Fees and Expenses [Text Block]


FEES AND EXPENSES					Location in Prospectus
Are There Charges for Early Withdrawals?	No fee is charged by the Contract for redemption.				N/A
Are There Transaction Charges?	No.				Transfers
Are There Ongoing Fees and Expenses (annual charges)?	Yes, The table below describes the fees and expenses that you may pay each year, for your Contract depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.				Annual Contract Charges Appendix: Investment Options Available Under the Contract Annuity Contract Fee Tables And Expense Examples
	Annual Fee	Minimum		Maximum
	Base Contract	1.10%		1.25%
	Annual Contract Fee¹	None		$50
	Investment options² (Portfolio Company fees and expenses)	0.37%		1.09%
	Optional Benefit Expenses None
	¹TFLIC does not currently assess an Annual Contract fee.
	² As a percentage of Portfolio Company assets.
	To help you understand the cost of owning your Contract, 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 Contract.
	Lowest Annual Cost Estimate: $1,496		Highest Annual Cost Estimate: $2,371
	Assumes: ● Investment of $100,000 ● 5% annual return ● Least expensive fund fees and expenses ● No optional benefits ● No sales charges No additional purchase payments, transfers or withdrawals		Assumes: ● Investment of $100,000 ● 5% annual return ● Most expensive fund fees and expenses ● No optional benefits ● No sales charges No additional purchase payments, transfers or withdrawals

Charges for Early Withdrawals [Text Block]

No fee is charged by the Contract for redemption.

Transaction Charges [Text Block]

No.

Ongoing Fees and Expenses [Table Text Block]

Yes, The table below describes the fees and expenses that you may pay each year, for your Contract depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.

Annual Contract Charges

Appendix: Investment Options Available Under the Contract

Annuity Contract Fee Tables And Expense Examples

Annual Fee Minimum Maximum Base Contract 1.10% 1.25%

Annual Contract Fee¹

None

$50

Investment options²

(Portfolio Company fees and expenses)

0.37%

1.09%

Optional Benefit Expenses None

¹TFLIC does not currently assess an Annual Contract fee.

² As a percentage of Portfolio Company assets.

To help you understand the cost of owning your Contract, 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 Contract.

Lowest Annual Cost Estimate:

$1,496

Highest Annual Cost Estimate:

$2,371

Assumes:

● Investment of $100,000

● 5% annual return

● Least expensive fund fees and expenses

● No optional benefits

● No sales charges

No additional purchase payments, transfers or withdrawals

Assumes:

● Investment of $100,000

● 5% annual return

● Most expensive fund fees and expenses

● No optional benefits

● No sales charges

No additional purchase payments, transfers or withdrawals

Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent]

1.10%

Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent]

1.25%

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.37%

^[1]

Investment Options (of Average Annual Net Assets) Maximum [Percent]

1.09%

^[1]

Optional Benefits Minimum [Percent]

0.00%

Investment Options Footnotes [Text Block]

As a percentage of Portfolio Company assets.

Lowest and Highest Annual Cost [Table Text Block]

Lowest Annual Cost Estimate:

$1,496

Highest Annual Cost Estimate:

$2,371

Assumes:

● Investment of $100,000

● 5% annual return

● Least expensive fund fees and expenses

● No optional benefits

● No sales charges

No additional purchase payments, transfers or withdrawals

Assumes:

● Investment of $100,000

● 5% annual return

● Most expensive fund fees and expenses

● No optional benefits

● No sales charges

No additional purchase payments, transfers or withdrawals

Lowest Annual Cost [Dollars]

$ 1,496

Highest Annual Cost [Dollars]

$ 2,371

Risks [Table Text Block]

RISKSLocation in Prospectus Is There a Risk of Loss From Poor Performance?Yes. You can lose money by investing in this Contract, including loss of principal.Principal Risks of Investing in the Contract

Is this a Short-Term Investment?

No. This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.

The Contract is designed and offered as funding vehicles for retirement plans maintained by state educational organizations, certain tax-exempt organizations, IRA contractholders, and taxed organizations in the case of the Section 401(a) and/or Section 401(k) contracts and corporate nonqualified deferred compensation contracts.

Principal Risks of Investing in the Contract

Federal Income Tax Status

What Are the Risks Associated with Investment Options ?

An investment in the Contract is subject to the risk of poor investment performance. The investment performance of your Contract can vary depending on the performance of the Subaccounts options that you choose.

