Trans 10, from Transamerica Life Insurance Company, is a flexible premium deferred fixed annuity that can help increase your retirement saving with guaranteed^* interest rates.

• Maximum issue age is 85 (Owner or Annuitant)
• Maximum total premium is $1,000,000 without prior company approval
• Choose between Trans 10 with the Enhanced Rate Option and Trans 10 with the Full Feature Rider. In Connecticut, Delaware, Florida, Massachusetts, Minnesota, New Jersey, Oregon, Utah, and Washington Trans 10 is available only with the Full Feature Rider. The Enhanced Rate Option is not available in these states.
• Guaranteed 2% minimum interest rate for the first ten policy years and 1.5% thereafter. The guaranteed cash values will always be at least as great as the minimum cash values required by your state.
• A ten-year surrender charge schedule in most states. Enhanced Rate Option - 12%, 11%, 10%, 9%, 8%, 7%, 6%, 5%, 4%, 2% and Full Feature Rider - 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% of the amount withdrawn in excess of the surrender charge-free amount. The surrender charge schedule for the Full Feature Rider in IN, MD, MN, and PA is 8%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%.
• Start with as little as $2,000 for qualified and $5,000 for non-qualified funds. There is no additional tax deferral benefit derived from placing IRA or other tax-qualified funds into an annuity. Features other than tax deferral should be considered in the purchase of a qualified annuity.
• Additional premium payments are accepted in all policy years ($1,000 minimum).

• Additional Interest Credit of currently 2% is added to the initial base interest rate to establish the initial total interest rate. The additional interest credit is guaranteed for one premium year. Additional premium payments made during the first policy year will also receive a current 2% additional interest credit for one premium year. For future policy issues, the additional interest credit may vary from 1% to 3%, except in OR and WA where the additional interest credit is fixed at 2%.
• Premium Enhancement. During the first policy year, if the total cumulative gross premiums paid at the time of each premium payment are equal to or greater than $75,000, then a premium enhancement currently equal to 1% will be applied only to that premium payment and the resulting amount will be added to the policy value. This addition is not considered a premium payment. No Premium Enhancement will apply if the policy is cancelled pursuant to the Right to Cancel Provision. For future policy issues, the Premium Enhancement may vary from 0.25% to 2% except in OR and WA where the Premium Enhancement is fixed at 1%.
• Nursing Care and Terminal Condition Withdrawal Options provide for 100% of the surrender charge to be waived when the annuity owner or owner’s spouse (annuitant or annuitant’s spouse if the owner is not a natural person) is confined to a hospital or nursing facility for at least 30 consecutive days or is diagnosed as having a terminal condition. Confinement must begin or diagnosis must be made on or after policy date. Minimum distribution is $1,000 ($500 in New Jersey). Options available during the first policy year. Not available in all jurisdictions. Option not available to spouse of owner or annuitant in New Jersey. Restrictions may apply.
• Minimum Required Distribution for your annuity will be calculated and distributed to meet IRS requirements at your request to the Company without company-imposed surrender charges, and if your annuity is set up as a traditional IRA or other qualified retirement plan.
• Additional withdrawal options are available.
• If any partial withdrawal reduces the cash value below $2,000, we reserve the right to pay the full cash value and terminate the policy.
• Under current federal tax laws, amounts withdrawn or distributed are subject, in whole or in part, to federal income tax. State income tax may also be applicable. In addition, a 10% federal income tax penalty may apply if distributions are made prior to the owner reaching age 59½.

A Transamerica representative can help explain all the details of the Trans 10^SM annuity and how it may meet your needs.

^*Guarantees are based on the claims-paying ability of Transamerica Life Insurance Company.

Trans 10^SM (Policy Form #AF810 101 198 1204 and RDR 1 1204; FL Policy Form #AF985 101 198 1204; OR Policy Form #AF823 101 198 1204) is a flexible premium deferred fixed annuity issued by Transamerica Life Insurance Company, Cedar Rapids, IA 52499. Policy form and number may vary, and this product and its features may not be available in all jurisdictions. Not available in New York. Trans 10 is a modified flexible premium deferred annuity in WA where premiums are not accepted after the first policy year.

PSI 3179 0709

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