TFLIC Separate Account VNY

FINANCIAL STATEMENTS

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Years Ended December 31, 2023 and 2022

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Financial Statements

Years Ended December 31, 2023 and 2022

Contents


Report of Independent Registered Public Accounting Firm		1

Financial Statements

Statements of Assets and Liabilities		2
Statements of Operations and Changes in Net Assets		6
Notes to Financial Statements		18

Report of Independent Registered Public Accounting Firm

To the Board of Directors of Transamerica Financial Life Insurance Company and the Contract Owners of TFLIC Separate Account VNY

Opinions on the Financial Statements

We have audited the accompanying statements of assets and liabilities of each of the subaccounts of TFLIC Separate Account VNY indicated in the table below as of December 31, 2023, and the related statements of operations and changes in net assets for each of the periods indicated in the table below, including the related notes (collectively referred to as the “financial statements”). In our opinion, the financial statements present fairly, in all material respects, the financial position of each of the subaccounts of TFLIC Separate Account VNY as of December 31, 2023, and the results of each of their operations and the changes in each of their net assets for the periods indicated in the table below, in conformity with accounting principles generally accepted in the United States of America.


AB Large Cap Growth Class B Shares (1)		TA Goldman Sachs Managed Risk - Growth ETF Initial Class (1)
AB Sustainable Global Thematic Growth Class B Shares (1)		TA International Focus Initial Class (1)
BNY Mellon Sustainable U.S. Equity Service Shares (1)		TA Janus Mid-Cap Growth Initial Class (1)
BNY Mellon VIF Appreciation Service Shares (1)		TA JPMorgan Asset Allocation - Conservative Initial Class (1)
Columbia - Small Company Growth Class 1 Shares (1)		TA JPMorgan Asset Allocation - Growth Initial Class (1)
DFA VA Global Bond (1)		TA JPMorgan Asset Allocation - Moderate Initial Class (1)
DFA VA International Small (1)		TA JPMorgan Asset Allocation - Moderate Growth Initial Class (1)
DFA VA International Value (1)		TA JPMorgan Enhanced Index Initial Class (1)
DFA VA Short-Term Fixed (1)		TA Multi-Managed Balanced Initial Class (1)
DFA VA U.S. Large Value (1)		TA S&P 500 Index Initial Class (2)
DFA VA U.S. Targeted Value (1)		TA Small/Mid Cap Value Initial Class (1)
Federated Hermes Fund for U.S. Government Securities II (1)		TA T. Rowe Price Small Cap Initial Class (1)
Federated Hermes Government Money II Service Shares (1)		TA TS&W International Equity Initial Class (1)
Federated Hermes High Income Bond II Primary Shares (1)		TA WMC US Growth Initial Class (1)
Federated Hermes Managed Volatility II Primary Shares (1)		Vanguard® Equity Index (1)
Fidelity® VIP Contrafund® Initial Class (1)		Vanguard® International (1)
Fidelity® VIP Mid Cap Initial Class (1)		Vanguard® Mid-Cap Index (1)
Fidelity® VIP Value Strategies Initial Class (1)		Vanguard® Real Estate Index (1)
NVIT Emerging Markets Class D Shares (1)		Vanguard® Short-Term Investment Grade (1)


TA Aegon Bond Initial Class (1)		Vanguard® Total Bond Market Index (1)
TA Aegon Sustainable Equity Income Initial Class (1)		Wanger Acorn (1)
TA BlackRock Real Estate Securities Initial Class (1)		Wanger International (1)
TA Goldman Sachs Managed Risk - Balanced ETF Initial Class (1)
(1) Statements of operations and changes in net assets for the years ended December 31, 2023 and 2022 (2) Statements of operations and changes in net assets for the year ended December 31, 2023 and the period May 2, 2022 (commencement of operations) through December 31, 2022

Basis for Opinions

These financial statements are the responsibility of the Transamerica Financial Life Insurance Company management. Our responsibility is to express an opinion on the financial statements of each of the subaccounts of TFLIC Separate Account VNY based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to each of the subaccounts of TFLIC Separate Account VNY in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits of these financial statements in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud.

Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. Our procedures included confirmation of investments owned as of December 31, 2023 by correspondence with the custodian, the transfer agents, or the investee mutual funds. We believe that our audits provide a reasonable basis for our opinions.

/s/ PricewaterhouseCoopers LLP

Chicago, Illinois

April 19, 2024

We have served as the auditor of one or more of the subaccounts of TFLIC Separate Account VNY since 2014.

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Assets and Liabilities

December 31, 2023


Subaccount	Number of Shares		Cost		Assets at Market Value		Due (to)/from General Account		Net Assets		Units Outstanding		Range of Unit Values
AB Large Cap Growth Class B Shares		-	$	-	$	-	$	-	$	-		-	$	5.233180	$	26.297707
AB Sustainable Global Thematic Growth Class B Shares		-		-		-		-		-		-		2.697641		20.153049
BNY Mellon Sustainable U.S. Equity Service Shares		-		-		-		-		-		-		4.023471		19.113206
BNY Mellon VIF Appreciation Service Shares		-		-		-		-		-		-		4.309049		21.630496
Columbia - Small Company Growth Class 1 Shares		0.259		4		3		(3)		-		-		3.898382		21.123601
DFA VA Global Bond		107,634.041		1,132,348		1,045,127		43		1,045,170		747,403		1.371851		9.470681
DFA VA International Small		43,812.059		510,665		520,487		5		520,492		223,755		2.258774		13.579427
DFA VA International Value		75,988.429		910,710		1,034,203		(10)		1,034,193		563,064		1.795554		14.026768
DFA VA Short-Term Fixed		74,463.906		757,983		746,873		21		746,894		628,845		1.155788		9.680518
DFA VA U.S. Large Value		71,139.199		1,799,880		2,314,870		(11)		2,314,859		677,241		3.328673		15.175181
DFA VA U.S. Targeted Value		50,424.324		885,699		1,139,590		(34)		1,139,556		326,074		3.410659		16.395094
Federated Hermes Fund for U.S. Government Securities II		3,152.594		33,585		29,477		(6)		29,471		21,915		1.297812		9.032830
Federated Hermes Government Money II Service Shares		487,056.124		487,056		487,056		47		487,103		436,978		1.075877		9.649649
Federated Hermes High Income Bond II Primary Shares		42,945.931		262,536		243,074		8		243,082		97,633		2.486543		11.556548
Federated Hermes Managed Volatility II Primary Shares		-		-		-		-		-		-		2.577793		12.772739
Fidelity^® VIP Contrafund^® Initial Class		445.739		15,940		21,676		10		21,686		4,779		4.380855		21.482188
Fidelity^® VIP Mid Cap Initial Class		4,446.077		159,465		162,015		(1)		162,014		44,647		3.533284		16.176805
Fidelity^® VIP Value Strategies Initial Class		5,545.884		74,055		91,784		1		91,785		24,047		3.716463		18.830371
NVIT Emerging Markets Class D Shares		2.501		29		26		(2)		24		2		10.308268		10.952790
TA Aegon Bond Initial Class		7,092.564		80,320		68,656		7		68,663		43,216		1.584098		9.731341
TA Aegon Sustainable Equity Income Initial Class		0.083		1		2		(2)		-		-		2.521263		11.888347
TA BlackRock Real Estate Securities Initial Class		364.919		3,734		3,547		-		3,547		2,006		1.721964		11.487894
TA Goldman Sachs Managed Risk - Balanced ETF Initial Class		31,565.437		349,771		364,581		4		364,585		198,735		1.778310		12.422627
TA Goldman Sachs Managed Risk - Growth ETF Initial Class		-		-		-		-		-		-		2.032507		14.043116
TA International Focus Initial Class		7,238.491		71,673		62,758		(1)		62,757		30,191		2.078578		14.292046
TA Janus Mid-Cap Growth Initial Class		-		-		-		-		-		-		4.008822		20.638865
TA JPMorgan Asset Allocation - Conservative Initial Class		-		-		-		-		-		-		1.785466		11.654947
TA JPMorgan Asset Allocation - Growth Initial Class		24,195.734		281,028		250,668		-		250,668		92,040		2.651811		17.195545
TA JPMorgan Asset Allocation - Moderate Initial Class		44,013.852		475,301		451,142		(2)		451,140		215,472		2.023823		12.753383
TA JPMorgan Asset Allocation - Moderate Growth Initial Class		-		-		-		-		-		-		2.252649		14.281881
TA JPMorgan Enhanced Index Initial Class		805.496		14,757		19,259		2		19,261		3,988		4.660227		21.200690
TA Multi-Managed Balanced Initial Class		0.226		4		3		(3)		-		-		3.081371		15.857452
TA S&P 500 Index Initial Class		-		-		-		-		-		-		1.169991		11.738738
TA Small/Mid Cap Value Initial Class		2,012.145		41,709		38,150		1		38,151		11,461		3.328671		15.306443
TA T. Rowe Price Small Cap Initial Class		3,109.874		40,886		35,421		2		35,423		7,975		4.398696		17.030555
TA TS&W International Equity Initial Class		-		-		-		-		-		-		1.783073		13.278696
TA WMC US Growth Initial Class		15,066.183		506,643		540,123		12		540,135		116,446		4.523285		25.425301
Vanguard^® Equity Index		38,000.428		1,547,447		2,313,846		(1)		2,313,845		494,686		4.597863		20.853941
Vanguard^® International		35,771.827		977,366		878,914		2		878,916		400,931		2.157112		18.043185
Vanguard^® Mid-Cap Index		37,198.722		791,978		890,165		14		890,179		227,124		3.844137		16.986229
Vanguard^® Real Estate Index		29,085.628		337,799		346,701		1		346,702		134,147		2.514699		12.638740
Vanguard^® Short-Term Investment Grade		92,134.271		974,854		949,904		(56)		949,848		633,970		1.463451		10.128872


See accompanying notes.		2

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Assets and Liabilities

December 31, 2023


Subaccount	Number of Shares		Cost		Assets at Market Value		Due (to)/from General Account		Net Assets		Units Outstanding		Range of Unit Values
Vanguard^® Total Bond Market Index		201,913.256	$	2,384,956	$	2,146,338	$	7	$	2,146,345		1,385,413	$	1.503580	$	9.656984
Wanger Acorn		1,329.035		15,522		17,716		(1)		17,715		5,525		3.121599		14.750900
Wanger International		175.693		3,744		3,581		1		3,582		1,482		2.331622		13.306193


See accompanying notes.		3

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Assets and Liabilities

December 31, 2023


Subaccount	Net Assets Representing: Accumulation Units		Net Assets Representing: Contracts in Payout (Annuitization) Period		Total Net Assets
AB Large Cap Growth Class B Shares	$	-	$	-	$	-
AB Sustainable Global Thematic Growth Class B Shares		-		-		-
BNY Mellon Sustainable U.S. Equity Service Shares		-		-		-
BNY Mellon VIF Appreciation Service Shares		-		-		-
Columbia - Small Company Growth Class 1 Shares		-		-		-
DFA VA Global Bond		1,045,170		-		1,045,170
DFA VA International Small		520,492		-		520,492
DFA VA International Value		1,034,193		-		1,034,193
DFA VA Short-Term Fixed		746,894		-		746,894
DFA VA U.S. Large Value		2,314,859		-		2,314,859
DFA VA U.S. Targeted Value		1,139,556		-		1,139,556
Federated Hermes Fund for U.S. Government Securities II		29,471		-		29,471
Federated Hermes Government Money II Service Shares		487,103		-		487,103
Federated Hermes High Income Bond II Primary Shares		243,082		-		243,082
Federated Hermes Managed Volatility II Primary Shares		-		-		-
Fidelity^® VIP Contrafund^® Initial Class		21,686		-		21,686
Fidelity^® VIP Mid Cap Initial Class		162,014		-		162,014
Fidelity^® VIP Value Strategies Initial Class		91,785		-		91,785
NVIT Emerging Markets Class D Shares		24		-		24
TA Aegon Bond Initial Class		68,663		-		68,663
TA Aegon Sustainable Equity Income Initial Class		-		-		-
TA BlackRock Real Estate Securities Initial Class		3,547		-		3,547
TA Goldman Sachs Managed Risk - Balanced ETF Initial Class		364,585		-		364,585
TA Goldman Sachs Managed Risk - Growth ETF Initial Class		-		-		-
TA International Focus Initial Class		62,757		-		62,757
TA Janus Mid-Cap Growth Initial Class		-		-		-
TA JPMorgan Asset Allocation - Conservative Initial Class		-		-		-
TA JPMorgan Asset Allocation - Growth Initial Class		250,668		-		250,668
TA JPMorgan Asset Allocation - Moderate Initial Class		451,140		-		451,140
TA JPMorgan Asset Allocation - Moderate Growth Initial Class		-		-		-
TA JPMorgan Enhanced Index Initial Class		19,261		-		19,261
TA Multi-Managed Balanced Initial Class		-		-		-
TA S&P 500 Index Initial Class		-		-		-
TA Small/Mid Cap Value Initial Class		38,151		-		38,151
TA T. Rowe Price Small Cap Initial Class		35,423		-		35,423
TA TS&W International Equity Initial Class		-		-		-
TA WMC US Growth Initial Class		540,135		-		540,135
Vanguard^® Equity Index		2,313,845		-		2,313,845
Vanguard^® International		878,916		-		878,916
Vanguard^® Mid-Cap Index		890,179		-		890,179
Vanguard^® Real Estate Index		346,702		-		346,702


