1. society
2. work
3. retirement

THE FOLLOWING UPDATE TO THE RETIREMENT INCOME MAX LIVING BENEFIT
IS EFFECTIVE FEBRUARY 17, 2015.
The TA Vanguard ETF - Balanced investment option is now available with the Retirement Income Max® Living Benefit.
Please refer to the prospectus supplement dated February 17, 2015 for additional information.
For more information, financial professionals call 1-800-851-7555 and clients call 1-800-525-6205.
Annuities issued in all states except New York by Transamerica Life Insurance Company, Cedar Rapids, IA and in
New York by Transamerica Financial Life Insurance Company, Harrison, NY. Annuities are underwritten and
distributed by Transamerica Capital, Inc. References to Transamerica may pertain to one or all of these companies.
VBSRIM0215
Retirement Income MaxSM Living Benefit
Maximize Your
Retirement Income
Retirement Income Max Living Benefit
SM
An optional living benefit for variable annuities issued by Transamerica Life Insurance Company in Cedar Rapids, Iowa. Annuities are underwritten and
distributed by Transamerica Capital, Inc.
Annuities may lose value and are not insured by the FDIC or any federal government agency. They are not a deposit of or guaranteed by any
bank, bank affiliate, or credit union.
VBRIM1114
2/2015-web
You deserve a strategy that helps you achieve the retirement you’ve worked for. But if
you’re like most Americans, you’re concerned you aren’t fully prepared. To be financially
independent on the first day of retirement, through the final day, you should consider the
challenges ahead.
Reliability of Future Income
Pensions have become rare
As the chart to the right shows, only a few retirees
today have the benefit of a pension that guarantees a
stream of income through retirement. Now more than
ever, it’s up to you to create a reliable stream of income
from money you have saved.1,2
16% with
pensions in 2013
87% with
pensions in 1979
Medical expenses keep rising
Future Health Care Expenses
You also need to recognize the impact future health care
costs will have on your retirement savings. To understand
what health care will truly cost, you should consider
increased premiums for health insurance and higher outof-pocket costs such as deductibles and copayments.3
$220,000
$160,000
2002
2013
38% increase in costs since 2002
Investment Realities
Stocks, bonds, mutual funds, and retirement
annuities are part of many retirees’ investment
portfolios. As you can see in the chart to the right,
finding the right balance of these investments is
important for you to enjoy financial independence
throughout your retirement.
Impact of two market downturns
4
2,000
1,700
$3.7 trillion lost
$1.4 trillion lost
1,400
1,100
800
500
‘97
‘01
‘03
‘05
‘07
‘09
‘11
‘13
S&P 500 chart derived from Yahoo! Finance data. Past performance is no
guarantee of future results.
®
Social Security & Pensions, SmartMoney, October 2011.
Retirement Benefits: Access, Participation, and Take-Up Rates, Private Industry Workers, National Compensation Survey, Bureau of Labor Statistics, March 2013.
3
Fidelity Estimates Couples Retiring In 2012 Will Need $240,000 To Pay Medical Expenses Throughout Retirement, fidelity.com, May 9, 2012 and Fidelity Estimates
Couples Retiring In 2013 Will Need $220,000 To Pay Medical Expenses Throughout Retirement, fidelity.com, May 15, 2013
4
US Retirement Markets and Retirement Assets Total $17 Trillion in Third Quarter 2011 and The US Retirement Market Third Quarter 2010, ici.org.
1
2
2 | Maximize Retirement Income
Interest Rate Crediting5
Today, the income you can earn through traditional secure-dollar investments, such as certificates of deposits,
bonds, and money market funds, will probably not be enough for you to retire on. It’s important to understand how
changing interest rates can impact your retirement income.
0.26%
1.58%
0.11%
1-Year CD
Money Market Accounts/Saving
0.82%
2.34%
1.15%
5-Year CD
5-Year Treasury
3-Year MYGA Fixed Annuities
10-Year Treasury
Inflation
When planning for retirement, you need to consider the future costs of the niceties and necessities of life. Know
that the price of everything you buy will go up, which will steadily decrease your purchasing power over time.
