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The Transamerica Variable Annuity O-Share offers a premium-based pricing structure and gives you the ability to customize your annuity with optional living and death benefits. These give you the opportunity to grow and protect retirement income and transfer assets to loved ones.
Guaranteed Fixed Account
|Investment Adviser/Sub-Adviser||Investment Options|
All guarantees, including optional benefits, are backed by 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. $15 may be waived if e-delivery is elected. Waivers are subject to change and may not always be available.
3 Premium based charges are a percentage of premium payments calculated based on the cumulative premiums.
Premium based charges are assessed over 28 policy quarters from the date of each premium payment.
Total premiums received in the first three months after the policy date will be assigned a premium based charge at
the end of the third policy month. Once a premium based charge percentage is assigned to a premium, the percentage
will never change.
Not all features are available in all states and may vary by state.
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.
All policies, riders, and forms may vary by state, and may not be available in all states. ICC13 VAO1013, NIC13 VAO1013(FL), NIC VAO1013(NY), ICC16 RGMB520616(IS), ICC16 RGMB520616(IJ), NIC16 RGMB520616(IS)(FL), NIC16 RGMB520616(IJ)(FL), NIC16 RGMB520616(IS)(NY), NIC16 RGMB520616(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.
Other investment options may be available.
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 now operates as a “government” money market fund under new federal regulations, which became 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.
You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. The Fund may impose a fee upon sale of your shares or may temporarily suspend your ability to sell shares if the Fund's liquidity falls below required minimums because of market conditions or other factors. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
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.