# EDGAR Filing Document

**Accession Number:** 0000929519
**File Stem:** 0001164098-26-001228
**Filing Date:** 2026-5
**Character Count:** 78047
**Document Hash:** b5f4253c99fec8715cf49499b4c79f7b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-001228.hdr.sgml**: 20260504

**ACCESSION NUMBER**: 0001164098-26-001228

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260504

**DATE AS OF CHANGE**: 20260504

**EFFECTIVENESS DATE**: 20260504

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT VA BNY
- **CENTRAL INDEX KEY:** 0000929519

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-233840
- **FILM NUMBER:** 26935367

**BUSINESS ADDRESS:**
- **STREET 1:** 440 MAMARONECK AVENUE
- **CITY:** HARRISON
- **STATE:** NY
- **ZIP:** 10528
- **BUSINESS PHONE:** 319-355-8366

**MAIL ADDRESS:**
- **STREET 1:** 6400 C STREET SW
- **CITY:** CEDAR RAPIDS
- **STATE:** IA
- **ZIP:** 52499

## Series and Classes Contracts Data

### SEPARATE ACCOUNT VA BNY (Series ID: S000006424)

| Class ID   | Class Name           | Ticker Symbol   |
|:---|:---|:---|
| C000216278 | Transamerica B-Share |  |

**TRANSAMERICA B-SHARE VARIABLE ANNUITY**

**Issued through**

Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company

Separate Account VA B and Separate Account VA BNY

**Summary Prospectus for New Investors**

**May 1, 2026**

This Summary Prospectus summarizes key features of the Transamerica B-Share Variable Annuity ("B-Share") issued by Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company ("us," "we," "our" or "Company"). This is an individual, deferred, flexible premium variable annuity. Before <u>You</u> invest, You should review the prospectus for the Transamerica B-Share Variable Annuity, which contains more information about the <u>Policy</u>, including its features, benefits, and risks. You can find the prospectus and other information about the Policy online at transamerica.com. You can also obtain this information at no cost by calling (800)525-6205. You can also request this information from Your registered representative.

**\* \* \* \* \* \* \* \* \* \* \* \***

**YOU MAY CANCEL YOUR POLICY WITHIN 10 DAYS OF RECEIVING IT WITHOUT <br>PAYING FEES OR PENALTIES**

In some states, this cancellation period may be longer. Upon cancellation, You will receive either a full refund of the amount You paid with Your application or Your total <u>Policy Value</u>. You should review the prospectus, or consult with Your investment professional for additional information about the specific cancellation terms that apply.

**\* \* \* \* \* \* \* \* \* \* \* \***

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**The Securities and Exchange Commission has not approved or disapproved these securities, or passed upon the adequacy of this prospectus. Any representation to the contrary is a criminal offense.**

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**TABLE OF CONTENTS**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| **[special TERMS](#xx_230db390-a901-4902-9d32-8557ddbb7616_1)_____________________________________________________________________** | **1**  |
| **[Overview of the policy](#xx_230db390-a901-4902-9d32-8557ddbb7616_2)____________________________________________________________** | **2**  |
| **[important INFORMATION you should consider about the policy](#xx_230db390-a901-4902-9d32-8557ddbb7616_3)_______________________** | **3**  |
| **[Benefits Available Under the Policy](#xx_230db390-a901-4902-9d32-8557ddbb7616_6)________________________________________________** | **6**  |
| **[buying the policy](#xx_230db390-a901-4902-9d32-8557ddbb7616_11)_________________________________________________________________** | **11**  |
| **[surrendering your policy or making withdrawals: accessing the Money in Your Policy](#xx_230db390-a901-4902-9d32-8557ddbb7616_12)_** | **12**  |
| **[additional information about fees](#xx_230db390-a901-4902-9d32-8557ddbb7616_13)________________________________________________** | **13**  |
| ***[APPENDIX](#xx_7ce92069-d824-4fc9-ba20-a66f5047d6cc_1)*** |  |
| **[investment options AVAILABLE UNDER THE POLICY](#xx_7ce92069-d824-4fc9-ba20-a66f5047d6cc_1)__________________________________** | **16**  |

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ii

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**special TERMS**

**Accumulation Unit -** An accounting unit of measure used in calculating the <u>Policy Value</u> in the <u>Separate Account</u> before the <u>Annuity Commencement Date</u>. For more information on unit values, including how they are calculated after the Annuity Commencement Date, please see the Statement of Additional Information.

**Adjusted Policy Value -** The Policy Value increased or decreased by any <u>Excess Interest Adjustment</u>.

**Administrative Office -** Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company, Attention: Customer Care Group, 6400 C Street SW, Cedar Rapids, IA 52499, (800)525-6205.

**Annuitant -** The person on whose life any annuity payments involving life contingencies will be based.

**Annuitize (Annuitization) -** When <u>You</u> switch from the accumulation phase to the income phase and we begin to make annuity payments to You (or Your payee).

**Annuity Commencement Date -** The date upon which annuity payments are to commence. This date may not be later than the last day of the Policy month following the month in which the <u>Annuitant</u> attains age 99 (earlier if required by state law).

**Annuity Payment Option** - A method of receiving a stream of annuity payments selected by the <u>Owner</u>.

**Business Day -** A day when the New York Stock Exchange is open for regular trading. Business Day may be referred to as Market Day in Your Policy.

**Cash Value -** The <u>Adjusted Policy Value</u> less any applicable surrender charge.

**Excess Interest Adjustment -** A positive or negative adjustment to amounts paid out or transferred from the <u>Fixed Account</u> <u>Guaranteed Period Options</u> prior to the end of the guaranteed period. The adjustment reflects changes in the interest rates declared by us since the date any payment was received by, or an amount was transferred to, the Guaranteed Period Option. The Excess Interest Adjustment can either decrease or increase the amount to be received by the Owner upon withdrawals, surrenders, or commencement of annuity payments, depending upon whether there has been an increase or decrease in interest rates, respectively. The Excess Interest Adjustment will not decrease the interest credited to Your Policy below the guaranteed minimum. The Excess Interest Adjustment does not apply to policies issued in New York by Transamerica Financial Life Insurance Company.

**Fixed Account -** One or more <u>Investment Options</u> under the Policy that are part of our general assets and are not in the <u>Separate Account</u>.

**Fund Facilitation Fee -** A fee we charge in order to make certain Portfolio Companies available as Investment Options under the Policy. This may also be referred to as a Platform Charge.

**Guaranteed Lifetime Withdrawal Benefit -** Any optional benefit under the Policy that provides a guaranteed minimum withdrawal benefit, including the Transamerica Principal Optimizer<sup>SM</sup> rider, the Retirement Income Max<sup>®</sup> 1.2 rider, the Retirement Income Choice<sup>®</sup> 1.7 rider and the Transamerica Income Edge<sup>SM</sup> 1.2 rider.

**Guaranteed Minimum Accumulation Benefit -** A benefit under the optional Transamerica Principal Optimizer<sup>SM</sup> (TPO) rider that provides a guaranteed future value.

**Guaranteed Period Options -** The various guaranteed interest rate periods of the <u>Fixed Account</u> which we may offer and into which premium payments may be paid or amounts transferred when available.

**Investment Option(s)** - The <u>Subaccounts</u> and the <u>Fixed Account</u>.

**Investment Restrictions** - The requirement of the Owners to invest in certain underlying fund portfolios, as required by certain optional riders.

**Nursing Care** - Skilled or intermediate care performed by a nurse.

**Owner (You, Your) -** The person who may exercise all rights and privileges under the Policy.

**Policy -** The Transamerica B-Share Variable Annuity, an individual deferred, flexible premium variable annuity. Also referred to as the contract.

**Policy Date -** The date shown on the Policy data page attached to the Policy and the date on which the Policy becomes effective.

**Policy Value -** On or before the <u>Annuity Commencement Date</u>, the Policy Value is equal to the <u>Owner's</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● premium payments; minus

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● gross withdrawals (withdrawals plus the surrender charge on the portion of the requested withdrawal that is subject to the surrender charge plus or minus any Excess Interest Adjustment plus taxes (on the withdrawal)); plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● interest credited in the Fixed Account; plus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● accumulated gains in the Separate Account; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● accumulated losses in the Separate Account; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● service charges, rider fees, premium taxes, transfer fees, and other charges (including those imposed upon termination), if any.