At a Conservative
2.3% Inflation Rate6
$1.00
Today will be worth
$.80
In 10 years
$.63
In 20 years
But keep in mind, the inflation rate over
the past 30 years has averaged 4.3%7
$.51
In 30 years
Fortunately, there’s an investment strategy that can help. The Retirement
Income MaxSM living benefit with a Transamerica variable annuity can help
grow and protect your future income on the way to retirement. And when that
journey begins, it gives you a consistent stream of income that’s guaranteed
for the rest of your life.
All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing insurance company.
5
bankrate.com, federalreserve.gov and annuityratewatch.com, as of October 9, 2014.
6
Fourth Quarter 2013, Survey of Professional Forecasters, November 25, 2013.
7
www.calculator.net/interest-calculator.html and www.calculator.net/inflation-calculator.html
Maximize Retirement Income | 3
Recognize the Benefits of Retirement Income Max
More confidence
More financial security
Your income will last a lifetime.
Receive guaranteed pension-like
income for the rest of your life.
Even in down markets,
receive 5.5% annual
compounding growth
to your Withdrawal Base
for up to 10 years.*
Attained
Age
Single Life
Withdrawal
Percentage
Joint Life
Withdrawal
Percentage
80+
65-79
6.20%
5.20%
5.80%
4.80%
59-64
4.20%
3.80%
5.5%
If the living benefit is structured as joint life, the withdrawal percentages are based on the
younger of the annuitant or the annuitant’s spouse when withdrawals begin.
Income that can grow
1
First, even after you start
taking withdrawals, your
Withdrawal Base will grow
anytime you receive an
Automatic Step-Up.
%
2
Secondly, your annual
withdrawal percentage will
grow anytime you receive
an Automatic Step-Up and
enter a new age group.
%
%
Initial
Investment
Policy Value
0
1
2
3
4
*Assumes no withdrawals are taken in any living benefit year.
All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing insurance company.
The living benefit Monthiversary component of an Automatic Step-Up is not applied in living benefit years when an excess withdrawal has been taken.
This hypothetical example does not guarantee or predict actual performance.
4 | Maximize Retirement Income
5
Benefit Year
More stability of income
Monthiversary: How it Works
In up markets we automatically
lock-in your highest
MonthiversarySM value and
step-up your Withdrawal Base.
We look back at your 12
monthly policy values on the
date you purchased the living
benefit—your Monthiversary
Transamerica Variable Annuity
January 13, 2013 - March 31, 2013
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Policy Detail
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
1111111111111
11 11
1 1
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Value Summary
1111111111111
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1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
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1 1 1 1 111 1 1 1
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1 11 11 1
11 1111
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11 1
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1
11111 1 1 11 11 111
11
11
111 1 11
11 111 1111
11 11111 1
11 1111 1 1
1 111111
1 11 1 1
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1 1 11
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1 111
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1 11
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11111111111111111111111111
1 11
$350,196.00
$348,615.00
Minimum Required Cash Value
as of 3/31/2013
Remaining Rider
Withdrawal Amount
$28,681.00
$28,681.00
1111111111111
11 11
1 1
11
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
1 1 1 1 1 1 1 1 111
1
11 11
1111 1 11
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
1 11 11 1
11 1111
11
11
11
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11 1
11
1
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1 111111
1 11 1 1
11 1
11 1 1 1 1 1 1 1 1
1 1 11
1 1 111 111 1 1
1 111
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11
1 11
1 11 1 1
$ 3,167.00
Rider Withdrawal
Amount
$573,616.00
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11111111111111111111111111
1 111
1 11 1 1
11
11
1
111 1 11
