Document:

EX-10.21

 Exhibit 10.21 

EXECUTION DOCUMENT 
 FIRST
AMENDMENT TO 
 ADMINISTRATIVE SERVICES AGREEMENT 

This FIRST AMENDMENT (the “First Amendment”) to the ADMINISTRATIVE SERVICES AGREEMENT (the
“Agreement”) between ARIA Retirement Solutions, LLC (“Aria”) and Transamerica Advisors Life Insurance Company (the “Company”) dated August 3, 2011, is hereby entered into and made effective
this      day of                      2011, by and between Aria and Company. 

WITNESSETH: 

WHEREAS, the Company and Aria have agreed to amend Schedule B of the Agreement. 

NOW, THEREFORE, for good and valuable consideration, the receipt and adequacy of which consideration as to each of the parties is hereby mutually
acknowledged, the parties hereto agree as follows: 
 1. Capitalized Terms. 

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the Agreement. 

2. Amendments. 
  

	 	(a)	Schedule B of the Agreement is hereby amended to read as follows: 

 SCHEDULE B

 ADMINISTRATION 

OF 
 EXPENSE
PAYMENTS 
 This Administration of Expense Payments is Schedule B to that certain Administrative Services Agreement, dated August 3, 2011
between ARIA and the Company. All fees contained in this Schedule B are fees to be paid by Transamerica to ARIA. Parties understand and agree that the Company from time to time may adjust pricing. 

 EXECUTION DOCUMENT 

Stand Alone Living Benefit (SALB) 
 Issued by
TALIC and marketed as RetireOne Transamerica 
 Fee Charge for SALB 

1.00%: 50% Equity 
 1.15%: 60% Equity 

1.35%: 70% Equity 
 1.75%: 80% Equity 

Breakpoints 
 ARIA fee will be reduced according to the
following schedule: 
 0.05% - $500,000 to $999,999.99 
 0.10%
- $1 million to $1,999,999.99 
 0.15% - $2M or greater 

The breakpoints are based on deposits into the SALB less any excess withdrawals. If the ARIA fee is reduced, the Fee Charge will be reduced by the same
amount. 
 The fees shown above include 0.35% per year on assets paid to ARIA. 

The fee is assessed as a percentage of Covered Fund Value. The fee is taken from a separate cash account, not from the covered funds. If the cash account is
depleted the owner and agent will be notified on the fee due date and 15-days, 30-days and 45 days thereafter if necessary. If the fee is not remitted within 60 days the
policy is terminated. If the owner chooses to pay the fee from the covered funds the fee deduction is counted as a withdrawal. The fee varies by investment profile model. The fee will change if they switch between the different investment profile
models. The fee will be deducted on each policy quarter in advance. Fees are based on the value of the covered asset pool as of the calculation date. If deposits are added, excess withdrawals taken or if the account exceeds the elected equity
percentage beyond the grace period, there will be a true-up assessed on the next quarterversary. The fee can be increased upon a step-up. The fee increase is subject to
a cap. A fee increase can apply pre-lock-in and post lock-in. If the client does not want the fee increase, the step-up can be rejected and the fee will remain unchanged. If a step-up is rejected, the policy is still eligible for subsequent
step-ups. 
  

	 	(b)	Exhibit E of the Agreement has the following descriptions amended to read as follows: 

 EXECUTION DOCUMENT 

EXHIBIT E 

SERVICE LEVEL 

AGREEMENTS 
  

							
	Transamerica request for error support – acknowledgement of request	  	ARIA	    	As needed	    	To be determined by mutual agreement
	Custodian account monitoring	  	ARIA	    	To be determined by mutual agreement	    	To be determined by mutual agreement
	SALB Certificate Issuance	  	ARIA	    	To be determined by mutual agreement	    	To be determined by mutual agreement

 3. Miscellaneous. 
 All
other terms and conditions set out in the Agreement not affected by this First Amendment shall remain the same. The Agreement, as amended by this First Amendment, hereby remains in full force and effect. 

This First Amendment shall inure to the benefit of and be binding upon the parties hereto and each of their respective successors and permitted assigns. This
First Amendment may be executed in counterparts, each of which so executed shall be deemed to be an original and such counterparts together shall constitute one and the same document. Execution of a counterpart may be evidenced by facsimile or other
electronic transmission of an originally executed copy of the counterpart. 
 This First Amendment shall be governed by and construed in accordance with the
laws of the State of Iowa without giving effect to the conflicts of laws principles. 
 [Signature page to this First Amendment follows.]

 EXECUTION DOCUMENT 
  

			
	ARIA RETIREMENT SOLUTIONS, LLC, as ARIA
		
	By:	 	 

  

		
	Title:	 	 CEO

	
	TRANSAMERICA ADVISORS LIFE INSURANCE COMPANY, as Company
		
	By:	 	 

  

		
	Title:	 	 Vice PresidentEX-10.22

 Exhibit 10.22 

FIRST AMENDMENT TO ADMINISTRATIVE SERVICES AGREEMENT 

This First Amendment (this “First Amendment”) dated as of June 20,2012 is made and entered into between ARIA
Retirement Solutions, Inc. (“ARIA”) and Transamerica Advisors Life Insurance Company (the “Company”).  

