without your knowledge.

• Remember, it is out there for everyone to see: Regulators review these sites. Make sure any outside business activities you list have been disclosed and, if required, approved by the Company. Visit your site often and make sure the content reflects how you want to represent yourself and ensure that all content referencing the Company has been approved.

• Customer Service: Customers of Transamerica may find you on social media and ask you to help them with their customer complaints. Please respond to these requests by posting on: Facebook: “__________________, we want to help resolve your issue immediately. Please send an email to socialcare@transamerica.com with your name, phone number, account information and the issue so we can assist as soon as possible. Thank you. “ Twitter: “@__________________, we want to help resolve your issue immediately. Please email socialcare@transamerica.com w/ contact and acct. info so we can assist.”

FOR THE JOURNEYNOW YOU’RE READY

24112_BRIBR10317 | © 2017 Transamerica Corporation For Internal Use Only. Do Not Distribute.

Transamerica Agency Network is a marketing group with Transamerica Premier Life Insurance Company and Transamerica Life Insurance Company offering insurance and financial products.