**Policy Year -** A Policy Year begins on the <u>Policy Date</u> and on each anniversary thereafter.

**Portfolio Company(ies) -** The investment company(ies) made available as Investment Options under the Policy. Also referred to as underlying fund portfolios.

**Separate Account -** Separate Account VA B and Separate Account VA BNY, Separate Accounts established and registered as unit investment trusts under the Investment Company Act of 1940, as amended (the "1940 Act"), to which premium payments under the policies may be allocated.

**Separate Account Value -** The portion of the Policy Value that is invested in the Separate Account.

**Stable Account -** A Fixed Account option, only available if You elect the Transamerica Income Edge<sup>SM</sup> 1.2 rider or the Transamerica Principal Optimizer<sup>SM</sup> rider, to which You must allocate a portion of Your premium payments and Policy Value. Assets in the Stable Account are not subject to Separate Account Annual Expenses as set forth under Additional Information About Fees.

**Subaccount -** A subdivision within the Separate Account, the assets of which are invested in a specified <u>Underlying Fund Portfolio</u>.

**Overview of the policy**

**Purpose**

The Transamerica B-Share Variable Annuity is a variable annuity Policy. You can use the Policy to accumulate assets for retirement or other long-term financial planning purposes. The amount of money You are able to accumulate in Your Policy depends upon the performance of Your Investment Options. The Policy also offers a death benefit to protect Your designated beneficiaries.

This Policy may be appropriate for people who do not have a long-term investment time horizon and is not appropriate for people who intend to engage in market timing or other frequent (disruptive) trading.

**Share Classes**

Two different Share Classes are sold under the Policy - B-Share and B-Share with Liquidity Rider. The B-Share features a seven-year surrender charge period and base Separate Account annual expenses of 1.15%. The B-Share with Liquidity Rider features a four-year surrender charge period and base Separate Account annual expense of 1.65% for the first four years and 1.15% thereafter.

**Phases of the Policy**

The Policy has two phases: (1) an accumulation (or savings) phase and (2) and annuity (or income) phase.

***Accumulation Phase***: To help You accumulate assets during the accumulation phase, You can invest Your Premium payments and Policy Value in:

● Underlying fund portfolios available under the Policy, each of which has its own investment strategies and risks; investment adviser(s); expense ratio; and performance history; and

● The Fixed Account option, which offers a guaranteed interest rate during a selected period.

A list of Portfolio Companies in which You can invest is provided in an Appendix to this Prospectus. *See* <u>Appendix</u> <u>– Investment</u> <u>Options Available Under the Policy</u>.

***Annuity Phase***. You can elect to <u>Annuitize</u> Your Policy and turn Your Policy Value into a stream of income payments called annuity payments. When You Annuitize Your Policy, the accumulation phase ends, and You will no longer be able to withdraw money from Your Policy. Any guaranteed benefits You elected will terminate without value.

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**Primary Features and Options of the Policy**

***Type of Policy***. Transamerica B-Share Variable Annuity Policy is a flexible premium deferred variable annuity Policy. It is a "deferred" annuity because You defer taking annuity payments during the accumulation phase. It is a "flexible premium" annuity because You are generally not required to make any premium payments in addition to the initial minimum premium payment. The Policy is "variable" because its value can go up or down based on the performance of the Investment Options You choose.The Policy is available as a non-qualified or qualified Policy. The tax treatment of Your Policy may impact the benefits, as well as fees and charges under Your Policy.

***Accessing Your Money***. Before You Annuitize, You can withdraw money from Your Policy at any time. If You take a withdrawal, You may be subject to a negative Excess Interest Adjustment and/or have to pay a surrender charge and/or income taxes, including a tax penalty if You are younger than age 59½.

***Tax Treatment***. You can transfer money between Investment Options without tax implications, and earnings (if any) on Your investments are generally tax-deferred. You are taxed only upon: (1) making a withdrawal; (2) receiving a payment from us; or (3) payment of a death benefit; (4) or as required under the Internal Revenue Code for certain transactions.

***Death Benefits***. The Policy includes, at no additional cost, a default death benefit that will pay Your designated beneficiaries at least the Policy Value or as required under the Internal Revenue Code for certain transactions. You can purchase a guaranteed minimum death benefit for an additional fee, which may increase the amount of money payable to Your designated beneficiaries upon Your death.

***Optional Living Benefits.*** For an additional fee, You can purchase a Guaranteed Lifetime Withdrawal Benefit, which is designed to provide a guaranteed level of withdrawals from Your Policy, regardless of investment performance.

***Optional Liquidity Rider.*** For an additional fee, You can reduce the number of years that each premium payment is subject to surrender charges from seven years to four years.

***Additional Services.*** At no additional charge, You may select the following additional services:

● ***Dollar-Cost Averaging.*** This service allows You to automatically transfer amounts between certain Investment Options on a monthly basis.

● ***Asset Rebalancing.*** This service automatically reallocates Your Policy Value among Your Investment Options on a periodic basis to maintain Your standing allocation instructions.

● ***Systematic Payout Options.*** This service allows You to receive regular automatic withdrawals from Your Policy either on a monthly, quarterly, semi-annual and annual basis.

● ***Telephone and Electronic Transactions.*** This service allows You to make certain transactions by telephone or other electronic means with the appropriate authorization from You.

**important INFORMATION you should consider about the policy** 

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| | | |
|:---|:---|:---|
|  | FEES AND EXPENSES | &nbsp;&nbsp; Location in<br> Prospectus<br>|
| Are There Charges for <br> Early Withdrawal?<br>| &nbsp;&nbsp; Yes. If You withdraw money during a specified number of Policy Years <br> following each premium payment, You may be assessed a surrender charge. <br> The surrender charge is assessed for 7 years with a maximum of 8% under <br> the B-Share. The charge is assessed for 4 years with a maximum of 8% <br> under the B-Share with Liquidity Rider which is no longer available for <br> purchase in New York.<br> For example, if You make an early withdrawal, You could pay a surrender <br> charge on a $100,000 investment of up to $8,000 for the B-Share or <br> B-Share with Liquidity Rider. | &nbsp;&nbsp; Annuity Policy Fee <br> Tables and Expense <br> Examples<br> Transaction Expenses - <br> Surrender Charge<br> Access to Your Money <br> Surrenders and <br> Withdrawals<br>|

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FEES AND EXPENSES Location in Prospectus

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RISKS Location in Prospectus

RESTRICTIONS Location in Prospectus

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RESTRICTIONS Location in Prospectus

TAXES Location in Prospectus

CONFLICT OF INTEREST Location in Prospectus

**Benefits Available Under the Policy**

The following table summarizes information about the benefits available under the Policy.

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| | | | | |
|:---|:---|:---|:---|:---|
| Name of Benefit | Purpose | Standard<br> or<br> Optional<br>| Maximum<br> Annual Fee<br>| Brief Description of<br> Restrictions/Limitations<br>|
| Liquidity Rider | Reduces the number of years <br> each premium payment is <br> subject to surrender charges <br> from 7 years to 4 years.<br>| Optional | 0.50% annually of <br> the Separate Account <br> Value for the first 4 <br> Policy Years only.<br>| ●Available only at Policy <br> purchase and is currently not <br> available for purchase in New <br> York.<br> ●We may credit lower interest <br> rate to amounts allocated to <br> the Fixed Account while the <br> rider is in effect.<br> ●You cannot drop this benefit.<br>|
| "Base Policy" Death <br> Benefit<br>| Pays a minimum death benefit <br> equal to the greatest of Policy <br> Value, Cash Value plus positive <br> Excess Interest Adjustment and <br> Fixed Account portion of <br> minimum required Cash Value <br> plus the Separate Account <br> portion of the Policy Value.<br>| Standard | No Charge | ●Available only at Policy <br> purchase.<br> ●You cannot drop this benefit <br> once elected.<br> ●This benefit terminates <br> without value upon <br> Annuitization.<br>|
| Return of Premium <br> Death Benefit<br>| Pays minimum death benefit <br> equal to total premium <br> payments (minus any adjusted <br> withdrawals as of the date of <br> death, and minus withdrawals <br> from the date of death to the <br> date the death benefit is paid).<br>| Optional | 0.15% annually as a <br> percentage of <br> Separate Account <br> Value<br>| ●Available only at Policy <br> purchase.<br> ●You cannot drop this benefit <br> once elected.<br> ●Not available if You or <br> Annuitant is 86 or older on <br> Policy Date.<br> ●Benefit is subject to <br> Investment Restrictions.<br> ●Withdrawals could <br> significantly reduce or even <br> terminate this benefit.<br> ●Telephone and on-line <br> transfers among Investment <br> Options are not available.<br> ●This benefit terminates <br> without value upon <br> Annuitization.<br>|

