Document:

Exhibit 10.B

  
 EXHIBIT (10)(b)

  
 OPINION AND CONSENT OF ACTUARY 
  

  
 [Transamerica Life
Insurance Company Letterhead] 
  
 April 1, 2005 
  
 Transamerica Life Insurance Company 
 4333 Edgewood Road NE 
 Cedar Rapids, Iowa 52499-0001 
  

	Re:	Transamerica Preferred Advantage 

	  	Separate Account VA L 

	  	Registration on Form N-4 

  
 Dear Sir/Madam: 
  
 With regard to the above registration statement, I have examined such documents and made such inquiries as I have deemed necessary and appropriate, and on the basis of such examination, have the following
opinions: 
  
 Fees and charges deducted under the Transamerica Preferred
Advantage Variable Annuity policies are those deemed necessary to appropriately reflect: 
  

	(1)	the expenses incurred in the acquisition and distribution of the policies, 

  

	(2)	the expenses associated with the development and servicing of the policies, 

  

	(3)	the assumption of certain risks arising from the operation and management of the policies and/or riders to the policy and that provides for a reasonable margin of profit.

  
 Fees and charges assessed against the policy values in the
variable account include: 
  

	(i)	Service Charge and Administrative Charge 

  

	(ii)	Mortality and Expense Risk Fee (M&E) 

  

	(iii)	Taxes (including premium and other taxes if applicable) 

  

	(iv)	Surrender Charges 

  

	(v)	Any applicable rider fees or charges 

  

 Transamerica Life Insurance Company 
 April 1, 2005 
 Page 2 
  
 The magnitude of each of the individual charges listed above in (i) through (v) is established in the pricing of the Transamerica Preferred Advantage Variable Annuity, to
achieve a reasonable Return on Investment (ROI), which is within the range of industry practice with respect to comparable variable annuity products. 
  
 Except by coincidence, it is not expected that actual charges assessed in a given year would exactly offset actual expenses incurred. Acquisition expenses (as well as
major product and/or systems development expenses) are incurred “up front” and recovered, with a reasonable profit margin, through future years’ charges. In addition, the company cannot increase certain charges under the policies in
the pricing process. 
  
 Therefore, in my opinion, the fees and charges deducted
under the policies, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the company. 
  
 I hereby consent to the use of this opinion, which is included as an Exhibit to the registration statement. 
  

	
	
	 /s/ R. Gene Hauser

	 R. Gene Hauser
 Associate Actuary
 Transamerica Life Insurance CompanyExhibit 4.F

 EXHIBIT (4)(f) 
  
 FORM OF POLICY RIDER 
 (ADD+) 
  

  

									
	

	 	 Home Office:
	 	 	 	 
	 	 	 	    4333 Edgewood Road N.E.
	 	 	 	 
	 	 	 	    Cedar Rapids, Iowa 52499
	 	 	 	 
	 	 	 	    (319)398-8511
	 	 	 	 

  
 ADDITIONAL DEATH
BENEFIT RIDER 
  
 We issued this rider as a part of the policy to which it is
attached. 
  
 This rider will pay an Additional Death Benefit Amount as described
below. This Additional Death Benefit, if any, will be paid whenever death proceeds are payable on the base policy to which this rider is attached. 
  
 This rider will be considered terminated when the policy is annuitized or surrendered, or an Additional Death Benefit is paid or added to the policy under spousal
continuation under the terms of this rider. You may also cancel this benefit at any time by notifying us at our service center. However, if the rider is terminated it can not be re-elected within a year after it was last terminated Once re-elected,
a new rider will be issued and the Additional Death Benefit amount will be re-determined. 
  

							
	 Policy Number:
	  	 	 	12345	 	 
	 Rider Date:
	  	 	 	01-10-03	 	 
	 Rider Benefit Percentage:
	  	 	 	30.0%	 	 
	 Rider Fee Percentage:
	  	 	 	0.55%	 	 

  
 DEFINITIONS 
  
 Rider Anniversary 
  
 The anniversary of the Rider Date for each year the rider remains in force. 
  
 Rider Benefit Base 
  
 This amount is equal to the Policy Value minus premiums paid after the Rider Date. 
  
 Rider Date 
  
 The date that this rider is added to the policy. 
  
 Rider Fee 
  
 The Rider Fee amount is equal to the Rider Fee Percentage above multiplied by the Policy Value (may be referred to as Annuity Purchase Value in the base policy to which this is attached} on the date the fee is
deducted. A Rider Fee is deducted annually on each Rider Anniversary prior to annuitization. We will also deduct this fee upon full surrender of the policy or other termination of the rider. If this rider is attached to a Variable Annuity, the Rider
Fee is deducted pro rata from each Investment Option. The Rider Fee is deducted even during periods when the Additional Death Benefit rider would not pay any benefit. 
  
 ADDITIONAL DEATH BENEFIT AMOUNT 
  
 If death proceeds are payable under the terms of the base policy to which this rider is attached, this rider will pay an Additional Death Benefit If death occurs prior to
the fifth Rider Anniversary, the rider will pay an Additional Death Benefit equal to the sum of all Rider Fees paid since the Rider Date. If death occurs on or after the fifth Rider Anniversary, the rider will pay an Additional Death Benefit equal
to the Rider Benefit Percentage multiplied by the Rider Benefit Base on the date used to calculate the death proceeds. 
  
 SPOUSAL CONTINUATION 
  
 If a death occurs and the base policy gives the surviving spouse the right to continue the policy, the surviving spouse has two options: 
  

	 	1.)	Receive the death benefit attributable to this rider as well as the death benefit attributable to the base policy, at which time both rider and base policy would terminate, or

  

	 	2.)	Continue the policy and receive a one-time Policy Value (may be referred to as Annuity Purchase Value in the base policy to which this is attached) increase equal to the amount of
the Additional Death Benefit paid by this rider. At this time the rider would terminate. 

