Transamerica registered index-linked annuities
Growth and protection
Help clients retire on their terms with a registered index-linked annuity (RILA). RILAs credit gains based on the performance of an index, like the S&P 500®, while providing a level of protection against market downturns. These annuities are popular among those nearing retirement who are comfortable with some market risk and interested in tax-deferred growth.
A powerful combination of benefits
Our RILAs — the Transamerica Structured Index Advantage® Annuity and the Transamerica Structured Index Advantage® Annuity NY — offer growth potential and a level of investment protection at low or no cost.
Growth potential
Help clients take advantage of tax-deferred growth opportunities through a range of stock market indexes, and enjoy the freedom to lock in growth for no charge at any time.
Downside protection
Offer clients a level of protection during market downturns, giving them the confidence to stay invested in any market and capture potential growth opportunities.
Low cost
Our RILA solutions include strategies available with no explicit fees, meaning your clients have more investible money available to help them reach their financial goals.
Resources for your clients
Help clients live their best life and prepare for a bright financial future with the powerful combination of investment growth potential and downside protection.
RILA benefits, options, and rates
Lessons from history
Markets go up and down over the average investor’s life. For many, the challenge is to keep calm and stay invested. A buffer offering a level of protection from market losses means having the confidence to go the distance.
Historical performance of S&P 500®*
Based on 6-year rolling allocation from 1/1/1980–12/22/2023
| Average return | 76.0% |
|---|---|
| Percentage of time you would've avoided market loss with a 10% buffer | 97.4% |
| Percentage of time you would've avoided market loss with a 15% buffer | 99.7% |
| Percentage of time you would've avoided market loss with a 20% buffer | 100.0% |
Historical performance of S&P 500®*
Based on 2-year rolling allocation from 1/1/1980–12/22/2023
| Average return | 21.0% |
| Percentage of time you would've avoided market loss with a 10% buffer | 90.0% |
| Percentage of time you would've avoided market loss with a 15% buffer | 91.0% |
Historical performance of S&P 500®*
Based on 1-year rolling allocation from 1/1/1980–12/22/2023
| Average return | 10.0% |
| Percentage of time you would've avoided market loss with a 10% buffer | 88.0% |
| Percentage of time you would've avoided market loss with a 15% buffer | 92.0% |
* Historical returns are hypothetical. Past performance does not guarantee future results.
Outcomes were based on our allocation dates of the 1st, 8th, 15th, and 22nd. A simple average of a series of returns generated over a given period of time. Returns are price return only and exclude dividends. You cannot directly invest in an index and the annuity does not participate directly in any stock or equity investments. Other Indexes are available with this annuity.
Optional benefits
Optional benefits let you customize our annuities based on client preferences.
- Performance Lock: Take the emotion out of investing at no additional cost
- Participation strategy with Credit Advantage*: Increase potential upside
- Best Entry with Credit Advantage*: Turn volatility into opportunity
- Best Entry without Credit Advantage: Smart protection for market volatility
* 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.
Index account options
Access a diverse range of Indexes designed to provide growth opportunities, including some Indexes — like Fidelity World Factor Leaders Index℠ and the First Trust Equity Edge Index℠ — exclusively available from Transamerica.
The links below contain key information about each Index, including investment objectives, performance data, and portfolio characteristics.
| Index | Overview |
|---|---|
| S&P 500® (SPX) | The S&P 500® Index is widely regarded as the best single gauge of large-cap U.S. equities. The index includes 500 leading companies and covers approximately 80% of available market capitalization. |
| Fidelity World Factor Leaders Index℠ (FIDWFLEN) | This equity index offers exposure to U.S. and developed non-U.S. equities with attractive valuations, high-quality profiles, positive momentum signals, and lower volatility than the broader world market. |
| iShares® Russell 2000 ETF (IWM) | This index seeks to track the investment results of an index composed of small-cap U.S. equities. |
| iShares® U.S. Technology ETF (IYW) | This index seeks to track the investment results of an index composed of U.S. equities in the technology sector. |
| First Trust Equity Edge Index™ (FTEQEDGE) | This index provides exposure to U.S. equities that exhibit high quality and value through focus on dividend growth and low volatility. |
Prospectuses and forms
Below, you’ll find prospectuses to support clients in making informed decisions about selecting an annuity and forms to help them get started.
Renewal rates
For contracts nearing the end of the Crediting Period, click the button below for available rates.
Index disclosures
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.
S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS, AND/OR THE COMPLETENESS OF THE S&P 500® INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING, BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY TLIC, OWNERS OF THE TRANSAMERICA STRUCTURED INDEX ADVANTAGE ANNUITY OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500® INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME, OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND TLIC OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.
