Registered Index-linked Annuities are long-term, tax-deferred vehicles designed for retirement purposes and are not for everyone. They are subject to possible loss of principal and earnings due to market fluctuation, investment risks, and as a result of fees and charges under the policy including surrender charges, other transaction charges, and periodic charges.

Before investing, consider a registered index-linked annuity investment objectives, risks, charges, and expenses. Go to the prospectus containing this and other information. Please read carefully.

The Policy is designed primarily for investors who expect to remain invested in an Allocation Account until the end of its Crediting Period and may be appropriate for you if you have a long investment time horizon. This Policy is not designed for people who expect to take early or frequent withdrawals.

This product has no explicit fees. Additional fees may apply to optional benefits including the Credit Advantage fee of 1.25%. The Credit Advantage fee applies only to the Index Account Options where the Credit Advantage is included, (Not available in New York). Surrender charge schedule 8%, 8%, 7%, 5%, 4%, 0% based on years since each premium payment.

At the end of a Crediting Period for an Allocation Account, you may choose to reinvest in the same Allocation Account or transfer the policy value into that Allocation Account or another Allocation Account. Growth Opportunity rates may be higher or lower upon renewal. 

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

You cannot directly invest in an index and the annuity does not participate directly in any stock or equity investments. Stock dividends on the index are not included as a component of the Index Value.

If you invest in an Index Account Option, the Index Account Option’s Downside Protection may not fully protect you from loss. Your losses could be significant. The upside potential of your investment may be limited by its Growth Opportunity type.

Transamerica reserves the right to add, remove, or suspend any index and/or Index Account Option(s). Not all Indices and/or Index Account Option(s) will be available at all times. This tool may not include all available Index Account Options. Please consult with your financial professional or the prospectus.

S&P 500^® Index

The S&P 500® Index is a product of S&P Dow Jones Indices LLC (SPDJI) or its affiliates and has been licensed for use by Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company (Transamerica). S&P®, S&P 500, US 500, The 500, iBoxx®, iTraxx®, and CDX® are trademarks of S&P Global, Inc., (S&P) or its affiliates; Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by TLIC. Transamerica Structured Index Advantage® Annuity and Transamerica Structured Index® Annuity NY is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

The Fidelity World Factor Leaders Index^SM 0.5% AR

The Fidelity World Factor Leaders Index^SM 0.5% AR (the Index) is an equity index, offering exposure to U.S. and developed non-U.S. companies with attractive valuations, high-quality profiles, positive momentum signals, and lower volatility than the broader world market and is a product of Fidelity Product Services LLC (FPS). The daily performance of the Index is reduced by 0.5% annually. The reduction is not related to the annuity. Fidelity is a trademark of FMR LLC. The Index has been licensed for use by Transamerica Life Insurance Company (TLIC) in connection with the Transamerica Structured Index Advantage Annuity. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of TLIC, the Transamerica Structured Index Advantage Annuity, or owners of the Transamerica Structured Index Advantage Annuity. The Transamerica Structured Index Advantage Annuity is not sold, sponsored, endorsed, or promoted by FPS or any other party involved in, or related to, making or compiling the Index. TLIC exercises sole discretion in determining whether and how the Transamerica Structured Index Advantage Annuity will be linked to the value of the Index. FPS does not provide investment advice to owners of the Transamerica Structured Index Advantage Annuity, nor to any other person or entity with respect to the Index and in no event shall the Transamerica Structured Index Advantage Annuity contract owner be deemed to be a client of FPS.

Neither FPS nor any other party involved in, or related to, making or compiling the Index has any obligation to continue to provide the Index to TLIC with respect to the Transamerica Structured Index Advantage Annuity. Neither FPS nor any other party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, performance, annuities generally, or the Transamerica Structured Index Advantage Annuity particularly.

