Document:

EX-4.iv

 Exhibit (4)(iv) 

EXHIBIT (4)(iv) 
 BASIC
INDEX ACCOUNT RIDER 

 Transamerica Life Insurance Company 

Cedar Rapids, Iowa 

Contact us at 6400 C Street SW, Cedar Rapids, Iowa 52499 

800-525-6205 

www.transamerica.com 
 Basic
Index Account Rider 
 This Rider is attached to and made part of the policy on the Policy Date and becomes effective on the date You initially allocate
Premium Payments or transfer Policy Value to the Index Account Options available with this Rider as permitted in the policy. All provisions of the policy that do not conflict with this Rider apply to this Rider. In the event of any conflict between
the provisions of this Rider and the provisions of the policy, the provisions of this Rider shall prevail over the provisions of the policy. 
 This Rider
provides combinations of growth opportunities and downside protection options. Interest is credited based on these options and the performance of Your selected Index. The Company will offer one or more available combinations of Indices, Crediting
Periods and Index features as defined below. There is no fee for this Rider. 
 RIDER DEFINITIONS: 

Terms used that are not defined in this Rider shall have the same meaning as those in Your policy. 

Bond Reference Portfolio Yield – A reference portfolio yield rate which is the sum of a treasury rate and an option adjusted spread from a widely
utilized bond index. 
 Crediting Period - The period of time following an allocation in which the current rates associated with the allocation will
not change. It is also the period of time used to determine the Index Change and the corresponding interest to be credited. 
 Index - The
Index/Indices and exchange-traded fund(s) used to calculate interest on premiums or transfers allocated to the Index Account. We refer to these Indices and exchange-traded fund(s) using the terms Index/Indices. 

Index Base - The portion of the Policy Value allocated to an Index Account Option less the sum of any adjustments for withdrawals, service
charges and rider fees deducted from the Index Account Option since the beginning of a Crediting Period. 
 Index Change - The percentage of change
in the Index Value of an Index from the beginning of the Crediting Period to the end of the Crediting Period before any applicable adjustment for Growth Opportunity or Downside Protection. Adjustments are made so that any Index Change is not
affected by an index split (a multiplying or dividing of an index’s share count that affects the index’s price). The rate is determined by [(A / B) – 1], where: 
  

	 	A	 is the Index Value on the last day of the Crediting Period; and 

 

	 	B	 is the Index Value on the first day of the Crediting Period. 

Index Credit - The amount credited at the end of a Crediting Period. The Index Credit is equal to the Index Credit Rate multiplied by the Index Base.
The Index Credit could be positive or negative. 
 Index Credit Rate - The rate used to determine the Index Credit. The Index Credit Rate equals the
Growth Opportunity Rate if the Index Change is zero or positive or the Downside Protection Rate if the Index Change is negative. 
 Index Value - The
value of an Index at the end of a day. The Index Value on any day that is not a Business Day is the value as of the next Business Day. The Company will rely on the Index Value reported by a third party. 

Interim Value - The Interim Value is the value of the Index Account Option on any Business Day during the Crediting Period except the first and last
day of the Crediting Period. The Interim Value is calculated at the end of each Business Day. The Interim Value may change each Business Day and the change may be either positive or negative. The Interim Value is the amount available in the Index
Account for withdrawals, Surrender, annuitization and payable upon death. 
 Growth Opportunity Rate - A rate calculated if the Index Change is zero
or positive. Rates used within the calculation of the Growth Opportunity Types are declared at the beginning of a Crediting Period. Different rates may be declared for different Index Account Option(s). 

  
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 Growth Opportunity Type – A policy feature which may result in a positive Index Credit. Growth
Opportunity definitions are shown below. 
 Accelerated Tiered Participation Growth Opportunity Type 

A Growth Opportunity Type in which the calculated Growth Opportunity Rate is equal to the sum of (1) and (2), where: 

 

	 	(1)	 is the Tier 1 Participation Rate multiplied by the Index Change; and 

 

	 	(2)	 for Tier 2 to Tier (x), the sum of (A) multiplied by (B), where: 

 

	 	(A)	 is Tier (x) Participation Rate less the Tier (x-1) Participation
Rate; and 

  

	 	(B)	 is the Index Change less the Tier (x) Level, but not less than zero. 

