# EDGAR Filing Document

**Accession Number:** 0000859607
**File Stem:** 0001164098-26-001179
**Filing Date:** 2026-5
**Character Count:** 56366
**Document Hash:** 6f90ae7cfd4a2e9b594fa5a03ae4afd0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001164098-26-001179.hdr.sgml**: 20260501

**ACCESSION NUMBER**: 0001164098-26-001179

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260501

**DATE AS OF CHANGE**: 20260501

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SEPARATE ACCOUNT VA B
- **CENTRAL INDEX KEY:** 0000859607

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-186121
- **FILM NUMBER:** 26931012

**BUSINESS ADDRESS:**
- **STREET 1:** 6400 C STREET SW
- **CITY:** CEDAR RAPIDS
- **STATE:** IA
- **ZIP:** 52499
- **BUSINESS PHONE:** 319-355-8366

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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PFL ENDEAVOR VARIABLE ANNUITY ACCOUNT /NEW/
- **DATE OF NAME CHANGE:** 19920703

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** NN ENDEAVOR VARIABLE ANNUITY ACCOUNT
- **DATE OF NAME CHANGE:** 19910331

## Series and Classes Contracts Data

### SEPARATE ACCOUNT VA B (Series ID: S000006417)

| Class ID   | Class Name                          | Ticker Symbol   |
|:---|:---|:---|
| C000125286 | Transamerica Retirement Income Plus |  |

#### &nbsp;&nbsp;&nbsp;&nbsp; Annual Notice Dated May 1, 2026

#### &nbsp;&nbsp;&nbsp;&nbsp; TRANSAMERICA RETIREMENT INCOME PLUS<sup>®</sup>

#### &nbsp;&nbsp;&nbsp;&nbsp; Issued through

#### &nbsp;&nbsp;&nbsp;&nbsp; Transamerica Life Insurance Company<br>Separate Account VA B<br>
This Annual Disclosure Notice ("Notice") provides certain updated information about Your Transamerica Retirement Income Plus<sup>®</sup>, a flexible premium individual deferred variable annuity policy ("Policy"), which is no longer available for purchase**.**

Transamerica Life Insurance Company ("Transamerica") is providing this Notice in lieu of an updated prospectus for the Policy in reliance on the Securities and Exchange Commission's position on modernized alternative disclosures for discontinued variable annuity offerings. Updated audited financial statements for Transamerica Life Insurance Company and for Separate Account VA B ("Separate Account") are available, free of charge, at <u>http://dfinview.com/Transamerica/TAHD/89354G679?site=VAVUL</u>. In addition, current summary prospectuses, statutory prospectuses, statements of additional information, and the most recent shareholder reports for the funds available under the Policy ("Funds") are available, free of charge, at the same website address as above. To request a free paper or e-mail copy of any of these materials, please call (800) 525-6205, Monday through Thursday 8 - 6:30, or Friday 8 - 5:30 ET.

Your Policy prospectus dated May 1, 2017, as supplemented, is incorporated herein by reference and contains more information about the Policy's features, benefits, and risks.

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.

---

| | |
|:---|:---|
| [SPECIAL TERMS](#tocAnchor0) | 3 |
| [SUMMARY OF POLICY FEATURES THAT HAVE CHANGED](#tocAnchor1) | 4 |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY](#tocAnchor2) | 5 |
| [INVESTMENT OPTIONS AVAILABLE UNDER THE POLICY](#tocAnchor3) | 6 |

---

**SPECIAL TERMS**

**Administrative Office —** Transamerica Life Insurance Company, Attention: Customer Care Group, 6400 C St. SW, Cedar Rapids, IA 52499-0001, (800) 525-6205.

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

**Annuitization —** When You 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 annuitant attains age 99 (earlier if required by state law).

**Annuity Payment Option —** A method of receiving a stream of annuity payments selected by the Owner.

**Excess Interest Adjustment —** A positive or negative adjustment to amounts surrendered (both partial or full surrenders) and transfers or applied to Annuity Payment Options from the Fixed Account Guaranteed Period Options 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 full or partial 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.

**Fixed Account —** One or more investment options under the Policy that are part of our general assets and are not in the Separate Account.

