Transamerica Advisory Annuity SM

Build your future your way

The Transamerica Advisory Annuity offers you the opportunity to take full control of your investment. This annuity is designed for the long-term investor who wants tax-deferred growth potential and a lower-cost annuity. 


Your goals are unique and your investments should be too. With flexible features and multiple portfolios designed by Vanguard and Dimensional Fund Advisors, you can help build the future you want.

Make the most of your investing dollars

To get the full benefit of an annuity, it’s smart to choose one that minimizes costs. The Transamerica Advisory Annuity  helps you make the most of your investment because you benefit from:

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PROSPECTUS INVESTMENT OPTIONS

Details

Issue Age:

Policy Value Death Benefit: 0-95

Return of Premium Death Benefit: 0-75


Minimum Initial Premium:

$1,000 (Qualified) 
$5,000 (Nonqualified)


Minimum Subsequent Premiums:  

$50


Maximum Subsequent Premiums (per policy year after 1st policy anniversary):  

$25,000 (Nonqualified), Lesser of $60,000 or IRS contribution limit (Qualified)


Maximum Cumulative Premiums:

Policy Value Death Benefit: $5 million (issue ages 0-95) without prior approval  
Return of Premium Death Benefit: $1 million (issue ages 0-75) without prior approval


Annual Mortality and Expense Fee and Administrative Charge (M&E&A):

0.27% (Policy Value Death Benefit) 
0.47% (Return of Premium Death Benefit) 


Annual Service Charge:

$25 (but no more than 2% of Policy Value) The service charge will be waived if the Policy Value or Premiums less Withdrawals is equal to or greater than $25,000.


Withdrawal Amount Available Without Surrender Charge:

Unlimited


No Surrender Charges 


Investment Option Management Fee:

Please see prospectus for details



View the product summary:

Benefits

Our innovative Transamerica Advisory AnnuitySM can help whether you are seeking protection for loved ones, tax deferral, or lower cost investing. We'll help you approach retirement planning with a purpose.

Key features

A comprehensive lineup of investment options from some of the most recognized money managers in the industry. 
Maintains the asset allocation balance selected by automatically transferring money between investment options on a regular basis without generating a taxable event, so the original allocation objectives are maintained. Restrictions apply. Please see prospectus for details.

Allows for gradual investment over time, systematically buying more units when prices are low and fewer units when prices are high. This can potentially lower the average cost of variable units.

Dollar cost averaging requires regular investing regardless of fluctuating prices and does not guarantee profits or prevent losses in a declining market. Individuals should consider their financial ability to continue transfers through periods of both high and low price levels. Amounts allocated to the subaccounts of the separate account are subject to investment risk, including possible loss of principal. Restrictions apply. Please see prospectus for details.

During the accumulation phase, unlimited transfers between subaccounts are allowed each year without a fee. Restrictions apply. Please see prospectus for details.
The opportunity to receive guaranteed lifetime payments through a variety of payment schedules and options, should the policy be annuitized.

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Ready to learn more?

Give us a call to get your questions answered.

866-799-6442