FPS disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. FPS shall have no responsibility or liability whatsoever with respect to the Transamerica Structured Index Advantage Annuity.

iShares® Russell 2000 ETF

The iShares® Russell 2000 ETF is distributed by BlackRock Investments, LLC. iShares® and BlackRock®, and the corresponding logos, are registered trademarks of BlackRock, Inc., (BlackRock) and its affiliates and are used under license. BlackRock has licensed certain trademarks and trade names of BlackRock to Transamerica Life Insurance Company (TLIC) for certain purposes. TLIC’s products and services are not sponsored, endorsed, sold, or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares® Russell 2000 ETF nor enter any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered by TLIC or any member of the public regarding the advisability of purchasing any product or service offered by TLIC. BlackRock has no obligation or liability for any errors, omissions, interruptions, or use of the iShares® Russell 2000 ETF or any data related thereto, or in connection with the operation, marketing, trading, or sale of any TLIC product or service offered by TLIC.

iShares^® U.S. Technology ETF

The iShares® U.S. Technology ETF is distributed by BlackRock Investments, LLC. iShares® and BlackRock®, and the corresponding logos, are registered trademarks of BlackRock, Inc., (BlackRock) and its affiliates and are used under license. BlackRock has licensed certain trademarks and trade names of BlackRock to Transamerica Life Insurance Company (TLIC) for certain purposes. TLIC’s products and services are not sponsored, endorsed, sold, or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares® U.S. Technology ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered by TLIC or any member of the public regarding the advisability of purchasing any product or service offered by TLIC. BlackRock has no obligation or liability for any errors, omissions, interruptions, or use of the iShares® U.S. Technology ETF or any data related thereto, or in connection with the operation, marketing, trading, or sale of any TLIC product or service offered by TLIC.

First Trust

The First Trust Equity Edge Index (FTIS Index) is a product of FT Indexing Solutions LLC (FTIS) and is administered and calculated by Bloomberg Index Service Limited and its affiliates (collectively, BISL). FIRST TRUST® and FIRST TRUST EQUITY EDGE INDEX™ are trademarks of First Trust Portfolios L.P. (collectively, with FTIS and its respective affiliates, First Trust). The foregoing index and trademarks have been licensed for use for certain purposes by Bloomberg, Transamerica Life Insurance Company (TLIC), Money Services, Inc., and Transamerica Capital, Inc., (Transamerica) in connection with the FTIS Index and the Transamerica Structured Index Advantage Annuity.

The Nasdaq U.S. Rising Dividend Achievers™ INDEX (Nasdaq Index) is a product of Nasdaq, Inc., (which, with its affiliates, is referred to as the Nasdaq). NASDAQ® and NASDAQ U.S. RISING DIVIDEND ACHIEVERS™ are trademarks of Nasdaq. The foregoing index and trademarks have been licensed for use for certain purposes by FTIS and Transamerica in connection with the FTIS Index and Transamerica Structured Index Advantage Annuity.

The Value Line Dividend Index (Value Line Index) is a product of Value Line, Inc., (Value Line). VALUE LINE® and VALUE LINE DIVIDEND INDEX™ are trademarks of Value Line. The foregoing index and trademarks have been licensed for use for certain purposes by FTIS and Transamerica in connection with the FTIS Index and Transamerica Structured Index Advantage Annuity. The FTIS Index is not sponsored, endorsed, recommended, sold, or promoted by Value Line and Value Line makes no representation regarding the advisability of investing in the FTIS Index.

BLOOMBERG® is a trademark and service mark of Bloomberg Finance L.P. Bloomberg Finance L.P., BISL, and their affiliates (Bloomberg) are not affiliated with First Trust. Bloomberg’s relationship to First Trust is only (1) in the licensing of the FIRST TRUST® and FIRST TRUST EQUITY EDGE INDEX™ trademarks and (2) to act as the administrator and calculation agent of the FTIS Index. Bloomberg does not guarantee the timeliness, accurateness, or completeness of the FTIS Index or any data or information relating thereto and shall have no liability in connection with the FTIS Index or any data or information relating thereto. Transamerica Structured Index Advantage Annuity is not issued, sponsored, endorsed, sold, recommended, or promoted by First Trust, Bloomberg, Nasdaq, Value Line, or their respective affiliates (collectively, the Companies). The Companies do not make any representation regarding the advisability of investing in Transamerica Structured Index Advantage Annuity or products based on the FTIS Index, Nasdaq Index, or Value Line Index, do not make any warranties or bear any liability with respect to such products, and do not make any warranties or bear any liability with respect to Transamerica Structured Index Advantage® Annuity or another party’s index.