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

**Living Benefit —** A benefit under the Policy that provides a guaranteed minimum withdrawal benefit.

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

**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 Annuity Commencement Date, the Policy Value is equal to the Owner's:

* premium payments; minus

* gross surrenders (surrenders plus the surrender charge on the portion of the requested partial surrender that is subject to the surrender charge plus or minus any Excess Interest Adjustment plus taxes (on the withdrawal)); plus

* interest credited in the Fixed Account; plus

* accumulated gains in the Separate Account; minus

* accumulated losses in the Separate Account; minus

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

**Policy Year —** A Policy Year begins on the Policy Date and on each anniversary thereafter.

**Separate Account —** Separate Account VA B, 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.

**Subaccount —** A subdivision within the Separate Account, the assets of which are invested in a specified underlying fund portfolio.

**SUMMARY OF POLICY FEATURES THAT HAVE CHANGED**

The information in this Notice is a summary of certain Policy features that have changed since the last current Prospectus. This may not reflect all of the changes that have occurred since You entered into Your Policy.

* For changes in the names of certain Portfolios and/or Advisers/Sub-advisers please refer to the <u>Appendix – Investment Options Available Under the Policy</u>.

* For updated portfolio expense information please refer to <u>Important Information You Should Consider About This Policy</u> and the <u>Appendix – Investment Options Available Under the Policy</u>

* For updated portfolio performance information please refer to the <u>Appendix – Investment Options Available Under the Policy</u>.

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE POLICY**

Your Policy prospectus dated May 1, 2017, as supplemented, contains more information about the Policy's features, benefits, and risks in addition to what is listed below.

