Transamerica Life Insurance Company Separate Account VA B (EST. 1/19/1990) Administrative Office 6400 C Street SW Cedar Rapids, Iowa 52499-0001 (800)525-6205 www.transamerica.com |
Transamerica Financial Life Insurance Company Separate Account VA BNY (EST. 9/27/1994) Administrative Office 6400 C Street SW Cedar Rapids, Iowa 52499-0001 (800)525-6205 www.transamerica.com |
glossary of terms___________________ |
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Overview of the policy______________ |
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EXAMPLES_________________________ |
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Policy____________________________ |
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Business Continuity____________________ |
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Information About Us___________________ |
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Financial Condition of the Company__________ |
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The Separate Account___________________ |
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The Underlying Fund Portfolios_____________ |
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Other Transamerica Policies_______________ |
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VOTING RIGHTS______________________ |
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THE ANNUITY policy__________________ |
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PURCHASE___________________________ |
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Policy Issue Requirements_________________ |
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Premium Payments_____________________ |
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Policy Value_________________________ |
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INVESTMENT OPTIONS_________________ |
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Static Allocation______________________ |
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Options_________________________ |
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The Fixed Account_____________________ |
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Transfers___________________________ |
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Investment Restrictions__________________ |
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Market Timing and Disruptive Trading_________ |
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EXPENSES____________________________ |
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Transaction Expenses:___________________ |
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Surrender Charges_____________________ |
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Access Rider_________________________ |
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Excess Interest Adjustment________________ |
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Premium Taxes_______________________ |
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Federal, State and Local Taxes______________ |
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Special Service Fees_____________________ |
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Transfer Fee_________________________ |
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Mortality and Expense Risk Fees_____________ |
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Administrative Charges__________________ |
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Annual Service Charge___________________ |
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Fund Facilitation Fee____________________ |
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Optional Benefits______________________ |
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Reduced Fees and Charges________________ |
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Revenue We Receive____________________ |
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Ownership__________________________ |
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Beneficiary__________________________ |
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Assignment_________________________ |
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Termination for Low Value________________ |
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Certain Offers________________________ |
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Exchanges and/or Reinstatements____________ |
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ACCESS TO YOUR MONEY_______________ |
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Surrenders and Withdrawals_______________ |
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Gross and Net Withdrawals________________ |
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Delay of Payment and Transfer______________ |
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Excess Interest Adjustment________________ |
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Signature Guarantee____________________ |
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Annuity Payment Options________________ |
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DEATH BENEFIT_______________________ |
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When We Pay A Death Benefit_____________ |
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Owner Death________________________ |
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Spousal Continuation___________________ |
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Amount of Death Benefit_________________ |
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Guaranteed Minimum Death Benefit__________ |
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Adjusted Withdrawal___________________ |
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Benefit Riders_____________________ |
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Optional Benefit Riders_____________ |
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ADDITIONAL FEATURES________________ |
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Systematic Payout Option________________ |
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Access Rider_________________________ |
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Unemployment Waiver__________________ |
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Dollar Cost Averaging Program_____________ |
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Asset Rebalancing_____________________ |
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Loans______________________________ |
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TAX INFORMATION____________________ |
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OTHER INFORMATION_________________ |
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State Variations_______________________ |
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Order___________________________ |
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Regulatory Modifications to Policy___________ |
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Mixed and Shared Funding________________ |
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Abandoned or Unclaimed Property___________ |
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Legal Proceedings______________________ |
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Distribution of the Policies________________ |
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UNDER THE POLICY______________ |
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static allocations_______________ |
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Examples______________________ |
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Death Benefit____________________ |
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Riders_________________________ |
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rider_________________________ |
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Rider_________________________ |
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FEES AND EXPENSES |
Location in Prospectus |
Charges for Early Withdrawal |
If You withdraw money from during a specified number of Policy Years following the premium payment being withdrawn, You may be assessed a surrender charge. The surrender charge is assessed for maximum of Rider eliminates all surrender charges. For example, if You make an early withdrawal, You could pay a surrender charge on a $100,000 investment of up to $ |
Annuity Policy Fee Tables and Expense Examples Transaction Expenses – Surrender Charge Access to Your Money Surrenders and Withdrawals |
Transaction Charges |
In addition to surrender charges, You also may be assessed a transfer fee and special services fee. Transfer Fee. We reserve the right to charge for transfers among Investment Options after the first 12 transfers per Policy Year. For each such additional transfer, we may impose a transfer fee of $10. Currently, we do not charge a transfer fee, but reserve the right to do so. Special Service Fee. We reserve the right to deduct a charge for special services, including overnight delivery, duplicate policies, handling insufficient checks on new business, duplicate Form 1099 and Form 5498 tax forms, check copies, printing and mailing previously submitted forms, and asset verification requests from mortgage companies. |
Annuity Policy Fee Tables and Expense Examples Transaction Expenses |