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|:---|:---|:---|:---|:---|
| Name of Benefit | Purpose | Standard<br> or<br> Optional<br>| Maximum<br> Annual Fee<br>| Brief Description of<br> Restrictions/Limitations<br>|
| Annual Step-Up Death <br> Benefit<br>| Pays a death benefit equal to the <br> highest Policy Value on Policy <br> Date or on any Policy <br> Anniversary prior to <br> Annuitant's 81st birthday <br> (adjusted for premium <br> payments and withdrawals).<br>| Optional | 0.35% as a <br> percentage of <br> Separate Account <br> Value<br>| ●Available only at Policy <br> purchase.<br> ●You cannot drop this benefit <br> once elected.<br> ●Not available if You or <br> Annuitant is 76 or older on <br> Policy Date.<br> ●Benefit is subject to <br> Investment Restrictions.<br> ●Withdrawals could <br> significantly reduce or even <br> terminate this benefit.<br> ●Policy Value "Step-Up" <br> eligibility ends on Your Policy <br> Anniversary prior to Your <br> 81st birthday.<br> ●This benefit terminates <br> without value upon <br> Annuitization.<br>|
| Nursing Care and <br> Terminal Condition <br> Waiver<br>| Waives Surrender Charges and <br> Excess Interest Adjustments if <br> You or Your spouse are confined <br> to a nursing home or have a <br> terminal illness.<br>| Standard | No charge | ●Withdrawals are subject to a <br> $1,000 minimum.<br> ●Qualifying conditions related <br> to nursing home stay and <br> terminal illness.<br>|
| Unemployment Waiver | Waives Surrender Charges and <br> Excess Interest Adjustments if <br> You or Your spouse become <br> unemployed due to involuntary <br> job termination or lay-off.<br>| Standard | No charge | ●There are certain qualifying <br> conditions related to Your job <br> termination and job history.<br> ●You must be employed full <br> time on the Policy Date and <br> employed full time for at least <br> two years prior to becoming <br> unemployed.<br> ●You must be unemployed for <br> a certain period of time prior <br> to taking withdrawals, be <br> receiving unemployment and <br> have $5,000 in Cash Value.<br>|

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|:---|:---|:---|:---|:---|
| Name of Benefit | Purpose | Standard<br> or<br> Optional<br>| Maximum<br> Annual Fee<br>| Brief Description of<br> Restrictions/Limitations<br>|
| Traditional and Special <br> Dollar Cost Averaging <br> Program<br>| Allows You to automatically <br> make transfers into one or more <br> Subaccounts in accordance with <br> Your allocation instructions in <br> order, on average, to buy more <br> Accumulation Units when <br> prices are low and fewer <br> Accumulation Units when <br> prices are high.<br>| Standard | No charge | ●Traditional - A minimum of <br> $500 per transfer is required.<br> ●There are maximum and <br> minimum transfer <br> requirements.<br> ●Special - Limited to set period <br> of time and is only available <br> for new premium payments <br> (subject to minimum <br> amounts). Transfers can only <br> be made from a fixed source, <br> and we may credit a lower <br> interest rate than for a <br> traditional program.<br>|
| Asset Rebalancing | Allows You to automatically <br> rebalance the amounts in Your <br> Subaccounts to maintain Your <br> desired asset allocation.<br>| Standard | No charge | ●Does not include any <br> amounts allocated to the <br> Fixed Account.<br>|
| Systematic Payout <br> Option<br>| Provides monthly, quarterly, <br> semi-annual or annual <br> withdrawals.<br>| Optional | No Charge | ●Subject to $40 minimum <br> withdrawals.<br> ●Systematic withdrawals in <br> excess of cumulative interest <br> credited from Guaranteed <br> Period Options may be <br> subject to Excess Interest <br> Adjustment.<br> ●Systematic withdrawals in <br> excess of remaining Surrender <br> Charge Free Amount may be <br> subject to Surrender Charge.<br> ●Systematic withdrawals can <br> significantly reduce benefit <br> value or terminate benefit.<br>|

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| | | | | |
|:---|:---|:---|:---|:---|
| Name of Benefit | Purpose | Standard<br> or<br> Optional<br>| Maximum<br> Annual Fee<br>| Brief Description of<br> Restrictions/Limitations<br>|
| Transamerica Principal <br> OptimizerSM Rider<br>| Provides retirement income for <br> life through a Guaranteed <br> Lifetime Withdrawal Benefit <br> and a Guaranteed Minimum <br> Accumulation Benefit.<br>| Optional | 2.50% annually of <br> the Rider Fee Basis<br>| ●Cannot be added to a Policy <br> with another active <br> Guaranteed Minimum Living <br> Benefit Rider or with <br> Inherited IRA policies.<br> ●Cannot elect this rider if Your <br> original Policy application <br> was signed in New York <br> December 4, 2023 or later <br> and Your Policy has the <br> Return of Premium or <br> Annual Step-Up Death <br> Benefit options.<br> ●Available for <br> Annuitant/Annuitant's spouse <br> younger than age 86 unless <br> state law requires further <br> restrictions.<br> ●Rider fees are subject to <br> increase (or decrease) at the <br> time of any automatic step-up <br> of the withdrawal base. You <br> can opt out of any step-up <br> (and fee increase).<br> ●Joint Life options are <br> available subject to certain <br> restrictions and differences, <br> including our right to charge <br> a higher fee and provide lower <br> annual withdrawal amounts.<br> ●Benefit is subject to <br> Investment Restrictions, <br> including a certain percentage <br> of Your Policy Value must be <br> allocated to the Stable <br> Account.<br> ●Certain withdrawals could <br> significantly reduce or even <br> terminate the benefits.<br> ●Guaranteed minimum <br> accumulation portion of <br> benefit applies only if rider is <br> held for the waiting period <br> You elect (7 or 10 years).<br> ●Rider withdrawal amount <br> under guaranteed minimum <br> withdrawal equal to the <br> withdrawal base multiplied by <br> the withdrawal percentage.<br> ●All withdrawals reduce Your <br> Policy Value, may be subject <br> to surrender charges and/or <br> Excess Interest Adjustments, <br> as well as income tax and <br> penalties.<br> ●Benefit terminates upon <br> Annuitization.<br>|

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| | | | | |
|:---|:---|:---|:---|:---|
| Name of Benefit | Purpose | Standard<br> or<br> Optional<br>| Maximum<br> Annual Fee<br>| Brief Description of<br> Restrictions/Limitations<br>|
| Transamerica Income <br> EdgeSM 1.2 Rider<br>| Provides Guaranteed Lifetime <br> Withdrawal Benefit amount, <br> which can be withdrawn in any <br> rider year after age 59.<br>| Optional | 2.50% as a <br> percentage of the <br> Withdrawal Base<br>| ●Cannot be added to a Policy <br> with another active <br> Guaranteed Minimum Living <br> Benefit Rider or with <br> Inherited IRA policies.<br> ●Available for <br> Annuitant/Annuitant's spouse <br> younger than age 86 unless <br> state law requires further <br> restrictions.<br> ●Joint Life options available <br> subject to certain restrictions <br> and differences, including <br> right to charge higher fee and <br> provide lower annual <br> withdrawal amounts.<br> ●Rider fees subject to increase <br> (or decrease) at time of any <br> automatic step-up of the <br> withdrawal base. You can opt <br> out of any step-up (and fee <br> increase).<br> (1) You will have the option of <br> selecting a monthly term or a <br> quarterly term. If quarterly, it <br> would be a minimum of 4 <br> quarters or a maximum of 8 <br> quarters.<br> ●Rider withdrawal amount <br> under guaranteed minimum <br> withdrawal equal to the <br> withdrawal base multiplied by <br> the withdrawal percentage.<br> ●All withdrawals reduce Your <br> Policy Value, may be subject <br> to surrender charges and/or <br> Excess Interest Adjustments, <br> as well as income tax and <br> penalties.<br> ●Benefit terminates upon <br> Annuitization.<br>|

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**buying the policy**

**Purchasing the Policy**

Your application must be submitted with Your initial purchase payment. We reserve the right to reject or accept any form of payment. If we approve Your application, we will send You the Policy either directly or through Your registered representative, as well as a statement confirming Your purchase.