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; FEES AND EXPENSES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; FEES AND EXPENSES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; FEES AND EXPENSES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; **No.** If You withdraw money within 7 years of Your last purchase payment, a surrender charge applies—up to 8% of the amount surrendered, decreasing to 0% after 7 years. <br> **Example:** An early withdrawal could result in a surrender charge of up to $8,000 on a $100,000 investment.  | &nbsp;&nbsp; **No.** If You withdraw money within 7 years of Your last purchase payment, a surrender charge applies—up to 8% of the amount surrendered, decreasing to 0% after 7 years. <br> **Example:** An early withdrawal could result in a surrender charge of up to $8,000 on a $100,000 investment.  | &nbsp;&nbsp; **No.** If You withdraw money within 7 years of Your last purchase payment, a surrender charge applies—up to 8% of the amount surrendered, decreasing to 0% after 7 years. <br> **Example:** An early withdrawal could result in a surrender charge of up to $8,000 on a $100,000 investment.  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Years Since Payment**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Years Since Payment**  | &nbsp;&nbsp; **Max Surrender Charge**  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 1  | &nbsp;&nbsp; 8.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 2  | &nbsp;&nbsp; 2  | &nbsp;&nbsp; 8.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 3  | &nbsp;&nbsp; 3  | &nbsp;&nbsp; 7.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 4  | &nbsp;&nbsp; 4  | &nbsp;&nbsp; 6.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 5  | &nbsp;&nbsp; 5  | &nbsp;&nbsp; 5.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 6  | &nbsp;&nbsp; 6  | &nbsp;&nbsp; 4.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 7  | &nbsp;&nbsp; 7  | &nbsp;&nbsp; 3.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; 8+  | &nbsp;&nbsp; 8+  | &nbsp;&nbsp; 0.00%  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Charges for Early Withdrawal?**  | &nbsp;&nbsp; Additionally, if You remove Policy Value from the Fixed Account before the end of a guaranteed period, an Excess Interest Adjustment may apply, which can be negative but will not reduce Your value below Your premium payments plus interest at the guaranteed minimum rate. <br> Transactions subject to these charges and adjustments include withdrawals, surrenders, transfers, Annuitization, and death benefit calculations involving the Fixed Account before the guaranteed period ends.  | &nbsp;&nbsp; Additionally, if You remove Policy Value from the Fixed Account before the end of a guaranteed period, an Excess Interest Adjustment may apply, which can be negative but will not reduce Your value below Your premium payments plus interest at the guaranteed minimum rate. <br> Transactions subject to these charges and adjustments include withdrawals, surrenders, transfers, Annuitization, and death benefit calculations involving the Fixed Account before the guaranteed period ends.  | &nbsp;&nbsp; Additionally, if You remove Policy Value from the Fixed Account before the end of a guaranteed period, an Excess Interest Adjustment may apply, which can be negative but will not reduce Your value below Your premium payments plus interest at the guaranteed minimum rate. <br> Transactions subject to these charges and adjustments include withdrawals, surrenders, transfers, Annuitization, and death benefit calculations involving the Fixed Account before the guaranteed period ends.  | &nbsp;&nbsp; **Expenses – Surrender Charges** <br> **Appendix – Excess Interest Adjustment Examples**  |
| &nbsp;&nbsp; **Are There Transaction Charges?**  | &nbsp;&nbsp; **Yes.** In addition to Policy adjustments, You may also incur charges for other types of transactions. These include: <br>*Transfer Fee*. No fee for the first 12 transfers per Policy Year; $10 for each additional transfer. Currently, no transfer fee is charged, but the company reserves the right to do so. *Annual Service Charge.* The maximum annual service charge is the lesser of $50 per Policy or 2% of the Policy Value. This charge may be partially or fully waived based on Policy Value. *Special Service Fee.* Charged for special services, including overnight delivery, duplicate policies, duplicate tax forms, duplicate disclosure documents, check copies, and asset verification requests from mortgage companies. *Premium Taxes.* Deducted when due, currently ranging from 0% to 3.5%. *Optional Benefit Fees.* Additional charges apply if optional benefits are elected. | &nbsp;&nbsp; **Yes.** In addition to Policy adjustments, You may also incur charges for other types of transactions. These include: <br>*Transfer Fee*. No fee for the first 12 transfers per Policy Year; $10 for each additional transfer. Currently, no transfer fee is charged, but the company reserves the right to do so. *Annual Service Charge.* The maximum annual service charge is the lesser of $50 per Policy or 2% of the Policy Value. This charge may be partially or fully waived based on Policy Value. *Special Service Fee.* Charged for special services, including overnight delivery, duplicate policies, duplicate tax forms, duplicate disclosure documents, check copies, and asset verification requests from mortgage companies. *Premium Taxes.* Deducted when due, currently ranging from 0% to 3.5%. *Optional Benefit Fees.* Additional charges apply if optional benefits are elected. | &nbsp;&nbsp; **Yes.** In addition to Policy adjustments, You may also incur charges for other types of transactions. These include: <br>*Transfer Fee*. No fee for the first 12 transfers per Policy Year; $10 for each additional transfer. Currently, no transfer fee is charged, but the company reserves the right to do so. *Annual Service Charge.* The maximum annual service charge is the lesser of $50 per Policy or 2% of the Policy Value. This charge may be partially or fully waived based on Policy Value. *Special Service Fee.* Charged for special services, including overnight delivery, duplicate policies, duplicate tax forms, duplicate disclosure documents, check copies, and asset verification requests from mortgage companies. *Premium Taxes.