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FEES AND EXPENSES |
Location in Prospectus |
Ongoing Fees and Expenses (annual charges) |
The table below describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Policy specifications page for information about the specific fees You will pay each year based on the options You have elected. |
Annuity Policy Fee Tables and Expense Examples Base Contract Expenses Appendix – Portfolio Companies Available Under the Policy | ||
Annual Fee |
Minimum |
Maximum | ||
Base Policy1 |
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Portfolio Company (fund fees and expenses)2 |
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Optional Benefit Expenses (if elected) |
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Because Your Policy is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Policy, the following table shows the lowest and highest cost You could pay each year based on current charges. This estimate assumes that You do not take withdrawals from the Policy, which could add surrender charges that substantially increase costs. | ||||
Lowest Annual Cost $ |
Highest Annual Cost $ | |||
Assumes: |
Assumes: | |||
●Investment of $100,000 ●5% annual appreciation ●Least expensive Portfolio Company fees and expenses ●No optional benefits ●No sales charges ●No additional purchase payments, transfers, or withdrawals |
●Investment of $100,000 ●5% annual appreciation ●Most expensive combination of optional benefits and Portfolio Company fees and expenses ●No sales charges ●No additional purchase payments, transfers, or withdrawals |
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RISKS |
Location in Prospectus | ||
Risk of Loss |
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Principal Risks of Investing in the Policy | ||
Not a Short-Term Investment |
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Principal Risks of Investing in the Policy Transaction Expenses - Surrender Charges Tax Information |
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RISKS |
Location in Prospectus |
Risks Associated with Investment Options |
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Principal Risks of Investing in the Policy Investment Options Appendix: Portfolio Companies Available Under the Policy | ||
Insurance Company Risks |
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Principal Risks of Investing in the Policy Information About Us Financial Condition |
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RESTRICTIONS |
Location in Prospectus | ||
Investments |
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Transaction Expenses Investment Option – Transfers Market Timing and Disruptive Trading | ||
Optional Benefits |
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Investment Restrictions Benefits Available Under the Policy Guaranteed Lifetime Withdrawal Benefit Riders |
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TAXES |
Location in Prospectus | ||
Tax Implications |
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Tax Information | ||
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CONFLICT OF INTEREST |
Location in Prospectus | ||
Investment Professional Compensation |
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Distribution of the Policies | ||
Exchanges |
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Exchanges and/or Reinstatements |
Sales Load Imposed On Purchase Payments |
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Contingent Deferred Surrender Charge (as a percentage of premium surrendered or withdrawn)(1) |
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Year 1 |
7% |
Year 2 |
6% |
Year 3 |
5% |
Year 4 |
4% |
Year 5 |
3% |
Year 6 (or more) |
0% |
Transfer Fee(2) |
$ |
Special Service Fee(3) |
$ |
Annual Service Charge(4) |
$ |
Base Contract Expenses (as a percentage, of average Separate Account Value)(5): |
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Fund Facilitation Fee (as a percentage, annually, of the net asset value of Subaccount) |
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Optional Benefit Expenses: |
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Return of Premium Death Benefit (as a percentage, annually, of average Separate Account Value) |
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Annual Step-Up Death Benefit (as a percentage, annually, of average Separate Account Value) |
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Access Rider (as a percentage, annually, of average Separate Account Value) |
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Optional Death Benefit Riders – No Longer Available |
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Additional Death DistributionSM (annual charge based on Policy Value) |
0.25% |
Additional Death Distribution+SM (annual charge based on Policy Value) |
0.55% |
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Maximum |
Optional Guaranteed Lifetime Withdrawal Benefit Riders (6) |
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Transamerica Principal OptimizerSM rider (annual charge - % of the Rider Fee Basis)* |
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Transamerica Income EdgeSM 1.2 rider (annual charge - % of Withdrawal Base)* |
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Maximum |
Optional Guaranteed Lifetime Withdrawal Benefit Riders – No Longer Available (7) |
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Retirement Income Max® 1.2 rider (annual charge - % of Withdrawal Base)* |
2.50% |
Retirement Income Choice® 1.7 rider (annual charge - % of Withdrawal Base)* |
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Base Benefit Designated Allocation Group A* |
2.50% |
Base Benefit Designated Allocation Group B* |
2.50% |
Base Benefit Designated Allocation Group C* |
2.50% |
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Maximum |
Additional Benefits available with Retirement Income Choice® 1.7 rider: |
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Death Benefit - (Single Life Option) (annual charge - % of Withdrawal Base)* |
0.55% |
Death Benefit - (Joint Life Option) (annual charge - % of Withdrawal Base)* |
0.50% |
Income EnhancementSM - (Single Life Option - Not available in NY) (annual charge - % of Withdrawal Base)* |
0.45% |
Income EnhancementSM - (Joint Life Option - Not available in NY) (annual charge - % of Withdrawal Base)* |
0.65% |
Charge Type |
Amount |
Current Annual Service Charge |
$35 |
Maximum Annual Service Charge |
$50 |
Portfolio Companies |
Annualized Fee % |
DFA VA Global Bond Portfolio - Institutional Class Vanguard® VIF Balanced Portfolio Vanguard® VIF Conservative Allocation Portfolio Vanguard® VIF Mid-Cap Index Portfolio Vanguard® VIF Moderate Allocation Portfolio |
0.60% |
Fidelity® VIP Consumer Staples - Initial Class Fidelity® VIP Technology Portfolio - Initial Class Fidelity® VIP Utilities Portfolio - Initial Class |
0.50% |
Fidelity® VIP Balanced Portfolio - Service Class 2 Fidelity® VIP Energy Portfolio - Service Class 2 Fidelity® VIP Health Care Portfolio - Service Class 2 |
0.30% |
AB Balanced Hedged Allocation Portfolio - Class B American Funds - Asset Allocation FundSM Class 4 State Street Total Return V.I.S. Fund - Class 3 |
0.20% |
American Funds - New World Fund® - Class 4 TA MSCI EAFE Index - Service Class TA S&P 500 Index - Service Class |
0.15% |
American Funds - Growth FundSM - Class 4 American Funds - Growth-Income FundSM - Class 4 American Funds - International FundSM - Class 4 |
0.13% |
American Funds - The Bond Fund of AmericaSM - Class 4 |
0.11% |
Annual Portfolio Company Expenses |
Minimum |
Maximum |
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Expenses that are deducted from Portfolio Company assets, including management fees, 12b-1 fees, Fund Facilitation Fee if applicable and other expenses, after any waivers or expense reimbursements |
0.54% |
1.15% |
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without Access Rider |
with Access Rider |
1 Year |
$ |
$ |
3 Years |
$ |
$ |
5 Years |
$ |
$ |
10 Years |
$ |
$ |
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without Access Rider |
with Access Rider |
1 Year |
$ |
$ |
3 Years |
$ |
$ |
5 Years |
$ |
$ |
10 Years |
$ |
$ |
Incoming Payments to Us and/or TCI | |
Underlying Fund Portfolio |
Maximum Fee % of assets |
TRANSAMERICA SERIES TRUST (“TST”) |
0.25% |
AB VARIABLE PRODUCTS SERIES FUND, INC. |
0.45% |
AMERICAN FUNDS INSURANCE SERIES® TRUST |
0.50% |
FIDELITY® VARIABLE INSURANCE PRODUCTS FUND |
0.395% |
STATE STREET VARIABLE INSURANCE SERIES FUNDS, INC. |
0.45% |
S* (G-C)* (M/12) | ||
S |
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Is the amount (before surrender charges, premium taxes and the application of any Guaranteed Minimum Death Benefits, if any) being surrendered, withdrawn, transferred, paid upon death, or applied to an income option that is subject to the Excess Interest Adjustment; |
G |
= |
Is the guaranteed interest rate for the guaranteed period applicable to “S”; |
C |
= |
Is the current guaranteed interest rate then being offered on new premium payments for the next longer option period than “M”. If this Policy form or such an option period is no longer offered, “C” will be the U.S. Treasury rate for the next longer maturity (in whole years) than “M” on the 25th day of the previous calendar month, |
M |
= |
Number of months remaining in the current option period for “S”, rounded up to the next higher whole number of months; and |
* |
= |
Multiplication |
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Standard or Optional |