See accompanying notes.		4

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Assets and Liabilities

December 31, 2023


Subaccount	Net Assets Representing: Accumulation Units		Net Assets Representing: Contracts in Payout (Annuitization) Period		Total Net Assets
Vanguard^® Short-Term Investment Grade	$	949,848	$	-	$	949,848
Vanguard^® Total Bond Market Index		2,146,345		-		2,146,345
Wanger Acorn		17,715		-		17,715
Wanger International		3,582		-		3,582


See accompanying notes.		5

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022

AB Large Cap Growth Class B Shares

Subaccount

AB Sustainable Global Thematic

Growth Class B Shares

Subaccount

BNY Mellon Sustainable U.S. Equity

Service Shares

Subaccount

BNY Mellon VIF Appreciation

Service Shares

Subaccount

Net Assets as of December 31, 2021:

Investment Income:

Reinvested Dividends

Investment Expense:

Mortality and Expense Risk and Administrative Charges

Net Investment Income (Loss)

Increase (Decrease) in Net Assets from Operations:

Capital Gain Distributions

Realized Gain (Loss) on Investments

Net Realized Capital Gains (Losses) on Investments

Net Change in Unrealized Appreciation (Depreciation)

Net Gain (Loss) on Investment

Net Increase (Decrease) in Net Assets Resulting from Operations

Increase (Decrease) in Net Assets from Contract Transactions

Total Increase (Decrease) in Net Assets

Net Assets as of December 31, 2022:

Investment Income:

Reinvested Dividends

Investment Expense:

Mortality and Expense Risk and Administrative Charges

Net Investment Income (Loss)

Increase (Decrease) in Net Assets from Operations:

Capital Gain Distributions

Realized Gain (Loss) on Investments

Net Realized Capital Gains (Losses) on Investments

Net Change in Unrealized Appreciation (Depreciation)

Net Gain (Loss) on Investment

Net Increase (Decrease) in Net Assets Resulting from Operations

Increase (Decrease) in Net Assets from Contract Transactions

Total Increase (Decrease) in Net Assets

Net Assets as of December 31, 2023:

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Columbia - Small Company Growth Class 1 Shares Subaccount			DFA VA Global Bond Subaccount			DFA VA International Small Subaccount			DFA VA International Value Subaccount

Net Assets as of December 31, 2021:	$	-		$	2,047,692		$	600,038		$	1,107,184


Investment Income:
Reinvested Dividends		-			16,413			12,874			38,887
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-			8,957			2,980			6,194

Net Investment Income (Loss)		-			7,456			9,894			32,693

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		1			-			8,765			10,807
Realized Gain (Loss) on Investments		-			(94,430	)		(6,110	)		23,347

Net Realized Capital Gains (Losses) on Investments		1			(94,430	)		2,655			34,154
Net Change in Unrealized Appreciation (Depreciation)		(2	)		(44,373	)		(122,374	)		(105,852)

Net Gain (Loss) on Investment		(1	)		(138,803	)		(119,719	)		(71,698)

Net Increase (Decrease) in Net Assets Resulting from Operations		(1	)		(131,347	)		(109,825	)		(39,005)


Increase (Decrease) in Net Assets from Contract Transactions		1			(902,386	)		(9,035	)		(104,256)


Total Increase (Decrease) in Net Assets		-			(1,033,733	)		(118,860	)		(143,261)


Net Assets as of December 31, 2022:	$	-		$	1,013,959		$	481,178		$	963,923


Investment Income:
Reinvested Dividends		-			40,780			15,474			46,818
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-			6,631			2,831			6,104

Net Investment Income (Loss)		-			34,149			12,643			40,714

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-			9,343
Realized Gain (Loss) on Investments		-			(5,345	)		(4,194	)		8,620

Net Realized Capital Gains (Losses) on Investments		-			(5,345	)		(4,194	)		17,963
Net Change in Unrealized Appreciation (Depreciation)		1			15,877			54,605			97,848

Net Gain (Loss) on Investment		1			10,532			50,411			115,811

Net Increase (Decrease) in Net Assets Resulting from Operations		1			44,681			63,054			156,525


Increase (Decrease) in Net Assets from Contract Transactions		(1	)		(13,470	)		(23,740	)		(86,255)


Total Increase (Decrease) in Net Assets		-			31,211			39,314			70,270


Net Assets as of December 31, 2023:	$	-		$	1,045,170		$	520,492		$	1,034,193

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	DFA VA Short-Term Fixed Subaccount			DFA VA U.S. Large Value Subaccount			DFA VA U.S. Targeted Value Subaccount			Federated Hermes Fund for U.S. Government Securities II Subaccount

Net Assets as of December 31, 2021:	$	873,119		$	2,589,848		$	1,163,377		$	90,277


Investment Income:
Reinvested Dividends		9,527			49,966			12,757			1,521
Investment Expense:
Mortality and Expense Risk and Administrative Charges		6,164			13,964			6,383			431

Net Investment Income (Loss)		3,363			36,002			6,374			1,090

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			27,007			75,564			-
Realized Gain (Loss) on Investments		(6,763	)		96,084			19,504			(10,951)

Net Realized Capital Gains (Losses) on Investments		(6,763	)		123,091			95,068			(10,951)
Net Change in Unrealized Appreciation (Depreciation)		(15,499	)		(291,155	)		(157,044	)		(3,394)

Net Gain (Loss) on Investment		(22,262	)		(168,064	)		(61,976	)		(14,345)

Net Increase (Decrease) in Net Assets Resulting from Operations		(18,899	)		(132,062	)		(55,602	)		(13,255)


Increase (Decrease) in Net Assets from Contract Transactions		(122,966	)		(305,335	)		(149,865	)		(48,581)


Total Increase (Decrease) in Net Assets		(141,865	)		(437,397	)		(205,467	)		(61,836)


Net Assets as of December 31, 2022:	$	731,254		$	2,152,451		$	957,910		$	28,441


Investment Income:
Reinvested Dividends		28,129			49,676			16,223			713
Investment Expense:
Mortality and Expense Risk and Administrative Charges		4,452			12,974			6,106			156

Net Investment Income (Loss)		23,677			36,702			10,117			557

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			30,276			72,191			-
Realized Gain (Loss) on Investments		273			32,890			12,060			(31)

Net Realized Capital Gains (Losses) on Investments		273			63,166			84,251			(31)
Net Change in Unrealized Appreciation (Depreciation)		8,251			117,201			94,851			504

Net Gain (Loss) on Investment		8,524			180,367			179,102			473

Net Increase (Decrease) in Net Assets Resulting from Operations		32,201			217,069			189,219			1,030


Increase (Decrease) in Net Assets from Contract Transactions		(16,561	)		(54,661	)		(7,573	)		-


Total Increase (Decrease) in Net Assets		15,640			162,408			181,646			1,030


Net Assets as of December 31, 2023:	$	746,894		$	2,314,859		$	1,139,556		$	29,471

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Federated Hermes Government Money II Service Shares Subaccount			Federated Hermes High Income Bond II Primary Shares Subaccount			Federated Hermes Managed Volatility II Primary Shares Subaccount		Fidelity^® VIP Contrafund^® Initial Class Subaccount

Net Assets as of December 31, 2021:	$	82,773		$	265,619		$	-	$	22,295


Investment Income:
Reinvested Dividends		3,127			12,794			-		92
Investment Expense:
Mortality and Expense Risk and Administrative Charges		817			1,698			-		97

Net Investment Income (Loss)		2,310			11,096			-		(5)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-		861
Realized Gain (Loss) on Investments		-			(3,954	)		-		23

Net Realized Capital Gains (Losses) on Investments		-			(3,954	)		-		884
Net Change in Unrealized Appreciation (Depreciation)		-			(39,028	)		-		(6,830)

Net Gain (Loss) on Investment		-			(42,982	)		-		(5,946)

Net Increase (Decrease) in Net Assets Resulting from Operations		2,310			(31,886	)		-		(5,951)


Increase (Decrease) in Net Assets from Contract Transactions		418,897			(19,830	)		-		(5)


Total Increase (Decrease) in Net Assets		421,207			(51,716	)		-		(5,956)


Net Assets as of December 31, 2022:	$	503,980		$	213,903		$	-	$	16,339


Investment Income:
Reinvested Dividends		21,871			13,364			-		96
Investment Expense:
Mortality and Expense Risk and Administrative Charges		2,718			1,699			-		104

Net Investment Income (Loss)		19,153			11,665			-		(8)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-			-		686
Realized Gain (Loss) on Investments		-			(5,356	)		-		24

Net Realized Capital Gains (Losses) on Investments		-			(5,356	)		-		710
Net Change in Unrealized Appreciation (Depreciation)		-			19,342			-		4,643

Net Gain (Loss) on Investment		-			13,986			-		5,353

Net Increase (Decrease) in Net Assets Resulting from Operations		19,153			25,651			-		5,345


Increase (Decrease) in Net Assets from Contract Transactions		(36,030	)		3,528			-		2


Total Increase (Decrease) in Net Assets		(16,877	)		29,179			-		5,347


Net Assets as of December 31, 2023:	$	487,103		$	243,082		$	-	$	21,686

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Fidelity^® VIP Mid Cap Initial Class Subaccount			Fidelity^® VIP Value Strategies Initial Class Subaccount			NVIT Emerging Markets Class D Shares Subaccount			TA Aegon Bond Initial Class Subaccount

Net Assets as of December 31, 2021:	$	159,283		$	86,084		$	227		$	263,496


Investment Income:
Reinvested Dividends		697			850			-			6,499
Investment Expense:
Mortality and Expense Risk and Administrative Charges		834			464			-			1,255

Net Investment Income (Loss)		(137	)		386			-			5,244

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		9,074			3,552			-			-
Realized Gain (Loss) on Investments		(346	)		516			(4	)		(42,692)

Net Realized Capital Gains (Losses) on Investments		8,728			4,068			(4	)		(42,692)
Net Change in Unrealized Appreciation (Depreciation)		(33,377	)		(10,973	)		(58	)		(5,129)

Net Gain (Loss) on Investment		(24,649	)		(6,905	)		(62	)		(47,821)

Net Increase (Decrease) in Net Assets Resulting from Operations		(24,786	)		(6,519	)		(62	)		(42,577)


Increase (Decrease) in Net Assets from Contract Transactions		(216	)		(5,704	)		(123	)		(160,815)


Total Increase (Decrease) in Net Assets		(25,002	)		(12,223	)		(185	)		(203,392)


Net Assets as of December 31, 2022:	$	134,281		$	73,861		$	42		$	60,104


Investment Income:
Reinvested Dividends		914			985			-			568
Investment Expense:
Mortality and Expense Risk and Administrative Charges		874			484			-			453

Net Investment Income (Loss)		40			501			-			115

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		4,161			3,236			-			-
Realized Gain (Loss) on Investments		(50	)		278			1			(350)