Each Subaccount has its own unique risks. You should review the Subaccounts carefully before making an investment decisio

Prospectus of each Portfolio Company

Appendix- Investment Options available under Your Contract

What Are the Risks Related to the Insurance Company?

An investment in the Contract is subject to the risks related to Transamerica Financial Life Insurance Company. Any obligations, guarantees, and benefits under the Contract are subject to our claims-paying ability.

More information about Transamerica Financial Life Insurance Company, including our financial strength ratings, is available by visiting www.transamerica.com or calling toll-free[(800) 755-5801.

Principal Risks of Investing in the Contract

Investment Restrictions [Text Block]

Yes. We reserve the right to remove or substitute the Portfolio Companies that are available as investment options under the Contract.

Tax Implications [Text Block]

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

If you purchased the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral.

Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59½.

Investment Professional Compensation [Text Block]

Some investment professionals may receive compensation for selling the Contract to investors in the form of commissions and other incentives. This conflict of interest may influence your investment professional to recommend the Contract over another investment.

Exchanges [Text Block]

Some investment professionals may have a financial incentive to offer you a new Contract in place of the one you already own. You should only exchange your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is preferable for you to purchase the new Contract rather than continue to own your existing Contract.

Item 4. Fee Table [Line Items]

Item 4. Fee Table [Text Block]

Annuity Contract Fee Tables And Expense Examples

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract.

The first table describes the fees and expenses that you will, directly or indirectly pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract value between investment options. State premium taxes may be deducted upon the purchase of a Fixed Annuity under the Contract.


Transaction Expenses
Sales Load On Purchase Payments	0%
Maximum Surrender Charge (as a % of premium payments surrendered)	0%
Exchange Fee	$0

The following table shows the fees and expenses that you will pay each year during the time that you own the Contract not including the fees and expenses of the Underlying Investments.

Annual Contract Expenses:


Base Contract Annual Expenses (as a percentage of average account value)
Annual Contract Fee	$ 50⁽¹⁾
Base Contract Fee	1.25%⁽²⁾

⁽¹⁾TFLIC reserves the right to deduct an annual contract charge from a Participant’s Accumulation Account in accordance with the provisions of the Contracts. TFLIC has no present intention to impose such a charge, but it may do so in the future.

⁽²⁾TFLIC currently charges mortality and expense risk fees of 1.10% and reserves the right to charge maximum mortality and expense risk fees of up to 1.25% upon notice.

The next table shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the Contract. A complete list of the Portfolio Companies available under the Contract, including their annual expenses, may be found under Appendix: Investment Options Available Under the Contract

Annual Portfolio Company Expenses⁽¹⁾	Minimum	Maximum
Expenses (expenses that are deducted from Underlying Investment assets, including management fees, distribution and/or service and 12b-1 fees, and other expenses)	0.37%	1.09%

The expenses shown are those incurred for the year ended October 31, 2025, Current or future expenses may be greater or less than those shown.

Expense Example:

These examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include Separate Account annual expenses and the fees and expenses of the Underlying Investments.

If you (i) surrender your Contract at the end of the applicable time period, (ii) annuitize at the end of the applicable period or (iii) do not surrender your Contract, you would pay the following expenses on a $100,000 investment. These examples assume a 5% return each year (this assumption is required by the SEC and is not a prediction of any Subaccount’s future performance). These examples should not be considered a representation of past or future expenses, and actual expenses may be greater or lesser than those shown.

The following example is based on fees before waivers and reimbursements and reflects the imposition of the maximum mortality and expense risk charge (1.25%) which may be imposed by TFLIC, and investing in the Portfolio Company with the maximum expenses (1.02%).

After 1 Year	After 3 Years	After 5 Years	After 10 Years
$2,371	$7,304	$12,503	$26,761

Transaction Expenses [Table Text Block]


Transaction Expenses
Sales Load On Purchase Payments	0%
Maximum Surrender Charge (as a % of premium payments surrendered)	0%
Exchange Fee	$0

Sales Load (of Purchase Payments), Current [Percent]

0.00%

Deferred Sales Load (of Purchase Payments), Current [Percent]

0.00%

Other Transaction Fee, Current [Dollars]

$ 0

Annual Contract Expenses [Table Text Block]

The following table shows the fees and expenses that you will pay each year during the time that you own the Contract not including the fees and expenses of the Underlying Investments.

Annual Contract Expenses:


Base Contract Annual Expenses (as a percentage of average account value)
Annual Contract Fee	$ 50⁽¹⁾
Base Contract Fee	1.25%⁽²⁾

⁽²⁾TFLIC currently charges mortality and expense risk fees of 1.10% and reserves the right to charge maximum mortality and expense risk fees of up to 1.25% upon notice.

