Transamerica Income Edge 1.2

IMPORTANT INFORMATION

For Broker-Dealer Use Only.  Not for Use With the Public.

* 8.5% income for life applicable at attained age 65 if there are no withdrawals until on or after the seventh rider anniversary. If the living benefit is structured as joint life, the withdrawal percentage will be based on the younger of the annuitant or annuitant’s spouse when withdrawals begin. Non-reducing guaranteed lifetime income is valid only when there are no excess withdrawals taken.

** Non-reducing guaranteed lifetime income is valid only when no excess withdrawals are taken.

Variable annuities are long-term, tax-deferred vehicles designed for retirement purposes and are subject to investment risk, including possible loss of principal.

Your clients should consider a variable annuity’s investment objectives, risks, charges, and expenses carefully before investing. Go to transamerica.com for prospectuses containing this and other information. Encourage them to read it carefully.

Transamerica variable annuities’ range of fees and charges include 0.2%-1.5% mortality and expense risk fee and administrative charge (M&E&A), 0%-8% surrender charges, current $35 and maximum $50 annual service charge, and investment option management fees. A fund facilitation fee of up to 0.6% annually may apply for certain investment options.

Transamerica Income Edge 1.2 living benefit annual fee of 1.45% for single life, and 1.55% for joint life of the Withdrawal Base will be deducted on a pro rata basis from the Select and Flexible Options at the end of each living benefit quarter and only deducted from the Stable Account if the other options are exhausted. For New York only, once the Select and Flexible Investment Options are exhausted, no living benefit fee will be deducted. The living benefit fee percentage may increase upon an Automatic Step-Up, but the maximum living benefit fee is 2.5%.

The withdrawal percentages and living benefit fees along with required allocations, valuation frequency, and minimum benefit age listed within may change and may not be the most current. The most current information is disclosed in the applicable Rate Sheet Prospectus Supplement, which may be amended by us from time to time. Please contact our administrative office to determine whether the information above has been amended. Your client should not purchase this living benefit without first obtaining the applicable Rate Sheet Prospectus Supplement.

Withdrawals reduce the policy value, death benefit, and other annuity values.

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

Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% additional federal tax if withdrawn before age 59½.

If your client elects an optional living benefit, there are certain underlying investment options offered in the policy that use a volatility control strategy. If they elect one of the optional living benefits, Transamerica requires the Policy Value to be allocated in a manner described in the contract, which may include a volatility control strategy. In periods of high market volatility, volatility control strategies could limit your client’s participation in market gains; this may conflict with their investment objectives by limiting the ability to maximize potential growth of the Policy Value and, in turn, the value of any guaranteed benefit that is tied to investment performance. Volatility control strategies are intended to 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. Your client pays an additional fee for the living benefits that, in part, protects the living benefit base from investment losses. Since the living benefit base does not decrease as a result of investment losses, volatility control strategies might not provide any meaningful additional benefit. If they determine that underlying funds with volatility control strategies are not consistent with their investment objectives, other investment options are available under the living benefits that do not invest in funds that utilize volatility control strategies.

Living benefits are referred to as riders in the contract.

All policies, riders, and forms may vary by state and may not be available in all states. ICC18 TRGL16IC-0318(IS), ICC18 TRGL16IC-0318(IJ), TRGL16FL-0318(IS), TRGL16FL-0318(IJ), FRGL16NY-0318(IS), FRGL16NY-0318(IJ)