* Deducted when due, currently ranging from 0% to 3.5%. *Optional Benefit Fees.* Additional charges apply if optional benefits are elected. | &nbsp;&nbsp; **Fee Table and Expense ExamplesExpenses**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay each year, depending on the Investment Options and optional benefits You choose. Please refer to Your Policy specifications page for information about the specific fees You will pay each year based on the options You have elected.  | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay each year, depending on the Investment Options and optional benefits You choose. Please refer to Your Policy specifications page for information about the specific fees You will pay each year based on the options You have elected.  | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that You may pay each year, depending on the Investment Options and optional benefits You choose. Please refer to Your Policy specifications page for information about the specific fees You will pay each year based on the options You have elected.  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annual Fee**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Minimum**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Maximum**  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Base Policy<sup>1</sup>  | &nbsp;&nbsp; 1.30%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.30%  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Portfolio Company (fund fees and expenses)<sup>2</sup><sup>,3</sup>  | &nbsp;&nbsp; 0.54%  | &nbsp;&nbsp; 0.96%  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Optional Benefit Expenses (if elected)<sup>4</sup>  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25%  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.50%  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Separate Account Value  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Separate Account Value  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>1</sup>As a percentage of Separate Account Value  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>2</sup>As a percentage of assets after fee waiver and/or expense reimbursement.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>2</sup>As a percentage of assets after fee waiver and/or expense reimbursement.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>2</sup>As a percentage of assets after fee waiver and/or expense reimbursement.  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>3</sup>See below Appendix: Investment Options Available Under the Policy for more information.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>3</sup>See below Appendix: Investment Options Available Under the Policy for more information.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>3</sup>See below Appendix: Investment Options Available Under the Policy for more information.  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>4</sup>As a percentage of benefit base or Separate Account Value.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>4</sup>As a percentage of benefit base or Separate Account Value.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>4</sup>As a percentage of benefit base or Separate Account Value.  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Because Your Policy is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Policy, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Policy, which could add surrender charges and negative Policy Adjustments that substantially increase costs.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Because Your Policy is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Policy, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Policy, which could add surrender charges and negative Policy Adjustments that substantially increase costs.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Because Your Policy is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Policy, the following table shows the lowest and highest cost You could pay each year, based on current charges. This estimate assumes that You do not take withdrawals from the Policy, which could add surrender charges and negative Policy Adjustments that substantially increase costs.  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lowest Annual Cost<br>$1,895** | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Highest Annual Cost<br>$3,552** | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Highest Annual Cost<br>$3,552** | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes:  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes:  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Assumes:  | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
| &nbsp;&nbsp; **Are There Ongoing Fees and Expenses?<br>(annual charges)**  | &nbsp;&nbsp; Investment of $100,000 5% annual appreciation Least expensive combination of Policy Classes and Portfolio Company fees and expenses No optional benefits No sales charges No additional Purchase Payments, transfers, or withdrawals | &nbsp;&nbsp; Investment of $100,000 5% annual appreciation Most expensive combination of Policy Classes, optional benefits, and Portfolio Company fees and expenses No sales charges No additional Purchase Payments, transfers, or withdrawals | &nbsp;&nbsp; Investment of $100,000 5% annual appreciation Most expensive combination of Policy Classes, optional benefits, and Portfolio Company fees and expenses No sales charges No additional Purchase Payments, transfers, or withdrawals | &nbsp;&nbsp; **Fee Table and Expense Examples**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RISKS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RISKS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RISKS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **Is There a Risk of Loss From Poor Performance?**  | &nbsp;&nbsp; **Yes.** An investor can lose money by investing in the Policy. The value of Your Policy will fluctuate based on the performance of the investment options You select, and You bear the entire investment risk for amounts You allocate to the Subaccounts. This means You could lose some or all of Your investment due to poor investment performance.  | &nbsp;&nbsp; **Yes.** An investor can lose money by investing in the Policy. The value of Your Policy will fluctuate based on the performance of the investment options You select, and You bear the entire investment risk for amounts You allocate to the Subaccounts. This means You could lose some or all of Your investment due to poor investment performance.  | &nbsp;&nbsp; **Yes.** An investor can lose money by investing in the Policy. The value of Your Policy will fluctuate based on the performance of the investment options You select, and You bear the entire investment risk for amounts You allocate to the Subaccounts. This means You could lose some or all of Your investment due to poor investment performance.  | &nbsp;&nbsp; **Investment Options**  |