Net Realized Capital Gains (Losses) on Investments		4,111			3,514			1			(350)
Net Change in Unrealized Appreciation (Depreciation)		16,121			11,461			1			3,881

Net Gain (Loss) on Investment		20,232			14,975			2			3,531

Net Increase (Decrease) in Net Assets Resulting from Operations		20,272			15,476			2			3,646


Increase (Decrease) in Net Assets from Contract Transactions		7,461			2,448			(20	)		4,913


Total Increase (Decrease) in Net Assets		27,733			17,924			(18	)		8,559


Net Assets as of December 31, 2023:	$	162,014		$	91,785		$	24		$	68,663

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA Aegon Sustainable Equity Income Initial Class Subaccount		TA BlackRock Real Estate Securities Initial Class Subaccount			TA Goldman Sachs Managed Risk - Balanced ETF Initial Class Subaccount			TA Goldman Sachs Managed Risk - Growth ETF Initial Class Subaccount

Net Assets as of December 31, 2021:	$	-	$	34,782		$	378,243		$	-


Investment Income:
Reinvested Dividends		-		975			6,017			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		149			1,832			-

Net Investment Income (Loss)		-		826			4,185			-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		-			8,310			-
Realized Gain (Loss) on Investments		-		(4,194	)		176			-

Net Realized Capital Gains (Losses) on Investments		-		(4,194	)		8,486			-
Net Change in Unrealized Appreciation (Depreciation)		-		(7,785	)		(67,684	)		-

Net Gain (Loss) on Investment		-		(11,979	)		(59,198	)		-

Net Increase (Decrease) in Net Assets Resulting from Operations		-		(11,153	)		(55,013	)		-


Increase (Decrease) in Net Assets from Contract Transactions		-		(20,402	)		2			-


Total Increase (Decrease) in Net Assets		-		(31,555	)		(55,011	)		-


Net Assets as of December 31, 2022:	$	-	$	3,227		$	323,232		$	-


Investment Income:
Reinvested Dividends		-		195			5,978			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		19			1,863			-

Net Investment Income (Loss)		-		176			4,115			-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		-			23,219			-
Realized Gain (Loss) on Investments		-		(5	)		119			-

Net Realized Capital Gains (Losses) on Investments		-		(5	)		23,338			-
Net Change in Unrealized Appreciation (Depreciation)		-		230			13,899			-

Net Gain (Loss) on Investment		-		225			37,237			-

Net Increase (Decrease) in Net Assets Resulting from Operations		-		401			41,352			-


Increase (Decrease) in Net Assets from Contract Transactions		-		(81	)		1			-


Total Increase (Decrease) in Net Assets		-		320			41,353			-


Net Assets as of December 31, 2023:	$	-	$	3,547		$	364,585		$	-

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA International Focus Initial Class Subaccount			TA Janus Mid-Cap Growth Initial Class Subaccount		TA JPMorgan Asset Allocation - Conservative Initial Class Subaccount		TA JPMorgan Asset Allocation - Growth Initial Class Subaccount

Net Assets as of December 31, 2021:	$	52,650		$	-	$	-	$	242,375


Investment Income:
Reinvested Dividends		1,783			-		-		13,020
Investment Expense:
Mortality and Expense Risk and Administrative Charges		388			-		-		1,268

Net Investment Income (Loss)		1,395			-		-		11,752

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		3,122			-		-		43,595
Realized Gain (Loss) on Investments		(311	)		-		-		(140)

Net Realized Capital Gains (Losses) on Investments		2,811			-		-		43,455
Net Change in Unrealized Appreciation (Depreciation)		(15,502	)		-		-		(112,839)

Net Gain (Loss) on Investment		(12,691	)		-		-		(69,384)

Net Increase (Decrease) in Net Assets Resulting from Operations		(11,296	)		-		-		(57,632)


Increase (Decrease) in Net Assets from Contract Transactions		15,507			-		-		22,003


Total Increase (Decrease) in Net Assets		4,211			-		-		(35,629)


Net Assets as of December 31, 2022:	$	56,861		$	-	$	-	$	206,746


Investment Income:
Reinvested Dividends		1,197			-		-		3,930
Investment Expense:
Mortality and Expense Risk and Administrative Charges		444			-		-		1,357

Net Investment Income (Loss)		753			-		-		2,573

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-			-		-		3,203
Realized Gain (Loss) on Investments		(397	)		-		-		(2,228)

Net Realized Capital Gains (Losses) on Investments		(397	)		-		-		975
Net Change in Unrealized Appreciation (Depreciation)		6,240			-		-		37,657

Net Gain (Loss) on Investment		5,843			-		-		38,632

Net Increase (Decrease) in Net Assets Resulting from Operations		6,596			-		-		41,205


Increase (Decrease) in Net Assets from Contract Transactions		(700	)		-		-		2,717


Total Increase (Decrease) in Net Assets		5,896			-		-		43,922


Net Assets as of December 31, 2023:	$	62,757		$	-	$	-	$	250,668

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA JPMorgan Asset Allocation - Moderate Initial Class Subaccount			TA JPMorgan Asset Allocation - Moderate Growth Initial Class Subaccount		TA JPMorgan Enhanced Index Initial Class Subaccount			TA Multi-Managed Balanced Initial Class Subaccount

Net Assets as of December 31, 2021:	$	530,715		$	-	$	18,681		$	287,757


Investment Income:
Reinvested Dividends		24,824			-		110			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		2,600			-		89			759

Net Investment Income (Loss)		22,224			-		21			(759)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		45,883			-		1,931			-
Realized Gain (Loss) on Investments		144			-		39			33,797

Net Realized Capital Gains (Losses) on Investments		46,027			-		1,970			33,797
Net Change in Unrealized Appreciation (Depreciation)		(155,942	)		-		(5,502	)		(76,106)

Net Gain (Loss) on Investment		(109,915	)		-		(3,532	)		(42,309)

Net Increase (Decrease) in Net Assets Resulting from Operations		(87,691	)		-		(3,511	)		(43,068)


Increase (Decrease) in Net Assets from Contract Transactions		(1,872	)		-		-			(244,689)


Total Increase (Decrease) in Net Assets		(89,563	)		-		(3,511	)		(287,757)


Net Assets as of December 31, 2022:	$	441,152		$	-	$	15,170		$	-


Investment Income:
Reinvested Dividends		9,006			-		141			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		2,416			-		94			-

Net Investment Income (Loss)		6,590			-		47			-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		3,252			-		811			-
Realized Gain (Loss) on Investments		(6,983	)		-		40			-

Net Realized Capital Gains (Losses) on Investments		(3,731	)		-		851			-
Net Change in Unrealized Appreciation (Depreciation)		33,128			-		3,192			-

Net Gain (Loss) on Investment		29,397			-		4,043			-

Net Increase (Decrease) in Net Assets Resulting from Operations		35,987			-		4,090			-


Increase (Decrease) in Net Assets from Contract Transactions		(25,999	)		-		1			-


Total Increase (Decrease) in Net Assets		9,988			-		4,091			-


Net Assets as of December 31, 2023:	$	451,140		$	-	$	19,261		$	-

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA S&P 500 Index Initial Class Subaccount⁽¹⁾		TA Small/Mid Cap Value Initial Class Subaccount			TA T. Rowe Price Small Cap Initial Class Subaccount			TA TS&W International Equity Initial Class Subaccount

Net Assets as of December 31, 2021:	$	-	$	25,851		$	33,550		$	-


Investment Income:
Reinvested Dividends		-		112			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		156			153			-

Net Investment Income (Loss)		-		(44	)		(153	)		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		2,890			6,759			-
Realized Gain (Loss) on Investments		-		11			(2,467	)		-

Net Realized Capital Gains (Losses) on Investments		-		2,901			4,292			-
Net Change in Unrealized Appreciation (Depreciation)		-		(4,906	)		(11,682	)		-

Net Gain (Loss) on Investment		-		(2,005	)		(7,390	)		-

Net Increase (Decrease) in Net Assets Resulting from Operations		-		(2,049	)		(7,543	)		-


Increase (Decrease) in Net Assets from Contract Transactions		-		8,778			2,581			-


Total Increase (Decrease) in Net Assets		-		6,729			(4,962	)		-


Net Assets as of December 31, 2022:	$	-	$	32,580		$	28,588		$	-


Investment Income:
Reinvested Dividends		-		352			-			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		-		253			215			-

Net Investment Income (Loss)		-		99			(215	)		-

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-		3,238			1,248			-
Realized Gain (Loss) on Investments		-		(186	)		(467	)		-

Net Realized Capital Gains (Losses) on Investments		-		3,052			781			-
Net Change in Unrealized Appreciation (Depreciation)		-		709			5,326			-

Net Gain (Loss) on Investment		-		3,761			6,107			-

Net Increase (Decrease) in Net Assets Resulting from Operations		-		3,860			5,892			-


Increase (Decrease) in Net Assets from Contract Transactions		-		1,711			943			-


Total Increase (Decrease) in Net Assets		-		5,571			6,835			-


Net Assets as of December 31, 2023:	$	-	$	38,151		$	35,423		$	-

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	TA WMC US Growth Initial Class Subaccount			Vanguard^® Equity Index Subaccount			Vanguard^® International Subaccount			Vanguard^® Mid-Cap Index Subaccount

Net Assets as of December 31, 2021:	$	615,604		$	2,525,371		$	932,448		$	950,826


Investment Income:
Reinvested Dividends		-			28,992			10,177			9,266
Investment Expense:
Mortality and Expense Risk and Administrative Charges		3,274			13,959			5,172			5,231

Net Investment Income (Loss)		(3,274	)		15,033			5,005			4,035

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		97,684			96,942			150,867			87,906
Realized Gain (Loss) on Investments		(13,721	)		60,847			2,944			695

Net Realized Capital Gains (Losses) on Investments		83,963			157,789			153,811			88,601
Net Change in Unrealized Appreciation (Depreciation)		(289,097	)		(640,524	)		(461,056	)		(277,497)

Net Gain (Loss) on Investment		(205,134	)		(482,735	)		(307,245	)		(188,896)

Net Increase (Decrease) in Net Assets Resulting from Operations		(208,408	)		(467,702	)		(302,240	)		(184,861)


Increase (Decrease) in Net Assets from Contract Transactions		62,751			(38,721	)		171,918			17,330


Total Increase (Decrease) in Net Assets		(145,657	)		(506,423	)		(130,322	)		(167,531)


Net Assets as of December 31, 2022:	$	469,947		$	2,018,948		$	802,126		$	783,295


Investment Income:
Reinvested Dividends		199			31,612			12,534			11,581
Investment Expense:
Mortality and Expense Risk and Administrative Charges		3,098			14,035			5,305			5,172

Net Investment Income (Loss)		(2,899	)		17,577			7,229			6,409

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		13,999			70,013			27,026			14,533
Realized Gain (Loss) on Investments		(2,537	)		87,165			(3,566	)		(1,165)

Net Realized Capital Gains (Losses) on Investments		11,462			157,178			23,460			13,368
Net Change in Unrealized Appreciation (Depreciation)		168,687			313,578			82,041			99,143

Net Gain (Loss) on Investment		180,149			470,756			105,501			112,511

Net Increase (Decrease) in Net Assets Resulting from Operations		177,250			488,333			112,730			118,920


Increase (Decrease) in Net Assets from Contract Transactions		(107,062	)		(193,436	)		(35,940	)		(12,036)


Total Increase (Decrease) in Net Assets		70,188			294,897			76,790			106,884


Net Assets as of December 31, 2023:	$	540,135		$	2,313,845		$	878,916		$	890,179

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Vanguard^® Real Estate Index Subaccount			Vanguard^® Short-Term Investment Grade Subaccount			Vanguard^® Total Bond Market Index Subaccount			Wanger Acorn Subaccount

Net Assets as of December 31, 2021:	$	429,475		$	1,284,215		$	2,426,444		$	53,388


Investment Income:
Reinvested Dividends		6,798			19,595			44,667			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		2,105			6,765			12,496			230

Net Investment Income (Loss)		4,693			12,830			32,171			(230)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		15,355			9,353			15,850			15,751
Realized Gain (Loss) on Investments		(4,611	)		(22,664	)		(16,819	)		(29,544)