1 111111
1 11 1 1
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1 11 1 1
1 111
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Page 1 of 4
This Period
Retirement Income ChoiceSM 1.6 fee
11
1 11
11
1111 1 11
11
111 1 11
11 1
11
1
111 1 11
1 111111
1 11 1 1
11 1
1 1 11
1 111
1 11 1 1
$ 3,167.00
Remaining Rider
Withdrawal Amount
$28,681.00
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
Page 1 of 4
This Period
Retirement Income ChoiceSM 1.6 fee
$ 3,167.00
Remaining Rider
Withdrawal Amount
$28,681.00
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
Page 1 of 4
This Period
Retirement Income ChoiceSM 1.6 fee
$ 3,167.00
Remaining Rider
Withdrawal Amount
$28,681.00
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
Page 1 of 4
This Period
Retirement Income ChoiceSM 1.6 fee
$ 3,167.00
Remaining Rider
Withdrawal Amount
$28,681.00
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
Page 1 of 4
This Period
Retirement Income ChoiceSM 1.6 fee
$ 3,167.00
Remaining Rider
Withdrawal Amount
Transamerica Variable Annuity
January 13, 2013 - March 31, 2013
$28,681.00
Your Representative
REGISTERED REPRESENTATIVE
FINANCIAL INVESTMENTS
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
www.transamericaannuities.com
Page 1 of 4
Policy Detail
Annuitant: SALLY SAMPLE
This Period
Owner: SALLY SAMPLE
3,167.00
Issue Date: March$31,
2003
Policy Number: 123123123
Product Transamerica Variable
ariable Annuity Series B Share
Death Benefit: Annual Step-Up
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Retirement Income ChoiceSM 1.6 fee
Remaining Rider
Withdrawal Amount
This Period
$350,196.00
$0.00
$0.00
-$1,581.00
Ending Policy Value as of 3/31/2013
$348,615.00
Surrender Value as of
Surrender Value as of
$350,196.00
$348,615.00
Page 1 of 4
12/31/2012
3/31/2013
Minimum Required Cash Value
as of 3/31/2013
Year To Date
Since Issue
$0.00
$0.00
$250,000.00
$0.00
$348,615.00
This Period
Retirement Income ChoiceSM 1.6 fee
$ 3,167.00
Living Benefit Detail
Retirement Income ChoiceSM 1.6
As of 3/31/2013
$28,681.00
Highest Monthiversary
Value 10/31/2007
$449,443.00
Page 1 of 4
1111111111111
11 11
1 1
11
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
1 1 1 1 1 1 1 1 111
1
11 11
1111 1 11
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
This Period
1 11 11 1
11 1111
11
111 1 11
11 1
11
1
11111 1 1 11 11 111
11
11
111 1 11
11 111 1111
11 11111 1
11 1111 1 1
1 111111
1 11 1 1
11 1
11 1 1 1 1 1 1 1 1
11 11 1
1 1 11
1 1 111 111 1 1
$ 3,167.00
This Period
Remaining Rider
Withdrawal Amount
SM
Retirement Income ChoiceSM 1.6 fee
$ 3,167.00
Remaining Rider
Withdrawal Amount
$28,681.00
Page 1 of 4
This Period
Retirement Income ChoiceSM 1.6 fee
Withdrawal Base
$449,443.00
11 1 1 1 1 111 11
111 1 111 111 1
11
1 111111
1 11 1 1
11 1
1 11 1 1
11 11 1
1 1 111 111 1 1
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11111111111111111111111111
$ 3,167.00
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
1 111
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11
1 11
1 11 1 1
11111111111111111111111111
SM
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6 fee
$ 3,167.00
Withdrawal Base
Rider Withdrawal
Amount
Remaining Rider
Withdrawal Amount
$573,616.00
$28,681.00
$28,681.00
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
rider year) OR 2) the highest tracked MonthiversarySM value (from the current rider year). This value may be higher or lower than your
current Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
Base, 2) the highest policy value on any rider MonthiversarySM in the last 12 months, or 3) the Withdrawal Base increased by an annual 5%
compounded growth rate if applicable. The Retirement Income ChoiceSM 1.6 rider guarantees the Rider Withdrawal Amount each rider year
for the life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
Remaining Rider
Withdrawal Amount
$28,681.00
Page 1 of 4
002-001-0-00001-4-0
This Period
Highest MonthiversarySM
Value 10/31/2007
11111 1 1 11 11 111
11 111 1111
11 11111 1
11 1111 1 1
11 11 1
1 111
111 1 111 111 1
Retirement Income ChoiceSM 1.6 fee
$348,615.00
Issued: 3/31/2003
11
1
111 1 11
1 1 11
11
1 111111
1 11 1 1
11 1
$28,681.00
Page 1 of 4
002-001-0-00001-4-0
Living Benefit Detail
Retirement Income ChoiceSM 1.6
