ANNUITIES

Protect your income

Tailor your retirement strategy to your needs.

A 65-year-old man today can expect to live to 84; a woman will typically live to 86. One out of four 65-year-olds will live past 90 and one in ten will live to at least 95. With good planning, these could be the best years of a person’s life.

If you want to learn how to help your retirement strategy supplement your retirement income, you may want to think about protecting your income with an annuity.

Social Security Administration, Calculators: Life Expectancy, 2017

Annuities can offer optional benefits that may give you the opportunity for a tailored retirement strategy. Think about what you want your retirement investment to do for you.

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PERFORMANCE PROSPECTUS OTHER PERFORMANCE

Clarify the complexity of annuities

Annuities are long-term investments designed to help your retirement in two vital phases: accumulation and distribution.

It's important to discuss with your financial professional if this is an appropriate option for you. For some, it can work great. For others, it's not the best fit. That's why we encourage you to understand how they work and what your options are.

What's a variable annuity?

A variable annuity is a contract between the owner and an insurance company that combines the flexibility and growth potential of professionally managed investment options with tax deferral and insurance company guarantees. This unique combination can be a valuable component of your long-term retirement plan.

They generally offer access to a wide range of professionally managed investment options, including money market, bond, and stock options, as well as diversified investment options managed to meet specific objectives. The variety of available choices allows you to develop an investment strategy tailored to your unique needs. Investment options are subject to market fluctuation, investment risk, and possible loss of principal.

What's a fixed index annuity?

A fixed index annuity (known for its tax-deferred benefits) is a contract between you and an insurance company that provides a guaranteed minimum interest rate, tax-deferred growth, and guaranteed payments through annuitization in retirement. This unique combination of benefits can make fixed index annuities an ideal low-risk component of your long-term retirement plan. Fixed index annuities are a type of fixed annuity that earns interest, in part, based on changes in a market index, which measures how the market or part of the market performs. All guarantees are based on the claims-paying ability of the issuing insurance company.

The potential for interest credited to the policy is affected by changes in the index over the crediting period and isn’t affected by the index directly. Even though changes in the index affect the index interest credited to the annuity policy, a fixed index annuity is not an investment in the stock market and does not participate in equities, commodities, fixed income, or currencies.

You can add more benefits to your annuity

Once you've chosen your preferred annuity type, you can also choose to add an additional benefit (for an extra fee). Here are a few of our most popular benefits.

Retirement Income Max®

This optional living benefit offers a higher growth rate than our other living benefits with the opportunity to double your withdrawal base in the first 10 years if no withdrawals are taken in a living benefit year during the 10-year period. The withdrawal base does not establish or guarantee policy value, surrender value, minimum death benefit, or return for an investment option.

Transamerica Income Edge

In rising markets, it gives you investment flexibility and automatically locks in your highest policy value on your living benefit anniversary.

Retirement Income Choice®1.6

Get stable lifetime income you’ll never outlive, plus the opportunity to let your withdrawal base grow – guaranteed, in up markets and down.

Additional Death Distribution+

Leave a legacy for your loved ones by choosing optional survivor benefits with your Transamerica variable annuity.

Have a variable annuity? Track its performance.

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Discuss what it means to protect your income and loved ones.

What else should I be asking?

Your financial professional can help you dive even deeper into Transamerica annuities, optional living benefits, optional survivor benefits, and more.