Maximum Annual Fee |
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Equal to annually of the Separate Account Value |
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average Separate Account Value |
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average Separate Account Value |
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the Policy Value |
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the Policy Value |
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the Rider Fee Basis |
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the Withdrawal Base |
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the Withdrawal Base Death Benefit Rider to base benefit: 0.55% annually (Single Life) or 0.50% annually (Joint Life), of Withdrawal Base. Income Enhancement Option: 0.45% annually (Single Life) or 0.65% annually (Joint Life) of Withdrawal Base. If qualifications are met, the Income Enhancement Option increases the income benefit percentage by 50% |
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Withdrawal Base |
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If You elect the Transamerica Principal OptimizerSM rider identified below, which provides certain guaranteed benefits, the Company requires a certain percentage of Your Policy Value to be allocated to the Stable Account, with the remainder to be allocated to the select Investment Options and flexible Investment Options. One or more of the select Investment Options and flexible Investment Options may include a volatility control strategy. Volatility control strategies, in periods of high market volatility, could limit Your participation in market gains; this may conflict with Your investment objectives by limiting Your ability to maximize potential growth of Your Policy Value and, in turn, the value of any guaranteed benefit that is tied to investment performance. Volatility control strategies are intended to help limit overall volatility and reduce the effects of significant market downturns during periods of high market volatility, providing Policy Owners with the opportunity for smoother performance and better risk adjusted returns. Volatility control (and similar terms) can encompass a variety of investment strategies of different types and degrees; therefore, You should read the applicable annuity and underlying fund portfolio prospectuses carefully to understand how these investment strategies may affect Your Policy Value and rider benefits. The Company’s requirement to invest in accordance with the required allocations, which may include volatility control strategies, may reduce our costs and risks associated with this rider. You pay an additional fee for the rider benefits which, in part, pays for protecting the rider benefit base from investment losses. Since the rider benefit base does not decrease as a result of investment losses, volatility control strategies might not provide meaningful additional benefit to You. You should carefully evaluate with Your financial professional whether to allocate to Subaccounts that invest in underlying fund portfolios with volatility control strategies, taking into consideration the potential positive or negative impact that such strategy may have on Your investment objectives, Your Policy Value and the benefits under the Transamerica Principal OptimizerSM rider. If You determine that underlying fund portfolios with volatility control strategies are not consistent with Your investment objectives, other Investment Options are available under the Transamerica Principal OptimizerSM rider that do not invest in underlying fund portfolios that utilize volatility control strategies. |
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10 Year |
7 Year |
During Rider Year |
Percent of subsequent premiums added to guaranteed future value |
Percent of subsequent premiums added to guaranteed future value |
1 |
100% |
100% |
2 |
90% |
90% |
3 |
80% |
80% |
4 |
70% |
70% |
5 |
60% |
60% |
6 |
50% |
50% |
7 |
50% |
0% |
8 |
50% |
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9 |
50% |
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10 |
0% |
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If You elect the Transamerica Income EdgeSM 1.2 rider identified below, which provides certain guaranteed benefits, the Company requires a certain percentage of Your Policy Value to be allocated to the Stable Account, with the remainder to be allocated to the select Investment Options and flexible Investment Options. One or more of the select Investment Options and flexible Investment Options may include a volatility control strategy. Volatility control strategies, in periods of high market volatility, could limit Your participation in market gains; this may conflict with Your investment objectives by limiting Your ability to maximize potential growth of Your Policy Value and, in turn, the value of any guaranteed benefit that is tied to investment performance. Volatility control strategies are intended to help limit overall volatility and reduce the effects of significant market downturns during periods of high market volatility, providing Policy Owners with the opportunity for smoother performance and better risk adjusted returns. Volatility control (and similar terms) can encompass a variety of investment strategies of different types and degrees; therefore, You should read the applicable annuity and underlying fund portfolio prospectuses carefully to understand how these investment strategies may affect Your Policy Value and rider benefits. The Company’s requirement to invest in accordance with the required allocations, which may include volatility control strategies, may reduce our costs and risks associated with this rider. You pay an additional fee for the rider benefits which, in part, pay for protecting the rider benefit base from investment losses. Since the rider benefit base does not decrease as a result of investment losses, volatility control strategies might not provide meaningful additional benefit to You. You should carefully evaluate with Your financial professional whether to allocate to Subaccounts that invest in underlying fund portfolios with volatility control strategies, taking into consideration the potential positive or negative impact that such strategy may have on Your investment objectives, Your Policy Value and the benefits under the Transamerica Income EdgeSM 1.2 rider. If You determine that underlying fund portfolios with volatility control strategies are not consistent with Your investment objectives, other Investment Options are available under the Transamerica Income EdgeSM 1.2 rider that do not invest in underlying fund portfolios that utilize volatility control strategies. |
Abbreviation |
Definition |
ADB |
Additional Death Benefit |
ADD |
Additional Death Distribution |
ADD+ |
Additional Death Distribution Plus |
DB |
Death Benefit |
GMDB |
Guaranteed Minimum Death Benefit |
GMLB |
Guaranteed Minimum Living Benefit |
IE |
Income EnhancementSM |
Abbreviation |
Definition |
N/A |
Not Applicable |
RDB |
Rider Death Benefit |
RMD |
Required Minimum Distribution |
RWA |
Rider Withdrawal Amount |
WB |
Withdrawal Base |
WD |
Withdrawal |
Rider Name |
Additional Death DistributionSM32003 |
Additional Death DistributionSM+3 |
Retirement Income Max® 1.23 |
Retirement Income Choice® 1.73 |
Rider Form Number1 |
RTP 18 0103 ICC12 RTP 170513 |
RTP 17 0103 ICC12 RTP 180513 |
ICC18 TRGL18IC |
ICC18 TRGL13IC |
Purpose of Rider |
This is an Additional Death Benefit Rider which can pay an additional benefit at time of death to help alleviate the burden of taxes. |
This is an Additional Death Benefit Rider which can pay an additional benefit at time of death to help alleviate the burden of taxes. |
This is a GLWB rider that guarantees withdrawals for the Annuitant's2 lifetime, regardless of Policy Value. ●The policyholder can withdraw the RWA each rider year until the death of the Annuitant.2 ●This benefit is intended to provide a minimum level of withdrawals (and payments from us, when Policy Value is reduced to zero) regardless of the performance of the designated Investment Options You select. |
This is a GLWB rider that guarantees withdrawals for the Annuitant's2 lifetime, regardless of Policy Value. ●The policyholder can withdraw the RWA each rider year until the death of the Annuitant.2 ●This benefit is intended to provide a minimum level of withdrawals (and payments from us, when Policy Value is reduced to zero) regardless of the performance of the designated Investment Options You select. |
Availability |
●Issue age 0-75 but not yet 76 years old. |
●Issue age 0-69 but not yet 70 years old. |
●Was available for Annuitant/Annuitant’s |
●Was available for Annuitant/Annuitant’s |
Rider Name |
Additional Death DistributionSM32003 |
Additional Death DistributionSM+3 |
Retirement Income Max® 1.23 |
Retirement Income Choice® 1.73 |
Rider Form Number1 |
RTP 18 0103 ICC12 RTP 170513 |
RTP 17 0103 ICC12 RTP 180513 |
ICC18 TRGL18IC |
ICC18 TRGL13IC |
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●Not available in all states |
●Not available in all states |
spouse younger than age 86 unless state law requires further restrictions. ●Single Annuitant ONLY. Annuitant must be an Owner (unless Owner is a non-natural person) ●Maximum of 2 living Joint Owners (with one being the Annuitant) ●Cannot be added to a Policy with other active GMLB riders. ●Not available on qualified annuity which has been continued by surviving spouse or beneficiary as a new Owner. |