Fidelity World Factor Leaders Index℠ 0.5% AR
The Fidelity World Factor Leaders Index℠ 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 for certain purposes by Transamerica Life Insurance Company (TLIC) on behalf of 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 the Transamerica Structured Index Advantage Annuity contract owners. 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. FPS does not make any warranty or representation as to the accuracy, completeness, or availability of the Index or information included in the Index and shall have no responsibility or liability for the impact of any inaccuracy, incompleteness, or unavailability of the Index or such information. Neither FPS nor any other party involved in, or related to, making or compiling the Index makes any representation or warranty, express or implied, to the Transamerica Structured Index Advantage Annuity contract owner, TLIC, or any member of the public regarding the advisability of purchasing annuities generally or the Transamerica Structured Index Advantage Annuity particularly, the legality of the Transamerica Structured Index Advantage Annuity under applicable federal securities, state insurance and tax laws, the ability of the Transamerica Structured Index Advantage Annuity to track the performance of the Index, any other index or benchmark or general market or other asset class performance, or the results, including, but not limited to, performance results, to be obtained by TLIC, the Transamerica Structured Index Advantage Annuity, Transamerica Structured Index Advantage Annuity contract owners, or any other person or entity. FPS does not provide investment advice to TLIC with respect to the Transamerica Structured Index Advantage Annuity, or to Transamerica Structured Index Advantage Annuity contract owners. 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 the Transamerica Structured Index Advantage Annuity, the Transamerica Structured Index Advantage Annuity contract owners, or any other person or entity with respect to the Index and in no event shall any 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. In the event that the Index is no longer available to the Transamerica Structured Index Advantage Annuity or Transamerica Structured Index Advantage Annuity contract owners, TLIC may seek to replace the Index with another suitable index, although there can be no assurance that one will be available.
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 with respect to the 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 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® 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 Equity Edge Index™
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, LLC, (Transamerica) in connection with the FTIS Index 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™ INDEX 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 have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to Transamerica Structured Index Advantage Annuity. The Companies make no representation or warranty, express or implied, to the owners of any product based on the FTIS Index, Nasdaq Index, or Value Line Index, or to any member of the public regarding the advisability of investing in securities generally or in products based on the FTIS Index, Nasdaq Index, or Value Line Index particularly, or the ability of the FTIS Index, Nasdaq Index, or Value Line Index to track general stock market performance. The Companies’ only relationship to Transamerica is in the licensing of the certain trademarks, trade names, and service marks and the use of the FTIS Index, Nasdaq Index, and Value Line Index, which are determined, composed, and calculated without regard to Transamerica or Transamerica Structured Index Advantage Annuity.
The Companies have no obligation to take the needs of Transamerica, or the owners of Transamerica Structured Index Advantage Annuity, or the sponsors or owners of products based on the FTIS Index, Nasdaq Index, or Value Line Index into consideration when determining, composing, or calculating the FTIS Index, Nasdaq Index, or Value Line Index. The Companies are not responsible for and have not participated in the determination or calculation of Transamerica Structured Index Advantage Annuity. There are no assurances from the Companies that products based on the FTIS Index, Nasdaq Index, or Value Line Index will accurately track index performance or provide positive investment returns. The Companies are not investment advisors. Inclusion of a security or financial instrument within an index is not a recommendation by the Companies to buy, sell, or hold such security or financial instrument, nor is it considered to be investment advice.
THE COMPANIES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS, COMPLETENESS, AND/OR UNINTERRUPTED CALCULATION OF TRANSAMERICA STRUCTURED INDEX ADVANTAGE ANNUITY, FTIS INDEX, NASDAQ INDEX, VALUE LINE INDEX, OR ANY DATA INCLUDED THEREIN OR ANY COMMUNICATION WITH RESPECT THERETO, INCLUDING, ORAL, WRITTEN, OR ELECTRONIC COMMUNICATIONS. THE COMPANIES SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS IN TRANSAMERICA STRUCTURED INDEX ADVANTAGE ANNUITY, FTIS INDEX, NASDAQ INDEX, OR VALUE LINE INDEX. THE COMPANIES MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE RESULTS TO BE OBTAINED BY OWNERS OF TRANSAMERICA STRUCTURED INDEX ADVANTAGE ANNUITY OR OF PRODUCTS BASED ON THE FTIS INDEX, NASDAQ INDEX, OR VALUE LINE INDEX, OR BY ANY OTHER PERSON OR ENTITY FROM THE USE OF THE FTIS INDEX, NASDAQ INDEX, OR VALUE LINE INDEX, OR ANY DATA INCLUDED THEREIN. THE COMPANIES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO TRANSAMERICA STRUCTURED INDEX ADVANTAGE ANNUITY, FTIS INDEX, NASDAQ INDEX, VALUE LINE INDEX, OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE COMPANIES BE SUBJECT TO ANY DAMAGES OR HAVE ANY LIABILITY FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES OR LOSSES, INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME, OR GOODWILL, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN TRANSAMERICA AND THE COMPANIES.
The websites referenced for the S&P 500®, iShares® U.S. Technology ETF, iShares® Russell 2000 ETF, and First Trust Equity Edge Index™ are neither owned or controlled by Transamerica or any affiliated company. Web addresses are provided as a courtesy and are neither endorsed nor reviewed by any of the Transamerica Companies.
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Important information
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.
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 risk, and as a result of fees and charges under the policy including surrender charges, other transaction charges, and periodic charges.
All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.
The policy may be referred to as a variable annuity in some states.
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.
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%, 6%, 5%, 4%, 0% based on years since each premium payment.
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.
All policies, riders, and forms may vary by state and may not be available in all states. ICC24 TPVA14IC-0720 (SC), TPVA14FL-0720 (SC), TPVA14OR-0720 (SC), TRIA10OR-R0821, ICC24 TRIA10IC-0724 (CB), ICC24 TRIA10IC-0724 (PB), ICC24 TRIA14IC-0821, TRIA14FL-0821, FRIA14NY-0821, ICC24 TRIA11IC-0720, TRIA11FL-0720, TRIA11OR-0720, ICC24 TRIA12IC-R0821, TRIA12FL-R0821