| &nbsp;&nbsp; **Is This a Short-Term Investment?**  | &nbsp;&nbsp; **No.** The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Policy is designed for long-term retirement or investment goals. If You withdraw amounts from the Policy, You may be subject to surrender charges, taxes, and tax penalties.  | &nbsp;&nbsp; **No.** The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Policy is designed for long-term retirement or investment goals. If You withdraw amounts from the Policy, You may be subject to surrender charges, taxes, and tax penalties.  | &nbsp;&nbsp; **No.** The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Policy is designed for long-term retirement or investment goals. If You withdraw amounts from the Policy, You may be subject to surrender charges, taxes, and tax penalties.  | &nbsp;&nbsp; **The AnnuityAccess to Your Money**  |
| &nbsp;&nbsp; **What are the Risks Associated with Investment Options?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment performance, and the value of Your Policy can vary depending on the performance of the Investment Options available under the Policy. Each Investment Option, including each Portfolio Company and any Fixed Option, has its own unique risks. You should carefully review the available Investment Options before making an investment decision.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment performance, and the value of Your Policy can vary depending on the performance of the Investment Options available under the Policy. Each Investment Option, including each Portfolio Company and any Fixed Option, has its own unique risks. You should carefully review the available Investment Options before making an investment decision.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Policy is subject to the risk of poor investment performance, and the value of Your Policy can vary depending on the performance of the Investment Options available under the Policy. Each Investment Option, including each Portfolio Company and any Fixed Option, has its own unique risks. You should carefully review the available Investment Options before making an investment decision.  | &nbsp;&nbsp; **Investment Options**  |
| &nbsp;&nbsp; **What are the Risks Related to the Insurance Company?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Policy is subject to risks related to the Insurance Company. Any guarantees, benefits, or obligations under the Policy, including those associated with the Fixed Account, are subject to the financial strength and claims-paying ability of Transamerica Life Insurance Company. This includes the ability to meet obligations for death benefits, annuity payments, and any amounts in excess of the Policy Value. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These guarantees do not apply to the performance of the variable investment options, which are subject to market risk. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional information about Transamerica Life Insurance Company, including its financial strength ratings from agencies such as Standard & Poor's, Moody's, or Fitch, is available upon request. You can obtain this information by visiting https://www.transamerica.com or by calling toll-free at **(800) 525-6205**.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Policy is subject to risks related to the Insurance Company. Any guarantees, benefits, or obligations under the Policy, including those associated with the Fixed Account, are subject to the financial strength and claims-paying ability of Transamerica Life Insurance Company. This includes the ability to meet obligations for death benefits, annuity payments, and any amounts in excess of the Policy Value. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These guarantees do not apply to the performance of the variable investment options, which are subject to market risk. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional information about Transamerica Life Insurance Company, including its financial strength ratings from agencies such as Standard & Poor's, Moody's, or Fitch, is available upon request. You can obtain this information by visiting https://www.transamerica.com or by calling toll-free at **(800) 525-6205**.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investment in the Policy is subject to risks related to the Insurance Company. Any guarantees, benefits, or obligations under the Policy, including those associated with the Fixed Account, are subject to the financial strength and claims-paying ability of Transamerica Life Insurance Company. This includes the ability to meet obligations for death benefits, annuity payments, and any amounts in excess of the Policy Value. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; These guarantees do not apply to the performance of the variable investment options, which are subject to market risk. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional information about Transamerica Life Insurance Company, including its financial strength ratings from agencies such as Standard & Poor's, Moody's, or Fitch, is available upon request. You can obtain this information by visiting https://www.transamerica.com or by calling toll-free at **(800) 525-6205**.  | &nbsp;&nbsp; **Other Information - Financial Condition** <br> **Other Information - Information About Us**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RESTRICTIONS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RESTRICTIONS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RESTRICTIONS**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **Are There Limits on the Investment Options?