RECITALS 

WHEREAS, ARIA and the Company have entered into an Administrative Services Agreement dated August 3. 2011 (the
“Services Agreement”); 
 WHEREAS, ARIA and the Company agree that ARIA does not provide any
underwriting or claims adjustment services which would require licensure as a Third Party Administrator (“TPA”) and ARIA’s premium collection services are performed in its capacity as a licensed insurance
producer; 
 WHEREAS, ARIA has changed its corporate form from that of a limited liability company to a that of a corporation and has continued to
fulfill its obligations under the Services Agreement; and 
 WHEREAS, ARIA and the Company desire to modify and amend the Services
Agreement as provided herein; 
 AMENDMENT 

NOW, THEREFORE, in consideration of the premises herein contained and for other good and valuable consideration. ARIA and the Company
do hereby mutually agree as follows: 
 1. Update to ARIA’s Legal Name. Each occurrence of “ARIA Retirement
Solutions. LLC” in the Services Agreement is hereby replaced with “ARIA Retirement Solutions, Inc.” 
 2. Amendment to
the Services Agreement. Section, 1.13 of the Agreement: the entirety of the paragraph is hereby replaced to read as follows: 

“ARIA is licensed as an insurance producer in the State of California and in all other states in which it is required to be so licensed.
ARIA will comply with all applicable laws, rules. and regulations to which it is or may become subject.” 
 3. Defined Terms;
References. Unless otherwise specifically defined herein, each term used herein which is defined in the Agreement has the meaning assigned to such term in the Agreement. Each reference to “hereof”, “hereunder”,
“herein” and “hereby” and each other similar reference and each reference to “this Services Agreement” and each other similar reference contained in the Services Agreement shall, after this First Amendment becomes
effective, refer to the Services Agreement as amended hereby, except that, for the avoidance of doubt, reference to “the date hereof” or other similar references contained in the Services Agreement shall mean the date of the Services
Agreement, and not the date of this First Amendment. 

  
 Page 1 of 2 

	 	4.	Miscellaneous.  

 a. Except as
expressly set forth herein, this First Amendment shall not constitute a waiver or amendment of any term or condition of the Services Agreement and all such terms and conditions shall remain in full force and effect. 

b. This First Amendment shall be construed and in accordance with, and governed by, the laws of the State of Iowa. 

c. This First Amendment may be executed in any number of counterparts (including by facsimile or PDF), each of which shall be
deemed to be an original and all of which together shall be deemed to be one and the same instrument. 
 IN WITNESS WHEREOF, the
parties have caused this First Amendment to be executed by their respective officers duly authorized and to take effect as of the date first written above. 
  

									
	Transamerica Advisors Life Insurance Company	 		 	ARIA Retirement Solutions, Inc.
					
	By:	 	 

  
	 		 	By:	 	 

  

					
	Name:	 	 Anne M. Spaes
	 		 	Name:	 	David Stone
					
	Title:	 	 Vice President
	 		 	Title:	 	CEO

  
 Page 2 of 2EX-10.23

 Exhibit 10.23 

AMENDMENT NO. 3 
 TO

 ADMINISTRATIVE SERVICES AGREEMENT 

This Amendment No. 3 to Administrative Services Agreement (“Amendment”), effective as of June 1, 2014 (the “Amendment
Effective Date”), is by and between ARIA Retirement Solutions. Inc. (“ARIA”) and Transamerica Advisors Life Insurance Company (referred to herein as the “Company”). 

WHEREAS, effective August 3, 2011 ARIA and the Company entered into an Administrative Services Agreement (the
“Agreement”) that describes the terms and conditions under which ARIA would provide certain third party administration services to Company. 

WHEREAS, the parties wish to add to the responsibilities assigned to the parties in Exhibit A of the Agreement. 

IT IS THEREFORE AGREED AS FOLLOWS: 
  

	 	1.	As of the Amendment Effective Date, the following shall be added as a new obligation in Exhibit A of the Agreement under “Sales and Marketing”: 

 

							
	 ID
	  	 Activity
	  	 ARIA
	  	 Company

	2.3	  	Supervision of state mandated annuity training	  	X	  	

  

	 	2.	Furthermore, as of the Amendment Effective Date the parties agree as follows: 

 Supervision of state
mandated annuity training 
 As permitted by state insurance laws and regulations. Company contracts with ARIA for ARIA to establish procedures which are
reasonably designed to ensure compliance with standards for annuity training obligations, as follows: 
  

	 	(i)	Establish and maintain reasonable procedures for validating completion of annuity training obligations 

  

	 	(ii)	Verify and document agent has completed the required annuity training before allowing agent to solicit an annuity product. 

  

	 	(iii)	Provide to Company an annual certification by a senior manager with responsibility for annuity training supervision in a format acceptable to Company. 

 

	 	(iv)	Promptly cooperate with period reviews by the Company reasonably designed to verify the accuracy of the annual certification and ongoing compliance with this Agreement. 

 IN WITNESS WHEREOF, the parties have caused this Amendment to be signed and delivered by their
duly authorized representative as of the Amendment Effective Date. 
  

									
	TRANSAMERICA ADVISORS LIFE INSURANCE COMPANY	  		  		 	ARIA RETIREMENT SOLUTIONS, INC.
					
	By:	 	 

  
	  		  	By:	 	 

  

					
	Name:	 	 Anne M Spaes
	  		  	Name:	 	Karen Chang
					
	Title:	 	 VP
	  		  	Title:	 	Chief Financial Officer
					
	Date:	 	 9/12/14
	  		  	Date:	 	September 9, 2014

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