Net Realized Capital Gains (Losses) on Investments		10,744			(13,311	)		(969	)		(13,793)
Net Change in Unrealized Appreciation (Depreciation)		(130,714	)		(81,432	)		(361,795	)		(4,221)

Net Gain (Loss) on Investment		(119,970	)		(94,743	)		(362,764	)		(18,014)

Net Increase (Decrease) in Net Assets Resulting from Operations		(115,277	)		(81,913	)		(330,593	)		(18,244)


Increase (Decrease) in Net Assets from Contract Transactions		(12,437	)		(292,238	)		(61,950	)		(20,041)


Total Increase (Decrease) in Net Assets		(127,714	)		(374,151	)		(392,543	)		(38,285)


Net Assets as of December 31, 2022:	$	301,761		$	910,064		$	2,033,901		$	15,103


Investment Income:
Reinvested Dividends		7,415			19,781			51,054			-
Investment Expense:
Mortality and Expense Risk and Administrative Charges		1,831			5,746			11,980			97

Net Investment Income (Loss)		5,584			14,035			39,074			(97)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		13,988			-			-			-
Realized Gain (Loss) on Investments		(2,567	)		(5,121	)		(14,317	)		(173)

Net Realized Capital Gains (Losses) on Investments		11,421			(5,121	)		(14,317	)		(173)
Net Change in Unrealized Appreciation (Depreciation)		19,107			41,036			76,377			3,398

Net Gain (Loss) on Investment		30,528			35,915			62,060			3,225

Net Increase (Decrease) in Net Assets Resulting from Operations		36,112			49,950			101,134			3,128


Increase (Decrease) in Net Assets from Contract Transactions		8,829			(10,166	)		11,310			(516)


Total Increase (Decrease) in Net Assets		44,941			39,784			112,444			2,612


Net Assets as of December 31, 2023:	$	346,702		$	949,848		$	2,146,345		$	17,715

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Statements of Operations and Changes in Net Assets

Years Ended December 31, 2023 and 2022


	Wanger International Subaccount

Net Assets as of December 31, 2021:	$	3,383


Investment Income:
Reinvested Dividends		29
Investment Expense:
Mortality and Expense Risk and Administrative Charges		16

Net Investment Income (Loss)		13

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		573
Realized Gain (Loss) on Investments		(82)

Net Realized Capital Gains (Losses) on Investments		491
Net Change in Unrealized Appreciation (Depreciation)		(1,682)

Net Gain (Loss) on Investment		(1,191)

Net Increase (Decrease) in Net Assets Resulting from Operations		(1,178)


Increase (Decrease) in Net Assets from Contract Transactions		1,097


Total Increase (Decrease) in Net Assets		(81)


Net Assets as of December 31, 2022:	$	3,302


Investment Income:
Reinvested Dividends		11
Investment Expense:
Mortality and Expense Risk and Administrative Charges		18

Net Investment Income (Loss)		(7)

Increase (Decrease) in Net Assets from Operations:
Capital Gain Distributions		-
Realized Gain (Loss) on Investments		(289)

Net Realized Capital Gains (Losses) on Investments		(289)
Net Change in Unrealized Appreciation (Depreciation)		854

Net Gain (Loss) on Investment		565

Net Increase (Decrease) in Net Assets Resulting from Operations		558


Increase (Decrease) in Net Assets from Contract Transactions		(278)


Total Increase (Decrease) in Net Assets		280


Net Assets as of December 31, 2023:	$	3,582

See Accompanying Notes.

⁽¹⁾ See Footnote 1

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

1. Organization

TFLIC Separate Account VNY (the Separate Account) is a segregated investment account of Transamerica Financial Life Insurance Company (TFLIC), an indirect wholly owned subsidiary of Aegon N.V., a holding company organized under the laws of the Netherlands.

The Separate Account is registered with the Securities and Exchange Commission as a Unit Investment Trust pursuant to provisions of the Investment Company Act of 1940. TFLIC and the Separate Account are regulated by the Securities and Exchange Commission. The assets and liabilities of the Separate Account are clearly identified and distinguished from TFLIC’s other assets and liabilities. The Separate Account consists of multiple investment subaccounts. Each subaccount invests exclusively in the corresponding portfolio of a Mutual Fund. Each Mutual Fund is registered as an open-end management investment company under the Investment Company Act of 1940, as amended. Activity in these specified investment subaccounts is available to contract owners of the Advisor’s Edge^® NY Variable Annuity.


Subaccount Investment by Mutual Fund:

Subaccount		Mutual Fund
AB Variable Products Series Fund, Inc.		AB Variable Products Series Fund, Inc.
AB Large Cap Growth Class B Shares		AB Large Cap Growth Portfolio Class B Shares
AB Sustainable Global Thematic Growth Class B Shares		AB Sustainable Global Thematic Growth Class B Shares
BNY Mellon Funds		BNY Mellon Funds
BNY Mellon Sustainable U.S. Equity Service Shares		BNY Mellon Sustainable U.S. Equity Portfolio Service Shares
BNY Mellon VIF Appreciation Service Shares		BNY Mellon VIF Appreciation Portfolio Service Shares
Columbia Funds Variable Insurance Trust		Columbia Funds Variable Insurance Trust
Columbia - Small Company Growth Class 1 Shares		Columbia - Small Company Growth Portfolio Class 1 Shares
DFA Investment Dimensions Group, Inc.		DFA Investment Dimensions Group, Inc.
DFA VA Global Bond		DFA VA Global Bond Portfolio
DFA VA International Small		DFA VA International Small Portfolio
DFA VA International Value		DFA VA International Value Portfolio
DFA VA Short-Term Fixed		DFA VA Short-Term Fixed Portfolio
DFA VA U.S. Large Value		DFA VA U.S. Large Value Portfolio
DFA VA U.S. Targeted Value		DFA VA U.S. Targeted Value Portfolio
Federated Insurance Series		Federated Insurance Series
Federated Hermes Fund for U.S. Government Securities II		Federated Hermes Fund for U.S. Government Securities II
Federated Hermes Government Money II Service Shares		Federated Hermes Government Money Fund II Service Shares
Federated Hermes High Income Bond II Primary Shares		Federated Hermes High Income Bond Fund II Primary Shares
Federated Hermes Managed Volatility II Primary Shares		Federated Hermes Managed Volatility Fund II Primary Shares
Fidelity^® Variable Insurance Products Fund		Fidelity^® Variable Insurance Products Fund
Fidelity^® VIP Contrafund^® Initial Class		Fidelity^® VIP Contrafund^® Initial Class
Fidelity^® VIP Mid Cap Initial Class		Fidelity^® VIP Mid Cap Initial Class
Fidelity^® VIP Value Strategies Initial Class		Fidelity^® VIP Value Strategies Initial Class
Nationwide Variable Insurance Trust		Nationwide Variable Insurance Trust
NVIT Emerging Markets Class D Shares		NVIT Emerging Markets Class D Shares
Transamerica Series Trust		Transamerica Series Trust
TA Aegon Bond Initial Class		Transamerica Aegon Bond VP Initial Class
TA Aegon Sustainable Equity Income Initial Class		Transamerica Aegon Sustainable Equity Income VP Initial Class
TA BlackRock Real Estate Securities Initial Class		Transamerica BlackRock Real Estate Securities VP Initial Class
TA Goldman Sachs Managed Risk - Balanced ETF Initial Class		Transamerica Goldman Sachs Managed Risk - Balanced ETF VP Initial Class

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

1. Organization (continued)

Subaccount Investment by Mutual Fund:


Subaccount		Mutual Fund
Transamerica Series Trust		Transamerica Series Trust
TA Goldman Sachs Managed Risk - Growth ETF Initial Class		Transamerica Goldman Sachs Managed Risk - Growth ETF VP Initial Class
TA International Focus Initial Class		Transamerica International Focus VP Initial Class
TA Janus Mid-Cap Growth Initial Class		Transamerica Janus Mid-Cap Growth VP Initial Class
TA JPMorgan Asset Allocation - Conservative Initial Class		Transamerica JPMorgan Asset Allocation - Conservative VP Initial Class
TA JPMorgan Asset Allocation - Growth Initial Class		Transamerica JPMorgan Asset Allocation - Growth VP Initial Class
TA JPMorgan Asset Allocation - Moderate Initial Class		Transamerica JPMorgan Asset Allocation - Moderate VP Initial Class
TA JPMorgan Asset Allocation - Moderate Growth Initial Class		Transamerica JPMorgan Asset Allocation - Moderate Growth VP Initial Class
TA JPMorgan Enhanced Index Initial Class		Transamerica JPMorgan Enhanced Index VP Initial Class
TA Multi-Managed Balanced Initial Class		Transamerica Multi-Managed Balanced VP Initial Class
TA S&P 500 Index Initial Class		Transamerica S&P 500 Index VP Initial Class
TA Small/Mid Cap Value Initial Class		Transamerica Small/Mid Cap Value VP Initial Class
TA T. Rowe Price Small Cap Initial Class		Transamerica T. Rowe Price Small Cap VP Initial Class
TA TS&W International Equity Initial Class		Transamerica TS&W International Equity VP Initial Class
TA WMC US Growth Initial Class		Transamerica WMC US Growth VP Initial Class
Vanguard^® Variable Insurance Fund		Vanguard^® Variable Insurance Fund
Vanguard^® Equity Index		Vanguard^® Equity Index Portfolio
Vanguard^® International		Vanguard^® International Portfolio
Vanguard^® Mid-Cap Index		Vanguard^® Mid-Cap Index Portfolio
Vanguard^® Real Estate Index		Vanguard^® Real Estate Index Portfolio
Vanguard^® Short-Term Investment Grade		Vanguard^® Short-Term Investment Grade Portfolio
Vanguard^® Total Bond Market Index		Vanguard^® Total Bond Market Index Portfolio
Wanger Advisors Trust		Wanger Advisors Trust
Wanger Acorn		Wanger Acorn
Wanger International		Wanger International

Each period reported on reflects a full twelve month period except as follows:


Subaccount		Inception Date
TA S&P 500 Index Initial Class		May 2, 2022

The following subaccount name changes were made effective during the fiscal year ended December 31, 2023:


Subaccount		Formerly
TA BlackRock Real Estate Securities Initial Class		TA BlackRock Global Real Estate Securities Initial Class

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

1. Organization (continued)

During the current year the following subaccounts were removed as available investment options to contract owners and subsequently replaced and reinvested:


Reinvested Subaccount		Removed Subaccount
TA WMC US Growth Initial Class		TA Morgan Stanley Capital Initial Service Class

The transfers from the removed and liquidated subaccounts to the reinvested subaccounts for the period ended December 31, 2023 are reflected in the Statements of Changes in Net Assets within Increase (Decrease) in Net Assets from Contract Transactions and purchases and sales in Footnote 3.

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

2. Summary of Significant Accounting Policies

The financial statements included herein have been prepared in accordance with U.S. generally accepted accounting principles (GAAP) for variable annuity separate accounts registered as unit investment trusts. The preparation of the financial statements in conformity with GAAP requires management to make estimates and assumptions regarding matters that affect the reported amount of assets and liabilities. Actual results could differ from those estimates.

Investments

Net purchase payments received by the Separate Account are invested in the portfolios of the Mutual Funds as selected by the contract owner. Investments are stated at the closing net asset values per share on December 31, 2023.

Realized capital gains and losses from sales of shares in the Separate Account are determined on the first-in, first-out basis. Investment transactions are accounted for on the trade date (date the order to buy or sell is executed) and dividend income is recorded on the ex-dividend date. Unrealized gains or losses from investments in the Mutual Funds are included in the Statements of Operations and Changes in Net Assets.

Dividend Income

Dividends received from the Mutual Fund investments are reinvested to purchase additional mutual fund shares.

Fair Value Measurements and Fair Value Hierarchy

The Accounting Standards Codification^™ (ASC) 820 defines fair value, establishes a framework for measuring fair value, establishes a fair value hierarchy based on the nature of inputs used to measure fair value and enhances disclosure requirements for fair value measurements.