Cap Growth Opportunity Type 

A Growth Opportunity Type in which the calculated Growth Opportunity Rate is the lesser of the Index Change or the Cap Rate. 

Cap+ Accelerator Growth Opportunity Type 

A Growth Opportunity Type in which the Growth Opportunity Rate is equal to the sum of (1) and (2), where: 

 

	 	(1)	 is the lesser of the Index Change or the Cap Rate; and 

 

	 	(2)	 is the Index Change less the Cap+ Accelerator Rate, but not less than zero. 

Participation Growth Opportunity Type 

A Growth Opportunity Type in which the calculated Growth Opportunity Rate is equal to the Index Change multiplied by the Participation Rate.

 Value Trigger Growth Opportunity Type 

A Growth Opportunity Type in which the Growth Opportunity Rate is equal to the Value Trigger Rate. 

Value Trigger+ Growth Opportunity Type 

A Growth Opportunity Type in which the Growth Opportunity Rate is the greater of (1) or (2), where: 

 

	 	(1)	 is the Value Trigger+ Rate; or 

 

	 	(2)	 is the Index Change multiplied by the Value Trigger+ Participation Rate. 

Downside Protection Rate - A rate calculated if the Index Change is negative. Rates used within the calculation of the Downside Protection Types are
declared at the beginning of a Crediting Period. Different rates may be declared for different Index Account Option(s). 
 Downside Protection Type -
A policy feature which may result in a negative Index Credit. Downside Protection Type definitions are shown below. 
 Buffer
Downside Protection Type 
 A Downside Protection Type in which the calculated Downside Protection Rate is the lesser of (1) or (2),
where: 
  

	 	(1)	 is the Index Change plus the Buffer Rate; or 

 

	 	(2)	 is zero. 

Floor Downside Protection Type 

A Downside Protection Type in which the calculated Downside Protection Rate is the greater of (1) or (2), where: 

 

	 	(1)	 is the Floor Rate; or 

 

	 	(2)	 is the Index Change. 

  
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 Buffer and Floor Downside Protection Type 

A Downside Protection Type in which the calculated Downside Protection Rate is the greater of (1) or (2), where: 

 

	 	(1)	 is the lesser of (A) or (B), where: 

 

	 	(A)	 is the Index Change plus the Buffer Rate; or 

 

	 	(B)	 is zero. 

  

	 	(2)	 is the Floor Rate. 

Participation Downside Protection Type 

A Downside Protection Type in which the calculated Downside Protection Rate is equal to the Index Change multiplied by the Participation Rate.

 Option Value – The value of a hypothetical portfolio of options used to estimate the value of Your Index Credit prior to the end of the
Crediting Period. The replicating portfolio of options are designated by Us for each Index Account Option and are used to estimate the fair value of the risk of loss and the possibility of gain at the end of a Crediting Period, expressed in
percentage terms. 
 INDEX ACCOUNT 
 The Owner may
allocate premium or transfer Policy Value to the Index Account. Interest on the Index Account is computed based on the changes in the Index during the Crediting Period. Interest is credited on the Index Account at the end of the Crediting Period.
During the Crediting Period the Index Account value will be the Interim Value. 
 Prior to the end of the Crediting Period, we will notify You of the
Indices, Crediting Periods and Index features available for transfer. 
 The Company may discontinue an Index Account Option, however we will always offer
at least one Index Account Option for as long as we permit current owners to elect new Crediting Periods and for as long as we offer the policy. If any Index Account Options are discontinued, the Index Account Options will be closed such that no new
premiums, reallocations or transfers would be allowed into the Index Account Option. If You are currently invested in an Index Account Option and it is discontinued, You will remain in that Index Account Option until the end of the Crediting Period.