spouse younger than age 86 unless state law requires further restrictions. ●Single Annuitant ONLY. Annuitant must be an Owner (unless Owner is a non-natural person) ●Maximum of 2 living Joint Owners (with one being the Annuitant) ●Cannot be added to a Policy with other active GMLB riders. ●Not available on qualified annuity which has been continued by surviving spouse or beneficiary as a new Owner. |
Base Benefit and Optional Fees at issue |
Percentage of Policy Value – 0.25% |
Percentage of Policy Value – 0.55% |
Rider Fees: Single Life1.50% Joint Life1.60% For riders issued prior to the date of this prospectus, please reference the “Appendix – Prior Valuation Frequency, Benefit Age, Growth Duration, Withdrawal/Growth Percentages and Rider Fees” in the Statement of Additional Information. |
Fee based on designated allocation groups and the optional benefits selected. If You elect a combination of designated allocations from among the various groups below, then Your fee will be based on a weighted average of Your choices. Rider Fees: Single Life Group A1.85% Group B1.40% Group C0.95% DB0.40% IE0.30% Joint Life Group A1.95% Group B1.50% Group C1.05% DB0.35% IE0.50% For riders issued prior to the date of this prospectus, please reference the “Appendix – Prior Valuation Frequency, Benefit Age, Growth Duration, Withdrawal/Growth Percentages and Rider Fees” in the Statement of Additional Information. |
Fee Frequency |
Assessed each rider anniversary and at rider termination and equal to the Policy Value multiplied by rider fee percentage. |
Assessed each rider anniversary and at rider termination and equal to the Policy Value multiplied by rider fee percentage. |
●The fee is calculated at issue and each subsequent rider quarter for the upcoming quarter based on the values and WB at that point in time and stored. ●Deducted at each rider quarterversary in arrears during the accumulation phase. |
●The fee is calculated at issue and each subsequent rider quarter for the upcoming quarter based on the values and WB at that point in time and stored. ●Deducted at each rider quarterversary in arrears during the accumulation phase. |
Rider Name |
Additional Death DistributionSM32003 |
Additional Death DistributionSM+3 |
Retirement Income Max® 1.23 |
Retirement Income Choice® 1.73 |
Rider Form Number1 |
RTP 18 0103 ICC12 RTP 170513 |
RTP 17 0103 ICC12 RTP 180513 |
ICC18 TRGL18IC |
ICC18 TRGL13IC |
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●A rider fee adjustment will be applied for subsequent premium payments and withdrawals that change the withdrawal base. ●The base rider fee adjustment will be calculated using the same formula as the base rider fee, based on change.to the WB. ●The rider fee adjustment may be positive or negative and will be added to or subtracted from the rider fee to be allocated. ●A pro-rated fee is deducted at the time the rider is terminated. |
●The fee is calculated on a quarterly basis and varies depending on the allocation options You have chosen. ●A rider fee adjustment will be applied for transfers between allocation groups and for subsequent premium payments and withdrawals that change the withdrawal base. ●The base rider fee adjustment will be calculated using the same formula as the base rider fee, based on change to the WB. ●The rider fee adjustment may be positive or negative and will be added to or subtracted from the rider fee to be allocated. ●A pro-rated fee is deducted at the time the rider is terminated. |
Death Benefit |
Amount is paid whenever a death benefit is paid and the rider is attached. ●Amount paid=ADB Factor x Rider Earnings* ●ADB Factor - 40% for issue ages 0-70 and 25% for issue ages 71-80 (when application signed date is prior to May 1, 2020). ●ADB Factor - 40% for issue ages 0-70 and 25% for issue ages 71-75 (when application signed date is after May 1, 2020). *Rider earnings are defined as: - the Policy Value on the date the death benefit is determined; minus -Policy Value on the rider date; minus - premium payments after the rider date; plus - surrenders after the rider date that exceed the rider earnings on the date of the surrender. NOTE: No benefit is payable under the ADD rider if there are no rider earnings on the date the death benefit is calculated. |
Amount is paid whenever a death benefit is paid and the rider is attached. ●Prior to 5th rider anniversary = Sum of all fees paid for this rider since the rider date. ●On or after 5th rider anniversary = Rider Benefit Base* x Rider Benefit Percentage**. **The rider benefit percentage = 30% for issue ages 0-70 and 20% for issue ages 71-75 (when application signed date is prior to May 1, 2020). **The rider benefit percentage = 30% for issue ages 0-69 (when application signed date is after May 1, 2020). *The Rider Benefit Base at any time is equal to the Policy Value less any premiums added after the Rider Date NOTE: No benefit is payable under the ADD+ rider if the Policy Value on the date the death benefit is paid is less than the premium payments after the rider date. |
N/A |
N/A |
Designated Investment Options Available - Policyholder who add these riders may only invest in the Investment Options listed. Requiring that You designate |
N/A |
N/A |
Please reference the Appendix - Designated Investment Options later in this prospectus for the designated Investment Options for this rider. |
Please reference the Appendix - Designated Investment Options later in this prospectus for the designated Investment Options for this rider. |
Rider Name |
Additional Death DistributionSM32003 |
Additional Death DistributionSM+3 |
Retirement Income Max® 1.23 |
Retirement Income Choice® 1.73 |
Rider Form Number1 |
RTP 18 0103 ICC12 RTP 170513 |
RTP 17 0103 ICC12 RTP 180513 |
ICC18 TRGL18IC |
ICC18 TRGL13IC |
100% of Your Policy Value to the designated Investment Options, some of which employ strategies that are intended to reduce the risk of loss and/or manage volatility, may reduce investment returns and may reduce the likelihood that we will be required to make payments under this benefit. PLEASE NOTE: These Investment Options may not be available on all products, may vary for certain policies and may not be available for all policies. Please reference Appendix - Portfolios Companies Available Under the Policy in Your prospectus for available Portfolio Companies. You cannot transfer any amount to any other non-designated subaccount without losing all Your benefits under this rider. |
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Allocation Methods |
N/A |
N/A |
N/A |
N/A |
Withdrawal Benefits - See Appendix - Adjusted Withdrawals - Retirement Income Max® 1.2 and Retirement Income Choice® 1.7 Riders for examples showing the effect of withdrawals on the WB. |
N/A |
N/A |
The percentage is determined by the attained age of the Annuitant2 at the time of the first withdrawal. Single Life Riders Age 1st WDSingle Life WD% 0 - 580.00% 59-643.75% 65-805.00% 81 +5.50% Joint Life Riders Age 1st WDJoint Life WD% 0 - 580.00% 59-643.25% 65-804.50% 81 +5.00% ●Starting the rider anniversary following the Annuitant's259th birthday, the withdrawal percentage increases above 0% which creates a RWA available under the rider for withdrawal. ●On each rider anniversary, the RWA will be reset equal to the greater of: 1)The WB multiplied by the Withdrawal Percentage based on the attained age of the Annuitant2 at the time of their first withdrawal if applicable, and 2)The RMD amount for this Policy for the current calendar year. |
The withdrawal percentage is determined by the attained age of the Annuitant2 at the time of the first withdrawal. Single Life Riders Age 1st WDSingle Life WD% 0 - 580.00% 59-643.50% 65-804.75% 81 +5.25% Joint Life Riders Age 1st WDJoint Life WD% 0 - 580.00% 59-643.00% 65-804.25% 81 +4.75% ●Starting the rider anniversary following the Annuitant's259th birthday, the withdrawal percentage increases above 0% which creates a RWA available under the rider for withdrawal. ●On each rider anniversary, the RWA will be reset equal to the greater of: 1)The WB multiplied by the Withdrawal Percentage based on the attained age of the Annuitant2 at the time of their first withdrawal if applicable, and 2)The RMD amount for this Policy for the current calendar year. |
Rider Name |
Additional Death DistributionSM32003 |
Additional Death DistributionSM+3 |
Retirement Income Max® 1.23 |
Retirement Income Choice® 1.73 |
Rider Form Number1 |
RTP 18 0103 ICC12 RTP 170513 |
RTP 17 0103 ICC12 RTP 180513 |
ICC18 TRGL18IC |
ICC18 TRGL13IC |
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●The policyholder does not have to take the entire RWA in any year. ●If they do not take the full amount available, the remaining portion does not carry over to the next rider year. For riders issued prior to the date of this prospectus, please see the “Appendix – Prior Valuation Frequency, Benefit Age, Growth Duration, Withdrawal/Growth Percentages and Rider Fees” in the Statement of Additional Information. |
●The policyholder does not have to take the entire RWA in any year. ●If they do not take the full amount available, the remaining portion does not carry over to the next rider year. For riders issued prior to the date of this prospectus, please reference the “Appendix – Prior Valuation Frequency, Benefit Age, Growth Duration, Withdrawal/Growth Percentages and Rider Fees” in the Statement of Additional Information. |
Automatic Step-Up |
N/A |
N/A |
