The Opportunity of Growth and Protection
Transamerica Secure Retirement Index®Annuity, a fixed index annuity, offers a number of surrender charge schedules and gives you the ability to customize the annuity with an optional living benefit. Several account options are available, which can help grow retirement assets.
Key Features
  • Principal protection
  • Opportunity to earn interest based, in part, on the performance of an index
  • Guaranteed lifetime income with Transamerica Income Plus® living benefit
  • Surrender Charge-Free Withdrawal Options:
      - Charge-Free Withdrawal Amount
      - Nursing Care or Terminal Condition Waiver
      - Unemployment Waiver
0-80 Annuitant and/or Owner
$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+

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%

Transamerica Income Plus® is an optional living benefit that provides for a steady stream of income that has the opportunity to increase 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 living benefit fee may increase up to the maximum of 1.75% if you choose to accept an automatic step-up.
Account options
Your client's objectives should reflect their needs and goals. Transamerica Secure Retirement Index Annuity gives them the choice of two index account options and a fixed account option to help grow their retirement so that they can be confident their strategy fits their personal priorities.
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.