Transamerica Retirement Income PlusSM
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Transamerica Retirement Income PlusSM is a variable annuity that contains the key components you need to build a guaranteed retirement income – without some of the complexity. It offers a higher withdrawal rate in a streamlined package.
Prospectus, SAI & Supplements
Underlying Fund Documents
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
1 M&E&A is an annual fee assessed daily and is a percentage of the subaccount policy value.
2 Up to $35 waived with net premiums paid or policy value of $50,000 or more; up to $50 waived with net premiums paid or policy value of $250,000 or more.
3 10% of premium payments, less any prior withdrawals in the same policy year. ($500 minimum)
4 Living benefit fee is deducted each quarter in arrears as a percentage of the withdrawal base. Living Benefit fee percentage may increase.
Variable annuities are subject to investment risk, including possible loss of principal. Due to fluctuating market conditions, at the time of distribution, your annuity value may be more or less than the total of all premium payments.
Not all features are available in all states and may vary by state.
All policies, riders, and forms may vary by state, and may not be available in all states. ICC12 VA0513, NIC12 VA0513(FL), NIC12 VA0513(NY), RGMD 8 0603, RGMD 8 0513(NY), RGMD 8 0603 (OR), ICC13 RGMB460513(IS), ICC13 RGMB460513(IJ), NIC13 RGMB460513(IS)(FL), NIC13 RGMB460513(IJ)(FL), NIC13 RGMB460513(IS)(NY), NIC13 RGMB460513(IJ)(NY)
Investment options may vary by states.
These investment options are intended to be sold to certain asset allocation portfolios and to separate accounts of Transamerica Life Insurance Company or Transamerica Financial Life Insurance Company to fund the benefits under certain individual flexible premium variable insurance policies.
Investment option names may vary from their corresponding underlying portfolio names. Please see the contract prospectus for underlying portfolio names.
TA investment options invest in Transamerica Series Trust Service Class shares (Investment Adviser Transamerica Asset Management, Inc.) The prospectus describes the portfolios that are available in the policy or annuity contract that you have chosen.
Transamerica Aegon Money Market VP changed its name to Transamerica Aegon Government Money Market VP, and the fund will operate as a “government” money market fund under new federal regulations, which become fully effective on October 14, 2016. A “government” money market fund invests at least 99.5% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. An investment in the fund is not a bank deposit and is not insured or guaranteed by the FDIC or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Transamerica Asset Management, Inc. and its affiliates are under no obligation to provide financial support to the fund or take other measures to ensure that you do not lose money on your investment in the fund. As a government money market fund, the fund is not required to impose a fee upon sale of your shares (liquidity fees) or temporarily suspend your ability to sell shares if the fund liquidity falls below required minimums (redemption gates), and has no current intention to voluntarily impose such liquidity fees or redemption gates. However, the Board of Trustees reserves the right to impose liquidity fees and/or redemption gates in the future.
The underlying funds of the investment options have different strategies and risks; please see the underlying funds’ prospectuses for a complete description of these strategies and risks for the available investment options.