On each rider anniversary, the rider will receive an automatic step-up if the WB is set to the greater of: 1)The Policy Value on the rider anniversary; 2)The highest Policy Value in the previous rider year based on the valuation frequency*. * Item 2) is set to zero if there have been any excess withdrawals in the current rider year. ●Owner will have a 30 day window after the rider anniversary to reject an automatic step-up if we increase the rider fee.—Must be in writing. ●If an Owner rejects an automatic step-up, they retain the right to all future automatic step-ups. NOTE: The withdrawal percentage will also increase if You have crossed into another age band prior to an automatic step-ups after the election date. |
On each rider anniversary, the rider will receive an automatic step-up if the WB is set to the greater of: 1)The Policy Value on the rider anniversary; 2)The highest Policy Value in the previous rider year based on the valuation frequency*. * Item 2) is set to zero if there have been any excess withdrawals in the current rider year. ●Owner will have a 30 day window after the rider anniversary to reject an automatic step-up if we increase the rider fee.—Must be in writing. ●If an Owner rejects an automatic step-up, they retain the right to all future automatic step-ups. NOTE: The withdrawal percentage will also increase if You have crossed into another age band prior to an automatic step-ups after the election date. |
Exercising Rider |
No further action required to exercise the rider. |
No further action required to exercise the rider. |
Exercising Base Benefit: The policyholder is guaranteed to be able to withdraw up to the RWA each rider year even if the Policy Value is zero at the time of withdrawal, as long as the Policy Value does not reach zero as a result of an excess withdrawal. In that case the rider would terminate. The rider benefits cease when the Annuitant2 has died. Joint Life Option: This optional feature may be elected that allows You to postpone termination of the rider until the later of the death of the Annuitant and the Annuitant’s |
Exercising Base Benefit: The policyholder is guaranteed to be able to withdraw up to the RWA each rider year even if the Policy Value is zero at the time of withdrawal, as long as the Policy Value does not reach zero as a result of an excess withdrawal. In that case the rider would terminate. The rider benefits cease when the Annuitant2 has died. Joint Life Option: This optional feature may be elected that allows You to postpone termination of the rider until the later of the death of the Annuitant and the Annuitant’s |
Rider Name |
Additional Death DistributionSM32003 |
Additional Death DistributionSM+3 |
Retirement Income Max® 1.23 |
Retirement Income Choice® 1.73 |
Rider Form Number1 |
RTP 18 0103 ICC12 RTP 170513 |
RTP 17 0103 ICC12 RTP 180513 |
ICC18 TRGL18IC |
ICC18 TRGL13IC |
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spouse. The Annuitant’s spouse must be either a joint Owner or the sole primary beneficiary and may not be permitted in the case of certain non-natural Owners. |
spouse. The Annuitant’s spouse must be either a joint Owner or the sole primary beneficiary and may not be permitted in the case of certain non-natural Owners. Exercising Death Option: This optional feature may be elected with this rider. Upon the death of an Annuitant2, this rider will pay an additional death benefit amount equal to the excess, if any, of the RDB over the greater of the base Policy death benefit or any GMDB. Exercising the Income Enhancement Option4: If qualifications are met, this optional feature increases the income benefit percentage by 50% until the Annuitant2 is no longer confined (either has left the facility or deceased). Qualifications: –Confinement must be prescribed by a Physician based on the individual’s inability to sustain themselves outside of a hospital or nursing facility due to physical ailment. –Must be the Annuitant2 who is confined. –Waiting period of 1 year from the rider date before the increase in the income benefit percentage is applicable. –Elimination period is 90 days within the last 12 months which can be satisfied during the waiting period. –Proof of confinement is required. This may be a statement from a Physician or a hospital or nursing facility administrator. |
Income Benefit or Other Benefit Considerations |
N/A |
N/A |
Growth Component: Benefit is not elected separately but is built into the rider. The growth duration is the time period during which the growth rate percentage may apply. On each of the first x rider anniversaries, were x = the growth duration, the growth component will equal A plus (B multiplied by C), where A equals the current growth component, B equals the growth basis and C equals the growth rate percentage. The growth basis is equal to the initial growth component on the rider date. During any rider year, the growth component and growth basis are increased by additional premium payments and is |
Growth Component: Benefit is not elected separately but is built into the rider. The growth duration is the time period during which the growth rate percentage may apply. On each of the first x rider anniversaries, where x = the growth duration, the growth component will equal A plus (B multiplied by C), where A equals the current growth component, B equals the growth basis and C equals the growth percentage. The growth basis is equal to the initial growth component on the rider date. During any rider year, the growth component and growth basis is increased by additional premium payments and is |
Rider Name |
Additional Death DistributionSM32003 |
Additional Death DistributionSM+3 |
Retirement Income Max® 1.23 |
Retirement Income Choice® 1.73 |
Rider Form Number1 |
RTP 18 0103 ICC12 RTP 170513 |
RTP 17 0103 ICC12 RTP 180513 |
ICC18 TRGL18IC |
ICC18 TRGL13IC |
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reduced for any excess withdrawals. On each rider anniversary, the growth basis will equal: Current Growth Basis x (1 + growth rate percentage). The growth rate percentage will be zero if there have been any withdrawals in the current rider year or after the growth duration as disclosed in the Rate Sheet Prospectus Supplement. On each rider anniversary, after the rider date, the growth component will equal the WB if the WB is greater than the growth component. On each rider anniversary, after the rider date, the growth basis will equal the WB if the WB is greater than the growth basis. For riders issued prior to the date of this prospectus, please reference the “Appendix – Prior Valuation Frequency, Benefit Age, Growth Duration, Withdrawal/Growth Percentages and Rider Fees” in the Statement of Additional Information. |
reduced for any excess withdrawals. The growth rate percentage will be zero if there have been any withdrawals in the current rider year or after the growth duration as disclosed in the Rate Sheet Prospectus Supplement. On each rider anniversary, after the rider date, the growth component will equal the WB, if the WB is greater than the Growth Component. For riders issued prior to the date of this prospectus, please reference the “Appendix – Prior Valuation Frequency, Benefit Age, Growth Duration, Withdrawal/Growth Percentages and Rider Fees” in the Statement of Additional Information. |
Rider Upgrade |
N/A |
N/A |
N/A |
N/A |
Rider Termination |
The rider can be terminated at any time. The rider will remain in effect until: ●You cancel it by notifying our Administrative Office in writing, ●the Policy is Annuitized or surrendered ●the Policy Value becomes zero ●or the additional death benefit is paid. |
The rider can be terminated at any time. The rider will remain in effect until: ●You cancel it by notifying our Administrative Office in writing, ●the Policy is Annuitized or surrendered ●the Policy Value becomes zero ●or the additional death benefit is paid. |
●The rider will be terminated upon Policy surrender, excess withdrawal that reduces Your Policy Value to zero, Annuitization or Annuitant2 death. ●The date the Policy to which this rider is attached is assigned or if the Owner is changed without our approval or if any of Your Policy Value is not invested in one of the designated Investment Options. ●The rider will be terminated the date we receive Written Notice from You requesting termination if the request is received within 30 days following the 5th rider anniversary or every 5th anniversary thereafter. |
●The rider will be terminated upon Policy surrender, excess withdrawal that reduces Your Policy Value to zero, Annuitization or Annuitant2 death. ●The date the Policy to which this rider is attached is assigned or if the Owner is changed without our approval or if any of Your Policy Value is not invested in one of the designated Investment Options. ●The rider will be terminated the date we receive Written Notice from You requesting termination if the request is received within 30 days following the 5th rider anniversary or every 5th anniversary thereafter. |
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Underlying Fund Portfolios and Adviser/Sub-adviser (1) |
Current Expenses |
Platform Charges |
Current Expenses Plus Platform Charges |
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Current Expenses Plus Platform Charges |
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Investment Objective |
Underlying Fund Portfolios and Adviser/Sub-adviser (1) |
Current Expenses |
Platform Charges |
Current Expenses Plus Platform Charges |
Average Annual Total Returns (as of 12/31/23) | ||
1 year |
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Investment Objective |
Underlying Fund Portfolios and Adviser/Sub-adviser (1) |
Current Expenses |
Platform Charges |
Current Expenses Plus Platform Charges |