As of 3/31/2013
1 111111
1 11 1 1
11 1
1 1 11
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
SM
rider
year)
OR 2) the highest tracked
Monthiversary
year). This value may be higher or lower than your
This
Period
Year
To Date value (from the current
Sincerider
Issue
current Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
Base,
2) the highest policy value on any rider MonthiversarySM in the last 12 months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
$0.00
SM
1.6 rider guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
Income Choice
$0.00
$0.00
for the life $0.00
of the annuitant, and spouse, if the joint
life option is elected, regardless
of your policy value. The Remaining Rider Withdrawal
-$1,581.00
Amount
is the amount available for withdrawal until the next rider anniversary date.
$348,615.00
12/31/2012
3/31/2013
11
1111 1 11
111 1 11
11 1
11
1 11
11
1
111 1 11
Remaining Rider
Withdrawal Amount
$348,615.00
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Amount
Product Transamerica Variable Annuity Series B Share
$449,443.00Death Benefit: Annual
$573,616.00
$28,681.00
Step-Up
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Ending Policy Value as of 3/31/2013
11
1
111 1 11
11 1 1 1 1 1 1 1 1
11
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
SM
www.transamericaannuities.com
1.6
Issued: 3/31/2003
Retirement Income Choice
As of 3/31/2013
Surrender Value as of
Surrender Value as of
1 1
11 11
The Highest Monthiversary Value is the greater of 1) your current realized Highest Monthiversary Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
002-001-0-00001-4-0
Your Representative
$348,615.00
Minimum Required Cash
Value
REGISTERED
REPRESENTATIVE
as of 3/31/2013
FINANCIAL INVESTMENTS
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Living Benefit Phone:
Detail555-555-5555
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
11
111 1 111 111 1
11111 1 1 11 11 111
11 111 1111
11 11111 1
11 1111 1 1
11 11 1
1 1 111 111 1 1
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11111111111111111111111111
Variable Annuity
$350,196.00
Surrender Value as ofTransamerica
12/31/2012
2013 - March 31,
2013
$348,615.00
Surrender Value as ofJanuary 13,
3/31/2013
Value Summary
1 1
11 11
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
SM
111 1 111 111 1
11 11
1
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
1 11 11 1
11 1111
11
11 1 1 1 1 1 1 1 1
11
$28,681.00
Value Summary
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Ending Policy Value as of 3/31/2013
11
1 111111
1 11 1 1
11 1
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Policy Detail
11
1
111 1 11
1 11 1 1
Living Benefit Detail
11 11111 1
1111111111111
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
1 1 1 1 1 1 1 1 111
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
111 1 111 111 1
11111 1 1 11 11 111
11 111 1111
11 11111 1
11 1111 1 1
11 11 1
1 1 111 111 1 1
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11111111111111111111111111
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
To Date
Since
Issue
SM
riderThis
year) Period
OR 2) the highest trackedYear
Monthiversary
value (from the current
rider
year). This value may be higher or lower than your
current
Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
$350,196.00
SM
Base, 2) the $0.00
highest policy value on any rider Monthiversary
in the last 12
months, or 3) the Withdrawal Base increased by an annual 5%
$0.00
$250,000.00
guarantees the Rider Withdrawal Amount each rider year
compounded
growth rate if applicable. The Retirement
$0.00 Income ChoiceSM 1.6 rider$0.00
$0.00
for the-$1,581.00
life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
Living Benefit Detail
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Policy Detail
11
1111 1 11
111 1 11
11 1
1 1 11
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
002-001-0-00001-4-0
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
11
1 11
Living Benefit Detail
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Value Summary
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
1 1
11 11
002-001-0-00001-4-0
Policy Detail
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
1
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