The Separate Account has categorized its financial instruments into a three level hierarchy which is based on the priority of the inputs to the valuation technique. The fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3). If the inputs used to measure fair value fall within different levels of the hierarchy, the category level is based on the lowest priority level input that is significant to the fair value measurement of the instrument.

Financial assets and liabilities recorded at fair value on the Statements of Assets and Liabilities are categorized as follows:

Level 1. Unadjusted quoted prices for identical assets or liabilities in an active market.

Level 2. Quoted prices in markets that are not active or inputs that are observable either directly or indirectly for substantially the full term of the asset or liability. Level 2 inputs include the following:

a) Quoted prices for similar assets or liabilities in active markets

b) Quoted prices for identical or similar assets or liabilities in non-active markets

c) Inputs other than quoted market prices that are observable

d) Inputs that are derived principally from or corroborated by observable market data through correlation or other means.

Level 3. Prices or valuation techniques that require inputs that are both unobservable and significant to the overall fair value measurement. They reflect management’s own assumptions about the assumptions a market participant would use in pricing the asset or liability.

All investments in the Mutual Funds included in the Statements of Assets and Liabilities are stated at fair value and are based upon published closing NAV per share and therefore are considered Level 1.

There were no transfers between Level 1, Level 2 and Level 3 during the year ended December 31, 2023.

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

3. Investments

The aggregate cost of purchases and proceeds from sales of investments for the period ended December 31, 2023 were as follows:


Subaccount	Purchases		Sales

AB Large Cap Growth Class B Shares	$	-	$	-

AB Sustainable Global Thematic Growth Class B Shares		-		-

BNY Mellon Sustainable U.S. Equity Service Shares		-		-

BNY Mellon VIF Appreciation Service Shares		-		-

Columbia - Small Company Growth Class 1 Shares		-		-

DFA VA Global Bond		89,779		69,102

DFA VA International Small		30,284		41,382

DFA VA International Value		70,678		106,875

DFA VA Short-Term Fixed		79,055		71,941

DFA VA U.S. Large Value		172,413		160,094

DFA VA U.S. Targeted Value		147,798		73,057

Federated Hermes Fund for U.S. Government Securities II		713		156

Federated Hermes Government Money II Service Shares		21,871		38,749

Federated Hermes High Income Bond II Primary Shares		34,601		19,408

Federated Hermes Managed Volatility II Primary Shares		-		-

Fidelity^® VIP Contrafund^® Initial Class		782		104

Fidelity^® VIP Mid Cap Initial Class		13,561		1,898

Fidelity^® VIP Value Strategies Initial Class		8,873		2,689

NVIT Emerging Markets Class D Shares		-		20

TA Aegon Bond Initial Class		6,288		1,260

TA Aegon Sustainable Equity Income Initial Class		-		-

TA BlackRock Real Estate Securities Initial Class		195		100

TA Goldman Sachs Managed Risk - Balanced ETF Initial Class		29,197		1,864

TA Goldman Sachs Managed Risk - Growth ETF Initial Class		-		-

TA International Focus Initial Class		1,376		1,323

TA Janus Mid-Cap Growth Initial Class		-		-

TA JPMorgan Asset Allocation - Conservative Initial Class		-		-

TA JPMorgan Asset Allocation - Growth Initial Class		14,919		6,426

TA JPMorgan Asset Allocation - Moderate Initial Class		12,258		28,414

TA JPMorgan Asset Allocation - Moderate Growth Initial Class		-		-

TA JPMorgan Enhanced Index Initial Class		953		94

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

3. Investments (continued)


Subaccount	Purchases		Sales
TA Multi-Managed Balanced Initial Class	$	-	$	-
TA S&P 500 Index Initial Class		-		-
TA Small/Mid Cap Value Initial Class		5,780		732
TA T. Rowe Price Small Cap Initial Class		2,504		529
TA TS&W International Equity Initial Class		-		-
TA WMC US Growth Initial Class		20,629		116,594
Vanguard^® Equity Index		117,931		223,778
Vanguard^® International		101,296		102,982
Vanguard^® Mid-Cap Index		69,074		60,167
Vanguard^® Real Estate Index		52,474		24,074
Vanguard^® Short-Term Investment Grade		88,975		85,100
Vanguard^® Total Bond Market Index		138,222		87,839
Wanger Acorn		-		611
Wanger International		339		625

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

4. Change in Units

The change in units outstanding were as follows:


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)			Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)
AB Large Cap Growth Class B Shares		-		-			-			-		-			-
AB Sustainable Global Thematic Growth Class B Shares		-		-			-			-		-			-
BNY Mellon Sustainable U.S. Equity Service Shares		-		-			-			-		-			-
BNY Mellon VIF Appreciation Service Shares		-		-			-			-		-			-
Columbia - Small Company Growth Class 1 Shares		-		-			-			-		-			-
DFA VA Global Bond		36,449		(45,812	)		(9,363	)		22,127		(679,187	)		(657,060	)
DFA VA International Small		7,120		(18,052	)		(10,932	)		26,432		(31,376	)		(4,944	)
DFA VA International Value		8,755		(60,253	)		(51,498	)		67,965		(130,517	)		(62,552	)
DFA VA Short-Term Fixed		44,954		(58,572	)		(13,618	)		418,929		(530,284	)		(111,355	)
DFA VA U.S. Large Value		30,734		(47,782	)		(17,048	)		28,464		(124,377	)		(95,913	)
DFA VA U.S. Targeted Value		21,128		(21,949	)		(821	)		4,116		(55,342	)		(51,226	)
Federated Hermes Fund for U.S. Government Securities II		-		-			-			-		(38,892	)		(38,892	)
Federated Hermes Government Money II Service Shares		-		(33,275	)		(33,275	)		426,045		(34,061	)		391,984
Federated Hermes High Income Bond II Primary Shares		9,121		(7,610	)		1,511			351		(8,766	)		(8,415	)
Federated Hermes Managed Volatility II Primary Shares		-		-			-			-		-			-
Fidelity^® VIP Contrafund^® Initial Class		-		-			-			-		-			-
Fidelity^® VIP Mid Cap Initial Class		2,626		(309	)		2,317			797		(1,020	)		(223	)
Fidelity^® VIP Value Strategies Initial Class		1,450		(649	)		801			-		(1,793	)		(1,793	)
NVIT Emerging Markets Class D Shares		-		(2	)		(2	)		-		(12	)		(12	)
TA Aegon Bond Initial Class		3,783		(534	)		3,249			5,037		(110,373	)		(105,336	)
TA Aegon Sustainable Equity Income Initial Class		-		-			-			-		-			-
TA BlackRock Real Estate Securities Initial Class		-		(50	)		(50	)		-		(13,759	)		(13,759	)
TA Goldman Sachs Managed Risk - Balanced ETF Initial Class		-		-			-			-		-			-
TA Goldman Sachs Managed Risk - Growth ETF Initial Class		-		-			-			-		-			-
TA International Focus Initial Class		92		(456	)		(364	)		8,614		(508	)		8,106
TA Janus Mid-Cap Growth Initial Class		-		-			-			-		-			-
TA JPMorgan Asset Allocation - Conservative Initial Class		-		-			-			-		-			-

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

4. Change in Units (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)			Units Purchased		Units Redeemed and Transferred to/from			Net Increase (Decrease)
TA JPMorgan Asset Allocation - Growth Initial Class		3,347		(2,118	)		1,229			8,867		1			8,868
TA JPMorgan Asset Allocation - Moderate Initial Class		-		(13,227	)		(13,227	)		-		(920	)		(920	)
TA JPMorgan Asset Allocation - Moderate Growth Initial Class		-		-			-			-		-			-
TA JPMorgan Enhanced Index Initial Class		-		-			-			-		-			-
TA Multi-Managed Balanced Initial Class		-		-			-			-		(89,876	)		(89,876	)
TA S&P 500 Index Initial Class		-		-			-			-		-			-
TA Small/Mid Cap Value Initial Class		700		(158	)		542			4,882		(1,848	)		3,034
TA T. Rowe Price Small Cap Initial Class		311		(81	)		230			2,630		(1,884	)		746
TA TS&W International Equity Initial Class		-		-			-			-		-			-
TA WMC US Growth Initial Class		1,898		(28,515	)		(26,617	)		39,508		(24,305	)		15,203
Vanguard^® Equity Index		4,325		(50,327	)		(46,002	)		24,842		(33,636	)		(8,794	)
Vanguard^® International		30,686		(46,408	)		(15,722	)		104,840		(24,309	)		80,531
Vanguard^® Mid-Cap Index		12,683		(15,450	)		(2,767	)		17,695		(12,935	)		4,760
Vanguard^® Real Estate Index		14,031		(9,521	)		4,510			18,614		(24,166	)		(5,552	)
Vanguard^® Short-Term Investment Grade		48,834		(55,483	)		(6,649	)		18,454		(223,594	)		(205,140	)
Vanguard^® Total Bond Market Index		59,664		(52,199	)		7,465			52,259		(92,791	)		(40,532	)
Wanger Acorn		-		(175	)		(175	)		2,154		(9,779	)		(7,625	)
Wanger International		156		(263	)		(107	)		571		(54	)		517

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

4. Change in Unit Dollars (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)			Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)
AB Large Cap Growth Class B Shares	$	-	$	-		$	-		$	-	$	-		$	-
AB Sustainable Global Thematic Growth Class B Shares		-		-			-			-		-			-
BNY Mellon Sustainable U.S. Equity Service Shares		-		-			-			-		-			-
BNY Mellon VIF Appreciation Service Shares		-		-			-			-		-			-
Columbia - Small Company Growth Class 1 Shares		-		(1	)		(1	)		-		1			1
DFA VA Global Bond		49,986		(63,456	)		(13,470	)		30,226		(932,612	)		(902,386	)
DFA VA International Small		15,191		(38,931	)		(23,740	)		52,315		(61,350	)		(9,035	)
DFA VA International Value		14,960		(101,215	)		(86,255	)		98,896		(203,152	)		(104,256	)
DFA VA Short-Term Fixed		51,797		(68,358	)		(16,561	)		481,703		(604,669	)		(122,966	)
DFA VA U.S. Large Value		94,703		(149,364	)		(54,661	)		84,864		(390,199	)		(305,335	)
DFA VA U.S. Targeted Value		59,818		(67,391	)		(7,573	)		11,447		(161,312	)		(149,865	)
Federated Hermes Fund for U.S. Government Securities II		-		-			-			-		(48,581	)		(48,581	)
Federated Hermes Government Money II Service Shares		-		(36,030	)		(36,030	)		454,895		(35,998	)		418,897
Federated Hermes High Income Bond II Primary Shares		21,300		(17,772	)		3,528			812		(20,642	)		(19,830	)
Federated Hermes Managed Volatility II Primary Shares		-		-			-			-		-			-
Fidelity^® VIP Contrafund^® Initial Class		-		2			2			-		(5	)		(5	)
Fidelity^® VIP Mid Cap Initial Class		8,508		(1,047	)		7,461			2,818		(3,034	)		(216	)
Fidelity^® VIP Value Strategies Initial Class		4,664		(2,216	)		2,448			-		(5,704	)		(5,704	)
NVIT Emerging Markets Class D Shares		-		(20	)		(20	)		-		(123	)		(123	)
TA Aegon Bond Initial Class		5,721		(808	)		4,913			8,252		(169,067	)		(160,815	)
TA Aegon Sustainable Equity Income Initial Class		-		-			-			-		-			-
TA BlackRock Real Estate Securities Initial Class		-		(81	)		(81	)		-		(20,402	)		(20,402	)
TA Goldman Sachs Managed Risk - Balanced ETF Initial Class		-		1			1			-		2			2
TA Goldman Sachs Managed Risk - Growth ETF Initial Class		-		-			-			-		-			-
TA International Focus Initial Class		181		(881	)		(700	)		16,475		(968	)		15,507
TA Janus Mid-Cap Growth Initial Class		-		-			-			-		-			-
TA JPMorgan Asset Allocation - Conservative Initial Class		-		-			-			-		-			-
TA JPMorgan Asset Allocation - Growth Initial Class		7,806		(5,089	)		2,717			22,004		(1	)		22,003