**Making Premium Payments under the Policy**

You must make an initial minimum premium payment, and You may make subsequent premium payments as shown below.

The following table provides additional information about premium payments under the Policy. We reserve the right to restrict or refuse any premium payment.

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**Qualified Policies** **Non-Qualified Policies** 

\*These amounts take into consideration the total purchase payments for all variable annuity Policies issued by us or our affiliates for which You are the Owner or Annuitant.

**Investing Premium Payments under the Policy**

Your purchase payments will be invested in the Investment Options that You choose.

**Crediting Premium Payments to Your Account**

***Initial Purchase Payment***. If Your application and initial premium payment are in good order when we receive them, or once they are in good order, Your initial premium payment will be credited within 2 <u>Business Days</u> of Your application or initial premium payment. However, we will not hold Your initial premium payments for more than 5 Business Days without Your permission.

***Subsequent Purchase Payments***. If we receive a subsequent premium payment in good order prior to the close of the New York Stock Exchange (normally 4:00 p.m., New York time) on a Business Day, we will price the premium payment on that Business Day. If we receive a subsequent premium payment in good order on a non-Business Day or after the close of the New York Stock Exchange on a Business Day, the payment will be priced on the next Business Day.

**surrendering your policy or making withdrawals: accessing the Money in Your Policy**

**Accumulation Phase**

You can access the money in Your Policy by taking a withdrawal or surrender, or through systematic payouts. Withdrawals will reduce Your Policy Value and can reduce or even terminate certain benefits. You may withdraw all or a portion of Your Policy Value, less any applicable surrender charges, Excess Interest Adjustment, fees, and taxes. Additional restrictions may apply to qualified policies. You can take a withdrawal of up to 10% of Your premium payments each <u>Policy Year</u> free of surrender charges. ***Withdrawing the entire Cash Value of Your Policy (i.e., surrendering Your Policy) will terminate Your Policy and all benefits without value***.

There are limitations on Your ability to take withdrawals during the accumulation phase. These limitations are as follows:

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| | |
|:---|:---|
| **Minimum withdrawal amount** | $500 |
| **Surrender charges, Excess Interest Adjustment and taxes** | &nbsp;&nbsp;&nbsp;&nbsp; There may be surrender charge, Excess Interest Adjustment <br> and tax implications when You take out money.<br>|
| **Negative impact on benefits and guarantees of Your Policy** | &nbsp;&nbsp;&nbsp;&nbsp; A withdrawal may have a negative impact on certain optional <br> benefits that You may elect. It may significantly reduce the <br> value or even terminate the benefit.<br>|
| **Internal Revenue Code or Retirement Plans** | &nbsp;&nbsp;&nbsp;&nbsp; Depending on the circumstances, the Internal Revenue Code <br> or Your retirement plan may restrict Your ability to take <br> withdrawals.<br>|

---

------

**Annuity Payout Phase**

During the annuity (income) phase, You will receive annuity payments under the <u>Annuity Payment Option</u> You select, however, You generally may not take any other surrenders, either full or partial.

**Requesting a Surrender or Withdrawal**

You can request a surrender or withdrawal by submitting a written request on an approved distribution request form (available from our <u>Administrative Office</u>). If we receive a surrender or withdrawal request in good order prior to the close of the New York Stock Exchange (normally 4:00 p.m., New York time) on a Business Day, we will price the order on that Business Day. If we receive a surrender or withdrawal request in good order on a non-Business Day or after the close of the New York Stock Exchange on a Business Day, we will price the order on the next Business day.

Surrender and withdrawal payments will generally be mailed within seven days after we receive the request in good order. We may delay payments from the Fixed Account for up to six months.

**additional information about fees**

The following tables describe the fees and expenses that You will pay when buying, owning, and surrendering the Policy. Please refer to Your Policy specifications page for information about the specific fees You will pay based on the options You have elected.

**Transaction Expenses:**

The first table describes the fees and expenses that You will pay at the time that You buy the Policy, surrender the Policy, or transfer Cash Value between Investment Options. State premium taxes may also be deducted.

---

| | | |
|:---|:---|:---|
| **Share Classes** | **B-Share** | **B-Share with**<br> **Liquidity Rider**<br>|
| **Contingent Deferred Surrender Charges (as a percentage of premium surrendered or withdrawn)**<sup>(1)</sup> | **Contingent Deferred Surrender Charges (as a percentage of premium surrendered or withdrawn)**<sup>(1)</sup> | **Contingent Deferred Surrender Charges (as a percentage of premium surrendered or withdrawn)**<sup>(1)</sup> |
| Number of Years Since Premium Payment Date |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 1 | &nbsp;&nbsp; 8% | &nbsp;&nbsp; 8% |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 2 | &nbsp;&nbsp; 8% | &nbsp;&nbsp; 8% |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 3 | &nbsp;&nbsp; 7% | &nbsp;&nbsp; 7% |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 4 | &nbsp;&nbsp; 6% | &nbsp;&nbsp; 6% |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 5 | &nbsp;&nbsp; 5% | &nbsp;&nbsp; 0% |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 6 | &nbsp;&nbsp; 4% | &nbsp;&nbsp; 0% |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 7 | &nbsp;&nbsp; 3% | &nbsp;&nbsp; 0% |
| &nbsp;&nbsp;&nbsp;&nbsp; Year 8 or more | &nbsp;&nbsp; 0% | &nbsp;&nbsp; 0% |
| **Transfer Fee**<sup>(2)</sup> <br>| $10 | $10 |
| **Special Service Fee**<sup>(3)</sup> <br>| $50\* | $50\* |

---

<sup>(1)</sup> The surrender charge, if any is imposed, applies to each premium payment, regardless of how Policy Value is allocated among the Investment Options. The surrender charge decreases based on the number of years since that premium payment was made.

<sup>(2)</sup> The transfer fee, if any is imposed, applies to each Policy, regardless of how Policy Value is allocated among the Investment Options. There is no fee for the first 12 transfers per Policy Year. For additional transfers, we may charge a fee of $10 per transfer. Currently, we do not charge a transfer fee, but reserve the right to do so.

<sup>(3)</sup> We currently deduct a charge for overnight delivery and duplicate policies. We reserve the right to deduct a charge for special services in the future, including non-sufficient checks on new business; duplicate Form 1099 and Form 5498 tax forms; check copies; printing and mailing previously submitted forms; and asset verification requests from mortgage companies. We may charge a fee for each service performed and fees may vary based on the type of service but will not exceed the maximum Special Service Fee shown above.

**Annual Policy Expenses:**

The next table describes the fees and expenses that You will pay *each year* during the time that You own the Policy, not including underlying fund portfolio fees and expenses. If You choose to purchase an optional benefit, You will pay additional charges.

------

---

| | |
|:---|:---|
| **Share Class** | **B-Share** |
| Annual Service Charge | Lesser of $35<br> or 2% of<br> the Policy Value<br>|
| **Base Contract Expenses** (as a percentage of average Separate Account Value): | &nbsp;&nbsp; 1.15% |
| **Optional Benefit Expenses:** |  |
| &nbsp;&nbsp;&nbsp;&nbsp; Return of Premium Death Benefit (as a percentage, annually, of average Separate Account Value) | &nbsp;&nbsp; 0.15% |
| &nbsp;&nbsp;&nbsp;&nbsp; Annual Step-Up Death Benefit (as a percentage, annually, of average Separate Account Value) | &nbsp;&nbsp; 0.35% |
| &nbsp;&nbsp;&nbsp;&nbsp; Liquidity Rider (as a percentage, annually, of average Separate Account Value) No longer available in New York. | &nbsp;&nbsp; 0.50% |

---

<u>Fund Facilitation Fee</u>: Any Fund Facilitation Fee is a Separate Account expense in addition to the mortality and expense risk and administrative fees. This daily fee is applied only to Policy Value in the Subaccounts invested in the following Portfolio Companies:

