IMPORTANT INFORMATION
Variable annuities are long-term investments and sold by prospectus. Before investing, you should consider the investment objectives, risks, charges, and expenses. This and other important information are contained in the prospectus. Please read it carefully before investing.
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.
Variable annuity fees and charges include mortality and expense risk fee and administrative charge, surrender charges, annual fee, and investment option management fee. Additional fees may apply to optional benefits selected, including living benefit riders.
Variable annuities are underwritten and distributed by Transamerica Capital, Inc. 1801 California St., Suite 5200, Denver CO 80202, FINRA member. Fixed index annuities are issued by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
All guarantees, including optional benefits, are based on the claims-paying ability of the insurance company issuing the annuity. Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% additional federal tax if withdrawn before age 59½.
IMPORTANT INFORMATION
A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock market or in the indexes. Index account interest is based, in part, on index performance.
Past performance of an index is not an indication of future index performance. There is no guarantee that the index interest rate will be greater than zero percent. There is no guarantee that the Company will declare an interest rate greater than the guaranteed minimum effective interest rate. Although fixed index annuities provide protection against losses from market volatility, it may be possible to lose principal due to surrender charges, MVAs, or other fees.