Average Annual Total Returns (as of 12/31/23) | ||
1 year |
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Sub-Advised by: |
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Sub-Advised by: |
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(3) Advised by: |
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Investment Objective |
Underlying Fund Portfolios and Adviser/Sub-adviser (1) |
Current Expenses |
Platform Charges |
Current Expenses Plus Platform Charges |
Average Annual Total Returns (as of 12/31/23) | ||
1 year |
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Sub-Advised by: |
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Investment Objective |
Underlying Fund Portfolios and Adviser/Sub-adviser (1) |
Current Expenses |
Platform Charges |
Current Expenses Plus Platform Charges |
Average Annual Total Returns (as of 12/31/23) | ||
1 year |
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Investment Objective |
Underlying Fund Portfolios and Adviser/Sub-adviser (1) |
Current Expenses |
Platform Charges |
Current Expenses Plus Platform Charges |
Average Annual Total Returns (as of 12/31/23) | ||
1 year |
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Return of Premium Death Benefit |
Annual Step-Up Death Benefit |
Retirement Income Max® 1.2 Rider |
Retirement Income Choice® 1.7 Rider |
Retirement Income Choice® 1.7 Rider |
Subaccounts |
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Prior to 9/1/2020 Group A, B or C |
9/1/2020 and After Group A, B or C |
AB Balanced Hedged Allocation Portfolio - Class B |
√ |
√ |
|
A |
B |
AB Relative Value Portfolio - Class B |
√ |
√ |
|
A |
A |
American Funds - Asset Allocation FundSM Class 4 |
√ |
√ |
|
A |
B |
American Funds - The Bond Fund of AmericaSM - Class 4 |
√ |
√ |
√ |
A |
C |
American Funds - Growth FundSM - Class 4 |
√ |
√ |
|
A |
A |
American Funds - Growth-Income FundSM - Class 4 |
√ |
√ |
|
A |
A |
American Funds - International FundSM - Class 4 |
√ |
√ |
|
A |
A |
American Funds - New World Fund® - Class 4 |
√ |
√ |
|
A |
A |
DFA VA Global Bond Portfolio - Institutional Class |
√ |
√ |
√ |
A |
C |
Fidelity® VIP Balanced Portfolio - Service Class 2 |
√ |
√ |
|
A |
B |
Fidelity® VIP Consumer Staples - Initial Class |
√ |
√ |
|
A |
A |
Fidelity® VIP Contrafund® Portfolio - Service Class 2 |
√ |
√ |
|
A |
A |
Fidelity® VIP Energy Portfolio - Service Class 2 |
√ |
√ |
|
A |
A |
Fidelity® VIP Health Care Portfolio - Service Class 2 |
√ |
√ |
|
A |
A |
Fidelity® VIP Mid Cap Portfolio - Service Class 2 |
√ |
√ |
|
A |
A |
Fidelity® VIP Technology Portfolio - Initial Class |
√ |
√ |
|
A |
A |
Fidelity® VIP Utilities Portfolio - Initial Class |
√ |
√ |
|
A |
A |
Fidelity® VIP Value Strategies Portfolio - Service Class 2 |
√ |
√ |
|
A |
A |
State Street Total Return V.I.S. Fund - Class 3 |
√ |
√ |
|
A |
B |
TA 60/40 Allocation - Service Class |
√ |
√ |
|
A |
B |
TA Aegon Bond - Service Class |
√ |
√ |
√ |
A |
C |
TA Aegon Core Bond - Service Class |
√ |
√ |
√ |
A |
C |
TA Aegon High Yield Bond - Service Class |
√ |
√ |
|
A |
B |
TA Aegon Sustainable Equity Income - Service Class |
√ |
√ |
|
A |
A |
TA Aegon U.S. Government Securities - Service Class |
√ |
√ |
√ |
A |
C |
TA American Funds Managed Risk - Balanced - Service Class(1) |
√ |
√ |
|
A |
B |
TA BlackRock Real Estate Securities - Service Class |
√ |
√ |
|
A |
A |
TA BlackRock Government Money Market - Service Class |
√ |
√ |
√ |
A |
C |
TA BlackRock iShares Active Asset Allocation - Conservative - Service Class(1) |
√ |
√ |
√ |
A |
B |
TA BlackRock iShares Active Asset Allocation - Moderate - Service Class(1) |
√ |
√ |
√ |
A |
B |
TA BlackRock iShares Active Asset Allocation - Moderate Growth - Service Class(1) |
√ |
√ |
|
A |
B |
TA BlackRock iShares Dynamic Allocation - Balanced - Service Class(1) |
√ |
√ |
√ |
A |
B |
TA BlackRock iShares Dynamic Allocation - Moderate Growth - Service Class(1) |
√ |
√ |
|
A |
B |
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Return of Premium Death Benefit |
Annual Step-Up Death Benefit |
Retirement Income Max® 1.2 Rider |
Retirement Income Choice® 1.7 Rider |
Retirement Income Choice® 1.7 Rider |
Subaccounts |
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Prior to 9/1/2020 Group A, B or C |
9/1/2020 and After Group A, B or C |
TA BlackRock iShares Edge 40- Service Class |
√ |
√ |
√ |
A |
B |
TA BlackRock iShares Edge 50 - Service Class |
√ |
√ |
√ |
A |
B |
TA BlackRock iShares Edge 75 - Service Class |
√ |
√ |
|
A |
B |
TA BlackRock iShares Edge 100 - Service Class |
√ |
√ |
|
A |
A |
TA BlackRock iShares Tactical - Balanced - Service Class |
√ |
√ |
|
A |
B |
TA BlackRock iShares Tactical - Conservative - Service Class |
√ |
√ |
|
A |
B |
TA BlackRock iShares Tactical - Growth - Service Class |
√ |
√ |
|
A |
B |
TA BlackRock Tactical Allocation - Service Class(1) |
√ |
√ |
|
A |
B |
TA Goldman Sachs 70/30 - Service Class |
√ |
√ |
|
A |
B |
TA Goldman Sachs Managed Risk - Balanced ETF - Service Class(1) |
√ |
√ |
√ |
A |
B |
TA Goldman Sachs Managed Risk - Conservative ETF - Service Class(1) |
√ |
√ |
√ |
A |
B |
TA Goldman Sachs Managed Risk - Growth ETF - Service Class(1) |
√ |
√ |
|
A |
B |
TA Great Lakes Advisors Large Cap Value - Service Class |
√ |
√ |
|
A |
A |
TA International Focus - Service Class |
√ |
√ |
|
A |
A |
TA Janus Balanced - Service Class |
√ |
√ |
|
A |
B |
TA Janus Mid-Cap Growth - Service Class |
√ |
√ |
|
A |
A |
TA JPMorgan Asset Allocation - Conservative - Service Class(1) |
√ |
√ |
√ |
A |
B |
TA JPMorgan Asset Allocation - Growth - Service Class |
√ |
√ |
|
A |
A |
TA JPMorgan Asset Allocation - Moderate - Service Class(1) |
√ |
√ |
√ |
A |
B |
TA JPMorgan Asset Allocation - Moderate Growth - Service Class(1) |
√ |
√ |
|
A |
B |
TA JPMorgan Enhanced Index - Service Class |
√ |
√ |
|
A |
A |
TA JPMorgan International Moderate Growth - Service Class(1) |
√ |
√ |
|
A |
B |
TA JPMorgan Tactical Allocation - Service Class |
√ |
√ |
√ |
A |
B |
TA Madison Diversified Income - Service Class |
√ |
√ |
√ |
A |
B |
TA Market Participation Strategy - Service Class(1) |
√ |
√ |
|
A |
B |
TA Morgan Stanley Global Allocation - Service Class |
√ |
√ |
|
A |
B |
TA Morgan Stanley Global Allocation Managed Risk - Balanced - Service Class(1) |
√ |
√ |
|
A |
B |
TA MSCI EAFE Index - Service Class |
√ |
√ |
|
A |
A |
TA Multi-Managed Balanced - Service Class |
√ |
√ |
|
A |
B |
TA PineBridge Inflation Opportunities - Service Class |
√ |
√ |
√ |
A |
C |
TA S&P 500 Index - Service Class |
√ |
√ |
|
A |
A |
TA Small Mid Cap Value - Service Class |
√ |
√ |
|
A |
A |
TA T. Rowe Price Small Cap - Service Class |
√ |
√ |
|
A |
A |
TA TS&W International Equity - Service Class |
√ |
√ |
|
A |
A |
TA TS&W Mid Cap Value Opportunities - Service Class |
√ |
√ |
|
A |
A |
TA WMC US Growth - Service Class |
√ |
√ |
|
A |
A |
Vanguard® VIF Balanced Portfolio |
√ |
√ |
|
A |
B |
Vanguard® VIF Conservative Allocation Portfolio |
√ |
√ |
√ |
A |
B |
|
Return of Premium Death Benefit |
Annual Step-Up Death Benefit |
Retirement Income Max® 1.2 Rider |
Retirement Income Choice® 1.7 Rider |
Retirement Income Choice® 1.7 Rider |
Subaccounts |
|
|
|
Prior to 9/1/2020 Group A, B or C |
9/1/2020 and After Group A, B or C |
Vanguard® VIF Mid-Cap Index Portfolio |
√ |
√ |
|
A |
A |
Vanguard® VIF Moderate Allocation Portfolio |
√ |
√ |
|
A |
B |
Fixed Account |
√ |
√ |
√ |
A |
C |
|
Select Investment Options |
Flexible Investment Options |
Subaccounts |
|
|
AB Balanced Hedged Allocation Portfolio - Class B |
|
√ |
AB Relative Value Portfolio - Class B |
|
√ |
American Funds - Asset Allocation FundSM Class 4 |
|
√ |
American Funds - Growth FundSM - Class 4 |
|
√ |
American Funds - Growth-Income FundSM - Class 4 |
|
√ |
American Funds - International FundSM - Class 4 |
|
√ |
American Funds - New World Fund® - Class 4 |
|
√ |
American Funds - The Bond Fund of AmericaSM - Class 4 |
√ |
|
DFA VA Global Bond Portfolio - Institutional Class |
√ |
|
Fidelity® VIP Balanced Portfolio - Service Class 2 |
|
√ |
Fidelity® VIP Consumer Staples - Initial Class |
|
√ |
Fidelity® VIP Contrafund® Portfolio - Service Class 2 |
|
√ |
Fidelity® VIP Energy Portfolio - Service Class 2 |
|
√ |
Fidelity® VIP Health Care Portfolio - Service Class 2 |
|
√ |
Fidelity® VIP Mid Cap Portfolio - Service Class 2 |
|
√ |
Fidelity® VIP Technology Portfolio - Initial Class |
|
√ |
Fidelity® VIP Utilities Portfolio - Initial Class |
|
√ |
Fidelity® VIP Value Strategies Portfolio - Service Class 2 |
|
√ |
State Street Total Return V.I.S. Fund - Class 3 |
|
√ |
TA 60/40 Allocation - Service Class |
|
√ |
TA Aegon Bond - Service Class |
√ |
|
TA Aegon Core Bond - Service Class |
√ |
|
TA Aegon High Yield Bond - Service Class |
|
√ |
TA Aegon Sustainable Equity Income - Service Class |
|
√ |
TA Aegon U.S. Government Securities - Service Class |
√ |
|
TA American Funds Managed Risk - Balanced - Service Class(1) |
|
√ |
TA BlackRock Government Money Market - Service Class |
√ |
|
TA BlackRock iShares Active Asset Allocation - Conservative - Service Class(1) |
|
√ |
TA BlackRock iShares Active Asset Allocation - Moderate - Service Class(1) |
|
√ |
TA BlackRock iShares Active Asset Allocation - Moderate Growth - Service Class(1) |
|
√ |
TA BlackRock iShares Dynamic Allocation - Balanced - Service Class(1) |
|
√ |
TA BlackRock iShares Dynamic Allocation - Moderate Growth - Service Class(1) |
|
√ |
TA BlackRock iShares Edge 40- Service Class |
|
√ |
TA BlackRock iShares Edge 50 - Service Class |
|
√ |
TA BlackRock iShares Edge 75 - Service Class |
|
√ |
|
Select Investment Options |
Flexible Investment Options |
Subaccounts |
|
|
