Transamerica Select^SM

Transamerica Life Insurance Company's Single Premium Deferred Annuity

Locked-in interest rates to which you hold the key.

The Transamerica Select^SM single premium deferred annuity is a great way to take charge of your retirement by creating a tax-deferred,¹ interest-earning vehicle to provide you with not just guaranteed* income for your future, but also flexibility and control.

A variety of guaranteed* rates

With Transamerica Select^SM, you can choose the guarantee* period (from 2 to 8 years), and corresponding guaranteed interest rate, that's right for your needs. All guarantee periods may not be available at all times. Please ask your Transamerica representative for durations currently available. At the end of the guaranteed* period, your credited rate will be declared annually by the company on each policy anniversary.

• Minimum single premium of $2,000 for qualified and $10,000 for non-qualified funds.² The maximum premium payment accepted without prior approval from Transamerica Life Insurance Company is $1,000,000.
• Guaranteed 1.5% minimum interest rate.
• An eight-year surrender charge schedule applies to partial or full surrenders (8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% of amount withdrawn in excess of the surrender charge-free amount). The duration of the surrender charge will match the initial guarantee* period. The entire eight-year surrender charge would apply only if the eight-year guarantee* period was selected at issue.

• Beginning in the first policy year, you may withdraw up to the amount of cumulative interest credited (determined at the time of withdrawal).
• Minimum Required Distribution – For qualified annuities, partial withdrawals taken to satisfy minimum required distribution requirements with respect to this policy under the Internal Revenue Code.
• Nursing Care and Terminal Condition Withdrawal Options – After the first policy year, you may withdraw all or a portion of the policy value surrender charge-free if you or your spouse (annuitant or annuitant's spouse if the owner is not a natural person) have been confined in a hospital or nursing facility for at least 30 consecutive days, or are diagnosed as having a terminal condition with less than 12 months to live. Confinement must begin or diagnosis must be made on or after the policy date. Minimum withdrawal amount is $1,000 (Not available to owner's spouse (or annuitant's spouse if the owner is not a natural person) and the minimum withdrawal amount is $500 in NJ. Options not available in MA.
• Systematic Payout Option (SPO) — Beginning in the first policy year, you may make regular withdrawals ($40 minimum) from your cumulative interest on a monthly, quarterly, semi-annual, or annual basis.
• Easy annuitization — After the first policy year, you can start to receive monthly retirement income. Annuity payment option elected must provide for a lifetime income or income for a period of at least 60 months.⁴

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