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

4. Change in Unit Dollars (continued)


	Year Ended December 31, 2023								Year Ended December 31, 2022
Subaccount	Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)			Units Purchased in Dollars		Units Redeemed and Transferred to/from in Dollars			Dollar Net Increase (Decrease)

TA JPMorgan Asset Allocation - Moderate Initial Class	$	-	$	(25,999	)	$	(25,999	)	$	-	$	(1,872	)	$	(1,872	)

TA JPMorgan Asset Allocation - Moderate Growth Initial Class		-		-			-			-		-			-

TA JPMorgan Enhanced Index Initial Class		-		1			1			-		-			-

TA Multi-Managed Balanced Initial Class		-		-			-			-		(244,689	)		(244,689	)

TA S&P 500 Index Initial Class		-		-			-			-		-			-

TA Small/Mid Cap Value Initial Class		2,190		(479	)		1,711			14,597		(5,819	)		8,778

TA T. Rowe Price Small Cap Initial Class		1,257		(314	)		943			9,588		(7,007	)		2,581

TA TS&W International Equity Initial Class		-		-			-			-		-			-

TA WMC US Growth Initial Class		6,579		(113,641	)		(107,062	)		144,843		(82,092	)		62,751

Vanguard^® Equity Index		16,937		(210,373	)		(193,436	)		95,787		(134,508	)		(38,721	)

Vanguard^® International		62,242		(98,182	)		(35,940	)		221,113		(49,195	)		171,918

Vanguard^® Mid-Cap Index		43,517		(55,553	)		(12,036	)		63,230		(45,900	)		17,330

Vanguard^® Real Estate Index		31,439		(22,610	)		8,829			45,423		(57,860	)		(12,437	)

Vanguard^® Short-Term Investment Grade		70,147		(80,313	)		(10,166	)		26,555		(318,793	)		(292,238	)

Vanguard^® Total Bond Market Index		89,175		(77,865	)		11,310			79,661		(141,611	)		(61,950	)

Wanger Acorn		-		(516	)		(516	)		5,616		(25,657	)		(20,041	)

Wanger International		328		(606	)		(278	)		1,202		(105	)		1,097

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

5. Financial Highlights

The Separate Account offers various death benefit options, which have differing fees that are charged against the contract owner’s account balance. These charges are discussed in more detail in the individual’s policy. Differences in the fee structures for these units result in different unit values, expense ratios, and total returns.


		At December 31									For the Year Ended December 31

Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**


AB Large Cap Growth Class B Shares
	12/31/2023		-	$	5.42	to	$	26.30	$	-		-	%		0.55	%	to	1.80	%		34.05	%	to	32.41	%
	12/31/2022		-		4.05	to		19.86		-		-			0.55		to	1.80			(29.08	)	to	(29.95	)
	12/31/2021		-		5.70	to		28.35		-		-			0.55		to	1.80			27.95		to	26.38
	12/31/2020		-		4.46	to		22.43		-		-			0.55		to	1.80			34.41		to	32.76
	12/31/2019		-		3.32	to		16.90		-		-			0.55		to	1.80			33.63		to	31.99
AB Sustainable Global Thematic Growth Class B Shares
	12/31/2023		-		2.80	to		20.15		-		-			0.55		to	1.80			15.07		to	13.66
	12/31/2022		-		2.43	to		17.73		-		-			0.55		to	1.80			(27.57	)	to	(28.45	)
	12/31/2021		-		3.35	to		24.78		-		-			0.55		to	1.80			21.90		to	20.41
	12/31/2020		-		2.75	to		20.58		-		-			0.55		to	1.80			38.32		to	36.62
	12/31/2019		-		1.99	to		15.06		-		-			0.55		to	1.80			29.07		to	27.49
BNY Mellon Sustainable U.S. Equity Service Shares
	12/31/2023		-		4.17	to		19.11		-		-			0.55		to	1.80			22.83		to	21.33
	12/31/2022		-		3.39	to		15.75		-		-			0.55		to	1.80			(23.48	)	to	(24.42	)
	12/31/2021		-		4.44	to		20.84		-		-			0.55		to	1.80			25.99		to	24.44
	12/31/2020		-		3.52	to		16.75		-		-			0.55		to	1.80			23.18		to	21.67
	12/31/2019		-		2.86	to		13.77		-		-			0.55		to	1.80			33.28		to	31.64
BNY Mellon VIF Appreciation Service Shares
	12/31/2023		-		4.47	to		21.63		-		-			0.55		to	1.80			20.01		to	18.54
	12/31/2022		-		3.72	to		18.25		-		-			0.55		to	1.80			(18.70	)	to	(19.70	)
	12/31/2021		-		4.58	to		22.72		-		-			0.55		to	1.80			26.08		to	24.53
	12/31/2020		-		3.63	to		18.25		-		-			0.55		to	1.80			22.71		to	21.20
	12/31/2019		-		2.96	to		15.06		-		-			0.55		to	1.80			35.04		to	33.38
Columbia - Small Company Growth Class 1 Shares
	12/31/2023		-		4.04	to		21.12		-		-			0.55		to	1.80			25.94		to	24.40
	12/31/2022		-		3.21	to		16.98		-		-			0.55		to	1.80			(36.12	)	to	(36.90	)
	12/31/2021		-		5.02	to		26.91		-		-			0.55		to	1.80			(3.43	)	to	(4.62	)
	12/31/2020		12,475		5.20	to		28.21		62,972		-			0.55		to	1.80			70.19		to	68.10
	12/31/2019		12,664		3.06	to		16.78		37,636		-			0.55		to	1.80			39.93		to	38.21
DFA VA Global Bond
	12/31/2023		747,403		1.42	to		9.47		1,045,170		3.91			0.55		to	1.80			4.48		to	3.20
	12/31/2022		756,766		1.36	to		9.18		1,013,959		1.13			0.55		to	1.80			(6.85	)	to	(7.99	)
	12/31/2021		1,413,826		1.46	to		9.97		2,047,692		0.73			0.55		to	1.80			(1.58	)	to	(2.79	)
	12/31/2020		1,461,772		1.48	to		10.26		2,153,015		0.03			0.55		to	1.80			0.91		to	(0.34	)
	12/31/2019		1,543,266		1.47	to		10.29		2,252,816		2.52			0.55		to	1.80			3.62		to	2.34
DFA VA International Small
	12/31/2023		223,755		2.34	to		13.58		520,492		3.18			0.55		to	1.80			13.49		to	12.10
	12/31/2022		234,687		2.06	to		12.11		481,178		2.52			0.55		to	1.80			(18.09	)	to	(19.10	)
	12/31/2021		239,631		2.52	to		14.97		600,038		2.32			0.55		to	1.80			13.94		to	12.54
	12/31/2020		312,062		2.21	to		13.31		684,040		1.92			0.55		to	1.80			8.82		to	7.48
	12/31/2019		384,451		2.03	to		12.38		772,552		2.64			0.55		to	1.80			23.22		to	21.71
DFA VA International Value
	12/31/2023		563,064		1.86	to		14.03		1,034,193		4.74			0.55		to	1.80			17.22		to	15.78
	12/31/2022		614,562		1.59	to		12.11		963,923		3.86			0.55		to	1.80			(3.98	)	to	(5.16	)
	12/31/2021		677,114		1.65	to		12.77		1,107,184		3.49			0.55		to	1.80			17.47		to	16.03
	12/31/2020		829,694		1.41	to		11.01		1,154,417		2.64			0.55		to	1.80			(2.30	)	to	(3.50	)
	12/31/2019		768,005		1.44	to		11.41		1,094,938		3.50			0.55		to	1.80			15.23		to	13.81

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31								For the Year Ended December 31

Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio				Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

DFA VA Short-Term Fixed
	12/31/2023		628,845		$1.20	to	$9.68	$	746,894		3.73	%		0.55	%	to	1.80	%		4.41	%	to	3.13	%
	12/31/2022		642,463		1.15	to	9.39		731,254		0.89			0.55		to	1.80			(1.69	)	to	(2.90	)
	12/31/2021		753,818		1.17	to	9.67		873,119		0.01			0.55		to	1.80			(0.74	)	to	(1.95	)
	12/31/2020		747,786		1.18	to	9.86		872,872		0.60			0.55		to	1.80			0.04		to	(1.18	)
	12/31/2019		874,538		1.18	to	9.98		1,022,061		2.26			0.55		to	1.80			1.95		to	0.70
DFA VA U.S. Large Value
	12/31/2023		677,241		3.45	to	15.18		2,314,859		2.29			0.55		to	1.80			10.32		to	8.97
	12/31/2022		694,289		3.13	to	13.93		2,152,451		2.15			0.55		to	1.80			(5.40	)	to	(6.56	)
	12/31/2021		790,202		3.30	to	14.90		2,589,848		1.55			0.55		to	1.80			26.34		to	24.79
	12/31/2020		1,038,561		2.62	to	11.94		2,693,686		2.30			0.55		to	1.80			(1.91	)	to	(3.12	)
	12/31/2019		1,016,407		2.67	to	12.33		2,691,939		2.10			0.55		to	1.80			25.10		to	23.56
DFA VA U.S. Targeted Value
	12/31/2023		326,074		3.53	to	16.40		1,139,556		1.62			0.55		to	1.80			19.38		to	17.92
	12/31/2022		326,895		2.96	to	13.90		957,910		1.22			0.55		to	1.80			(4.74	)	to	(5.90	)
	12/31/2021		378,121		3.11	to	14.78		1,163,377		1.31			0.55		to	1.80			38.92		to	37.21
	12/31/2020		493,635		2.24	to	10.77		1,093,741		1.82			0.55		to	1.80			3.41		to	2.14
	12/31/2019		498,267		2.16	to	10.54		1,068,665		1.43			0.55		to	1.80			21.89		to	20.39
Federated Hermes Fund for U.S. Government Securities II
	12/31/2023		21,915		1.34	to	9.03		29,471		2.49			0.55		to	1.80			3.62		to	2.35
	12/31/2022		21,915		1.30	to	8.83		28,441		2.04			0.55		to	1.80			(13.03	)	to	(14.09	)
	12/31/2021		60,807		1.49	to	10.27		90,277		1.81			0.55		to	1.80			(2.58	)	to	(3.78	)
	12/31/2020		51,525		1.53	to	10.68		78,585		3.78			0.55		to	1.80			4.64		to	3.35
	12/31/2019		121,206		1.46	to	10.33		177,090		2.42			0.55		to	1.80			5.32		to	4.03
Federated Hermes Government Money II Service Shares
	12/31/2023		436,978		1.11	to	9.65		487,103		4.43			0.55		to	1.80			3.95		to	2.68
	12/31/2022		470,253		1.07	to	9.40		503,980		2.17			0.55		to	1.80			0.60		to	(0.63	)
	12/31/2021		78,269		1.07	to	9.46		82,773		-			0.55		to	1.80			(0.54	)	to	(1.77	)
	12/31/2020		202,921		1.07	to	9.63		215,870		0.22			0.55		to	1.80			(0.34	)	to	(1.57	)
	12/31/2019		555,240		1.08	to	9.78		593,331		1.63			0.55		to	1.80			1.09		to	(0.16	)
Federated Hermes High Income Bond II Primary Shares
	12/31/2023		97,633		2.58	to	11.56		243,082		5.80			0.55		to	1.80			12.10		to	10.73
	12/31/2022		96,122		2.30	to	10.44		213,903		5.57			0.55		to	1.80			(12.26	)	to	(13.34	)
	12/31/2021		104,537		2.62	to	12.04		265,619		4.68			0.55		to	1.80			4.27		to	2.99
	12/31/2020		86,681		2.51	to	11.69		211,672		6.39			0.55		to	1.80			5.01		to	3.72
	12/31/2019		92,431		2.39	to	11.27		216,105		5.94			0.55		to	1.80			13.92		to	12.52
Federated Hermes Managed Volatility II Primary Shares
	12/31/2023		-		2.67	to	12.77		-		-			0.55		to	1.80			8.09		to	6.77
	12/31/2022		-		2.47	to	11.96		-		-			0.55		to	1.80			(14.23	)	to	(15.28	)
	12/31/2021		-		2.88	to	14.12		-		-			0.55		to	1.80			17.86		to	16.42
	12/31/2020		-		2.44	to	12.13		-		-			0.55		to	1.80			0.38		to	(0.85	)
	12/31/2019		-		2.44	to	12.23		-		4.20			0.55		to	1.80			19.57		to	18.10
Fidelity^® VIP Contrafund^® Initial Class
	12/31/2023		4,779		4.54	to	21.48		21,686		0.51			0.55		to	1.80			32.72		to	31.10
	12/31/2022		4,779		3.42	to	16.39		16,339		0.52			0.55		to	1.80			(26.72	)	to	(27.61	)
	12/31/2021		4,779		4.66	to	22.64		22,295		0.08			0.55		to	1.80			27.14		to	25.58
	12/31/2020		61,355		3.67	to	18.03		219,160		0.29			0.55		to	1.80			29.85		to	28.26
	12/31/2019		46,674		2.83	to	14.05		129,769		0.46			0.55		to	1.80			30.86		to	29.25
Fidelity^® VIP Mid Cap Initial Class
	12/31/2023		44,647		3.66	to	16.18		162,014		0.62			0.55		to	1.80			14.45		to	13.05
	12/31/2022		42,330		3.20	to	14.31		134,281		0.50			0.55		to	1.80			(15.21	)	to	(16.25	)
	12/31/2021		42,553		3.77	to	17.09		159,283		0.62			0.55		to	1.80			24.92		to	23.38
	12/31/2020		40,796		3.02	to	13.85		122,308		0.65			0.55		to	1.80			17.54		to	16.10
	12/31/2019		43,952		2.57	to	11.93		112,157		0.87			0.55		to	1.80			22.77		to	21.27