---

| | |
|:---|:---|
| **Portfolio Companies** | **Annualized**<br> **Fee %**<br>|
| Dimensional VA Global Bond Portfolio - Institutional Class<br> Vanguard<sup>®</sup> VIF Balanced Portfolio<br> Vanguard<sup>®</sup> VIF Conservative Allocation Portfolio<br> Vanguard<sup>®</sup> VIF Mid-Cap Index Portfolio<br> Vanguard<sup>®</sup> VIF Moderate Allocation Portfolio<br>| &nbsp;&nbsp; 0.60% |
| Fidelity<sup>®</sup> VIP Consumer Staples - Initial Class<br> Fidelity<sup>®</sup> VIP Technology Portfolio - Initial Class<br> Fidelity<sup>®</sup> VIP Utilities Portfolio - Initial Class<br>| &nbsp;&nbsp; 0.50% |
| Fidelity<sup>®</sup> VIP Balanced Portfolio - Service Class 2<br> Fidelity<sup>®</sup> VIP Energy Portfolio - Service Class 2<br> Fidelity<sup>®</sup> VIP Health Care Portfolio - Service Class 2<br>| &nbsp;&nbsp; 0.30% |
| AB Balanced Hedged Allocation Portfolio - Class B<br> American Funds Insurance Series® - Asset Allocation Fund<sup>SM</sup> Class 4<br> State Street Total Return V.I.S. Fund - Class 3<br>| &nbsp;&nbsp; 0.20% |
| American Funds - New World Fund<sup>®</sup> - Class 4<br>Putnam VT International Value Funs - Class IB<br> TA MSCI EAFE Index - Service Class<br> TA S&P 500 Index - Service Class<br>| &nbsp;&nbsp; 0.15% |
| American Funds Insurance Series® - Growth Fund<sup>SM</sup> - Class 4<br> American Funds Insurance Series® - Growth-Income Fund<sup>SM</sup> - Class 4<br> American Funds Insurance Series® - EUPAC Fund<sup>TM</sup> - Class 4<br>| &nbsp;&nbsp; 0.13% |
| American Funds Insurance Series® - The Bond Fund of America<sup>SM</sup> - Class 4 | &nbsp;&nbsp; 0.11% |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
|  | **Maximum** |
| **Optional Guaranteed Lifetime Withdrawal Benefit Riders:** |  |
| Transamerica Principal Optimizer<sup>SM</sup> rider (annual charge - % of the Rider Fee Basis)\* | &nbsp;&nbsp; 2.50% |
| Transamerica Income Edge<sup>SM</sup> 1.2 rider (annual charge - % of Withdrawal Base)\* | &nbsp;&nbsp; 2.50% |

---

\*The current rider fee will be less than or equal to the stated Maximum. Your rider fee may increase (or decrease) at the time of any automatic step-up or optional reset. Your rider fee percentage will not exceed the maximum in effect when You purchase the rider. The current rider fee will be disclosed in a Rate Sheet Prospectus Supplement. All Rate Sheet Prospectus Supplements are available on the EDGAR system at sec.gov (File Numbers 333-233836 for TLIC and 333-233840 for TFLIC).

**Annual Portfolio Company Expenses:**

The next table shows the lowest and highest total operating expenses charged by the Portfolio Companies that You may pay periodically during the time You own the Policy. A complete list of Portfolios available under the Policy, including their annual expenses, may be found under <u>Appendix - Investment Options Available Under the Policy</u>.

------

---

| | |
|:---|:---|
| **Total Portfolio Annual Operating Expenses (Expenses that are deducted from portfolio assets,** <br> **including management fees, distribution and/or service 12b-1 fees, Fund Facilitation Fee if** <br> **applicable and other expenses):**<br>|  |
| Lowest Gross | &nbsp;&nbsp; 0.53% |
| Highest Gross | &nbsp;&nbsp; 1.36% |

---

**Expense Examples:**

The following Examples are intended to help You compare the cost of investing in the Policy with the cost of investing in other variable annuity policies. These costs include transaction expenses, annual Policy expenses, and Portfolio Company operating expenses.

The Examples assume that You invest $100,000 in the Policy for the time periods indicated. The Examples also assume that Your Policy has a 5% return each year and assumes the most expensive combination of annual Portfolio Company expenses and optional benefits available for an additional charge. Although Your actual costs may be higher or lower, based on these assumptions, Your costs would be:

If the Policy is surrendered at the end of the applicable time period:

---

| | | |
|:---|:---|:---|
|  | **B-Share** | **B-Share**<br> **w/Liquidity Rider**<br>|
| 1 Year | &nbsp;&nbsp; $14238 | &nbsp;&nbsp; $14723 |
| 3 Years | &nbsp;&nbsp; $27728 | &nbsp;&nbsp; $29092 |
| 5 Years | &nbsp;&nbsp; $40690 | &nbsp;&nbsp; $37877 |
| 10 Years | &nbsp;&nbsp; $74306 | &nbsp;&nbsp; $75639 |

---

If the Policy is Annuitized at the end of the applicable time period or if You do not surrender Your Policy:

---

| | | |
|:---|:---|:---|
|  | **B-Share** | **B-Share**<br> **w/Liquidity Rider**<br>|
| 1 Year | &nbsp;&nbsp; $7038 | &nbsp;&nbsp; $7523 |
| 3 Years | &nbsp;&nbsp; $21428 | &nbsp;&nbsp; $22792 |
| 5 Years | &nbsp;&nbsp; $36190 | &nbsp;&nbsp; $37877 |
| 10 Years | &nbsp;&nbsp; $74306 | &nbsp;&nbsp; $75639 |

---

Please remember that these Examples are illustrations and do not represent past or future expenses. Your actual expenses may be lower or higher than those reflected in the Examples. Similarly, Your rate of return may be more or less than the 5% assumed in the Examples. The Examples don't reflect premium tax charges, special service fees, or transfer fees. Different fees and expenses not reflected in the Examples may be assessed during the income phase of the Policy.

------

***APPENDIX***

**investment options AVAILABLE UNDER THE POLICY**

The following is a list of current Portfolio Companies available under the Policy, which are subject to change as discussed in this prospectus. Depending on the optional benefits You choose, You may not be able to invest in certain Portfolio Companies.

Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact our Administrative Office.

More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at http://dfinview.com/Transamerica/TAHD/89355V436?site=VAVUL. You can also request this information at no cost by calling our <u>Administrative Office</u> at (800)525-6205.

The current expenses and performance below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance.

The availability of Investment Options may vary depending on the financial intermediary through which the Policy is sold. In some cases, an option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available, please contact Your financial intermediary or our Administrative Office. See Appendix - Financial Intermediary Variations.

