* The guaranteed future value is the policy value multiplied by the protection level percentage on the living benefit date. After the living benefit date, the guaranteed future value is increased by a percentage of subsequent payments multiplied by the protection level percentage and reduced for adjusted withdrawals.
Before investing, consider a variable annuity’s investment objectives, risks, charges, and expenses. Go to transamerica.com for prospectuses containing this and other information. Please read carefully.
The Transamerica Principal Optimizer℠ living benefit requires 30% of Policy Value to be allocated to the Stable Account and 70% of Policy Value to the Select and Flexible Investment Options.
All guarantees, including optional living benefits, are based on the claims-paying ability of the issuing insurance company.
The fee for Transamerica Principal Optimizer is 1.35%. Fee is deducted each benefit quarter in arrears as a percentage of the greater of the withdrawal base or the guaranteed future value. The fee will be deducted on a pro rata basis from the Select and Flexible Options at the end of each living benefit quarter and only deducted from the Stable Account if the other options are exhausted. For New York only, once the Select and Flexible Investment Options are exhausted, no living benefit fee will be deducted. Maximum living benefit fee is 2.50%.
The withdrawal and protection level percentages and living benefit fees along with required allocations, valuation frequency, and minimum benefit age listed within may change and may not be the most current. The most current information is disclosed in the applicable Rate Sheet Prospectus Supplement, which may be amended by us from time to time. Please contact our administrative office to determine whether the information above have been amended. You should not purchase this living benefit without first obtaining the applicable Rate Sheet Prospectus Supplement.
Living benefit is referred to as a rider in the contract.
All policies, benefits, and forms may vary by state, and may not be available in all states. ICC19 TRGL22IC-R0319(IS), ICC19 TRGL22IC-R0319(IJ), TRGL22FL-R0319(IS), TRGL22FL-R0319(IJ), FRGL22NY-R0319(IS), FRGL22NY-R0319(IJ).