Financial Strength

The predecessor of Transamerica Life Insurance Company was founded in 1906. With more than a century of experience, Transamerica has built a reputation on solid management, sound decisions and consumer confidence. In 1999, Transamerica was acquired by AEGON N.V.

AEGON is an international life insurance, pensions and asset management company headquartered in The Hague. AEGON has businesses in over 20 markets in the Americas, Europe and Asia and its ambition is to be a leader in all its chosen markets by 2015. For information about AEGON's financial results and strategies, please visit www.aegon.com.

While no company in the financial services industry is immune to the turmoil in today's financial markets, the AEGON companies have a strong balance sheet, healthy cash flows and ample liquidity. AEGON's business model is to sell long-term products to their customers and then to invest the premiums received in long-term assets.

We at Transamerica will continue to do as we have always done, and that is to focus on delivering quality products and service to our customers and distributors.

Consistently high ratings are a direct reflection of the care with which we manage our business. Transamerica's life insurance subsidiaries have received high ratings from the industry's most respected independent rating services.

	A.M. Best	Moody's	Fitch	Standard & Poor's
Transamerica Life Insurance Company	A+	A1	AA-	AA-
Transamerica Financial Life Insurance Company	A+	A1	AA-	AA-
Transamerica Advisors Life Insurance Company	A+		AA-	AA-
Transamerica Advisors Life Insurance Company of New York	A+		AA-	AA-
Monumental Life Insurance Company	A+	A1	AA-	AA-
Stonebridge Casualty Insurance Company	A
Stonebridge Life Insurance Company	A+		AA-	AA-
Western Reserve Life Assurance Co. of Ohio	A+	A1	AA-	AA-
Transamerica Life Canada	A-		AA-	BBB+

Ratings reflect the opinion of the relative financial strength and operating performance of the company as of the following effective dates. A.M. Best Company, Fitch, Moody’s and Standard & Poor’s are credit rating organizations dedicated to serving the insurance and other financial services industries.

Click to view the current ratings analysis from A.M. Best, Fitch, Moody's or Standard & Poor's.

A.M. Best Company: May 8, 2013 for all companies except Stonebridge Casualty Insurance Company rated on June 19, 2012.
Moody's Investors Service: October 25, 2012
Fitch Ratings: May 03, 2013
Standard & Poor's: January 3, 2013

A.M. Best's A+ rating is the second highest of 16 ratings, Standard & Poor's AA- rating is the fourth highest of 21 ratings, Moody's A1 rating is the fifth highest of 21 ratings and Fitch's AA- rating is the fourth highest of 19 ratings.

Home Office

4333 Edgewood Road NE
Cedar Rapids, IA 52499
(319) 355-8511

• - Company Strength Brochure
• - Effective October 2, 2008 Life Investors Insurance Company of America merged with Transamerica Life Insurance Company.
• - Effective October 1, 2008 Transamerica Occidental Life Insurance Company merged with Transamerica Life Insurance Company.
• - $1,213 billion of insurance in force as of December 31, 2011.
• - Licensed in all states (except New York) and the District of Columbia.
• - Providing insurance products since 1961.
• - State of Domicile Iowa; NAIC Number 86231.

FINANCIALS ($ US Millions)	2012	2011
Assets(1)	$105,497	$102,718
Liabilities(2)	$99,111	$96,717
Total Capital and Surplus(2)	$6,386	$6,001

Ratings

• - A.M. Best: A+
• - Moody's: A1
• - Fitch: AA-
• - Standard & Poor's: AA-

Home Office

440 Mamaroneck Avenue
Harrison, NY 10528
(914) 627-3630

• - Company Strength Brochure
• - $276 billion of insurance in force as of December 31, 2011.
• - Licensed in all states and the District of Columbia.
• - Providing insurance products since 1947.
• - State of Domicile New York; NAIC Number 70688.

FINANCIALS ($ US Millions)	2012	2011
Assets(1)	$26,959	$25,478
Liabilities(2)	$26,005	$24,684
Total Capital and Surplus(2)	$954	$794

Ratings

• - A.M. Best: A+
• - Moody's: A1
• - Fitch: AA-
• - Standard & Poor's: AA-

Home Office

425 West Capital Avenue, Ste 1800
Little Rock, AR 72201

Administrative Office

4333 Edgewood Rd NE
Cedar Rapids, IA 52499
(319) 355-8511

• - Company Strength Brochure
• - SEC Filings
• - Acquired on December 28, 2007.
• - $6 billion of insurance in force as of December 31, 2011.
• - Licensed in all states (except New York) and the District of Columbia.
• - State of Domicile Arkansas; NAIC Number 79022.

FINANCIALS ($ US Millions)	2012	2011
Assets(1)	$10,032	$10,051
Liabilities(2)	$9,383	$9,601
Total Capital and Surplus(2)	$649	$450

Ratings

• - A.M. Best: A+
• - Fitch: AA-
• - Standard & Poor's: AA-

Home Office

440 Mamaroneck Avenue
Harrison, NY 10528
(914) 627-3123

Administrative Office

4333 Edgewood Rd NE
Cedar Rapids, IA 52499
(319) 355-8511

• - Company Strength Brochure
• - SEC Filings
• - Acquired on December 28, 2007.
• - $372 million of insurance in force as of December 31, 2011.
• - Licensed in Connecticut, Delaware, Maine, Massachusetts, New Hampshire, New Jersey, New York, Rhode Island and Vermont.
• - State of Domicile New York; NAIC Number 82848.