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31								For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio				Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

Fidelity^® VIP Value Strategies Initial Class
	12/31/2023		24,047		$3.85	to	$18.83	$	91,785		1.21	%		0.55	%	to	1.80	%		20.19	%	to	18.72	%
	12/31/2022		23,246		3.20	to	15.86		73,861		1.09			0.55		to	1.80			(7.53	)	to	(8.67	)
	12/31/2021		25,039		3.47	to	17.37		86,084		1.55			0.55		to	1.80			32.87		to	31.24
	12/31/2020		27,559		2.61	to	13.23		71,345		1.31			0.55		to	1.80			7.67		to	6.34
	12/31/2019		26,299		2.42	to	12.44		63,267		1.67			0.55		to	1.80			33.79		to	32.15
NVIT Emerging Markets Class D Shares
	12/31/2023		2		10.95	to	10.31		24		1.14			0.55		to	1.80			3.24		to	1.97
	12/31/2022		4		10.61	to	10.11		42		0.18			0.55		to	1.80			(25.41	)	to	(26.32	)
	12/31/2021		16		14.22	to	13.72		227		0.92			0.55		to	1.80			(8.09	)	to	(9.22	)
	12/31/2020		18		15.48	to	15.11		281		1.59			0.55		to	1.80			12.30		to	10.92
	12/31/2019		21		13.78	to	13.63		284		2.09			0.55		to	1.80			21.91		to	20.41
TA Aegon Bond Initial Class
	12/31/2023		43,216		1.64	to	9.73		68,663		0.91			0.55		to	1.80			5.87		to	4.57
	12/31/2022		39,967		1.55	to	9.31		60,104		3.20			0.55		to	1.80			(15.30	)	to	(16.34	)
	12/31/2021		145,303		1.83	to	11.12		263,496		1.75			0.55		to	1.80			(1.42	)	to	(2.63	)
	12/31/2020		102,385		1.86	to	11.42		189,787		3.90			0.55		to	1.80			7.10		to	5.78
	12/31/2019		132,875		1.73	to	10.80		230,065		2.32			0.55		to	1.80			7.82		to	6.50
TA Aegon Sustainable Equity Income Initial Class
	12/31/2023		-		2.59	to	11.89		-		2.11			0.55		to	1.80			5.70		to	4.41
	12/31/2022		-		2.45	to	11.39		-		2.11			0.55		to	1.80			(12.11	)	to	(13.19	)
	12/31/2021		-		2.79	to	13.12		-		2.00			0.55		to	1.80			21.75		to	20.26
	12/31/2020		-		2.29	to	10.91		-		2.58			0.55		to	1.80			(7.86	)	to	(8.99	)
	12/31/2019		36,932		2.49	to	11.98		91,082		2.51			0.55		to	1.80			23.23		to	21.72
TA BlackRock Real Estate Securities Initial Class
	12/31/2023		2,006		1.78	to	11.49		3,547		6.00			0.55		to	1.80			12.71		to	11.33
	12/31/2022		2,056		1.58	to	10.32		3,227		3.94			0.55		to	1.80			(28.58	)	to	(29.46	)
	12/31/2021		15,815		2.22	to	14.63		34,782		2.47			0.55		to	1.80			25.53		to	23.99
	12/31/2020		16,688		1.77	to	11.80		29,251		10.63			0.55		to	1.80			(0.86	)	to	(2.08	)
	12/31/2019		24,413		1.78	to	12.05		43,293		0.91			0.55		to	1.80			24.51		to	22.98
TA Goldman Sachs Managed Risk - Balanced ETF Initial Class
	12/31/2023		198,735		1.83	to	12.42		364,585		1.75			0.55		to	1.80			12.79		to	11.41
	12/31/2022		198,735		1.63	to	11.15		323,232		1.80			0.55		to	1.80			(14.54	)	to	(15.59	)
	12/31/2021		198,735		1.90	to	13.21		378,243		1.38			0.55		to	1.80			9.05		to	7.72
	12/31/2020		198,735		1.75	to	12.26		346,838		2.33			0.55		to	1.80			3.91		to	2.64
	12/31/2019		198,735		1.68	to	11.95		333,778		2.23			0.55		to	1.80			15.29		to	13.87
TA Goldman Sachs Managed Risk - Growth ETF Initial Class
	12/31/2023		-		2.10	to	14.04		-		-			0.55		to	1.80			17.44		to	16.00
	12/31/2022		-		1.79	to	12.11		-		-			0.55		to	1.80			(14.78	)	to	(15.83	)
	12/31/2021		-		2.10	to	14.38		-		-			0.55		to	1.80			13.62		to	12.23
	12/31/2020		-		1.84	to	12.82		-		-			0.55		to	1.80			3.95		to	2.67
	12/31/2019		-		1.77	to	12.48		-		-			0.55		to	1.80			19.09		to	17.62
TA International Focus Initial Class
	12/31/2023		30,191		2.15	to	14.29		62,757		2.01			0.55		to	1.80			11.92		to	10.55
	12/31/2022		30,555		1.92	to	12.93		56,861		3.41			0.55		to	1.80			(20.48	)	to	(21.46	)
	12/31/2021		22,449		2.42	to	16.46		52,650		1.67			0.55		to	1.80			10.21		to	8.86
	12/31/2020		56,719		2.20	to	15.12		120,925		2.10			0.55		to	1.80			20.24		to	18.76
	12/31/2019		45,118		1.83	to	12.73		80,164		1.68			0.55		to	1.80			26.98		to	25.42
TA Janus Mid-Cap Growth Initial Class
	12/31/2023		-		4.15	to	20.64		-		-			0.55		to	1.80			16.41		to	14.98
	12/31/2022		-		3.57	to	17.95		-		-			0.55		to	1.80			(17.17	)	to	(18.19	)
	12/31/2021		-		4.31	to	21.94		-		-			0.55		to	1.80			16.66		to	15.22
	12/31/2020		-		3.69	to	19.04		-		-			0.55		to	1.80			18.55		to	17.10
	12/31/2019		-		3.12	to	16.26		-		-			0.55		to	1.80			35.96		to	34.29

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31								For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio				Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

TA JPMorgan Asset Allocation - Conservative Initial Class
	12/31/2023		-		$1.85	to	$11.65	$	-		-	%		0.55	%	to	1.80	%		6.47	%	to	5.16	%
	12/31/2022		-		1.74	to	11.08		-		-			0.55		to	1.80			(15.82	)	to	(16.85	)
	12/31/2021		-		2.06	to	13.33		-		-			0.55		to	1.80			5.32		to	4.03
	12/31/2020		-		1.96	to	12.81		-		-			0.55		to	1.80			10.86		to	9.50
	12/31/2019		-		1.77	to	11.70		-		-			0.55		to	1.80			13.28		to	11.89
TA JPMorgan Asset Allocation - Growth Initial Class
	12/31/2023		92,040		2.75	to	17.20		250,668		1.73			0.55		to	1.80			19.68		to	18.22
	12/31/2022		90,811		2.30	to	14.55		206,746		6.13			0.55		to	1.80			(22.99	)	to	(23.94	)
	12/31/2021		81,943		2.98	to	19.12		242,375		1.55			0.55		to	1.80			18.99		to	17.53
	12/31/2020		108,231		2.51	to	16.27		269,181		1.66			0.55		to	1.80			24.06		to	22.53
	12/31/2019		119,233		2.02	to	13.28		239,160		1.74			0.55		to	1.80			25.36		to	23.82
TA JPMorgan Asset Allocation - Moderate Initial Class
	12/31/2023		215,472		2.10	to	12.75		451,140		2.08			0.55		to	1.80			8.51		to	7.18
	12/31/2022		228,699		1.93	to	11.90		441,152		5.34			0.55		to	1.80			(16.53	)	to	(17.56	)
	12/31/2021		229,619		2.32	to	14.43		530,715		1.90			0.55		to	1.80			8.58		to	7.25
	12/31/2020		230,922		2.13	to	13.46		491,580		2.21			0.55		to	1.80			11.99		to	10.61
	12/31/2019		231,920		1.90	to	12.17		440,896		2.22			0.55		to	1.80			15.78		to	14.36
TA JPMorgan Asset Allocation - Moderate Growth Initial Class
	12/31/2023		-		2.33	to	14.28		-		-			0.55		to	1.80			11.60		to	10.24
	12/31/2022		-		2.09	to	12.96		-		-			0.55		to	1.80			(17.81	)	to	(18.81	)
	12/31/2021		-		2.54	to	15.96		-		2.79			0.55		to	1.80			13.32		to	11.93
	12/31/2020		-		2.25	to	14.26		-		-			0.55		to	1.80			14.44		to	13.03
	12/31/2019		-		1.96	to	12.61		-		-			0.55		to	1.80			19.35		to	17.89
TA JPMorgan Enhanced Index Initial Class
	12/31/2023		3,988		4.83	to	21.20		19,261		0.82			0.55		to	1.80			26.97		to	25.41
	12/31/2022		3,988		3.80	to	16.90		15,170		0.68			0.55		to	1.80			(18.80	)	to	(19.79	)
	12/31/2021		3,988		4.68	to	21.08		18,681		0.79			0.55		to	1.80			29.41		to	27.82
	12/31/2020		3,988		3.62	to	16.49		14,436		1.46			0.55		to	1.80			19.51		to	18.04
	12/31/2019		3,988		3.03	to	13.97		12,080		1.20			0.55		to	1.80			30.32		to	28.72
TA Multi-Managed Balanced Initial Class
	12/31/2023		-		3.17	to	15.86		-		1.57			0.55		to	1.80			18.08		to	16.64
	12/31/2022		-		2.68	to	13.60		-		-			0.55		to	1.80			(16.74	)	to	(17.76	)
	12/31/2021		89,876		3.22	to	16.53		287,757		1.15			0.55		to	1.80			16.40		to	14.97
	12/31/2020		89,876		2.77	to	14.38		247,340		1.58			0.55		to	1.80			15.26		to	13.85
	12/31/2019		90,137		2.40	to	12.63		215,319		1.66			0.55		to	1.80			21.10		to	19.62
TA S&P 500 Index Initial Class
	12/31/2023		-		11.74	to	11.50		-		-			0.55		to	1.80			25.40		to	23.87
	12/31/2022⁽¹⁾		-		9.36	to	9.28		-		-			0.55		to	1.80			-		to	-
TA Small/Mid Cap Value Initial Class
	12/31/2023		11,461		3.43	to	15.31		38,151		1.03			0.55		to	1.80			11.78		to	10.42
	12/31/2022		10,919		3.07	to	13.86		32,580		0.54			0.55		to	1.80			(8.81	)	to	(9.93	)
	12/31/2021		7,885		3.37	to	15.39		25,851		0.90			0.55		to	1.80			27.42		to	25.86
	12/31/2020		34,424		2.64	to	12.23		88,744		1.08			0.55		to	1.80			3.47		to	2.20
	12/31/2019		25,725		2.56	to	11.97		64,221		0.98			0.55		to	1.80			24.59		to	23.06
TA T. Rowe Price Small Cap Initial Class
	12/31/2023		7,975		4.56	to	17.03		35,423		-			0.55		to	1.80			20.54		to	19.06
	12/31/2022		7,745		3.78	to	14.30		28,588		-			0.55		to	1.80			(22.81	)	to	(23.76	)
	12/31/2021		6,999		4.90	to	18.76		33,550		-			0.55		to	1.80			10.76		to	9.40
	12/31/2020		6,124		4.42	to	17.15		26,575		-			0.55		to	1.80			22.89		to	21.38
	12/31/2019		21,897		3.60	to	14.13		77,936		-			0.55		to	1.80			32.04		to	30.42