  
 If the policy is continued, the spouse would have the option of immediately re-electing the rider if they meet issue requirements at the time the rider is re-elected. 
  
 RTP 17 0103 
  

 Additional Death Benefit Example: 
  
 The Additional Death Benefit rider is added to a new policy opened with $100,000 initial premium. The Rider Benefit is 30% and the Rider Fee
is 0.55%. On the first and second Rider Anniversaries, the Policy Value is $110,000 and $95,000 respectively when the Rider Fees are deducted. The client adds $25,000 premium in the third Rider Year. After five years, the Policy Value has grown to
$130,000 and Death Proceeds have grown to $150,000. 
  

				
	 Additional Death Benefit Example Calculations:

	  	 
	 Death Proceeds on Rider Date (= initial Policy Value)
	  	$	100,000
	 Additional Death Benefit during 1st Rider Year
	  	$	0
	 Rider Fee on first Rider Anniversary (= Rider Fee * Policy Value = 0.55% * $110,000)
	  	$	605
	 Additional Death Benefit during 2nd Rider Year (= sum of total Rider Fees paid)
	  	$	605
	 Rider Fee on second Rider Anniversary (= Rider Fee * Policy Value = 0.55% * $95,000)
	  	$	522.50
	 Additional Death Benefit during 3rd Rider Year (= sum of total Rider Fees paid = $605 + $522.50)
	  	$	1,127.50
		
	 Rider Fees will continue to be deducted each Rider Anniversary.

	  	 
	 Rider Benefit Base after 5th Rider Year (= Policy Value - premiums = $130,000 - $25,000)
	  	$	105,000
	 Additional Death Benefit after 5th Rider Year = Rider Benefit Percentage *
	  	 	 
	 Rider Benefit Base = 30% * $105,000
	  	$	31,500
	 Total Death Proceeds (= base policy Death Proceeds + Additional Death Benefit Amount = $150,000 + $31,500)
	  	$	181,500

  
 Signed for Us at our
Home Office. 
  

					
			
	/s/ Craig D. Vermie	 	  	 	/s/ Larry N. Norman
	SECRETARY	 	 	 	PRESIDENT

  
 RTP 17 0103(2)Exhibit 10.A

 EXHIBIT 10 A 
  
 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

 Consent of Independent Registered Public Accounting Firm 
  
 We consent to the reference to our firm under the caption “Independent Registered Public
Accounting Firm” in the Statement of Additional Information and to the use of our reports: (1) dated February 18, 2005 with respect to the statutory-basis financial statements and schedules of Transamerica Life Insurance Company, and (2) dated
January 31, 2005 with respect to the Transamerica Life Insurance Company Separate Account VA W, which are available for investment by contract owners of Transamerica Liberty Variable Annuity, included in Post-Effective Amendment No. 1 to the
Registration Statement (Form N-6 No. 333-116562) and related Prospectus of Separate Account VA W. 
  
 /s/ Ernst & Young LLP 
  
 Des Moines, Iowa 
 April 25, 2005Exhibit 10.B

 EXHIBIT (10)(b) 
  
 OPINION AND CONSENT OF ACTUARY 

  
 [Transamerica Life
Insurance Company Letterhead] 
  
 April 1, 2005 
  
 Transamerica Life Insurance Company 
 4333 Edgewood Road NE 
 Cedar Rapids, Iowa 52499-0001 
  

	Re:	Flexible Premium Variable Annuity - G 

 Separate
Account VA W 
 Registration on Form N-4 
  

Dear Sir/Madam: 
  
 With regard to the above registration statement, I have examined such documents and made such inquiries as I have deemed necessary and appropriate, and on the basis of such examination, have the following
opinions: 
  
 Fees and charges deducted under the Flexible Premium Variable
Annuity – G policies are those deemed necessary to appropriately reflect: 
  

	(1)	the expenses incurred in the acquisition and distribution of the policies, 

  

	(2)	the expenses associated with the development and servicing of the policies, 

  

	(3)	the assumption of certain risks arising from the operation and management of the policies and/or riders to the policy and that provides for a reasonable margin of profit.

  
 Fees and charges assessed against the policy values in the
variable account include: 
  

	(i)	Service Charge and Administrative Charge 

  

	(ii)	Mortality and Expense Risk Fee (M&E) 

  

	(iii)	Taxes (including premium and other taxes if applicable) 

  

	(iv)	Surrender Charges 

  

	(v)	Any applicable rider fees or charges 

 Transamerica Life Insuarance Company 
 April 1, 2005 
 Page 2 
  
 The magnitude of each of the individual charges listed above in (i) through (v) is established in the pricing of the Flexible Premium Variable Annuity - G, to achieve a
reasonable Return on Investment (ROI), which is within the range of industry practice with respect to comparable variable annuity products. 
  
 Except by coincidence, it is not expected that actual charges assessed in a given year would exactly offset actual expenses incurred. Acquisition expenses (as well as
major product and/or systems development expenses) are incurred “up front” and recovered, with a reasonable profit margin, through future years’ charges. In addition, the company cannot increase certain charges under the policies in
the pricing process. 
  
 Therefore, in my opinion, the fees and charges deducted
under the policies, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the company. 
  
 I hereby consent to the use of this opinion, which is included as an Exhibit to the registration statement. 
  

	
	
	 /s/ Tim Bennett

	 Tim Bennett, ASA, MAAA

	 Assistant Actuary

	 Transamerica Life Insurance Company

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