**  | &nbsp;&nbsp; **Yes.** There are restrictions that may limit the Investment Options You may choose, as well as limitations on transfers among Investment Options. <br> **Investment Option Restrictions**: You may allocate Your premium payments among the available Subaccounts (investment options) and, if offered, the Fixed Account. Not all Subaccounts may be available for all policies, in all states, or through all financial intermediaries. The company may discontinue offering any designated investment option at any time. In some cases, a designated investment option not available through a financial intermediary may be obtained by contacting the company directly. **Transfer Limitations:** Transfers out of a guaranteed period option of the Fixed Account are limited. Other than at the end of a guaranteed period, transfers in excess of amounts equal to interest credited may be subject to an Excess Interest Adjustment, and the maximum amount You can transfer in any one Policy Year may be limited to 25% of the amount in that guaranteed period option, less any previous transfers during the current Policy Year. **Reservation of Rights:** The Insurance Company reserves the right to: Remove or substitute Portfolio Companies. Close Subaccounts to new premiums or incoming transfers. Stop accepting additional purchase payments. Make changes required by law or regulation. | &nbsp;&nbsp; **Yes.** There are restrictions that may limit the Investment Options You may choose, as well as limitations on transfers among Investment Options. <br> **Investment Option Restrictions**: You may allocate Your premium payments among the available Subaccounts (investment options) and, if offered, the Fixed Account. Not all Subaccounts may be available for all policies, in all states, or through all financial intermediaries. The company may discontinue offering any designated investment option at any time. In some cases, a designated investment option not available through a financial intermediary may be obtained by contacting the company directly. **Transfer Limitations:** Transfers out of a guaranteed period option of the Fixed Account are limited. Other than at the end of a guaranteed period, transfers in excess of amounts equal to interest credited may be subject to an Excess Interest Adjustment, and the maximum amount You can transfer in any one Policy Year may be limited to 25% of the amount in that guaranteed period option, less any previous transfers during the current Policy Year. **Reservation of Rights:** The Insurance Company reserves the right to: Remove or substitute Portfolio Companies. Close Subaccounts to new premiums or incoming transfers. Stop accepting additional purchase payments. Make changes required by law or regulation. | &nbsp;&nbsp; **Yes.** There are restrictions that may limit the Investment Options You may choose, as well as limitations on transfers among Investment Options. <br> **Investment Option Restrictions**: You may allocate Your premium payments among the available Subaccounts (investment options) and, if offered, the Fixed Account. Not all Subaccounts may be available for all policies, in all states, or through all financial intermediaries. The company may discontinue offering any designated investment option at any time. In some cases, a designated investment option not available through a financial intermediary may be obtained by contacting the company directly. **Transfer Limitations:** Transfers out of a guaranteed period option of the Fixed Account are limited. Other than at the end of a guaranteed period, transfers in excess of amounts equal to interest credited may be subject to an Excess Interest Adjustment, and the maximum amount You can transfer in any one Policy Year may be limited to 25% of the amount in that guaranteed period option, less any previous transfers during the current Policy Year. **Reservation of Rights:** The Insurance Company reserves the right to: Remove or substitute Portfolio Companies. Close Subaccounts to new premiums or incoming transfers. Stop accepting additional purchase payments. Make changes required by law or regulation. | &nbsp;&nbsp; **Investment Options** <br> **Purchase – Premium Payments**  |
| &nbsp;&nbsp; **Are There Any Restrictions on Policy Benefits?**  | &nbsp;&nbsp; **Yes.** There are restrictions and limitations relating to benefits offered under the Policy, including death benefits and Living Benefits. Certain benefits may be modified or terminated by the insurance company, and withdrawals that exceed limits specified by the terms of a Policy benefit may reduce or terminate the benefit. <br> **Death Benefits:** The amount of the death benefit depends on the guaranteed minimum death benefit option You choose at purchase. If You do not elect a guaranteed minimum death benefit at issue, You cannot add one later. Withdrawals will reduce the death benefit, and in some cases, the reduction may be greater than the amount withdrawn due to the adjusted withdrawal formula. The death benefit terminates upon Annuitization. **Living Benefits (Guaranteed Lifetime Withdrawal Benefits):** If You elect a guaranteed lifetime withdrawal benefit rider, there are restrictions on investment allocations and withdrawal amounts. Withdrawals that exceed the maximum annual withdrawal amount may reduce the benefit base by more than the value withdrawn and may terminate the benefit. If Your Policy Value reaches zero due to excess withdrawals, the benefit will terminate. **Modification or Termination:** The insurance company reserves the right to discontinue offering certain benefits for new sales, to modify investment restrictions, and to substitute or remove investment options, subject to regulatory approval where required. Optional benefits may be terminated if You do not comply with allocation or withdrawal requirements, or if You request termination in writing. | &nbsp;&nbsp; **Yes.