1 11 11 1
11 1111
11
11 1 1 1 1 1 1 1 1
11
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
11 11
1 1 1 1 1 1 1 1 111
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
111 1 111 111 1
11111 1 1 11 11 111
11 111 1111
11 11111 1
11 1111 1 1
11 11 1
1 1 111 111 1 1
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11111111111111111111111111
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
Monthiversary in Action
11
11 1 1 1 1 1 1 1 1
11
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
The living benefit was purchased June 15th and
the policy value was recorded every month
thereafter on the same date. In this case,
February 15th was the highest Monthiversary
1111111111111
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Value Summary
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
11 11
1
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
1 11 11 1
11 1111
11 111 1111
11 11111 1
11 1111 1 1
11 11 1
1 1 111 111 1 1
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11111111111111111111111111
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
002-001-0-00001-4-0
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
11
1111 1 11
111 1 11
11 1
1 1 11
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
Value Summary
1 1
11 11
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
1 11 11 1
11 1111
11
11 1 1 1 1 1 1 1 1
11
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
%
1111111111111
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
1 1 1 1 1 1 1 1 111
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
111 1 111 111 1
11111 1 1 11 11 111
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Policy Detail
11 11
1
111 1 111 111 1
11111 1 1 11 11 111
11 111 1111
11 11111 1
11 1111 1 1
11 11 1
1 1 111 111 1 1
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11111111111111111111111111
Living Benefit Detail
Living Benefit Detail
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
%
11
1 11
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
002-001-0-00001-4-0
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
Policy Detail
1 1
11 11
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Value Summary
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
11 11
1 1 1 1 1 1 1 1 111
1
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
1 11 11 1
11 1111
11111 1 1 11 11 111
11
11 111 1111
11 1111 1 1
11 1 1 1 1 1 1 1 1
11 11 1
1 1 111 111 1 1
11 111 111111 111 11 1
1111 1 1 1111 1 1111111
11
Living Benefit Detail
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
1111111111111
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
111 1 111 111 1
11 11111 1
11111111111111111111111111
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Policy Detail
11
1111 1 11
111 1 11
11 1
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
002-001-0-00001-4-0
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Value Summary
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
1111111111111
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
1 1 1 1 1 1 1 1 111
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
002-001-0-00001-4-0
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
11
Living Benefit Detail
Value Summary
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
1 1
11 11
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
1
1111 111 1111 1 1111 111
1 1 1 1 111 1 1 1
1 11 11 1
11 1111
11
11 1 1 1 1 1 1 1 1
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
11 11
1 1 1 1 1 1 1 1 111
1 11111 1 11 1 11 1 111
1 1 1 11 111 1 1 1 1111
11 1 1 1 1 111 11
11111 1 1 11 11 111
11 111 1111
11 1111 1 1
Living Benefit Detail
Value Summary
Withdrawal
Base
1111111111111
1 1 1 1 1 111111 11
111 1 1 1 111 1 111 1
111 1 111 111 1
11 11111 1
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
002-001-0-00001-4-0
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Policy Detail
This Period
Retirement Income ChoiceSM 1.6 fee
Highest MonthiversarySM
Withdrawal Base
Rider Withdrawal
Value 10/31/2007
Product Transamerica Variable Annuity Series BAmount
Share
Step-Up
$449,443.00 Death Benefit: Annual
$573,616.00
$28,681.00
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
www.transamericaannuities.com