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31								For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio				Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

TA TS&W International Equity Initial Class
	12/31/2023		-		$1.85	to	$13.28	$	-		-	%		0.55	%	to	1.80	%		14.85	%	to	13.44	%
	12/31/2022		-		1.61	to	11.71		-		-			0.55		to	1.80			(14.87	)	to	(15.91	)
	12/31/2021		-		1.89	to	13.92		-		2.11			0.55		to	1.80			12.79		to	11.40
	12/31/2020		44,113		1.68	to	12.50		71,752		3.17			0.55		to	1.80			5.96		to	4.66
	12/31/2019		44,781		1.58	to	11.94		68,879		1.49			0.55		to	1.80			20.40		to	18.92
TA WMC US Growth Initial Class
	12/31/2023		116,446		4.69	to	25.43		540,135		0.04			0.55		to	1.80			41.31		to	39.58
	12/31/2022		143,063		3.32	to	18.22		469,947		-			0.55		to	1.80			(31.72	)	to	(32.56	)
	12/31/2021		127,860		4.86	to	27.01		615,604		0.08			0.55		to	1.80			20.01		to	18.53
	12/31/2020		158,175		4.05	to	22.79		634,838		0.11			0.55		to	1.80			36.55		to	34.87
	12/31/2019		208,125		2.96	to	16.90		611,708		0.13			0.55		to	1.80			39.28		to	37.57
Vanguard^® Equity Index
	12/31/2023		494,686		4.76	to	20.85		2,313,845		1.46			0.55		to	1.80			25.43		to	23.89
	12/31/2022		540,688		3.80	to	16.83		2,018,948		1.35			0.55		to	1.80			(18.68	)	to	(19.67	)
	12/31/2021		549,482		4.67	to	20.95		2,525,371		1.28			0.55		to	1.80			27.85		to	26.28
	12/31/2020		638,385		3.65	to	16.59		2,299,049		1.71			0.55		to	1.80			17.55		to	16.11
	12/31/2019		770,123		3.11	to	14.29		2,364,330		1.95			0.55		to	1.80			30.58		to	28.98
Vanguard^® International
	12/31/2023		400,931		2.23	to	18.04		878,916		1.53			0.55		to	1.80			14.03		to	12.63
	12/31/2022		416,653		1.96	to	16.02		802,126		1.27			0.55		to	1.80			(30.50	)	to	(31.36	)
	12/31/2021		336,122		2.81	to	23.34		932,448		0.27			0.55		to	1.80			(2.08	)	to	(3.28	)
	12/31/2020		368,106		2.87	to	24.13		1,043,201		1.35			0.55		to	1.80			56.72		to	54.80
	12/31/2019		527,976		1.83	to	15.59		956,939		1.45			0.55		to	1.80			30.50		to	28.90
Vanguard^® Mid-Cap Index
	12/31/2023		227,124		3.98	to	16.99		890,179		1.42			0.55		to	1.80			15.20		to	13.79
	12/31/2022		229,891		3.46	to	14.93		783,295		1.12			0.55		to	1.80			(19.26	)	to	(20.25	)
	12/31/2021		225,131		4.28	to	18.72		950,826		1.12			0.55		to	1.80			23.68		to	22.16
	12/31/2020		269,528		3.46	to	15.32		921,807		1.52			0.55		to	1.80			17.43		to	15.98
	12/31/2019		311,237		2.95	to	13.21		908,438		1.51			0.55		to	1.80			30.16		to	28.56
Vanguard^® Real Estate Index
	12/31/2023		134,147		2.61	to	12.64		346,702		2.40			0.55		to	1.80			11.09		to	9.73
	12/31/2022		129,637		2.35	to	11.52		301,761		1.92			0.55		to	1.80			(26.70	)	to	(27.60	)
	12/31/2021		135,189		3.20	to	15.91		429,475		2.14			0.55		to	1.80			39.44		to	37.73
	12/31/2020		176,405		2.29	to	11.55		402,067		2.54			0.55		to	1.80			(5.37	)	to	(6.54	)
	12/31/2019		184,033		2.43	to	12.36		443,147		2.79			0.55		to	1.80			28.10		to	26.53
Vanguard^® Short-Term Investment Grade
	12/31/2023		633,970		1.52	to	10.13		949,848		2.11			0.55		to	1.80			5.58		to	4.29
	12/31/2022		640,619		1.44	to	9.71		910,064		1.75			0.55		to	1.80			(6.24	)	to	(7.39	)
	12/31/2021		845,759		1.53	to	10.49		1,284,215		2.07			0.55		to	1.80			(1.00	)	to	(2.21	)
	12/31/2020		820,608		1.55	to	10.72		1,260,067		2.75			0.55		to	1.80			4.92		to	3.63
	12/31/2019		1,058,413		1.47	to	10.35		1,550,991		2.62			0.55		to	1.80			5.12		to	3.83
Vanguard^® Total Bond Market Index
	12/31/2023		1,385,413		1.56	to	9.66		2,146,345		2.46			0.55		to	1.80			5.00		to	3.72
	12/31/2022		1,377,948		1.48	to	9.31		2,033,901		2.07			0.55		to	1.80			(13.69	)	to	(14.75	)
	12/31/2021		1,418,480		1.72	to	10.92		2,426,444		2.02			0.55		to	1.80			(2.25	)	to	(3.46	)
	12/31/2020		1,331,681		1.76	to	11.31		2,329,161		2.52			0.55		to	1.80			6.99		to	5.68
	12/31/2019		1,293,322		1.64	to	10.70		2,114,544		2.58			0.55		to	1.80			8.08		to	6.75
Wanger Acorn
	12/31/2023		5,525		3.23	to	14.75		17,715		-			0.55		to	1.80			21.07		to	19.59
	12/31/2022		5,700		2.67	to	12.33		15,103		-			0.55		to	1.80			(33.83	)	to	(34.64	)
	12/31/2021		13,325		4.04	to	18.87		53,388		0.75			0.55		to	1.80			8.30		to	6.97
	12/31/2020		14,462		3.73	to	17.64		53,526		-			0.55		to	1.80			23.55		to	22.03
	12/31/2019		14,345		3.02	to	14.46		42,994		0.26			0.55		to	1.80			30.38		to	28.78

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

5. Financial Highlights (continued)


		At December 31									For the Year Ended December 31
Subaccount		Units		Unit Fair Value Corresponding to Lowest to Highest Expense Ratio					Net Assets		Investment Income Ratio*			Expense Ratio Lowest to Highest**						Total Return* Corresponding to Lowest to Highest Expense Ratio**

Wanger International
	12/31/2023		1,482	$	2.42	to	$	13.31	$	3,582		0.33	%		0.55	%	to	1.80	%		16.32	%	to	14.89	%
	12/31/2022		1,589		2.08	to		11.58		3,302		0.99			0.55		to	1.80			(34.21	)	to	(35.01	)
	12/31/2021		1,072		3.16	to		17.82		3,383		1.00			0.55		to	1.80			18.16		to	16.71
	12/31/2020		10,067		2.67	to		15.27		26,202		2.01			0.55		to	1.80			13.74		to	12.34
	12/31/2019		10,565		2.35	to		13.59		24,236		0.60			0.55		to	1.80			29.28		to	27.69


		⁽¹⁾		See Footnote 1

		*		These amounts represent the dividends, excluding distributions of capital gains, received by the subaccount from the Mutual Fund, net of management fees assessed by the fund manager, divided by the average net assets. These ratios exclude those expenses, such as mortality and expense charges, that are assessed against contract owner accounts either through reductions in the unit values or the redemption of units. The recognition of investment income by the subaccount is affected by the timing of the declaration of dividends by the Mutual Fund in which the subaccounts invest.

		**		These amounts represent the annualized contract expenses of the subaccount, consisting primarily of mortality and expense charges, for each period indicated. These ratios include only those expenses that result in a direct reduction to unit values. Charges made directly to contract owner accounts through the redemption of units and expenses of the Mutual Fund have been excluded.

		***		These amounts represent the total return for the periods indicated, including changes in the value of the Mutual Fund, and expenses assessed through the reduction of unit values. These ratios do not include any expenses assessed through the redemption of units. Investment options with a date notation indicate the effective date of that investment option in the variable account. The total return is calculated for each period indicated or from the effective date through the end of the reporting period. Total returns reflect a full twelve month period and total returns for subaccounts opened during the year have not been disclosed as they may not be indicative of a full year return. Expense ratios not in effect for the full twelve months are not reflected in the total return as they may not be indicative of a full year return.

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

6. Administrative and Mortality and Expense Risk Charges

TFLIC deducts a daily administrative charge equal to an annual rate of 0.15% of the daily net assets value of each subaccount for administrative expenses. TFLIC also deducts an annual charge during the accumulation phase, not to exceed $30, proportionately from the subaccounts’ unit values. An annual charge ranging from 0.40% to 1.65% is deducted (based on the death benefit selected) from the unit values of the subaccounts of the Separate Account for TFLIC’s assumption of certain mortality and expense risks incurred in connection with the contract. The charge is assessed daily based on the net asset value of the Mutual Fund. Charges for administrative and mortality and expense risk are an expense of the subaccount. Charges reflected above are those currently assessed and may be subject to change. Contract owners should see their actual policy and any related attachments to determine their specific charges.

7. Income Tax

Operations of the Separate Account form a part of TFLIC, which is taxed as a life insurance company under Subchapter L of the Internal Revenue Code of 1986, as amended (the Code). The operations of the Separate Account are accounted for separately from other operations of TFLIC for purposes of federal income taxation. The Separate Account is not separately taxable as a regulated investment company under Subchapter M of the Code and is not otherwise taxable as an entity separate from TFLIC. Under existing federal income tax laws, the income of the Separate Account is not taxable to TFLIC, as long as earnings are credited under the variable annuity contracts.

Transamerica Financial Life Insurance Company

TFLIC Separate Account VNY

Notes to Financial Statements

December 31, 2023

8. Subsequent Events

The Separate Account has evaluated the financial statements for subsequent events through the date which the financial statements were issued. During this period, there were no subsequent events requiring recognition in the financial statements.

9. Related Parties

Transamerica Capital, Inc. (TCI), a wholesaling broker-dealer, is an affiliated entity of TFLIC and an indirect wholly owned subsidiary of Aegon N.V. TCI distributes TFLIC’s products through broker-dealers and other financial intermediaries.

The subaccounts invest in the mutual funds listed in Footnote 1. These investments include funds managed by Transamerica Asset Management, Inc. (TAM). Transamerica Fund Services, Inc. (TFS) serves as a transfer agent to TAM, and Aegon USA Asset Management Holding, LLC (AAM) serves as a sub-advisor for certain funds managed by TAM. TAM, TFS and AAM are affiliated entities of TFLIC and indirect wholly owned subsidiaries of Aegon N.V. Funds managed by TAM are identified by their fund name, which includes reference to Aegon, Transamerica or both. The Separate Account pays management fees to the related funds as detailed in the fund prospectus.

No charges other than those disclosed in Footnote 6 are deducted for the service rendered by related parties.

Contract owners may transfer funds between available subaccount options within the Separate Account. These transfers are performed at unit value at the time of the transfer.

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents