TRANSAMERICA SECURE RETIREMENT INDEX ® ANNUITY

Protect and Grow Retirement Income

Taking some of the uncertainty out of the future is one way to help build yourself a solid financial foundation.


The Transamerica Secure Retirement Index® (TSRI) Annuity offers the opportunity to protect and potentially grow the retirement income you worked so hard to create. It offers a number of surrender charge schedules, plus an optional living benefit, available for an additional fee, that can help generate a guaranteed income stream for life.

Key Features

The TSRI annuity offers a strong combination of benefits that can help provide confidence in your financial future.


They include principal protection, the opportunity to earn tax-deferred interest based (in part) on the performance of an index, guaranteed income for life with the addition of the optional Transamerica Income Plus® living benefit, and surrender charge-free withdrawal options:

  • 10% of Gross Premium Surrender Charge-Free Withdrawal Amount each policy year1
  • Nursing Care or Terminal Condition Waiver*
  • Unemployment Waiver*
0–80 Annuitant and/or Owner for 8-year and 10-year Surrender Charge Schedule
0–85 Annuitant and/or Owner for 5-year Surrender Charge Schedule
10% of gross premium each policy year1
$10,000 (Qualified and non-qualified)2,3
$1,0002,3 (Allowed during the first policy year.)
An annual service charge may be deducted from the policy value
The S&P 500® Index: 1-year point-to-point crediting method
The MSCI EAFE Index: 1-year point-to-point crediting method
Fixed Account

Surrender Charge Schedule

Years Since Premium Payment0-11-22-33-44-55-66-77-88-99-1010+
10-Year9%9%8%7%6%5%4%3%2%1%0%
8-Year8%8%7%6%5%4%3%2%0%0%0%
5-Year7%7%6%5%4%0%0%0%0%0%0%

5-Year Product Summary
8-Year Product Summary
10-Year Product Summary

Premium Enhancement Recapture Schedule

Years Since Policy Date12345678910
10-Year Recapture100%90%80%70%60%50%40%30%20%10%
8-Year Recapture100%87.5%75%62.5%50%37.5%25%12.5%0%0%
5-Year Recapture100%80%60%40%20%0%0%0%0%0%

Make the Most of Your Retirement Income
Transamerica Income Plus® is an optional living benefit that can be added to your TSRI annuity, for an additional fee, to help you guarantee and grow your income.

Benefits

Transamerica Income Plus® is an optional living benefit that provides a steady stream of income and the opportunity to increase that income through an annual growth rate percentage. The living benefit fee is 1% of the living benefit withdrawal base divided by four and is deducted quarterly from the policy value. The initial living benefit withdrawal base is equal to the policy value. The maximum living benefit will always be 0.75% higher than the initial rider fee and may change as the rider fee changes.

Account options

Choose the strategy that best helps pursue your desired goals. The TSRI annuity offers the choice of two index account options and a fixed account option giving you the potential to grow a portion of your retirement assets.
The S&P 500 is a commonly recognized index made up of large-cap stocks and features 500 industry-leading companies designed to measure the U.S. economy and overall market. Index growth, if any, does not include any portion from dividends.
The MSCI EAFE (Europe, Australia, and the Far East) Index is designed to measure developed markets' equity performance. The index contains the stocks of 21 developed markets outside of the U.S. and Canada including Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, the Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom, Israel, Australia, New Zealand, Singapore, Hong Kong, and Japan. Index growth, if any, does not include any portion from dividends.
Interest in the fixed account is credited daily based on a 1-year guaranteed fixed interest rate declared at the beginning of the crediting period. The minimum 1-year guaranteed interest rate is 1.00% during the surrender charge period and 0.25% after the surrender charge period.

Documents

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