Issued: 3/31/2003
Retirement Income ChoiceSM 1.6
As of 3/31/2013
Policy Detail
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
$250,000.00
$0.00
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
002-001-0-00001-4-0
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
Since Issue
$0.00
$0.00
Living Benefit Detail
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
Year To Date
$348,615.00
Ending Policy Value as of 3/31/2013
Transamerica Variable Annuity
Surrender Value as of January 12/31/2012
13, 2013 - March $350,196.00
31, 2013
$348,615.00
Surrender Value as of
3/31/2013
Your Representative
REGISTERED
REPRESENTATIVE
$348,615.00
Minimum Required Cash
Value
FINANCIAL INVESTMENTS
as of 3/31/2013
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Policy Detail
This Period
$350,196.00
$0.00
$0.00
-$1,581.00
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
SALLY SAMPLE
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Product Transamerica Variable Annuity Series B Share
Death Benefit: Annual Step-Up
Living Benefit: Retirement Income ChoiceSM 1.6
Type: IRA-Traditional
Value Summary
Beginning Policy Value
Total Premium Payments
Total Withdrawals
Value Change
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
www.transamericaannuities.com
Policy Detail
Value Summary
Annuitant: SALLY SAMPLE
Owner: SALLY SAMPLE
Issue Date: March 31, 2003
Policy Number: 123123123
Your Representative
REGISTERED REPRESENTATIVE
FINANCIAL INVESTMENTS
4333 EDGEWOOD ROAD NE
CEDAR RAPIDS, IA 52499
Phone: 555-555-5555
Attn: Annuity Customer Service
4333 Edgewood Road NE
Cedar Rapids, IA 52499
The Highest MonthiversarySM Value is the greater of 1) your current realized Highest MonthiversarySM Value (locked in from a previous
rider year) OR 2) the highest tracked MonthiversarySM value (from the current rider year). This value may be higher or lower than your
current Withdrawal Base. This may occur because the Withdrawal Base is calculated by identifying the highest of: 1) the current Withdrawal
Base, 2) the highest policy value on any rider MonthiversarySM in the last 12 months, or 3) the Withdrawal Base increased by an annual 5%
compounded growth rate if applicable. The Retirement Income ChoiceSM 1.6 rider guarantees the Rider Withdrawal Amount each rider year
for the life of the annuitant, and spouse, if the joint life option is elected, regardless of your policy value. The Remaining Rider Withdrawal
Amount is the amount available for withdrawal until the next rider anniversary date.
Page 1 of 4
We automatically lock-in the
highest monthly value and
step-up your Withdrawal
Base to this new value
002-001-0-00001-4-0
OND J FMAMJ J A SON D J FM
6
7
8
9
10
Any withdrawals, including those permitted under the living benefit, reduce your variable annuity’s policy value, death benefits and other values. Withdrawals may be
subject to surrender charges.
Maximize Retirement Income | 5
Select Your Investment Options
Now that you’ve selected the Retirement Income Max living benefit, you need to choose your
investment options. The living benefit offers you an active role in managing your money, so
work with your financial professional to design your portfolio.
Well Known Managers
American Funds Bond Fund – Class 2
TA JPMorgan Tactical Allocation
TA Aegon Money Market
TA PIMCO Tactical – Conservative
TA Aegon Tactical Vanguard ETF – Conservative
TA PIMCO Total Return
TA Aegon U.S. Government Securities
TA PineBridge Inflation Opportunities
TA Asset Allocation – Conservative
TA Vanguard ETF – Conservative
TA JPMorgan Core Bond
Guaranteed Fixed Accounts
You must allocate 100% of the policy value into one or more of the designated investment options. Transamerica
can remove a designated investment option at any time for both new contracts and existing contracts. The
investment options are subject to market fluctuation, investment risk, and possible loss of principal.
VSTRIM0215
Single or Joint Life Fee
Issue Ages*
1.25%
0 – 85
*Issue ages in New York are 58 – 85 for Single Life and 65 – 85 for Joint Life.
Living Benefit fee as of May 1, 2014. The living benefit fee is deducted on each living benefit quarter in arrears, and is an annual percentage of the Withdrawal Base.
The living benefit fee percentage may increase upon an Automatic Step-Up beginning with the first living benefit anniversary, but the maximum living benefit fee
percentage allowed is 0.75% higher than the initial living benefit fee percentage.
Because the living benefit fee is a percentage of the Withdrawal Base the amount of the fee will fluctuate as the Withdrawal Base increases or decreases. Even in the
event your policy value declines significantly the fee amount could be a much higher percentage of your policy value.
Vanguard, the ship logo, and Vanguard ETFs are trademarks of The Vanguard Group. Vanguard is one of the managers of the underlying ETFs.
All TA investment options invest in Transamerica Series Trust Service Class shares (Investment Adviser Transamerica Asset Management, Inc.). Please see
prospectus for details.
Investment option names may vary from their corresponding underlying portfolio names. Please see the contract prospectus for underlying portfolio names.
The investment objectives and policies of certain funds may be similar to those of other funds managed by the same investment advisor. No representation is made,
and there can be no assurance given, that any fund’s investment results will be comparable to the investment results of any other fund, including another fund with the
same investment advisor or manager.
An investment in the money market subaccount is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government
agency. Although it seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the subaccount.
6 | Maximize Retirement Income
Answers to Common Questions
When can I begin living benefit
withdrawals?
You must wait until the living benefit year after you turn age
59 to begin withdrawals permitted under the living benefit.
If the living benefit is purchased prior to age 59, the living
benefit fee still applies. Withdrawals of taxable amounts are
subject to ordinary income tax and may be subject to a 10%
additional federal tax if withdrawn before age 59½.
How is my income calculated?
Simply, we determine your income by multiplying two
amounts – your annual withdrawal percentage and your
withdrawal base. The withdrawal base does not establish
or guarantee policy value, surrender value, minimum death
benefit or return for an investment option.
Your annual withdrawal percentage is determined by your
age at the time your first withdrawal is taken.
Your withdrawal base is equal to the policy value when you
add the living benefit, plus any additional premium payments
you make, less any adjustments for excess withdrawals.
Every living benefit anniversary, the withdrawal base is set
to equal the greatest of the current withdrawal base,
the policy value, the highest living benefit Monthiversary
value, or the current withdrawal base with 5.5%
compounded growth.
When the withdrawal base is increased due to the policy
value or the highest Monthiversary value, the increase is
called an automatic step-up. Automatic step-ups and 5.5%
compounded growth affect the withdrawal base only and
do not affect policy value or other living benefit values.
Can my income go up?
Yes. We understand you want your retirement income
to keep up with inflation and that unexpected costs can
impact your lifestyle in retirement. After you’ve started taking
withdrawals, there is the opportunity for your living benefit
withdrawal amount to increase if your investment options
performed well.
For each of the 12 months leading up to a living benefit
anniversary, Transamerica will record the policy value on
each Monthiversary (e.g., if the policy is purchased on
January 15th, Transamerica will record the policy value on the
15th of each month).
On the living benefit anniversary date, Transamerica will
consider your policy value and the highest Monthiversary
value and “step-up” your withdrawal base to the greater
of these two values. We will base future withdrawals on
this new higher withdrawal base, resulting in a higher
withdrawal amount.
Can my income go down?
Your income will not decrease as long as your withdrawals
don’t exceed your annual living benefit withdrawal amount.
However, we understand that circumstances change and
you may find yourself needing to withdraw more than your
living benefit withdrawal amount in a given year. In that
event, your future withdrawals will be decreased because
excess withdrawals reduce your withdrawal base. Should
the variable annuity’s policy value fall to zero, you will receive
payments up to the amount allowed under the living benefit
for life. If an excess withdrawal causes the policy value to
reach zero, the living benefit and policy will terminate.
Required Minimum Distributions that exceed your annual
percentage rate are not considered excess withdrawals
and will not reduce your withdrawal base.
Do I always have to accept an
automatic step-up?