** There are restrictions and limitations relating to benefits offered under the Policy, including death benefits and Living Benefits. Certain benefits may be modified or terminated by the insurance company, and withdrawals that exceed limits specified by the terms of a Policy benefit may reduce or terminate the benefit. <br> **Death Benefits:** The amount of the death benefit depends on the guaranteed minimum death benefit option You choose at purchase. If You do not elect a guaranteed minimum death benefit at issue, You cannot add one later. Withdrawals will reduce the death benefit, and in some cases, the reduction may be greater than the amount withdrawn due to the adjusted withdrawal formula. The death benefit terminates upon Annuitization. **Living Benefits (Guaranteed Lifetime Withdrawal Benefits):** If You elect a guaranteed lifetime withdrawal benefit rider, there are restrictions on investment allocations and withdrawal amounts. Withdrawals that exceed the maximum annual withdrawal amount may reduce the benefit base by more than the value withdrawn and may terminate the benefit. If Your Policy Value reaches zero due to excess withdrawals, the benefit will terminate. **Modification or Termination:** The insurance company reserves the right to discontinue offering certain benefits for new sales, to modify investment restrictions, and to substitute or remove investment options, subject to regulatory approval where required. Optional benefits may be terminated if You do not comply with allocation or withdrawal requirements, or if You request termination in writing. | &nbsp;&nbsp; **Yes.** There are restrictions and limitations relating to benefits offered under the Policy, including death benefits and Living Benefits. Certain benefits may be modified or terminated by the insurance company, and withdrawals that exceed limits specified by the terms of a Policy benefit may reduce or terminate the benefit. <br> **Death Benefits:** The amount of the death benefit depends on the guaranteed minimum death benefit option You choose at purchase. If You do not elect a guaranteed minimum death benefit at issue, You cannot add one later. Withdrawals will reduce the death benefit, and in some cases, the reduction may be greater than the amount withdrawn due to the adjusted withdrawal formula. The death benefit terminates upon Annuitization. **Living Benefits (Guaranteed Lifetime Withdrawal Benefits):** If You elect a guaranteed lifetime withdrawal benefit rider, there are restrictions on investment allocations and withdrawal amounts. Withdrawals that exceed the maximum annual withdrawal amount may reduce the benefit base by more than the value withdrawn and may terminate the benefit. If Your Policy Value reaches zero due to excess withdrawals, the benefit will terminate. **Modification or Termination:** The insurance company reserves the right to discontinue offering certain benefits for new sales, to modify investment restrictions, and to substitute or remove investment options, subject to regulatory approval where required. Optional benefits may be terminated if You do not comply with allocation or withdrawal requirements, or if You request termination in writing. | &nbsp;&nbsp; **Death Benefit** <br> **Additional Features - Living Benefit** <br> **Other Information – Regulatory Modifications to Policy**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TAXES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TAXES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TAXES**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **What Are the Policy's Tax Implications?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investor should consult with a tax professional to determine the tax implications of investing in and receiving purchase payments under the Policy. The tax treatment of annuities can be complex and depends on individual circumstances. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; There is no additional tax benefit to purchasing the Policy through a tax-qualified plan or individual retirement account (IRA), since these plans already provide tax deferral. In such cases, the benefits of the annuity should be evaluated based on features other than tax deferral. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from the Policy are generally subject to ordinary income tax on the earnings portion. Additionally, if withdrawals are made before the investor reaches age 59½, they may be subject to a 10% federal tax penalty, unless an exception applies.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investor should consult with a tax professional to determine the tax implications of investing in and receiving purchase payments under the Policy. The tax treatment of annuities can be complex and depends on individual circumstances. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; There is no additional tax benefit to purchasing the Policy through a tax-qualified plan or individual retirement account (IRA), since these plans already provide tax deferral. In such cases, the benefits of the annuity should be evaluated based on features other than tax deferral. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from the Policy are generally subject to ordinary income tax on the earnings portion. Additionally, if withdrawals are made before the investor reaches age 59½, they may be subject to a 10% federal tax penalty, unless an exception applies.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; An investor should consult with a tax professional to determine the tax implications of investing in and receiving purchase payments under the Policy. The tax treatment of annuities can be complex and depends on individual circumstances. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; There is no additional tax benefit to purchasing the Policy through a tax-qualified plan or individual retirement account (IRA), since these plans already provide tax deferral. In such cases, the benefits of the annuity should be evaluated based on features other than tax deferral. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Withdrawals from the Policy are generally subject to ordinary income tax on the earnings portion. Additionally, if withdrawals are made before the investor reaches age 59½, they may be subject to a 10% federal tax penalty, unless an exception applies.  | &nbsp;&nbsp; **Tax Information** <br> **The Annuity**  |