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To maximize total return consistent with the Adviser's determination of reasonable risk. | AB Balanced Hedged Allocation Portfolio - Class B<br>Advised by: AllianceBernstein L.P. | 0.99% | 0.20% | 1.19% | 17.36% | 5.64% | 6.74% |
| Long-term growth of capital. | AB Relative Value Portfolio - Class B<br>Advised by: AllianceBernstein L.P. | 0.86% |  | 0.86% | 10.20% | 11.15% | 10.30% |
| To provide high total return (including income and capital gains) consistent with preservation of capital over the long term. | American Funds Insurance Series® - Asset Allocation Fund - Class 4<br>Advised by: Capital Research and Management Company | 0.79% | 0.20% | 0.99% | 26.41% | 3.14% | 6.73% |
| To provide growth of capital. | American Funds Insurance Series® - Growth Fund - Class 4<br>Advised by: Capital Research and Management Company | 0.83% | 0.13% | 0.96% | 16.90% | 13.60% | 12.08% |
| To achieve long-term growth of capital and income. | American Funds Insurance Series® - Growth-Income Fund - Class 4<br>Advised by: Capital Research and Management Company | 0.78% | 0.13% | 0.91% | 20.16% | 8.82% | 7.32% |
| To provide long-term growth of capital. | American Funds Insurance Series® - EUPAC Fund<sup>TM</sup> - Class 4<sup>(6)</sup><br>Advised by: Capital Research and Management Company | 1.03% | 0.13% | 1.16% | 15.59% | 8.70% | 9.50% |
| Long-term capital appreciation. | American Funds Insurance Series® - New World Fund® - Class 4<br>Advised by: Capital Research and Management Company | 1.15% | 0.15% | 1.30% | 8.32% | 0.06% | 1.43% |
| To provide as high a level of current income as is consistent with the preservation of capital. | American Funds Insurance Series® - The Bond Fund of America® - Class 4<br>Advised by: Capital Research and Management Company | 0.88% | 0.11% | 0.99% | 6.98% | -0.38% | 2.11% |
| To provide a market rate of return for a fixed income portfolio with low relative volatility of returns. | Dimensional VA Global Bond Portfolio - Institutional<br>Advised by: Dimensional Fund Advisors LP; Sub-Advised by: Dimensional Fund Advisors Ltd. | 0.21% | 0.60% | 0.81% | 4.35% | 1.38% | 1.81% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| Seeks income and capital growth consistent with reasonable risk. | Fidelity® VIP Balanced Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.66% | 0.30% | 0.96% | 14.96% | 9.24% | 10.84% |
| Seeks capital appreciation. | Fidelity® VIP Consumer Staples - Initial<br>Advised by: Fidelity Management & Research Company LLC | 0.61% | 0.50% | 1.11% | -2.98% | 3.70% | 5.87% |
| Seeks long-term capital appreciation. | Fidelity® VIP Contrafund® Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.79% |  | 0.79% | 21.24% | 15.08% | 15.49% |
| Seeks capital appreciation. | Fidelity® VIP Energy Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.85% | 0.30% | 1.15% | 10.34% | 23.86% | 7.69% |
| Seeks capital appreciation. | Fidelity® VIP Health Care Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.84% | 0.30% | 1.14% | 14.10% | 3.92% | N.A |
| Seeks long-term growth of capital. | Fidelity® VIP Mid Cap Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.80% |  | 0.80% | 11.49% | 9.83% | 10.31% |
| Seeks capital appreciation. | Fidelity® VIP Technology Portfolio - Initial<br>Advised by: Fidelity Management & Research Company LLC | 0.56% | 0.50% | 1.06% | 23.36% | 16.83% | 23.76% |
| Seeks capital appreciation. | Fidelity® VIP Utilities Portfolio - Initial<br>Advised by: Fidelity Management & Research Company LLC | 0.60% | 0.50% | 1.10% | 14.11% | 12.52% | 12.51% |
| Seeks capital appreciation. | Fidelity® VIP Value Strategies Portfolio - Service 2<br>Advised by: Fidelity Management & Research Company LLC | 0.84% |  | 0.84% | 7.70% | 11.87% | 10.54% |
| Seeks capital growth. Current income is a secondary objective. | Putnam VT International Value Fund - Class IB<sup>(3)</sup><br>Advised by: Putnam Investment Management, LLC; Sub-Advised by: Franklin Advisers, Inc. | 1.06% | 0.15% | 1.21% | 34.68% | 12.49% | 8.86% |
| To seek the highest total return, composed of current income and capital appreciation, as is consistent with prudent investment risk. | State Street Total Return V.I.S. Fund - Class 3<sup>(5)</sup><br>Advised by: State Street Investment Management | 0.95% | 0.20% | 1.15% | 15.48% | 6.85% | 6.91% |
| To seek long-term capital appreciation and current income. | Transamerica 60/40 Allocation VP - Service<br>Advised by: Aegon Asset Management UK plc ("AAM") | 0.87% |  | 0.87% | 14.90% | 7.88% | 7.97% |
| To seek to provide high total return through a combination of current income and capital appreciation. | Transamerica Aegon Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.78% |  | 0.78% | 6.78% | -0.60% | 1.82% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek to achieve maximum total return. | Transamerica Aegon Core Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.73% | 0.73% | 6.73% | -0.38% | 1.84% |
| To seek a high level of current income by investing in high-yield debt securities. | Transamerica Aegon High Yield Bond VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.89% | 0.89% | 8.27% | 3.89% | 5.64% |
| To seek total return gained from the combination of dividend yield, growth of dividends and capital appreciation. | Transamerica Aegon Sustainable Equity Income VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management UK plc | 0.97% | 0.97% | 10.99% | 8.11% | 7.08% |
| To seek to provide as high a level of total return as is consistent with prudent investment strategies. | Transamerica Aegon U.S. Government Securities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Management, LLC | 0.84% | 0.84% | 5.56% | -1.52% | 0.94% |
| To seek total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection. | Transamerica American Funds Managed Risk VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Milliman Financial Risk Managment LLC | 1.10% | 1.10% | 17.88% | 14.42% | 14.82% |
| To seek as high a level of current income as is consistent with preservation of capital and liquidity. | Transamerica BlackRock Government Money Market VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC<sup>(2)</sup> | 0.54% | 0.54% | 3.81% | 2.91% | 1.72% |
| To seek current income and preservation of capital. | Transamerica BlackRock iShares Active Asset Allocation - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.93% | 0.93% | 8.65% | 2.65% | 4.17% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica BlackRock iShares Active Asset Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.94% | 0.94% | 10.64% | 5.18% | 4.94% |
| To seek capital appreciation and current income. | Transamerica BlackRock iShares Active Asset Allocation - Moderate VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.90% | 0.90% | 9.50% | 3.98% | 4.66% |
| To seek capital appreciation and income. | Transamerica BlackRock iShares Dynamic Allocation - Balanced - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.91% | 0.91% | 9.42% | 4.24% | 4.19% |
| To seek capital appreciation and income. | Transamerica BlackRock iShares Dynamic Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.90% | 0.90% | 10.35% | 6.72% | 5.38% |
| To seek long-term capital appreciation. | Transamerica BlackRock iShares Edge 100 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.80% | 0.80% | 18.54% | 9.24% | 10.39% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek long-term capital appreciation and capital preservation. | Transamerica BlackRock iShares Edge 40 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.71% | 0.71% | 11.42% | 3.21% | 4.65% |
| To seek long-term capital appreciation and capital preservation. | Transamerica BlackRock iShares Edge 50 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.69% | 0.69% | 12.35% | 4.14% | 5.95% |
| To seek long-term capital appreciation with capital preservation as a secondary objective. | Transamerica BlackRock iShares Edge 75 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.75% | 0.75% | 15.47% | 6.70% | 8.14% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.92% | 0.92% | 13.00% | 3.04% | 5.22% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.94% | 0.94% | 10.65% | 1.67% | 4.43% |
| To seek a combination of capital appreciation and income. | Transamerica BlackRock iShares Tactical - Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.95% | 0.95% | 15.58% | 5.65% | 6.85% |
| To seek to maximize total return. | Transamerica BlackRock Real Estate Securities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 1.11% | 1.11% | 9.32% | 2.41% | 3.41% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica BlackRock Tactical Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: BlackRock Investment Management, LLC | 0.97% | 0.97% | 11.72% | 5.42% | 6.81% |
| Seeks long-term capital appreciation with current income as a secondary objective | Transamerica Goldman Sachs 70/30 VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 1.36% | 1.36% | 17.77% | 7.56% | 11.21% |
| To seek to balance capital appreciation and income. | Transamerica Goldman Sachs Managed Risk - Balanced ETF VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 0.63% | 0.63% | 10.77% | 5.10% | 5.67% |
| To seek current income and preservation of capital. | Transamerica Goldman Sachs Managed Risk - Conservative ETF VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 0.66% | 0.66% | 10.07% | 3.31% | 4.43% |
| To seek capital appreciation as a primary objective and income as a secondary objective. | Transamerica Goldman Sachs Managed Risk - Growth ETF VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Goldman Sachs Asset Management, L.P. | 0.66% | 0.66% | 12.27% | 7.84% | 7.65% |
| To seek long-term capital appreciation. | Transamerica Great Lakes Advisors Large Cap Value VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Great Lakes Advisors, LLC | 0.94% | 0.94% | 23.65% | 14.52% | 9.31% |
| To seek long-term capital appreciation. | Transamerica International Focus VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Sands Capital Management, LLC | 1.08% | 1.08% | 6.24% | 0.74% | 5.19% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To seek long-term capital growth, consistent with preservation of capital and balanced by current income. | Transamerica Janus Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Janus Henderson Investors US LLC | 0.99% | 0.99% | 13.46% | 7.57% | 9.31% |
| To seek long-term capital appreciation. | Transamerica Janus Mid-Cap Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Janus Henderson Investors US LLC | 1.09% | 1.09% | 7.85% | 6.91% | 10.87% |
| To seek current income and preservation of capital. | Transamerica JPMorgan Asset Allocation - Conservative VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.96% | 0.96% | 10.36% | 2.09% | 4.64% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan Asset Allocation - Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.02% | 1.02% | 12.84% | 5.57% | 7.80% |
| To seek capital appreciation and current income. | Transamerica JPMorgan Asset Allocation - Moderate VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.97% | 0.97% | 11.54% | 3.59% | 6.05% |
| To seek long-term capital appreciation. | Transamerica JPMorgan Diversified Equity Allocation VP - Service<sup>(4)</sup><br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.05% | 1.05% | 19.06% | 8.87% | 10.90% |
| To seek to earn a total return modestly in excess of the total return performance of the S&P 500® Index while maintaining a volatility of return similar to the S&P 500® Index. | Transamerica JPMorgan Enhanced Index VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 0.86% | 0.86% | 15.90% | 14.10% | 14.32% |
| To seek capital appreciation with current income as a secondary objective. | Transamerica JPMorgan International Moderate Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.12% | 1.12% | 17.67% | 3.25% | 5.51% |
| To seek current income and preservation of capital. | Transamerica JPMorgan Tactical Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: J.P. Morgan Investment Management, Inc. | 1.05% | 1.05% | 8.83% | 1.80% | 4.15% |
| To seek high total return through the combination of income and capital appreciation. | Transamerica Madison Diversified Income VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Madison Asset Management, LLC | 1.09% | 1.09% | 7.22% | 2.20% | 4.86% |
| To seek capital appreciation. | Transamerica Market Participation Strategy VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PGIM Quantitative Solutions LLC | 0.98% | 0.98% | 10.02% | 6.46% | 8.15% |
| Seeks to provide capital appreciation and<br>income while seeking to manage volatility. | Transamerica Morgan Stanley Global Allocation Managed Risk - Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Milliman Financial Risk Managment LLC | 1.24% | 1.24% | 14.21% | 3.27% | 4.10% |
| To seek high total return. | Transamerica Morgan Stanley Global Allocation VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Morgan Stanley Investment Management Inc. | 1.03% | 1.03% | 17.51% | 4.90% | 6.86% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| Seeks to track the investment results of an index composed of large- and mid-capitalization developed market equities, excluding the U.S. and Canada. | Transamerica MSCI EAFE Index VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc. | 0.62% |  | 0.62% | 30.93% | 8.53% | 7.55% |
| To seek to provide a high total investment return through investments in a broadly diversified portfolio of stocks, bonds and money market instruments. | Transamerica Multi-Managed Balanced VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Aegon USA Investment Mangement, Inc. | 0.89% |  | 0.89% | 12.73% | 8.34% | 9.46% |
| To seek maximum real return, consistent with appreciation of capital. | Transamerica PineBridge Inflation Opportunities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: PineBridge Investments LLC | 0.81% | 0.15% | 0.96% | 5.35% | 0.99% | 2.68% |
| To seek to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index. | Transamerica S&P 500 Index VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: SSGA Funds Management, Inc. | 0.38% | 0.15% | 0.53% | 17.37% | 13.95% | 14.32% |
| To seek to maximize total return. | Transamerica Small/Mid Cap Value VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Systematic Financial Management, L.P. | 1.06% |  | 1.06% | 9.51% | 9.29% | 9.53% |
| To seek long-term growth of capital by investing primarily in common stocks of small growth companies. | Transamerica T. Rowe Price Small Cap VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: T. Rowe Price Associates, Inc. | 1.08% |  | 1.08% | 9.93% | 5.17% | 10.18% |
| To seek maximum long-term total return, consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers. | Transamerica TSW International Equity VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Thompson, Siegel & Walmsley LLC | 1.11% |  | 1.11% | 31.42% | 8.58% | 7.27% |
| To seek to provide investors with long-term capital growth. | Transamerica TSW Mid Cap Value Opportunities VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Thompson, Siegel & Walmsley LLC | 1.01% |  | 1.01% | 9.36% | 9.05% | 8.36% |
| Seeks to maximize long-term growth | Transamerica WMC US Growth VP - Service<br>Advised by: Transamerica Asset Management, Inc.; Sub-Advised by: Wellington Management Company LLP | 0.89% |  | 0.89% | 17.47% | 12.05% | 16.13% |
| To provide long-term capital appreciation and reasonable current income. | Vanguard® VIF Balanced Portfolio<br>Advised by: Wellington Management Company LLP | 0.20% | 0.60% | 0.80% | 16.46% | 9.29% | 10.03% |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **Investment Objective** | **Underlying Fund Portfolios and Advisers/Sub-adviser(1)** | **Current Expenses** | **Platform Charges** | **Current Expenses Plus Platform Charges** | **1 year** | **5 years** | **10 years** |
| To provide current income and low to moderate capital appreciation. | Vanguard® VIF Conservative Allocation Portfolio<br>Advised by: The Vanguard Group, Inc. | 0.12% | 0.60% | 0.72% | 12.73% | 4.22% | 6.14% |
| Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. | Vanguard® VIF Mid-Cap Index Portfolio<br>Advised by: The Vanguard Group, Inc. | 0.17% | 0.60% | 0.77% | 11.54% | 8.46% | 10.77% |
| To provide current income and low to moderate capital appreciation. | Vanguard® VIF Moderate Allocation Portfolio<br>Advised by: The Vanguard Group, Inc. | 0.12% | 0.60% | 0.72% | 16.19% | 6.51% | 8.14% |