Base Contract Expense (of Average Account Value), Maximum [Percent]

1.25%

^[2]

Base Contract Expense, Footnotes [Text Block]

TFLIC currently charges mortality and expense risk fees of 1.10% and reserves the right to charge maximum mortality and expense risk fees of up to 1.25% upon notice.

Other Annual Expense, Maximum [Dollars]

$ 50

^[3],[4]

Other Annual Expense, Minimum [Dollars]

$ 0

^[4]

Other Annual Expense, Footnotes [Text Block]

TFLIC reserves the right to deduct an annual contract charge from a Participant’s Accumulation Account in accordance with the provisions of the Contracts. TFLIC has no present intention to impose such a charge, but it may do so in the future.

Portfolio Company Expenses [Text Block]

Annual Portfolio Company Expenses⁽¹⁾	Minimum	Maximum
Expenses (expenses that are deducted from Underlying Investment assets, including management fees, distribution and/or service and 12b-1 fees, and other expenses)	0.37%	1.09%

Portfolio Company Expenses Before Waivers and Reimbursement Minimum [Percent]

0.37%

^[5]

Portfolio Company Expenses Before Waivers and Reimbursement Maximum [Percent]

1.09%

^[5]

Portfolio Company Expenses, Footnotes [Text Block]

The expenses shown are those incurred for the year ended October 31, 2025, Current or future expenses may be greater or less than those shown.

Surrender Example [Table Text Block]

Expense Example:

After 1 Year

After 3 Years

After 5 Years

After 10 Years

Surrender Expense, 1 Year, Maximum [Dollars]

$ 2,371

Surrender Expense, 3 Years, Maximum [Dollars]

7,304

Surrender Expense, 5 Years, Maximum [Dollars]

12,503

Surrender Expense, 10 Years, Maximum [Dollars]

$ 26,761

Annuitize Example [Table Text Block]

Expense Example:

After 1 Year

After 3 Years

After 5 Years

After 10 Years

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 2,371

Annuitized Expense, 3 Years, Maximum [Dollars]

7,304

Annuitized Expense, 5 Years, Maximum [Dollars]

12,503

Annuitized Expense, 10 Years, Maximum [Dollars]

$ 26,761

No Surrender Example [Table Text Block]

Expense Example:

After 1 Year

After 3 Years

After 5 Years

After 10 Years

No Surrender Expense, 1 Year, Maximum [Dollars]

$ 2,371

No Surrender Expense, 3 Years, Maximum [Dollars]

7,304

No Surrender Expense, 5 Years, Maximum [Dollars]

12,503

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 26,761

Item 5. Principal Risks [Table Text Block]

Principal Risks Of Investing In The Contract

There are risks associated with investing in the Contract. The Contract is a “variable” annuity because the value of your Contract can go up or down based on the performance of your S ubaccounts. When you invest in the Separate Account, the amount of money you are able to accumulate in your Contract during the accumulation phase depends upon the performance of your Subaccounts and each Subaccount may have its own unique risks. You could lose the amount you allocate to a Subaccount.

Risks of an Increase in Current Fees and Expenses. Certain fees and expenses are currently assessed at less than their guaranteed maximum levels. In the future, these charges may be increased up to the guaranteed (maximum) levels.

Investment Risk. You bear the risk of any decline in the Contract value caused by the performance of the Underlying Investments held by the Subaccounts. Those investments could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each Underlying Investment. This risk could have a significant negative impact on the value of certain benefits offered under the Contract. The investment risks described in the prospectuses are for the Underlying Investments.

Risks of Managing General Account Assets. The general account assets of the Company are used to support the payment of guaranteed benefits under the Contract. To the extent that the Company is required to pay amounts in addition to the Contract Value, such amounts will come from our general account assets. You should be aware that the general account assets are exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk, and are also subject to the claims of the Company’s general creditors. The Company’s financial statements contained in the Statement of Additional Information include a further discussion of risks inherent in the general account investments.

Insurance Company Insolvency. It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we promise.

Tax Consequences. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals are generally restricted prior to age 59½, otherwise, a tax penalty may apply. The ultimate effect of federal income taxes on payments and on the economic benefit to the Participant, annuitant, payee and beneficiary depends on the tax and employment status of the individual concerned.

Cyber Security and Business Continuity Risks. Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data, and breaches of regulation may lead to a materially adverse effect on our administration of the Contract. We cannot assure you that interruptions, failures, or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. Also, our business operations may be adversely affected by volatile natural and man-made disasters, including (but not limited to) hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes. Such events may impact the availability and capacity of our key personnel and may have a materially adverse effect on our administration of the Contract. See “Non-Principal Risks of Investing in the Contract” in the SAI for additional information.

Market Risks. The market values of the Portfolio Companies’ securities and other assets will fluctuate, sometimes sharply and unpredictably, due to changes in general market conditions, overall economic trends or events, governmental actions or interventions. See “Non-Principal Risks of Investing in the Contract” in the SAI for additional information.

Item 10. Benefits Available [Line Items]

Benefits Available (N-4) [Text Block]

Benefits under the Contract

The following table summarizes information about the benefits available under the Contract:

Name of Benefit	Purpose	Standard or Optional	Maximum Fee	Brief Description of Restrictions/Limitations
Death Benefit	Provides a death benefit to the beneficiary.	Standard	No Charge	Only payable if the Participant dies before the Annuity Purchase Date.

Example: Assuming that the participant has died and has not yet purchased a fixed annuity, the participant’s beneficiary will receive the full account value once the death claim is submitted.

Death Benefit

Under Section 403(b), Section 457, and 408(IRA) Contracts, if a Participant dies before the Annuity Purchase Date, the value of his/her Accumulation Account will be paid to the beneficiary in a lump sum or, if the beneficiary is under the age of 75 at the time of the Participant’s death, the beneficiary may elect to have the Accumulation Amount applied to provide a Fixed Annuity.

A lump sum payment to some extent may be taxed as ordinary income to the beneficiary in the year received. A beneficiary should consider the possible tax advantages to electing an annuity. Under Section 401(a) and/or Section 401(k) Contracts, however, the underlying tax-qualified Plan is generally required to provide that in the case of a married Participant, a survivorship annuity death benefit will be paid to the surviving spouse if the Participant dies prior to retirement. In each case involving Section 401(a) and/or Section 401(k) Contracts, reference must be made to the underlying Plan for additional information.

If the Participant dies before the Annuity StartDate, his/her entire interest must generally be distributed as follows: (1) if there is no designated beneficiary (for example, the Participant does not name an individual beneficiary or the beneficiary chosen is the Participant’s estate), then it must be fully distributed by the end of the fifth year following the year of death (and if required distributions began prior to the Participant’s death then the remaining balance also must be distributed at least as rapidly as it was during the Participant’s life), (2) if payable to a designated beneficiary (e.g. an individual), then it must be fully distributed by the end of the tenth year following the year of death, or (3) if payable to an eligible designated beneficiary, then the eligible designated beneficiary may elect to have his/her interest distributed over their life or over a period not extending beyond their life expectancy, beginning within one year after the date of death. An eligible designated beneficiary includes the Participant’s surviving spouse or minor child, a disabled individual, a chronically ill individual, or an individual who is not more than 10 years younger than the Participant. Certain trusts created for the exclusive benefit of disabled or chronically ill beneficiaries are included. The Participant’s minor child must still take remaining distributions within 10 years once they reach the age of majority as defined by the IRS. If the beneficiary is the Participant’s spouse, distributions are not required to be made until the date that would have been the decedent’s Required Beginning Date.. If the spouse dies before distributions begin, the rules discussed above will apply as if the spouse were the Participant (owner).

If a lump sum payment is elected, the Accumulation Account value will be determined on the Valuation Date for the Valuation Period in which a certified copy of the death certificate evidencing the Participant’s death is received by TFLIC. If the beneficiary is under age 75 at the time of the Participant’s death and elects a Fixed Annuity, the Accumulation Account value will be determined on the Valuation Date for the Valuation Period of the beneficiary’s Annuity Purchase Date. For Section 401(a) and/or Section 401(k) and NQDC Contracts, the underlying Plan should be consulted to determine the options available.

For NQDC Contracts, the remaining value will be paid to a designated beneficiary. If no such beneficiary is so designated or in existence, subject to the terms of any underlying Plan the remaining value will be paid in the following order: Participant’s (1) spouse, (2) children, (3) parents, (4) siblings and (5) estate.

For all Contracts except NQDC Contracts, the death benefit is guaranteed to be not less than the total amount of all contributions, less any withdrawals, made by the Participant.

Credit of Purchase Payments

A Participant’s initial Purchase Payment will be credited to the Participant’s Accumulation Account to provide Units as of a Valuation Date for the Valuation Period, not later than (2) two business days after receipt of the Purchase Payment by TFLIC at 440 Mamaroneck Avenue, Harrison, New York 10528, if the contract application and/or Participant’s enrollment form is complete upon receipt, or (2) two business days after an application and/ or enrollment form which is incomplete upon receipt by TFLIC is made complete, provided that if such information is not made complete within five business days after receipt, (i) the prospective Participant will be informed of the reasons for the delay, and (ii) the initial Purchase Payment will be returned immediately and in full, unless the prospective Participant specifically consents to TFLIC retaining the Purchase Payment until such information is made complete. Subsequent Purchase Payments will be credited to the Participant’s Accumulation Account to provide Units as of the Valuation Date for the Valuation Period in which the Purchase Payment is received in good order by TFLIC.

Benefits Available [Table Text Block]

Name of Benefit	Purpose	Standard or Optional	Maximum Fee	Brief Description of Restrictions/Limitations
Death Benefit	Provides a death benefit to the beneficiary.	Standard	No Charge	Only payable if the Participant dies before the Annuity Purchase Date.

Name of Benefit [Text Block]

Death Benefit

Purpose of Benefit [Text Block]

Provides a death benefit to the beneficiary.

Standard Benefit [Flag]

true

Standard Benefit Expense, Maximum [Dollars]

$ 0

Brief Restrictions / Limitations [Text Block]

Only payable if the Participant dies before the Annuity Purchase Date.

Name of Benefit [Text Block]

Death Benefit

Operation of Benefit [Text Block]

Death Benefit

For all Contracts except NQDC Contracts, the death benefit is guaranteed to be not less than the total amount of all contributions, less any withdrawals, made by the Participant.

Credit of Purchase Payments

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix- Investment Options Available Under the Contract

The following is a list of current Portfolio Companies available under the Contract which are subject to change as discussed in this prospectus. Depending on the Separate Account of your Contract, you may not be able to invest in certain Portfolio Companies. Not all investment options listed in this prospectus may be available to you. Please refer to your employer’s plan documents for a list of Portfolio Companies that are available in your plan.

More information about each Portfolio Company is available in its prospectuses. The prospectuses, which may be amended from time to time, can be found online at by accessing your account at www.transamerica.com. You can also request this information at no cost by calling our Administrative Office at (800) 755-5801.

The current expenses and performance below reflect fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

The availability of investment options may vary depending on the financial intermediary through which the Contract is sold. In some cases, an option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available, please contact Your financial intermediary or our Administrative Office. See Appendix -Financial Intermediary Variations.


Investment Objective	Underlying Fund Company and Adviser/Sub-adviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 years	10 years
Seeks to provide a high total investment return.	Transamerica Balanced II-Class I3⁴ Sub-Adviser: Aegon USA Investment Management, LLC	0.62%	12.01%	7.51%	8.65%
Seeks to achieve maximum total return.	Transamerica Core Bond-Class I3² Sub-Adviser: Aegon USA Investment Management, LLC	0.42%	5.91%	-1.31%	1.10%
Seeks as high a level of current income as is consistent with preservation of capital and liquidity.	Transamerica Government Money Market-Class I3¹ Sub-Adviser:* BlackRock Investment Management, LLC	0.33%	2.84%	2.21%	1.24%
Seeks a high level of current income by investing in high-yield debt securities.	Transamerica High Yield Bond-Class I3³ Sub-Adviser: Aegon USA Investment Management, LLC	0.61%	7.50%	2.92%	4.63%
Seeks maximum real return, consistent with appreciation of capital.	Transamerica Inflation Opportunities-Class I3⁹ Sub-Adviser: PineBridge Investments LLC	0.52%	5.03%	N/A	N/A


Seeks maximum long-term total return consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers.	Transamerica International Equity-Class I3^{8 Sub-Adviser: Thompson, Siegel & Walmsley LLC}	0.76%	31.21%	8.04%	6.67%
Seeks to provide capital appreciation.	Transamerica Large Core ESG-Class I3⁶Sub-Adviser: PineBridge Investments LLC	0.54%	16.43%	13.25%	12.44%
Seeks to maximize long-term growth.	Transamerica Large Growth-Class I3⁷ Sub-Adviser: Morgan Stanley Investment Management Inc. and Wellington Management Company LLP	0.71%	17.81%	5.77%	14.62%
Seeks to provide long-term capital appreciation.	Transamerica Large Value Opportunities-Class I3⁵ Sub-Adviser: PineBridge Investments LLC	0.50%	8.58%	10.66%	8.31%
Seeks a high level of income consistent with minimal fluctuation in principal value and liquidity.	Transamerica Short Term Bond-Class I3¹⁰ Sub-Adviser: Aegon USA Investment Management, LLC and J.P. Morgan Investment Management Inc.	0.42%	4.57%	N/A	N/A
Seeks long-term capital appreciation.	Transamerica Small Cap Growth-Class I3¹¹ Sub-Adviser: Ranger Investment Management, LP	1.00%	-3.81%	-0.90%	N/A
Seeks long-term capital appreciation.	Transamerica Small Cap Value-Class I3¹¹ Sub-Adviser: Systematic Financial Management, L.P	0.89%	8.36%	7.22%	N/A


Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds, and money market instruments which offer income and capital growth opportunity.		Calvert VP SRI Balanced Portfolio-Class I Adviser: Calvert Research and Management	0.65%	10.26%	7.50%		8.68%

*Government Money Market: The 7-Day Yield was 2.30% as of December 31, 2025 The 7-Day Effective Yield was 2.32% as of December 31, 2025
(1) Total returns calculated for any period for the Government Money Market reflect the performance of the Transamerica Partners Government Money Market Portfolio prior to October 13, 2017 and the performance of the Transamerica Government Money Market Fund thereafter.
(2) Effective November 1, 2022, Transamerica Intermediate Bond was renamed Transamerica Core Bond Total returns calculated for any period for the Intermediate Bond reflect the performance of the Transamerica Partners Institutional Core Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica Intermediate Bond Fund thereafter.
(3) Total returns calculated for any period for the High Yield Bond reflect the performance of the Transamerica Partners High Yield Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica High Yield Bond Fund thereafter.
(4) Total returns calculated for any period for the Balanced II reflect the performance of the Transamerica Partners Balanced Portfolio prior to September 15, 2017 and the performance of the Transamerica Balanced II Fund thereafter.
(5) Total returns calculated for any period for the Large Value Opportunities reflect the performance of the Transamerica Partners Institutional Large Value Portfolio prior to May 5, 2017 and the performance of the Transamerica Large Value Opportunities thereafter.
(6) Effective March 1, 2023, Transamerica Large Core was renamed Transamerica Large Core ESG and the fund’s investment strategy was revised to include an ESG overlay. Total returns calculated for the period from March 10, 2017 to February 28, 2023 reflect the performance of the Transamerica Large Core. Total returns calculated for periods prior to March 17, 2017 reflect the performance of the Transamerica Partners Institutional Large Core Portfolio.
(7) Total returns calculated for any period for the Large Growth reflect the performance of the Transamerica Partners Institutional Large Growth Portfolio prior to March 10, 2017 and the performance of the Transamerica Large Growth Fund thereafter.
(8) Total returns calculated for any period for the International Equity reflect the performance of the Transamerica Partners International Equity Portfolio prior to March 10, 2017 and the performance of the Transamerica International Equity Fund thereafter.
(9) Transamerica Inflation Opportunities was added effective October 27, 2023 and as of December 31, 2025 does not have five or ten year annualized total returns.
(10) Transamerica Short Term Bond was added effective December 12, 2022 and as of December 31, 2025, does not have five or ten year annualized total returns.
(11) Small Cap Growth and Small Cap Value were added effective July 31, 2020, and as of December 31, 2025, do not have ten year annualized total returns.
Note: All Transamerica Fund underlying fund portfolios are advised by Transamerica Asset Management. The entities listed are the sub-advisers unless otherwise indicated.

Prospectuses Available [Text Block]

Portfolio Companies [Table Text Block]


Investment Objective	Underlying Fund Company and Adviser/Sub-adviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year	5 years	10 years
Seeks to provide a high total investment return.	Transamerica Balanced II-Class I3⁴ Sub-Adviser: Aegon USA Investment Management, LLC	0.62%	12.01%	7.51%	8.65%
Seeks to achieve maximum total return.	Transamerica Core Bond-Class I3² Sub-Adviser: Aegon USA Investment Management, LLC	0.42%	5.91%	-1.31%	1.10%
Seeks as high a level of current income as is consistent with preservation of capital and liquidity.	Transamerica Government Money Market-Class I3¹ Sub-Adviser:* BlackRock Investment Management, LLC	0.33%	2.84%	2.21%	1.24%
Seeks a high level of current income by investing in high-yield debt securities.	Transamerica High Yield Bond-Class I3³ Sub-Adviser: Aegon USA Investment Management, LLC	0.61%	7.50%	2.92%	4.63%
Seeks maximum real return, consistent with appreciation of capital.	Transamerica Inflation Opportunities-Class I3⁹ Sub-Adviser: PineBridge Investments LLC	0.52%	5.03%	N/A	N/A


Seeks maximum long-term total return consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers.	Transamerica International Equity-Class I3^{8 Sub-Adviser: Thompson, Siegel & Walmsley LLC}	0.76%	31.21%	8.04%	6.67%
Seeks to provide capital appreciation.	Transamerica Large Core ESG-Class I3⁶Sub-Adviser: PineBridge Investments LLC	0.54%	16.43%	13.25%	12.44%
Seeks to maximize long-term growth.	Transamerica Large Growth-Class I3⁷ Sub-Adviser: Morgan Stanley Investment Management Inc. and Wellington Management Company LLP	0.71%	17.81%	5.77%	14.62%
Seeks to provide long-term capital appreciation.	Transamerica Large Value Opportunities-Class I3⁵ Sub-Adviser: PineBridge Investments LLC	0.50%	8.58%	10.66%	8.31%
Seeks a high level of income consistent with minimal fluctuation in principal value and liquidity.	Transamerica Short Term Bond-Class I3¹⁰ Sub-Adviser: Aegon USA Investment Management, LLC and J.P. Morgan Investment Management Inc.	0.42%	4.57%	N/A	N/A
Seeks long-term capital appreciation.	Transamerica Small Cap Growth-Class I3¹¹ Sub-Adviser: Ranger Investment Management, LP	1.00%	-3.81%	-0.90%	N/A
Seeks long-term capital appreciation.	Transamerica Small Cap Value-Class I3¹¹ Sub-Adviser: Systematic Financial Management, L.P	0.89%	8.36%	7.22%	N/A


Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds, and money market instruments which offer income and capital growth opportunity.		Calvert VP SRI Balanced Portfolio-Class I Adviser: Calvert Research and Management	0.65%	10.26%	7.50%		8.68%

*Government Money Market: The 7-Day Yield was 2.30% as of December 31, 2025 The 7-Day Effective Yield was 2.32% as of December 31, 2025
(1) Total returns calculated for any period for the Government Money Market reflect the performance of the Transamerica Partners Government Money Market Portfolio prior to October 13, 2017 and the performance of the Transamerica Government Money Market Fund thereafter.
(2) Effective November 1, 2022, Transamerica Intermediate Bond was renamed Transamerica Core Bond Total returns calculated for any period for the Intermediate Bond reflect the performance of the Transamerica Partners Institutional Core Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica Intermediate Bond Fund thereafter.
(3) Total returns calculated for any period for the High Yield Bond reflect the performance of the Transamerica Partners High Yield Bond Portfolio prior to March 24, 2017 and the performance of the Transamerica High Yield Bond Fund thereafter.
(4) Total returns calculated for any period for the Balanced II reflect the performance of the Transamerica Partners Balanced Portfolio prior to September 15, 2017 and the performance of the Transamerica Balanced II Fund thereafter.
(5) Total returns calculated for any period for the Large Value Opportunities reflect the performance of the Transamerica Partners Institutional Large Value Portfolio prior to May 5, 2017 and the performance of the Transamerica Large Value Opportunities thereafter.
(6) Effective March 1, 2023, Transamerica Large Core was renamed Transamerica Large Core ESG and the fund’s investment strategy was revised to include an ESG overlay. Total returns calculated for the period from March 10, 2017 to February 28, 2023 reflect the performance of the Transamerica Large Core. Total returns calculated for periods prior to March 17, 2017 reflect the performance of the Transamerica Partners Institutional Large Core Portfolio.
(7) Total returns calculated for any period for the Large Growth reflect the performance of the Transamerica Partners Institutional Large Growth Portfolio prior to March 10, 2017 and the performance of the Transamerica Large Growth Fund thereafter.
(8) Total returns calculated for any period for the International Equity reflect the performance of the Transamerica Partners International Equity Portfolio prior to March 10, 2017 and the performance of the Transamerica International Equity Fund thereafter.
(9) Transamerica Inflation Opportunities was added effective October 27, 2023 and as of December 31, 2025 does not have five or ten year annualized total returns.
(10) Transamerica Short Term Bond was added effective December 12, 2022 and as of December 31, 2025, does not have five or ten year annualized total returns.
(11) Small Cap Growth and Small Cap Value were added effective July 31, 2020, and as of December 31, 2025, do not have ten year annualized total returns.
Note: All Transamerica Fund underlying fund portfolios are advised by Transamerica Asset Management. The entities listed are the sub-advisers unless otherwise indicated.

