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.

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.