TA BlackRock iShares Edge 100 - Service Class |
|
√ |
TA BlackRock iShares Tactical - Balanced - Service Class |
|
√ |
TA BlackRock iShares Tactical - Conservative - Service Class |
|
√ |
TA BlackRock iShares Tactical - Growth - Service Class |
|
√ |
TA BlackRock Real Estate Securities - Service Class |
|
√ |
TA BlackRock Tactical Allocation - Service Class(1) |
|
√ |
TA Goldman Sachs 70/30 - Service Class |
|
√ |
TA Goldman Sachs Managed Risk - Balanced ETF - Service Class(1) |
|
√ |
TA Goldman Sachs Managed Risk - Conservative ETF - Service Class(1) |
|
√ |
TA Goldman Sachs Managed Risk - Growth ETF - Service Class(1) |
|
√ |
TA Great Lakes Advisors Large Cap Value - Service Class |
|
√ |
TA International Focus - Service Class |
|
√ |
TA Janus Balanced - Service Class |
|
√ |
TA Janus Mid-Cap Growth - Service Class |
|
√ |
TA JPMorgan Asset Allocation - Conservative - Service Class(1) |
|
√ |
TA JPMorgan Asset Allocation - Growth - Service Class |
|
√ |
TA JPMorgan Asset Allocation - Moderate - Service Class(1) |
|
√ |
TA JPMorgan Asset Allocation - Moderate Growth - Service Class(1) |
|
√ |
TA JPMorgan Enhanced Index - Service Class |
|
√ |
TA JPMorgan International Moderate Growth - Service Class(1) |
|
√ |
TA JPMorgan Tactical Allocation - Service Class |
|
√ |
TA Madison Diversified Income - Service Class |
|
√ |
TA Market Participation Strategy - Service Class(1) |
|
√ |
TA Morgan Stanley Global Allocation - Service Class |
|
√ |
TA Morgan Stanley Global Allocation Managed Risk - Balanced - Service Class(1) |
|
√ |
TA MSCI EAFE Index - Service Class |
|
√ |
TA Multi-Managed Balanced - Service Class |
|
√ |
TA PineBridge Inflation Opportunities - Service Class |
√ |
|
TA S&P 500 Index - Service Class |
|
√ |
TA Small Mid Cap Value - Service Class |
|
√ |
TA T. Rowe Price Small Cap - Service Class |
|
√ |
TA TS&W International Equity - Service Class |
|
√ |
TA TS&W Mid Cap Value Opportunities - Service Class |
|
√ |
TA WMC US Growth - Service Class |
|
√ |
Vanguard® VIF Balanced Portfolio |
|
√ |
Vanguard® VIF Conservative Allocation Portfolio |
|
√ |
Vanguard® VIF Mid-Cap Index Portfolio |
|
√ |
Vanguard® VIF Moderate Allocation Portfolio |
|
√ |
American Funds Static Allocation: |
Allocation % |
American Funds - Asset Allocation FundSM Class 4 |
37.5% |
American Funds - Growth FundSM - Class 4 |
7.5% |
American Funds - International FundSM - Class 4 |
5.0% |
American Funds - The Bond Fund of AmericaSM - Class 4 |
50.0% |
Transamerica Static Allocation – Active: |
Allocation % |
TA Aegon Core Bond - Service Class |
65.0% |
TA Aegon High Yield Bond - Service Class |
5.0% |
TA Great Lakes Advisors Large Cap Value - Service Class |
16.0% |
TA International Focus - Service Class |
3.0% |
TA T. Rowe Price Small Cap - Service Class |
3.0% |
TA WMC US Growth - Service Class |
8.0% |
Transamerica Static Allocation – Passive: |
Allocation % |
TA Aegon Core Bond - Service Class |
65.0% |
TA MSCI EAFE Index - Service Class |
4.0% |
TA S&P 500 Index - Service Class |
31.0% |
S* (G-C)* (M/12) | ||
S |
= |
Is the amount (before surrender charges, premium taxes and the application of any Guaranteed Minimum Death Benefits, if any) being surrendered, withdrawn, transferred, paid upon death, or applied to an income option that is subject to the Excess Interest Adjustment. |
G |
= |
Is the guaranteed interest rate for the guaranteed period applicable to “S”; |
C |
= |
Is the current guaranteed interest rate then being offered on new premium payments for the next longer option period than “M”. If this Policy form or such an option period is no longer offered, “C” will be the U.S. Treasury rate for the next longer maturity (in whole years) than “M” on the 25th day of the previous calendar month; and |
M |
= |
Number of months remaining in the current option period for “S”, rounded up to the next higher whole number of months. |
* |
= |
Multiplication |
Policy Value at middle of Policy Year 2 |
= 50,000.00 * (1.055) ^ 1.5 = 54,181.21 |
Cumulative earnings |
= 54,181.21 – 50,000.00 = 4,181.21 |
Amount free of Excess Interest Adjustment |
= 4,181.21 |
Amount subject to Excess Interest Adjustment |
= 54,181.21 – 4,181.21 = 50,000.00 |
Excess Interest Adjustment floor |
= 50,000.00 * (1.015) ^ 1.5 = 51,129.21 |
Excess Interest Adjustment S*(G-C)*(M/12) where: |
G = .055 C = .085 M = 42 = 50,000.00 * (0.055 - 0.085) * (42/12) |
|
= -5,250.00, but Excess Interest Adjustment cannot cause the Adjusted Policy Value to fall below the Excess Interest Adjustment floor, so the adjustment is limited to 51,129.21 - 54,181.21 = -3,052.00 |
Adjusted Policy Value = Policy Value + Excess Interest Adjustment |
= 54,181.21 + (-3,052.00) = 51,129.21 |
Policy Value at middle of Policy Year 2 |
= 50,000.00 * (1.055) ^ 1.5 = 54,181.21 |
Cumulative earnings |
= 54,181.21 – 50,000.00 = 4,181.21 |
Amount free of Excess Interest Adjustment |
= 4,181.21 |
Amount subject to Excess Interest Adjustment |
= 54,181.21 – 4,181.21 = 50,000.00 |
Excess Interest Adjustment floor |
= 50,000.00 * (1.015) ^ 1.5 = 51,129.21 |
Excess Interest Adjustment S* (G-C)* (M/12) where: |
G = .055 C = .045 M = 42 = 50,000.00 * (.055-.045) * (42/12) = 1,750.00 |
Adjusted Policy Value |
= 54,181.21 + 1,750.00 = 55,931.21 |
R - E + SC | ||
R |
= |
the requested withdrawal; |
E |
= |
the Excess Interest Adjustment; and |
SC |
= |
the Surrender Charges on (EPW - E): where |
EPW |
= |
the excess partial withdrawal amount. |
Policy Value at middle of Policy Year 2 |
= 50,000.00 * (1.055) ^ 1.5 = 54,181.21 |
Cumulative earnings |
= 54,181.21 – 50,000.00 = 4,181.21 |
Amount free of Excess Interest Adjustment |
= 4,181.21 |
Excess Interest Adjustment S*(G-C)*(M/12) where: |
S = 20,000 – 4,181.21 = 15,818.79 G = .055 C = .065 M = 42 = 15,818.79 * (.055 - .065) * (42/12) = -553.66 |
Remaining Policy Value at middle of Policy Year 2 |
= 54,181.21 - (R - E + Surrender Charge) = 54,181.21 - (20,000.00 - (-553.66) + 0.00) = 33,627.55 |
Policy Value at middle of Policy Year 2 |
= 50,000.00 * (1.055) ^ 1.5 = 54,181.21 |
Cumulative earnings |
= 54,181.21 – 50,000.00 = 4,181.21 |
Amount free of Excess Interest Adjustment |
= 4,181.21 |
Excess Interest Adjustment S*(G-C)*(M/12) where: |
S = 20,000 – 4,181.21 = 15,818.79 G = .055 C = .045 M = 42 = 15,818.79 * (.055 - .045)* (42/12) = 553.66 |
Remaining Policy Value at middle of Policy Year 2 |
= 54,181.21 - (R - E + Surrender Charge) = 54,181.21 - (20,000.00 – 553.66 + 0.00) = 34,734.87 |
Reduction in guaranteed minimum death benefit |
=$23,241 |
Reduction in Policy Value |
=$15,494 |
New guaranteed minimum death benefit amount |
=$51,759 |
New Policy Value (after withdrawal) |
=$34,506 |
Reduction in guaranteed minimum death benefit |
=$15,494 |
Reduction in Policy Value |
=$15,494 |
New guaranteed minimum death benefit amount |
=$34,506 |
New Policy Value (after withdrawal) |
=$59,506 |
End of Year |
Net Rate of Return* |
Policy Value (No GMDB Elected) |
Policy Value (Return of Premium GMDB Elected) |
Return of Premium GMDB |
Policy Value (Annual Step-Up GMDB Elected) |
Annual Step-Up GMDB |
Issue |
N/A |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
1 |
-4% |
$94,850 |
$94,700 |
$100,000 |
$94,500 |
$100,000 |
2 |
18% |
$110,832 |
$110,515 |
$100,000 |
$110,093 |
$110,093 |
3 |
15% |
$126,182 |
$125,655 |
$100,000 |
$124,955 |
$124,955 |
4 |
-7% |
$115,899 |
$115,226 |
$100,000 |
$114,334 |
$124,955 |
5 |
2% |
$116,884 |
$116,033 |
$100,000 |
$114,905 |
$124,955 |
6 |
10% |
$127,228 |
$126,127 |
$100,000 |
$124,672 |
$124,955 |
7 |
14% |
$143,577 |
$142,146 |
$100,000 |
$140,257 |
$140,257 |
8 |
-3% |
$137,618 |
$136,033 |
$100,000 |
$133,945 |
$140,257 |
9 |
17% |
$159,431 |
$157,391 |
$100,000 |
$154,706 |
$154,706 |
10 |
6% |
$167,163 |
$164,788 |
$100,000 |
$161,668 |
$161,668 |
Rider earnings on date of surrender (Policy Value on date of surrender – Policy Value on rider date – premiums paid after rider date + surrenders since rider date that exceeded rider earnings = $150,000 - $100,000 - $25,000 + 0): |
$25,000 |
Amount of surrender that exceeds rider earnings ($30,000 - $25,000): |
$5,000 |
Base Policy death benefit (assumed) on the date of death benefit calculation: |
$200,000 |
Policy Value on the date of death benefit calculations: |
$175,000 |
Rider earnings (= Policy Value on date of death benefit calculations – Policy Value on rider date – premiums since rider date + surrenders since rider date that exceeded rider earnings = $175,000 - $100,000 - $25,000 + $5,000): |
$55,000 |
Additional death benefit amount (= additional death benefit factor * rider earnings = 40%* $55,000): |
$22,000 |
Total death benefit paid (= base Policy death benefit plus additional death benefit amount): |
$222,000 |
Rider earnings (= Policy Value on date of death benefit calculations – Policy Value on rider date – premiums since rider date + surrenders since rider date that exceeded rider earnings = $75,000 - $100,000 - $0 + $0): |
$0 |
Additional death benefit amount (= additional death benefit factor * rider earnings = 40%* $0): |
$0 |
Total death benefit paid (= base Policy death benefit plus additional death benefit amount): |
$100,000 |
Rider fee on second rider anniversary (= rider fee * Policy Value = 0.55% * $95,000) |
$522.50 |
Additional death benefit during 3rd rider year (= sum of total rider fees paid = $605 + $522.50) |
$1,127.50 |
Rider benefit base in 3rd rider year prior to premium addition (= account value less premiums added since rider date = $115,000 – $0) |
$115,000.00 |
Rider benefit base in 3rd rider year after premium addition (= $140,000 - $25,000) |
$115,000.00 |