|  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CONFLICT OF INTEREST**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CONFLICT OF INTEREST**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CONFLICT OF INTEREST**  | &nbsp;&nbsp; **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Location in<br>Prospectus**  |
| &nbsp;&nbsp; **How Are Investment Professionals Compensated?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may receive compensation for selling the Policy to investors. This compensation is typically paid in the form of advisory or ongoing fees, revenue sharing, and other payments from affiliates and third parties. Transamerica Capital, LLC (TCL) (formerly Transamerica Capital, Inc. (TCI)), an affiliate of the insurance company, serves as the principal underwriter for the Policy and may pay promotional incentives or other compensation to selling firms and their representatives. These investment professionals may have a financial incentive to offer or recommend the Policy over another investment.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may receive compensation for selling the Policy to investors. This compensation is typically paid in the form of advisory or ongoing fees, revenue sharing, and other payments from affiliates and third parties. Transamerica Capital, LLC (TCL) (formerly Transamerica Capital, Inc. (TCI)), an affiliate of the insurance company, serves as the principal underwriter for the Policy and may pay promotional incentives or other compensation to selling firms and their representatives. These investment professionals may have a financial incentive to offer or recommend the Policy over another investment.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may receive compensation for selling the Policy to investors. This compensation is typically paid in the form of advisory or ongoing fees, revenue sharing, and other payments from affiliates and third parties. Transamerica Capital, LLC (TCL) (formerly Transamerica Capital, Inc. (TCI)), an affiliate of the insurance company, serves as the principal underwriter for the Policy and may pay promotional incentives or other compensation to selling firms and their representatives. These investment professionals may have a financial incentive to offer or recommend the Policy over another investment.  | &nbsp;&nbsp; **Other Information - Distribution of the Policies**  |
| &nbsp;&nbsp; **Should I Exchange My Policy?**  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You should only exchange Your Policy if, after carefully comparing the features, fees, and risks of both Policies, and considering any surrender charges, tax implications, or other penalties associated with terminating Your current Policy, You determine that the new Policy better meets Your financial needs and objectives. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to recommend that You exchange Your existing Policy for a new one. These incentives can include commissions, overrides, or other compensation arrangements paid by the insurance company or its affiliates to the selling firm or representative.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You should only exchange Your Policy if, after carefully comparing the features, fees, and risks of both Policies, and considering any surrender charges, tax implications, or other penalties associated with terminating Your current Policy, You determine that the new Policy better meets Your financial needs and objectives. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to recommend that You exchange Your existing Policy for a new one. These incentives can include commissions, overrides, or other compensation arrangements paid by the insurance company or its affiliates to the selling firm or representative.  | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; You should only exchange Your Policy if, after carefully comparing the features, fees, and risks of both Policies, and considering any surrender charges, tax implications, or other penalties associated with terminating Your current Policy, You determine that the new Policy better meets Your financial needs and objectives. <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Some investment professionals may have a financial incentive to recommend that You exchange Your existing Policy for a new one. These incentives can include commissions, overrides, or other compensation arrangements paid by the insurance company or its affiliates to the selling firm or representative.  | &nbsp;&nbsp; **Other Information - Exchanges and/or Reinstatements**  |

---

***APPENDIX***

#### &nbsp;&nbsp;&nbsp;&nbsp; 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 Your financial intermediary or 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 <u>http://dfinview.com/Transamerica/TAHD/89354G679?site=VAVUL</u>

You can also request this information at no cost by calling our Administrative Office at (800) 525-6205.

The current expenses and performance below reflect fees 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.

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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** | **1 year** | **5 years** | **10 years** |
| 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% | 6.78% | -0.60% | 1.82% |
| 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% | 5.56% | -1.52% | 0.94% |
| 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 | 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% | 8.65% | 2.65% | 4.17% |
| 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% | 9.50% | 3.98% | 4.66% |
| 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% | 10.36% | 2.09% | 4.64% |

---

* 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.

* 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.

Please retain this Notice for future reference. The last prospectus and statement of additional information for the Policy Dated May 1, 2017, as supplemented, contains more information about the Policy. You may contact us for additional information free of charge at (800) 525-6205 or write us at:

Transamerica Life Insurance Company <br>6400 C Street SW

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.

&nbsp;&nbsp;&nbsp;&nbsp; File Number: 333-186121

&nbsp;&nbsp;&nbsp;&nbsp; EDGAR Contract Identifier No. is #C000125286