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<sup>(1)</sup> Some Subaccounts may be available for certain policies and may not be available for all policies. You should work with Your registered representative to decide which Subaccount(s) may be appropriate for You based on a thorough analysis of your particular insurance needs, financial objective, investment goals, time horizons, and risk tolerance.

<sup>(2)</sup> There can be no assurance that any money market portfolio offered under this Policy will be able to maintain a stable net asset value per share during extended periods of low interest rates, and partly as a result of Policy charges, the yield on the money market Subaccount may become extremely low and possibly negative.

<sup>(3)</sup> On November 3, 2025, the Putnam VT International Value Fund Subaccount was made available as a new subaccount under the Contract.

<sup>(4)</sup> Effective on or about November 1, 2025, Transamerica JPMorgan Asset Allocation - Growth VP was be renamed Transamerica JPMorgan Diversified Equity Allocation VP

<sup>(5)</sup> Effective June 30, 2025, the investment advisor for State Street Total Return V.I.S. Fund was renamed from State Street Global Advisors (SSGA) to State Street Investment Management (SSIM)

<sup>(6)</sup> Effective May 1, 2026, American Funds Insurance Series® - International Fund was renamed American Funds Insurance Series® - EUPAC Fund<sup>TM</sup> 

**NOTE**: All underlying fund portfolios in the Transamerica Series Trust are advised by Transamerica Asset Management. The entities listed are the sub-advisors unless otherwise indicated.

There are no Portfolios that have been closed to new investments or new investors.

**Fixed Options**

The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below, offer new Fixed Options, and terminate existing Fixed Options. We will provide you with written notice before doing so.

Depending on the optional benefits you choose, you may not be able to invest in certain Investment Options, as noted below.

**Note: If amounts are withdrawn from a Fixed Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract value.**

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

**Fixed Account Guaranteed Minimum Interest Rate** 

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate**<sup>(3)</sup> |
| Traditional DCA<sup>1, 2</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; 6 months minimum or 24 months <br> maximum<br>| 0.25% |
| 1 Year Guaranteed Period Option<sup>1</sup> <br>| 1 year | 0.25% |
| 3 Year Guaranteed Period Option<sup>1</sup> <br>| 3 years | 0.25% |
| 5 Year Guaranteed Period Option<sup>1</sup> <br>| 5 years | 0.25% |
| 7 Year Guaranteed Period Option<sup>1</sup> <br>| 7 years | 0.25% |
| &nbsp;&nbsp; Stable Account (Transamerica Income <br> Edge<sup>SM</sup> 1.2 Rider only)<br>| Life of the Rider | 0.25% |
| &nbsp;&nbsp; Stable Account (Transamerica Principal <br> Optimizer<sup>SM</sup> Rider only)<br>| Life of the Rider | 0.25% |

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<sup>(1)</sup> We are currently not offering the fixed account in New York with the exception of the Stable Accounts for Transamerica Income Edge<sup>SM</sup> 1.2 and Transamerica Principal Optimizer<sup>SM</sup> riders if you have elected those riders.

<sup>(2)</sup> You will have the option of selecting a monthly term or a quarterly term. If quarterly, it would be a minimum of 4 quarters or a maximum of 8 quarters.

<sup>(3)</sup> The minimum guaranteed interest rate in New York is equal to the non-forfeiture rate in effect at the time of policy issue.

Regarding any state variations on the fixed accounts listed above please see Appendix – State Variations.