Rider benefit base in 4th rider year prior to withdrawal (= account value less premiums added since rider date = $145,000 - $25,000) |
$120,000.00 |
Rider benefit base in 4th rider year after withdrawal = (account value less premiums added since rider date =$110,000 - $25,000) |
$85,000.00 |
Rider benefit base in 5th rider year (= $130,000 - $25,000) |
$105,000.00 |
Additional death benefit = rider benefit percentage * rider benefit base = 30% * $105,000 |
$31,500.00 |
Total Death Proceeds in 5th rider year (= base Policy Death Proceeds + additional death benefit amount = $145,000 + $31,500) |
$176,500.00 |
Investment Option Allocations: |
Initial Premium Allocations |
Initial Premium Allocation Percentages |
Stable Account |
$20,000 |
20% |
Select Investment Option Fund A |
$13,000 |
13% |
Select Investment Option Fund B |
$13,000 |
13% |
Select Investment Option Fund C |
$4,000 |
4% |
Total Select Investment Options |
$30,000 |
30% |
Flexible Investment Option Fund A |
$14,000 |
14% |
Flexible Investment Option Fund B |
$14,000 |
14% |
Flexible Investment Option Fund C |
$22,000 |
22% |
Total Flexible Investment Options |
$50,000 |
50% |
Total Investments |
$100,000 |
100% |
Investment Option Allocations: |
Initial Allocations |
Initial Allocation Percentages |
Rebalancing Allocation Percentages |
Stable Account |
$20,000 |
20% |
N/A |
Total Select Investment Options |
$30,000 |
30% |
37.5% |
Total Flexible Investment Options |
$50,000 |
50% |
62.5% |
Total Investments |
$100,000 |
100% |
100% |
Rider Year |
Hypothetical Policy Value |
Subsequent Premium Payment |
Withdrawal |
Growth Component Adjustment |
Step-Up Component Adjustment |
Growth Component |
Step-Up Component |
Withdrawal Base |
Rider Withdrawal Amount |
|
$100,000 |
$ |
$ |
$ |
|
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$102,000 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$105,060 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$107,161 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$110,376 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$112,584 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$115,961 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$118,280 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$121,829 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$124,265 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$120,537 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$115,716 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$109,930 |
$ |
$ |
$ |
$ |
$124,2653 |
$124,265 |
$124,2651 |
$7,829 |
2 |
$112,129 |
$ |
$ |
$ |
$ |
$124,265 |
$124,265 |
$124,265 |
$7,829 |
2 |
$115,492 |
$ |
$ |
$ |
$ |
$124,265 |
$124,265 |
$124,265 |
$7,829 |
2 |
$117,802 |
$ |
$ |
$ |
$ |
$124,265 |
$124,265 |
$124,265 |
$7,829 |
2 |
$121,336 |
$ |
$ |
$ |
$ |
$124,265 |
$124,265 |
$124,265 |
$7,829 |
2 |
$124,976 |
$ |
$ |
$ |
$ |
$124,265 |
$124,265 |
$124,265 |
$7,829 |
2 |
$177,476 |
$50,000 |
$ |
$ |
$ |
$174,265 |
$174,265 |
$174,265 |
$10,979 |
2 |
$175,701 |
$ |
$ |
$ |
$ |
$174,265 |
$174,265 |
$174,265 |
$10,979 |
2 |
$172,187 |
$ |
$ |
$ |
$ |
$174,265 |
$174,265 |
$174,265 |
$10,979 |
2 |
$167,022 |
$ |
$ |
$ |
$ |
$174,265 |
$174,265 |
$174,265 |
$10,979 |
2 |
$163,681 |
$ |
$ |
$ |
$ |
$174,265 |
$174,265 |
$174,265 |
$10,979 |
2 |
$166,955 |
$ |
$ |
$ |
$ |
$174,265 |
$174,265 |
$174,265 |
$10,979 |
2 |
$170,294 |
$ |
$ |
$ |
$ |
$182,9793 |
$177,476 |
$182,9792 |
$11,528 |
3 |
$166,888 |
$ |
$ |
$ |
$ |
$182,979 |
$177,476 |
$182,979 |
$11,528 |
3 |
$171,895 |
$ |
$ |
$ |
$ |
$182,979 |
$177,476 |
$182,979 |
$11,528 |
3 |
$173,614 |
$ |
$ |
$ |
$ |
$182,979 |
$177,476 |
$182,979 |
$11,528 |
3 |
$178,822 |
$ |
$ |
$ |
$ |
$182,979 |
$177,476 |
$182,979 |
$11,528 |
3 |
$175,246 |
$ |
$ |
$ |
$ |
$182,979 |
$177,476 |
$182,979 |
$11,528 |
3 |
$151,741 |
$ |
$20,000 |
$9,676 |
$9,385 |
$173,302 |
$168,091 |
$173,303 |
$ |
3 |
$154,775 |
$ |
$ |
$ |
$ |
$173,302 |
$168,091 |
$173,303 |
$ |
3 |
$159,419 |
$ |
$ |
$ |
$ |
$173,302 |
$168,091 |
$173,303 |
$ |
3 |
$161,013 |
$ |
$ |
$ |
$ |
$173,302 |
$168,091 |
$173,303 |
$ |
3 |
$165,843 |
$ |
$ |
$ |
$ |
$173,302 |
$168,091 |
$173,303 |
$ |
3 |
$174,135 |
$ |
$ |
$ |
$ |
$173,302 |
$168,091 |
$173,303 |
$ |
Rider Year |
Hypothetical Policy Value |
Subsequent Premium Payment |
Withdrawal |
Growth Component Adjustment |
Step-Up Component Adjustment |
Growth Component |
Step-Up Component |
Withdrawal Base |
Rider Withdrawal Amount |
3 |
$181,101 |
$ |
$ |
$ |
$ |
$181,1013 |
$181,101 |
$181,1011 |
$11,409 |
Rider Year |
Hypothetical Policy Value |
Subsequent Premium Payment |
Withdrawal |
Growth Component Adjustment |
Step-Up Component Adjustment |
Growth Component |
Step-Up Component |
Withdrawal Base |
Rider Withdrawal Amount |
|
$100,000 |
$ |
$ |
$ |
|
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$102,000 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$105,060 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$107,161 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$110,376 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$112,584 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$115,961 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$118,280 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$121,829 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$124,265 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$120,537 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$115,716 |
$ |
$ |
$ |
$ |
$100,000 |
$100,000 |
$100,000 |
$6,300 |
1 |
$109,930 |
$ |
$ |
$ |
$ |
$109,9303 |
$109,930 |
$109,9301 |
$6,926 |
2 |
$112,129 |
$ |
$ |
$ |
$ |
$109,930 |
$109,930 |
$109,930 |
$6,926 |
2 |
$115,492 |
$ |
$ |
$ |
$ |
$109,930 |
$109,930 |
$109,930 |
$6,926 |
2 |
$117,802 |
$ |
$ |
$ |
$ |
$109,930 |
$109,930 |
$109,930 |
$6,926 |
2 |
$121,336 |
$ |
$ |
$ |
$ |
$109,930 |
$109,930 |
$109,930 |
$6,926 |
2 |
$124,976 |
$ |
$ |
$ |
$ |
$109,930 |
$109,930 |
$109,930 |
$6,926 |
2 |
$177,476 |
$50,000 |
$ |
$ |
$ |
$159,930 |
$159,930 |
$159,930 |
$10,076 |
2 |
$175,701 |
$ |
$ |
$ |
$ |
$159,930 |
$159,930 |
$159,930 |
$10,076 |
2 |
$172,187 |
$ |
$ |
$ |
$ |
$159,930 |
$159,930 |
$159,930 |
$10,076 |
2 |
$167,022 |
$ |
$ |
$ |
$ |
$159,930 |
$159,930 |
$159,930 |
$10,076 |
2 |
$163,681 |
$ |
$ |
$ |
$ |
$159,930 |
$159,930 |
$159,930 |
$10,076 |
2 |
$166,955 |
$ |
$ |
$ |
$ |
$159,930 |
$159,930 |
$159,930 |
$10,076 |
2 |
$170,294 |
$ |
$ |
$ |
$ |
$170,294 |
$170,294 |
$170,2942 |
$10,729 |
3 |
$166,888 |
$ |
$ |
$ |
$ |
$170,294 |
$170,294 |
$170,294 |
$10,729 |
3 |
$171,895 |
$ |
$ |
$ |
$ |
$170,294 |
$170,294 |
$170,294 |
$10,729 |
3 |
$173,614 |
$ |
$ |
$ |
$ |
$170,294 |
$170,294 |
$170,294 |
$10,729 |
3 |
$178,822 |
$ |
$ |
$ |
$ |
$170,294 |
$170,294 |
$170,294 |
$10,729 |
3 |
$175,246 |
$ |
$ |
$ |
$ |
$170,294 |
$170,294 |
$170,294 |
$10,729 |
3 |
$151,741 |
$ |
$20,000 |
$9,806 |
$9,806 |
$160,488 |
$160,488 |
$160,488 |
$ |
3 |
$154,775 |
$ |
$ |
$ |
$ |
$160,488 |
$160,488 |
$160,488 |
$ |
3 |
$159,419 |
$ |
$ |
$ |
$ |
$160,488 |
$160,488 |
$160,488 |
$ |
3 |
$161,013 |
$ |
$ |
$ |
$ |
$160,488 |
$160,488 |
$160,488 |
$ |
3 |
$165,843 |
$ |
$ |
$ |
$ |
$160,488 |
$160,488 |
$160,488 |
$ |
3 |
$174,135 |
$ |
$ |
$ |
$ |
$160,488 |
$160,488 |
$160,488 |
$ |
Rider Year |
Hypothetical Policy Value |
Subsequent Premium Payment |
Withdrawal |
Growth Component Adjustment |
Step-Up Component Adjustment |
Growth Component |
Step-Up Component |
Withdrawal Base |
Rider Withdrawal Amount |
3 |
$181,101 |
$ |
$ |
$ |
$ |
$181,1013 |
$181,101 |
$181,1011 |
$11,409 |
Rider Year |
Hypothetical Policy Value |
Subsequent Premium Payment |
Withdrawal |
Excess WB Adjustment |
Withdrawal Base |
Rider Withdrawal Amount |
|
$100,000 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$102,000 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$105,060 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$107,161 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$110,376 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$112,584 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$115,961 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$118,280 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$121,829 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$124,265 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$120,537 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$115,716 |
$ |
$ |
$ |
$100,000 |
$6,000 |
1 |
$109,930 |
$ |
$ |
$ |
$109,930 |
$6,596 |
2 |
$112,129 |
$ |
$ |
$ |
$109,930 |
$6,596 |
2 |
$115,492 |
$ |
$ |
$ |
$109,930 |
$6,596 |
2 |
$117,802 |
$ |
$ |
$ |
$109,930 |
$6,596 |
2 |
$121,336 |
$ |
$ |
$ |
$109,930 |
$6,596 |
2 |
$124,976 |
$ |
$ |
$ |
$109,930 |
$6,596 |
2 |
$177,476 |
$50,000 |
$ |
$ |
$159,930 |
$9,596 |
2 |
$175,701 |
$ |
$ |
$ |
$159,930 |
$9,596 |
2 |
$172,187 |
$ |
$ |
$ |
$159,930 |
$9,596 |
2 |
$167,022 |
$ |
$ |
$ |
$159,930 |
$9,596 |
2 |
$163,681 |
$ |
$ |
$ |
$159,930 |
$9,596 |
2 |
$166,955 |
$ |
$ |
$ |
$159,930 |
$9,596 |
2 |
$170,294 |
$ |
$ |
$ |
$170,2941 |
$10,218 |
3 |
$166,888 |
$ |
$ |
$ |
$170,294 |
$10,218 |
3 |
$171,895 |
$ |
$ |
$ |
$170,294 |
$10,218 |
3 |
$173,614 |
$ |
$ |
$ |
$170,294 |
$10,218 |
3 |
$178,822 |
$ |
$ |
$ |
$170,294 |
$10,218 |
3 |
$175,246 |
$ |
$ |
$ |
$170,294 |
$10,218 |
3 |
$151,741 |
$ |
$20,000 |
$10,314 |
$159,980 |
$ |
3 |
$154,775 |
$ |
$ |
$ |
$159,980 |
$ |
3 |
$159,419 |
$ |
$ |
$ |
$159,980 |
$ |
3 |
$161,013 |
$ |
$ |
$ |
$159,980 |
$ |
3 |
$165,843 |
$ |
$ |
$ |
$159,980 |
$ |
3 |
$174,135 |
$ |
$ |
$ |
$159,980 |
$ |
3 |
$181,101 |
$ |
$ |
$ |
$181,1011 |
$10,866 |