The hypothetical examples are for illustration purposes only. Past performance is not a guarantee of future results. Actual performance may be lower or higher than the performance shown.

The assumptions on which these examples are based are subject to change. The Growth Opportunity rates shown are effective throughout the Crediting Period Illustrated. They may change before the contract is issued but will not be less than the minimum guarantees. Growth Opportunity rates are reset at the beginning of each Crediting Period and are subject to change but will never be less than the guaranteed limits. Please see prospectus for minimum guarantees.

The hypothetical examples assume no additional investment or withdrawals and do not reflect the deduction of any fees. If they had, the Ending Value may have been lower.

INDEX HISTORICAL INFORMATION

Historical returns are hypothetical. Past performance does not guarantee future results. Each Index scenario has been created in order to demonstrate the mechanics of the Index Account Options of the Transamerica Structured Index Advantage Annuity. The tool presents a limited range of historical outcomes and the graphs shown are for illustrative purpose only. The Transamerica Structured Index Advantage Annuity was not available for purchase during these time periods illustrated. 

Down Market
A down market is to be considered any 1 year, 2 year, or 6 year Crediting Period in which performance for the selected index/indices is negative. Scenario returns are based on the historical returns of the chosen index.

Up Market 
An up market is to be considered any 1 year, 2 year, or 6 year Crediting Period in which performance for the selected index/indices is positive. Scenario returns are based on the historical returns of the chosen index.

Current Market
A current market is to be considered any 1 year, 2 year, or 6 year Crediting Period in which performance for the selected index/indices as the most recent quarter end. Scenario returns are based on the historical returns of the chosen index.

OTHER INFORMATION

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

Neither Transamerica nor its agents or representatives may provide tax, investment, or legal advice. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own independent tax and legal professionals and financial professional regarding their particular situation and the concepts presented herein.

The policy may be referred to as a variable annuity or modified guaranteed annuity in some states.

Not available in New York, Missouri or Oregon.

All policies, riders, and forms may vary by state and may not be available in all states. Transamerica's registered index-linked annuity Annuity Policy Form No. TPVA1400-0720, TRIA1000-R0821, TPVA14FL-0720 (SC), TPVA14OR-0720 (SC), TRIA10OR-R0821, FPVA14NY-0720, FRIA10NY-R0821, TRMD1400-R0821, TRMD14FL-R0821 (SC), TRMD14OR-R0821(SC), TRIA1200-R0821, TRIA12FL-R0821, TRIA1100-0720, TRIA11FL-0720, TRIA11OR-0720.

Best Entry Reset Maximum
The percentage that represents the maximum Initial Index Value change allowed for a reset. The reset of the Initial Index Value is subject to the Best Entry Reset Maximum and Best Entry Reset Threshold. Index values below the Best Entry Maximum on an Observation Day will be reset at the Best Entry Reset Maximum.

Buffer
The negative index performance that Transamerica absorbs over the duration of the period before applying any negative performance to your Index Account option.

Cap
The maximum rate of interest that may be credited at the conclusion of the Crediting Period for a particular Index Account Option.

Best Entry Reset Threshold
The percentage that is compared to the lowest observed Index Value, as a percentage of the Initial Index Value at the beginning of the Crediting Period, to determine whether a reset of the Initial Index Value is applicable. This percentage is declared at the beginning of a Crediting Period.

Crediting Period
The period of time following an allocation in which the current rates associated with the allocation will not change. It is also the period of time used to determine the Index Change and the corresponding interest to be credited. 

Index Account Option Value
The value of the investment in an Index Account Option.

Initial Index Value
The value of an Index on the first day of the Crediting Period. If a reset occurs on any Observation Day, then this value will be changed to the greater of the lowest Index Value observed on any Observation Day or the Best Entry
Reset Minimum Value.

Participation
The percentage of the return from a particular Index Account Option that may be credited as interest at the conclusion of the Crediting Period.