Calvert VP SRI Balanced Portfolio-Class I [Member]

Seeks to provide a competitive total return through an actively managed portfolio of stocks, bonds, and money market instruments which offer income and capital growth opportunity.

Portfolio Company Adviser [Text Block]

Calvert VP SRI Balanced Portfolio-Class I

Calvert Research and Management

0.65%

10.26%

7.50%

Transamerica Balanced II-Class I3 [Member]

8.68%

Seeks to provide a high total investment return.

Transamerica Balanced II-Class I3

^[6]

Aegon USA Investment Management, LLC

0.62%

12.01%

7.51%

Transamerica Core Bond-Class I3 [Member]

8.65%

Seeks to achieve maximum total return.

Transamerica Core Bond-Class I3

^[7]

Aegon USA Investment Management, LLC

0.42%

5.91%

(1.31%)

Transamerica Government Money Market-Class I3 [Member]

1.10%

Seeks as high a level of current income as is consistent with preservation of capital and liquidity.

Transamerica Government Money Market*-Class I3

^[8],[9]

BlackRock Investment Management, LLC

0.33%

2.84%

2.21%

Transamerica High Yield Bond-Class I3 [Member]

1.24%

Seeks a high level of current income by investing in high-yield debt securities.

Transamerica High Yield Bond-Class I3

^[10]

Aegon USA Investment Management, LLC

0.61%

7.50%

2.92%

Transamerica Inflation Opportunities-Class I3 [Member]

4.63%

Seeks maximum real return, consistent with appreciation of capital.

Transamerica Inflation Opportunities-Class I3

^[11]

PineBridge Investments LLC

0.52%

Transamerica International Equity-Class I3 [Member]

5.03%

Seeks maximum long-term total return consistent with reasonable risk to principal, by investing in a diversified portfolio of common stocks of primarily non-U.S. issuers.

Transamerica International Equity-Class I3

^[12]

Thompson, Siegel & Walmsley LLC

0.76%

31.21%

8.04%

Transamerica Large Core ESG-Class I3 [Member]

6.67%

Seeks to provide capital appreciation.

Transamerica Large Core ESG-Class I3

^[13]

PineBridge Investments LLC

0.54%

16.43%

13.25%

Transamerica Large Growth-Class I3 [Member]

12.44%

Seeks to maximize long-term growth.

Transamerica Large Growth-Class I3

^[14]

Morgan Stanley Investment Management Inc. and Wellington Management Company LLP

0.71%

17.81%

5.77%

Transamerica Large Value Opportunities-Class I3 [Member]

14.62%

Seeks to provide long-term capital appreciation.

Transamerica Large Value Opportunities-Class I3

^[15]

PineBridge Investments LLC

0.50%

8.58%

10.66%

Transamerica Short Term Bond-Class I3 [Member]

8.31%

Seeks a high level of income consistent with minimal fluctuation in principal value and liquidity.

Transamerica Short Term Bond-Class I3

^[16]

Aegon USA Investment Management, LLC and J.P. Morgan Investment Management Inc.

0.42%

Transamerica Small Cap Growth-Class I3 [Member]

4.57%

Seeks long-term capital appreciation.

Transamerica Small Cap Growth-Class I3

^[17]

Ranger Investment Management, LP

1.00%

(3.81%)

Transamerica Small Cap Value-Class I3 [Member]

(0.90%)

Seeks long-term capital appreciation.

Transamerica Small Cap Value-Class I3

^[17]

Systematic Financial Management, L.P

0.89%

8.36%

7.22%

Risk of Loss [Member]

Yes. You can lose money by investing in this Contract, including loss of principal.

Not Short Term Investment Risk [Member]

Investment Options Risk [Member]

No. This Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash.

Each Subaccount has its own unique risks. You should review the Subaccounts carefully before making an investment decisio

Market Risk [Member]

Insurance Company Risk [Member]

Cyber Security and Business Continuity Risks [Member]

More information about Transamerica Financial Life Insurance Company, including our financial strength ratings, is available by visiting www.transamerica.com or calling toll-free[(800) 755-5801.

Insurance Company Insolvency [Member]

Investment Risk [Member]

Risks of an Increase in Current Fees and Expenses [Member]

Risks of Managing General Account Assets [Member]

Tax Consequences [Member]