VARIABLE ANNUITY COMPARISON

Variable Annuity Comparison

We offer one of the most comprehensive suites of annuities in the industry. Let our expertise and innovation help you grow and protect your clients' assets at the most crucial stage of their lives.

The Transamerica Variable Annuity Series products include B-Share, C-Share and X-Share.

B-Share
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.15% (Policy Value Death Benefit)
  • 1.30% (Return of Premium Death Benefit)
  • 1.50% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6
7
8+
8%
8%
7%
6%
5%
4%
3%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
C-Share
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.55% (Policy Value Death Benefit)
  • 1.70% (Return of Premium Death Benefit)
  • 1.90% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
Unlimited
No Surrender Charges
-
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
X-Share
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.50% (Policy Value Death Benefit)
  • 1.65% (Return of Premium Death Benefit)
  • 1.85% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6
7
8
9
10+
9%
8%
7%
6%
5%
4%
3%
2%
1%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
O-Share
Issue Age
0-85
Minimum Initial Premium
  • $10,000 (Qualified and non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 0.90% (Return of Premium Death Benefit)
  • 1.10% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of remaining premiums still subject to premium based charges that have not been previously withdrawn in the current policy year plus all remaining premiums no longer subject to premium based charges
Premium Charge Schedule3
Cumulative Premium Range Premium Based Charge %
Less than $50,000
$50,000 to less than $100,000
$100,000 to less than $250,000
$250,000 to less than $500,000
$500,000 to less than $1,000,000
$1,000,000 and greater
5.00%
4.50%
3.50%
2.50%
2.00%
1.25%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
Transamerica Inspire
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.30% (Return of Premium Death Benefit)
  • 1.50% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6
7
8+
8%
8%
7%
6%
5%
4%
3%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
Transamerica PrincipiumSM III
Issue Age
0-90
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 0.85% (Policy Value Death Benefit)
  • 1.00% (Return of Premium Death Benefit)
  • 1.20% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6+
5%
4%
3%
2%
1%
0%
Annual Fund Facilitation Fee
None
Investment Option Management Fee
Please see prospectus for details
Transamerica AxiomSM II
Issue Age
0-90
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.00% (Policy Value Death Benefit)
  • 1.15% (Return of Premium Death Benefit)
  • 1.35% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6+
5%
4%
3%
2%
1%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
I-Share
Issue Age
0-90
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 0.20% (Policy Value Death Benefit)
  • 0.30% (Return of Premium Death Benefit)
  • 0.60% (Annual Step-Up Death Benefit))
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
Unlimited
No Surrender Charges
-
Annual Fund Facilitation Fee
Up to 0.60% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
B-Share
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.15% (Policy Value Death Benefit)
  • 1.30% (Return of Premium Death Benefit)
  • 1.50% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6
7
8+
8%
8%
7%
6%
5%
4%
3%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
C-Share
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.55% (Policy Value Death Benefit)
  • 1.70% (Return of Premium Death Benefit)
  • 1.90% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
Unlimited
No Surrender Charges
-
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
X-Share
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.50% (Policy Value Death Benefit)
  • 1.65% (Return of Premium Death Benefit)
  • 1.85% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6
7
8
9
10+
9%
8%
7%
6%
5%
4%
3%
2%
1%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
O-Share
Issue Age
0-85
Minimum Initial Premium
  • $10,000 (Qualified and non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 0.90% (Return of Premium Death Benefit)
  • 1.10% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of remaining premiums still subject to premium based charges that have not been previously withdrawn in the current policy year plus all remaining premiums no longer subject to premium based charges
Premium Charge Schedule3
Cumulative Premium Range Premium Based Charge %
Less than $50,000
$50,000 to less than $100,000
$100,000 to less than $250,000
$250,000 to less than $500,000
$500,000 to less than $1,000,000
$1,000,000 and greater
5.00%
4.50%
3.50%
2.50%
2.00%
1.25%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
Transamerica Inspire
Issue Age
0-89
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.30% (Return of Premium Death Benefit)
  • 1.50% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6
7
8+
8%
8%
7%
6%
5%
4%
3%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
Transamerica PrincipiumSM III
Issue Age
0-90
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 0.85% (Policy Value Death Benefit)
  • 1.00% (Return of Premium Death Benefit)
  • 1.20% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6+
5%
4%
3%
2%
1%
0%
Annual Fund Facilitation Fee
None
Investment Option Management Fee
Please see prospectus for details
Transamerica AxiomSM II
Issue Age
0-90
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 1.00% (Policy Value Death Benefit)
  • 1.15% (Return of Premium Death Benefit)
  • 1.35% (Annual Step-Up Death Benefit)
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
10% of gross premium3
Surrender Charge Schedule
Years Since Premium Payment %
1
2
3
4
5
6+
5%
4%
3%
2%
1%
0%
Annual Fund Facilitation Fee
Up to 0.30% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details
I-Share
Issue Age
0-90
Minimum Initial Premium
  • $1,000 (Qualified)
  • $5,000 (Non-qualified)
Minimum Subsequent Premiums
$50
Maximum Subsequent Premiums (per policy year after 1st policy anniversary)
$25,000 (Non-qualified), Lesser of $60,000 or IRS Contribution limit (Qualified)
Maximum Cumulative Premiums
  • $1,000,000 (0-80)
  • $500,000 (Over age 80)
Annual Mortality and Expense Fee and Administrative Charge (M&E&A)1
  • 0.20% (Policy Value Death Benefit)
  • 0.30% (Return of Premium Death Benefit)
  • 0.60% (Annual Step-Up Death Benefit))
Annual Service Charge
$502 (but no more than 2% of policy value)
Withdrawal Amount Available Without Surrender Charge
Unlimited
No Surrender Charges
-
Annual Fund Facilitation Fee
Up to 0.60% annualized fee assessed daily as a percentage of the value of certain subaccounts.
Investment Option Management Fee
Please see prospectus for details