 The Index supporting an Index Account Option may be discontinued or the calculation of the Index may be substantially changed by the Index provider. In
this situation, we may substitute this Index with an alternative Index. We will notify You (and any permitted assignee) of the substitution in writing. 

The Company may restrict the available Index Account Option(s) in order to avoid conflict with Internal Revenue Code and/or the applicable tax regulations.

 When the Death Benefit is payable before the end of the Crediting Period, the Interim Value will be calculated as of the date we receive due proof of
death. 
 If there are multiple beneficiaries, the following applies for each individual beneficiary’s election. Upon receipt of due proof of death
from a beneficiary electing a lump sum claim payment, we will pay the Interim Value for their portion of the benefits. If a beneficiary elects to continue the policy or defers payment, the current Crediting Period continues until its end date at
which time the beneficiary may allocate to other currently available Allocation Account(s). Additional information regarding transfers and allocation to the Allocation Account(s) are specified in Section 8 of the policy. If the beneficiary
elects a spousal continuation of the policy or defers payment pursuant to a delay and subsequently dies or elects to surrender the policy prior to the end of an Index Account Option Crediting Period, the Interim Value is used to determine benefit
payments. 
 COMPUTATION OF INTEREST 
 Interest for an
Index Account Option is determined by multiplying the Index Credit Rate by the Index Base at the end of the Crediting Period. 
 The Index Credit Rate used
to determine the interest credited to the values held in the Index Account Option at the end of the Crediting Period is equal to (1) or (2); where: 
  

	 	(1)	 is the Growth Opportunity Rate, if the Index Change is zero or positive; or 

 

	 	(2)	 is the Downside Protection Rate, if the Index Change is negative. 

  
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 COMPUTATION OF INTERIM VALUE 

The Interim Value is the value of the Index Account Option on any Business Day except for the first and last day of the Crediting Period. The Interim Value of
an Index Account Option is calculated as [A * (1 + B)], where: 
  

	 	A	 is the Index Base; and 

 

	 	B	 is (1) + ((2) * (3)), where: 

 

	 	(1)	 is the option rate on any Business Day prior to the end of the Crediting Period. It is determined as [C –
(D * E)], where: 

  

	 	C	 is the Option Value on any Business Day prior to the end of the Crediting Period; 

 

	 	D	 is the Option Value on the first day of the Crediting Period; and 

 

	 	E	 is the calendar days remaining in the Crediting Period divided by the days in the Crediting Period.

  

	 	(2)	 is the bond rate on any Business Day prior to the end of the Crediting Period. It is determined as [(1 + F) –H - (1 + G) –H], where: 

  

	 	F	 is the Bond Reference Portfolio Yield on any Business Day prior to the end of the Crediting Period;

  

	 	G	 is the Bond Reference Portfolio Yield on the first day of the Crediting Period; and 

 

	 	H	 is the calendar days remaining in the Crediting Period divided by 365.25. 

 

	 	(3)	 is 1 minus the calendar days remaining in the surrender charge period divided by the days in the surrender
charge period. 

 The option and bond rates may be positive or negative and are used to estimate the fair value of the Index Account
Option. The option rate considers the risk of loss and the possibility of gain, and magnitudes thereof, at the end of a Crediting Period. The bond rate considers changes in the yield environment since the beginning of the Crediting Period. 

TERMINATION 
 This Rider terminates upon termination of
the policy to which this Rider is attached. 
 Signed for us at our home office. 

 

									
		  	

	  		  	

	  	
					
		  	            Blake Bostwick	  		  	        Karyn S.W. Polak	  	
		  	            President	  		  	        Secretary	  	

  
 4EX-4.v

 Exhibit (4)(v) 