The availability of the Fixed Account Option may vary depending on the financial intermediary through which the Policy is sold. See Appendix - Financial Intermediary Variations in the prospectus.

**Investment Requirements for Optional Benefits**

This table below identifies the Designated Investment Options available for use with the Guaranteed Minimum Death Benefits and the Select Investment Options and Flexible Investment Options available for use with the Transamerica Principal Optimizer<sup>SM</sup> and Transamerica Income Edge<sup>SM</sup> 1.2 riders.

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Return of**<br> **Premium**<br> **Death**<br> **Benefit**<br>| **Annual**<br> **Step-Up**<br> **Death**<br> **Benefit**<br>| **Select**<br> **Investment**<br> **Options**<br>| **Flexible**<br> **Investment**<br> **Options**<br>|
| **Subaccounts** |  |  |  |  |
| AB Balanced Hedged Allocation Portfolio - Class B | √ | √ |  | √ |
| AB Relative Value Portfolio - Class B | √ | √ |  | √ |
| American Funds - Asset Allocation Fund<sup>SM</sup> Class 4 | √ | √ |  | √ |
| American Funds - The Bond Fund of America<sup>SM</sup> - Class 4 | √ | √ | √ |  |
| American Funds - Growth Fund<sup>SM</sup> - Class 4 | √ | √ |  | √ |
| American Funds - Growth-Income Fund<sup>SM</sup> - Class 4 | √ | √ |  | √ |
| American Funds - International Fund<sup>SM</sup> - Class 4 | √ | √ |  | √ |
| American Funds - New World Fund<sup>®</sup> - Class 4 | √ | √ |  | √ |
| Dimensional VA Global Bond Portfolio - Institutional Class | √ | √ | √ |  |
| Fidelity<sup>®</sup> VIP Balanced Portfolio - Service Class 2 | √ | √ |  | √ |
| Fidelity<sup>®</sup> VIP Consumer Staples - Initial Class | √ | √ |  | √ |
| Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio - Service Class 2 | √ | √ |  | √ |
| Fidelity<sup>®</sup> VIP Energy Portfolio - Service Class 2 | √ | √ |  | √ |
| Fidelity<sup>®</sup> VIP Health Care Portfolio - Service Class 2 | √ | √ |  | √ |
| Fidelity<sup>®</sup> VIP Mid Cap Portfolio - Service Class 2 | √ | √ |  | √ |
| Fidelity<sup>®</sup> VIP Technology Portfolio - Initial Class | √ | √ |  | √ |
| Fidelity<sup>®</sup> VIP Utilities Portfolio - Initial Class | √ | √ |  | √ |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Return of**<br> **Premium**<br> **Death**<br> **Benefit**<br>| **Annual**<br> **Step-Up**<br> **Death**<br> **Benefit**<br>| **Select**<br> **Investment**<br> **Options**<br>| **Flexible**<br> **Investment**<br> **Options**<br>|
| **Subaccounts** |  |  |  |  |
| Fidelity<sup>®</sup> VIP Value Strategies Portfolio - Service Class 2 | √ | √ |  | √ |
| Putnam VT International Value - Class IB | √ | √ |  | √ |
| State Street Total Return V.I.S. Fund - Class 3 | √ | √ |  | √ |
| TA 60/40 Allocation - Service Class | √ | √ |  | √ |
| TA Aegon Bond - Service Class | √ | √ | √ |  |
| TA Aegon Core Bond - Service Class | √ | √ | √ |  |
| TA Aegon High Yield Bond - Service Class | √ | √ |  | √ |
| TA Aegon Sustainable Equity Income - Service Class | √ | √ |  | √ |
| TA Aegon U.S. Government Securities - Service Class | √ | √ | √ |  |
| TA American Funds Managed Risk - Balanced - Service Class | √ | √ |  | √ |
| TA BlackRock Real Estate Securities - Service Class | √ | √ |  | √ |
| TA BlackRock Government Money Market - Service Class | √ | √ | √ |  |
| TA BlackRock iShares Active Asset Allocation - Conservative - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Active Asset Allocation - Moderate - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Active Asset Allocation - Moderate Growth - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Dynamic Allocation - Balanced - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Dynamic Allocation - Moderate Growth - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Edge 40- Service Class | √ | √ |  | √ |
| TA BlackRock iShares Edge 50 - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Edge 75 - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Edge 100 - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Tactical - Balanced - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Tactical - Conservative - Service Class | √ | √ |  | √ |
| TA BlackRock iShares Tactical - Growth - Service Class | √ | √ |  | √ |
| TA BlackRock Tactical Allocation - Service Class | √ | √ |  | √ |
| TA Goldman Sachs 70/30 - Service Class | √ | √ |  | √ |
| TA Goldman Sachs Managed Risk - Balanced ETF - Service Class | √ | √ |  | √ |
| TA Goldman Sachs Managed Risk - Conservative ETF - Service Class | √ | √ |  | √ |
| TA Goldman Sachs Managed Risk - Growth ETF - Service Class | √ | √ |  | √ |
| TA Great Lakes Advisors Large Cap Value - Service Class | √ | √ |  | √ |
| TA International Focus - Service Class | √ | √ |  | √ |
| TA Janus Balanced - Service Class | √ | √ |  | √ |
| TA Janus Mid-Cap Growth - Service Class | √ | √ |  | √ |
| TA JPMorgan Asset Allocation - Conservative - Service Class | √ | √ |  | √ |
| TA JPMorgan Asset Allocation - Growth - Service Class | √ | √ |  | √ |
| TA JPMorgan Asset Allocation - Moderate - Service Class | √ | √ |  | √ |
| TA JPMorgan Asset Allocation - Moderate Growth - Service Class | √ | √ |  | √ |
| TA JPMorgan Enhanced Index - Service Class | √ | √ |  | √ |
| TA JPMorgan International Moderate Growth - Service Class | √ | √ |  | √ |
| TA JPMorgan Tactical Allocation - Service Class | √ | √ |  | √ |
| TA Madison Diversified Income - Service Class | √ | √ |  | √ |

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**investment options AVAILABLE UNDER THE POLICY — (Continued)**

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **Return of**<br> **Premium**<br> **Death**<br> **Benefit**<br>| **Annual**<br> **Step-Up**<br> **Death**<br> **Benefit**<br>| **Select**<br> **Investment**<br> **Options**<br>| **Flexible**<br> **Investment**<br> **Options**<br>|
| **Subaccounts** |  |  |  |  |
| TA Market Participation Strategy - Service Class | √ | √ |  | √ |
| TA Morgan Stanley Global Allocation - Service Class | √ | √ |  | √ |
| TA Morgan Stanley Global Allocation Managed Risk - Balanced - Service Class | √ | √ |  | √ |
| TA MSCI EAFE Index - Service Class | √ | √ |  | √ |
| TA Multi-Managed Balanced - Service Class | √ | √ |  | √ |
| TA PineBridge Inflation Opportunities - Service Class | √ | √ | √ |  |
| TA S&P 500 Index - Service Class | √ | √ |  | √ |
| TA Small Mid Cap Value - Service Class | √ | √ |  | √ |
| TA T. Rowe Price Small Cap - Service Class | √ | √ |  | √ |
| TA TSW International Equity - Service Class | √ | √ |  | √ |
| TA TSW Mid Cap Value Opportunities - Service Class | √ | √ |  | √ |
| TA WMC US Growth - Service Class | √ | √ |  | √ |
| Vanguard<sup>®</sup> VIF Balanced Portfolio | √ | √ |  | √ |
| Vanguard<sup>®</sup> VIF Conservative Allocation Portfolio | √ | √ |  | √ |
| Vanguard<sup>®</sup> VIF Mid-Cap Index Portfolio | √ | √ |  | √ |
| Vanguard<sup>®</sup> VIF Moderate Allocation Portfolio | √ | √ |  | √ |

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The Prospectus and Statement of Additional Information (SAI) include additional information. The Prospectus and SAI which have the same effective date as this summary prospectus are incorporated by reference as amended or supplemented. The Prospectus and SAI are available without charge upon request. For a free copy call us at (800)525-6205 or write us at:

Transamerica Life Insurance Company or Transamerica Financial Life Insurance Company <br>6400 C Street S.W. <br>Cedar Rapids, IA 52499

Reports and other information about the Separate Account are available on the SEC's website at sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

EDGAR Contract Identifier No. is #C000216269 for TLIC and #C000216278 for TFLIC

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