No. You have the right to reject an automatic step-up within
30 days following a living benefit anniversary, if the living
benefit fee percentage increases. If you reject an automatic
step-up, you must notify us in a manner which is acceptable
to us, however you are eligible for future automatic step-ups.
Changes as a result of the automatic step-up feature will be
reversed. Any increase in the living benefit fee percentage
will also be reversed, and the withdrawal base will be set to
its value prior to the automatic step-up.
How much does the variable
annuity cost?
Transamerica variable annuities’ range of fees and charges
include 0.45% – 1.90% M&E&A, 0% – 9% surrender
charges, $50 annual service charge, and investment option
management fees. A fund facilitation fee of up to 0.30%
annually may apply for certain investment options.
What is a variable annuity?
It is a long term investment product designed for retirement
purposes. The variable annuity policy value, death benefit
and other values will fluctuate based on the performance of
the investment options and may be worth more or less than
the total of all premiums paid when surrendered.
Before investing, consider a variable annuity’s investment objectives, risks, charges and expenses. Call 800-525-6205 for a contract and fund prospectus containing this
and other information. Please read it carefully.
All contract and living benefit guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of the issuing
insurance company. They are not backed by the broker/dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those
entities, and none makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
On the maximum annuity commencement date, the living benefit terminates. By annuitizing the policy, you will have the option to receive lifetime payments that are no less than the
withdrawals allowed by the living benefit. Annuitization must generally occur by the annuitant’s age 99.
Living benefit is referred to as rider in the contract.
All policies, living benefits, and forms may vary by state, and may not be available in all states.
ICC12 RGMB410513(IS), ICC12 RGMB410513(IJ), RGMB 41 0111 (IS) (FL), RGMB 410111 (IJ) (FL), RGMB 41 0514R (IS)(NY), RGMB 41 0514R (IJ)(NY)
Transamerica Financial Life Insurance Company is licensed in New York.
Maximize Retirement Income | 7
“Serving the
needs of others
is the only
legitimate
business today”
A.P. Giannini
Founder, Transamerica Corporation
Financial strength to count on.
A+
A.M. Best
2nd of 16 categories
AA-
Fitch
4th of 19 categories
A1
Moody’s
5th of 21 categories
AA-
Standard and Poor’s
4th of 21 categories
The financial strength ratings are subject to change and are not guarantees
of future financial strength.
All ratings shown measure financial strength for Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company, ratings are as of 6/30/2014. For current rating
information, visit transamerica.com. They do not apply to the performance or stability of a company’s variable product investment options. A.M. Best, Fitch, Moody’s and Standard & Poor’s are
credit rating organizations dedicated to serving the insurance and other financial services industries.
While ratings can be objective indicators of an insurance company’s financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees
of the future financial strength and/or claims-paying ability of a company and do not apply to any underlying variable investment options. The broker-dealer from which an annuity is
purchased, the insurance agency from which an annuity is purchased and any affiliates of those entities make no representations regarding the quality of the analysis conducted by the rating
agencies. The rating agencies are not affiliated with the above mentioned entities nor were they involved in any rating agency’s analysis of the insurance companies.
Important Information
For federal tax purposes, married same sex individuals are recognized as “spouses”. The IRS has adopted a rule providing that the term “spouse” does not include an individual who has
entered into a registered domestic partnership, civil union, or other similar relationship. The status of these relationships for state purposes may vary based on the applicable state law.
Transamerica intends to administer variable annuity contracts consistent with the IRS rulings until further notice. Please contact a qualified tax advisor prior to purchasing to discuss how
exercising spousal continuation benefits under this contract or any living benefits will affect you for both federal and state tax purposes. Please see prospectus for more details.
Financial institutions that sell our products may have their own guidelines to determine suitability of our variable annuity policies and/or living
benefits. Some financial institutions may not sell all of our products, may have specific issue ages for our variable annuity policies, and may
not have all living and death benefits available.
© 2015 Transamerica Capital, Inc.
8 | Maximize Retirement Income
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