EXHIBIT (4)(v) 
 CREDIT
ADVANTAGE INDEX RIDER 

 Transamerica Life Insurance Company 

Cedar Rapids, Iowa 

Contact us at 6400 C Street SW, Cedar Rapids, Iowa 52499 

800-525-6205 

www.transamerica.com 
 Credit
Advantage Rider 
 This Rider is attached to and made part of the policy and becomes effective on the date You initially allocate Premium Payments or
transfer Policy Value to the Index Account Option for this Rider as permitted in the policy. All provisions of the policy that do not conflict with this Rider apply to this Rider. In the event of any conflict between the provisions of this Rider and
the provisions of the policy, the provisions of this Rider shall prevail over the provisions of the policy. 
 Index Account Options with the Credit
Advantage Rider have more advantageous Growth Opportunity parameters than would be possible without this Rider. 
 Credit Advantage Fee amounts are assessed
only if a Credit Advantage Index Account Option is elected on the policy. The Credit Advantage Fee amount is calculated and deducted from the Credit Advantage Index Account Option value at the end of the Crediting Period and upon withdrawals during
the Crediting Period. 
 If this Rider is elected at issue, the Credit Advantage Fee annual percentage is shown in
Section 2-Policy Data for the Credit Advantage Account Option(s) chosen. If this Rider is elected after Your policy is issued, You will be notified in writing of the applicable Credit Advantage Fee annual
percentage. The Credit Advantage Fee annual percentage applies for the duration of the Crediting Period for the Credit Advantage Index Account Option elected. This annual fee percentage may change at the beginning of any new Crediting Period, but
will never be greater than the maximum annual fee percentage shown in Section 2-Policy Data. 
 The Credit
Advantage Fee amount is (A * [B * C]), where: 
  

	 	A	 is the Credit Advantage Index Account Option allocation amount; 

 

	 	B	 is the Credit Advantage Fee annual percentage; and 

 

	 	C	 is the Crediting Period. 

Withdrawals will be subject to a Credit Advantage Fee. If there is a withdrawal from this Credit Advantage Index Account Option, the applicable Credit
Advantage Fee amount will be assessed at that time. The Credit Advantage Fee amount assessed for withdrawals is (A * (B/C)), where: 
  

	 	A	 is the remaining Credit Advantage Fee amount prior to the withdrawal; 

 

	 	B	 is the amount withdrawn; and 

 

	 	C	 is the Credit Advantage Index Account Option value prior to the withdrawal. 

The remaining Credit Advantage Fee amount is equal to the Credit Advantage Fee amount minus all prior assessed Credit Advantage Fee amounts from this Credit
Advantage Index Account Option. 
 The accrued Credit Advantage Fee amount is (A + [(B-A) * (C/D)]), where: 

 

	 	A	 is the Accrued Credit Advantage Fee amount immediately after Your last withdrawal, or zero if no withdrawal has
been taken, from this Credit Advantage Index Account Option; 

  

	 	B	 is the remaining Credit Advantage Fee amount; 

 

	 	C	 is the number of days elapsed since Your last withdrawal, or the Rider Date if no withdrawal has been taken,
from this Credit Advantage Index Account Option; and 

  

	 	D	 is the number of days from Your last withdrawal, or the Rider Date if no withdrawal has been taken, to the end
of the Crediting Period. 

  
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 At the time of any withdrawal from a Credit Advantage Index Account Option that is less than its Interim
Value, the accrued Credit Advantage Fee amount is reduced by the amount of the assessed Credit Advantage Fee. If a withdrawal results in an assessed Credit Advantage Fee amount that is greater than or equal to the accrued Credit Advantage Fee amount
at that time, then the accrued Credit Advantage Fee amount immediately after Your last withdrawal will be zero. 
 At the time of any withdrawal from a
Credit Advantage Index Account Option that is equal to its Interim Value, the remaining Credit Advantage Fee amount will be assessed. 
 The remaining
Credit Advantage Fee amount will be assessed at the end of the Crediting Period. 
 If a death benefit is payable, the remaining Credit Advantage Fee amount
less the accrued Credit Advantage Fee amount will be waived as of the date we receive due proof of death from any beneficiary. 
 This Rider terminates upon
termination of the policy to which this Rider is attached. 
 Signed for us at our home office. 

 

									
		  	

	  		  	

	  	
					
		  	Blake Bostwick	  		  	Karyn S.W. Polak	  	
		  	President	  		  	Secretary	  	

  
 2

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