FINANCIALS ($ US Millions)	2012	2011
Assets(1)	$751	$760
Liabilities(2)	$673	$701
Total Capital and Surplus(2)	$78	$59

Ratings

• - A.M. Best: A+
• - Fitch: AA-
• - Standard & Poor's: AA-

Home Office

4333 Edgewood Rd NE
Cedar Rapids, IA 52499
(319) 355-8511

Administrative Office

100 Light Street
Baltimore, MD 21202
(410) 576-4571

• - Company Strength Brochure
• - Effective October 1, 2007 Peoples Benefit Life Insurance Company merged with Monumental Life Insurance Company.
• - $65 billion of insurance in force as of December 31, 2011.
• - Licensed in all states (except New York) and the District of Columbia.
• - Providing insurance products since 1858.
• - State of Domicile Iowa; NAIC Number 66281.

FINANCIALS ($ US Millions)	2012	2011
Assets(1)	$31,057	$31,107
Liabilities(2)	$30,054	$29,944
Total Capital and Surplus(2)	$1,003	$1,163

Ratings

• - A.M. Best: A+
• - Moody's: A1
• - Fitch: AA-
• - Standard & Poor's: AA-

Home Office

366 E. Broad Street
Columbus, OH 43215

Administrative Office

520 Park Avenue
Baltimore, MD 21201
(410) 685-5500

• - Company Strength Brochure
• - Licensed in all states and the District of Columbia.
• - State of Domicile Ohio; NAIC Number 10952.

FINANCIALS ($ US Millions)	2012	2011
Assets(1)	$304	$276
Liabilities	$199	$186
Total Capital and Surplus	$105	$90

Ratings

• - A.M. Best: A

Home Office

187 West Street
Rutland, VT 05701
(802) 775-8877

Administrative Office

2700 West Plano Parkway-3C
Plano, TX 75075
(972) 881-6000

• - Company Strength Brochure
• - $11 billion of insurance in force as of December 31, 2011.
• - Licensed in all states (except New York) and the District of Columbia.
• - Providing insurance products since 1900.
• - State of Domicile Vermont; NAIC Number 65021.

FINANCIALS ($ US Millions)	2012	2011
Assets(1)	$1,677	$1,750
Liabilities(2)	$1,546	$1,573
Total Capital and Surplus(2)	$131	$177

Ratings

• - A.M. Best: A+
• - Fitch: AA-
• - Standard & Poor's: AA-

Home Office

366 E. Broad Street
Columbus, OH 43215

Administrative Office

570 Carillon Parkway
St. Petersburg, FL 33716
(727) 299-1800

• - Company Strength Brochure
• - $115 billion of insurance in force as of December 31, 2011.
• - Licensed in all states (except New York) and the District of Columbia.
• - Providing insurance products since 1979.
• - State of Domicile Ohio; NAIC Number 91413.

FINANCIALS ($ US millions)	2012	2011
Assets(1)	$8,601	$8,423
Liabilities(2)	$8,270	$8,139
Total Capital and Surplus(2)	$331	$284

Ratings

• - A.M. Best: A+
• - Moody's: A1
• - Fitch: AA-
• - Standard & Poor's: AA-

Home Office

5000 Yonge Street
Toronto, Ontario, Canada
M2N-7J8
(416) 883-5000

• - Transamerica Life Canada is not licensed to conduct business in any state in the U.S., the District of Columbia, or U.S. territories.
• - Canadian Premier Life was acquired by Transamerica Life Canada on 6/30/12; 2011 figures were not restated.

FINANCIALS (CA$ Canadian dollars - millions)	2012	2011
Assets(3)	10,272	9,860
Liabilities(2)	9,120	8,862
Total Capital and Surplus(2)	1,152	998

Ratings

• - A.M. Best: A-
• - Fitch: AA-
• - Standard & Poor's: BBB+

Home Office

Travessa Belas Artes, 15 Centro
Rio de Janeiro - RJ - Brazil 20060-000
55 21 3722-2200

• - Effective May 2009, AEGON acquired 50% of Mongeral Seguros e Previdência
• - 231,264 individual clients as of December 31, 2011.
• - R$ 486,910,000 in premiums from January to December 2011.
• - Licensed in all states of Brazil.
• - Not licensed to conduct business in any state in the U.S., the District of Columbia, or U.S. territories.
• - Founded in 1835.

FINANCIALS (R$ Brazilian reais - thousands)	2012	2011
Assets(1)	649,785	525,752
Liabilities(2)	507,740	397,670
Total Capital and Surplus(2)	142	128,082

Home Office

Insurgentes 1685-2 Col.
Guadalupe Inn C.P. 01020
(+5255 1500 1600)

• - Effective October 2006, AEGON acquired 49% of Seguros Argos, S.A. de C.V.
• - 537,379 policies in force as of December 31, 2011.
• - MXN$ 2,398 million in issued premiums from January to December 2011.
• - Licensed in all Mexican states.
• - Not licensed to conduct business in any state in the U.S., the District of Columbia, or U.S. territories.
• - Founded in 2002.

FINANCIALS (MXN$ Mexican pesos - thousands)	2012	2011
Assets(1)	2,033,376	1,809,743
Liabilities(2)	1,758,289	1,579,789
Total Capital and Surplus(2)	275,087	229,954