TRANSAMERICA SECURE
RETIREMENT INDEX II ANNUITY 

Index accounts protect the policy value from negative market performance and offer growth potential by locking in interest earnings based in part on the positive movement of an index. Any index growth that will be locked-in to the policy value at the end of each crediting period is subject to the cap, participation rate, and spread.

The premium enhancement is not intended to reimburse surrender charges on an annuity replacement. There is no additional tax-deferral benefit derived from placing IRA or other tax-qualified funds into an annuity. Features other than tax-deferral should be considered in the purchase of a qualified annuity.

A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock market or in the financial market indexes. Index account interest is based, in part, on index performance. Past performance of an index is not an indication of future index performance. There is no guarantee that the index interest rate will be greater than zero percent. There is no guarantee that the Company will declare an interest rate greater than the guaranteed minimum effective interest rate.

It should be noted that allocations to an index account are not an investment in the stock market or indexes, nor do they participate directly in any equities, commodities, fixed income or currencies. It is not possible to invest directly in an index.

All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.

The NYSE^® Expanded Opportunities^TM Index is a proprietary index available with the Transamerica Secure Retirement Index® II Annuity. This global, multi-asset index is based on a methodology designed by Morgan Stanley Investment Management and accesses broad and diverse asset classes in equities, fixed income, and alternative asset classes. It leverages their proprietary quantitative analysis to make daily asset allocations based on short-term forecast calculations and maintains a 5% daily volatility target. This may help limit overall volatility and reduce the effects of significant market downturns during periods of high market volatility, providing policy owners with the opportunity for smoother performance and better risk adjusted returns. Efforts to control the effects of market fluctuations could limit your participation in market gains, which may conflict with your investment objectives by limiting your ability to maximize potential growth of your policy value.

A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed annuity policies are not an investment in the stock market or in financial market indexes. It is not possible to invest directly in an index.Any index growth that will be locked-in to the policy value at the end of each crediting period is subject to the participation rate and spread.

Any index growth that will be locked-in to the policy value at the end of each crediting period is subject to the cap, participation rate, and spread.

Source ICE Data Indices, LLC, is used with permission. “NYSE®” is a trade mark of ICE Data Indices, LLC or its affiliates (“ICE Data”) which shall be licensed, along with the NYSE® Expanded OpportunitiesTM Index (“Index”) for use by Transamerica Life Insurance Company in connection with the Transamerica Secure Retirement Index® II Annuity (the “Product”). ICE Data shall be the Index Sponsor and the Index Administrator. The intellectual and other property rights to the methodology and formula of the Index which shall be utilized under license by ICE Data are owned by Morgan Stanley Investment Management Inc. (“MSIM”). Neither Transamerica Life Insurance Company nor the Product, as applicable, is sponsored, endorsed, sold or promoted by ICE Data, its affiliates, its Third Party Suppliers including MSIM (“ICE Data and its Suppliers”). ICE Data and its Suppliers make no representations or warranties regarding the advisability of adopting a strategy or purchasing the Product particularly, the trust or the ability of the Index to track general market performance. Past performance of an Index is not an indicator of or a guarantee of future results.

ICE DATA AND ITS SUPPLIERS DISCLAIM ANY AND ALL WARRANTIES AND REPRESENTATIONS, EXPRESS AND/OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE, INCLUDING THE INDICES, INDEX DATA AND ANY INFORMATION INCLUDED IN, RELATED TO, OR DERIVED THEREFROM (“INDEX DATA”). ICE DATA AND ITS SUPPLIERS SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY WITH RESPECT TO THE ADEQUACY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE INDICES AND THE INDEX DATA, WHICH ARE PROVIDED ON AN “AS IS” BASIS AND YOUR USE IS AT YOUR OWN RISK.

Neither Transamerica nor any of its affiliates are affiliated with ICE or its affiliates.

The S&P PRISM Factor Index is a proprietary index licensed by S&P Dow Jones Indices to Transamerica Life Insurance Company for use with the Transamerica Secure Retirement® II Annuity. This multi-asset index is based on a methodology designed by S&P Dow Jones Indices and accesses broad and diverse asset classes in equities, fixed income, and commodities. The S&P PRISM Factor Index is an index of indices designed to measure the performance of an inverse-risk-weighted basket of three component indices (the S&P 500 Quality, Value & Momentum Multi-Factor Index, S&P U.S. 10-Year Treasury Note Futures Index and the S&P GSCI Index) after accounting for technical and fundamental indicators. The Index is designed to provide multi-asset diversification within a risk-weighting framework. Efforts to control the effects of market fluctuations could limit your participation in market gains, which may conflict with your investment objectives by limiting your ability to maximize potential growth of your policy value. The “S&P PRISM Factor Index” (the “Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Transamerica Life Insurance Company. S&P^® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”); PRISM® is a registered trademark of S&P Dow Jones Indices LLC. Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). It is not possible to invest directly in an index. Transamerica Secure Retirement II Annuity are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Transamerica Secure Retirement II Annuity or any member of the public regarding the advisability of investing in securities generally or in Transamerica Secure Retirement II Annuity particularly or the ability of the S&P PRISM Factor Index to track general or specific market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to Transamerica Life Insurance Company with respect to the S&P PRISM Factor Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P PRISM Factor Index is determined, composed and calculated by S&P Dow Jones Indices without regard to Transamerica Life Insurance Company or the Transamerica Secure Retirement II Annuity. S&P Dow Jones Indices have no obligation to take the needs of Transamerica Life Insurance Company or the owners of Transamerica Secure Retirement II Annuity into consideration in determining, composing or calculating the S&P PRISM Factor Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices and amount of Transamerica Secure Retirement II Annuity or the timing of the issuance or sale of Transamerica Secure Retirement II Annuity or in the determination or calculation of the equation by which Transamerica Secure Retirement II Annuity is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of Transamerica Secure Retirement II Annuity. There is no assurance that investment products based on the S&P PRISM Factor Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment or tax advisor. A tax advisor should be consulted to evaluate the impact of any tax-exempt securities on portfolios and the tax consequences of making any particular investment decision. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY TRANSAMERICA LIFE INSURANCE COMPANY, OWNERS OF THE TRANSAMERICA SECURE RETIREMENT II ANNUITY, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND TRANSAMERICA LIFE INSURANCE COMPANY, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.

All policies, living benefits, and forms may vary by state, and may not be available in all states: ICC14 FIA0214, NIC14 FIA0214(FL), ICC14 RGMB470214(IS), ICC14 RGMB470214(IJ), NIC14 RGMB470214 (IS) (FL), NIC14 RGMB470214 (IJ)(FL), ICC14 RDR50214.