Transamerica Income Edge 1.2  Marketing Toolkit 

* Withdrawal percentage is applicable if there are no withdrawals until, on, or after the seventh rider anniversary and age 65 when withdrwals begin.  Not applicable in New York. Non-reducing lifetime income is valid only when there are no excess withdrawals taken.

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of taxable amounts are subject to ordinary income tax and may be subject to a 10% additional federal tax if withdrawn before age 59½.

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.

Variable annuities are long-term, tax-deferred vehicles designed for retirement purposes and are subject to investment risk, including possible loss of principal. 
Variable fees.
Withdrawals reduce the policy value, and other annuity values.

The Transamerica Income Edge 1.2 living benefit requires a percentage of all premiums be allocated the Stable Account and the remaining percentage to the Flexible and Select Investment Options. See Rate Sheet Prospectus Supplement.

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

Transamerica variable annuities’ range of fees and charges include 0.20% -1.50% M&E&A, 0% - 8% surrender charges, $35 annual service charge, maximum $50, and investment option management fees. A fund facilitation fee of up to 0.60% annually may apply for certain investment options. Additional fees apply to optional benefits selected, including living benefit riders.

The fee for Transamerica Income Edge 1.2 is 1.45% for single life, and 1.55% for joint life. Fee is deducted each benefit quarter in arrears as a percentage of the greater of the withdrawal base or the guaranteed future value. The fee 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. Maximum living benefit fee is 2.5%.

If your clients elect 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  participation in market gains; this may conflict with your 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 clients pay 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 your clients 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 benefit is referred to as a rider in the contract

All policies, benefits, 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)

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