0001164098
2026-05-06
2026-05-06
pure
iso4217:USD
<table style="border-spacing: 0px; border-collapse: collapse; margin: auto; width: 100%; font-size: 10pt;"> <tr style="font-size: 0px; height: 0px;"> <td style="width: 75.25pt;"> </td> <td style="width: 215.85pt;"> </td> <td style="width: 84.65pt;"> </td> <td style="width: 87.25pt;"> </td> <td style="width: 123.8pt;"> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;"> </span> </div> </td> <td colspan="3" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">FEES, EXPENSES, AND ADJUSTMENTS</span> </div> </td> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Location in Prospectus</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td rowspan="5" style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Are There Ongoing Fees and Expenses?</span> </div> </td> <td colspan="3" style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Yes. </span> </div> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">There is an implicit ongoing fee on the Index Account Options to the extent that your participation in Index gains is limited by either a Cap Rate, Participation Rate, or an Edge Rate or Edge+ Rate. This means that your returns may be lower than the Index’s returns. In exchange for accepting a limit on Index gains, you will receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below.</span> </div> <div style="text-indent: -0.05pt;"> <span style="color: rgb(0, 0, 0);">The table below describes the fees and expenses that you may pay each year, depending on the Allocation Accounts and optional benefits you choose. Please refer to your Policy specification page for information about the specific fees you will pay each year based on the options you have elected. </span> </div> </td> <td rowspan="5" style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span>FEE TABLE</span> </div> <div style="text-align: center;"> <span>EXPENSES AND ADJUSTMENTS</span> </div> <div style="text-align: center;"> <span>APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE POLICY</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Annual Fee</span> </div> </td> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Minimum</span> </div> </td> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Maximum</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Base Contract</span> </div> </td> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">0.00%</span><sup style="color: rgb(0, 0, 0);">1</sup> </div> </td> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">3.25%</span><sup style="color: rgb(0, 0, 0);">2,3</sup> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Optional benefits available for an additional charge</span> </div> <div style="text-indent: -0.05pt;"> <span style="color: rgb(0, 0, 0);">(for a single optional benefit, elected)</span> </div> </td> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">0.50%</span><sup style="color: rgb(0, 0, 0);">4</sup> </div> </td> <td style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">1.45%</span><sup style="color: rgb(0, 0, 0);">5</sup> </div> </td> </tr> <tr style="vertical-align: top;"> <td colspan="3" style="padding: 0px 5.4pt; border-width: 1pt; border-style: solid; border-color: black; font-size: 8pt;"> <ol style="list-style-type: decimal; padding: 0; margin: 0;"> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects the base GLWB (no optional step-up benefit). Also reflects the current annual service charge ($0 or 0%).</span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects the annualized fee percentage if you invest in an Index Account Option with a Growth Opportunity Type designated as “Credit Advantage.” The annualized fee is 1.25% (as a percentage of Policy Value allocated to that Index Account Option on the first day of either (i) a new Crediting Period or (ii) the remaining Crediting Period after exercise of Early-Re-Entry). The Credit Advantage Fee is assessed at the end of the Crediting Period after the Index Credit. However, a portion of the Credit Advantage Fee will be due if taking a partial withdrawal of the Index Account Value before the end of the Crediting Period. Furthermore, if taking a full withdrawal of the Index Account Value before the end of the Crediting Period or exercising Performance Lock, the entire Credit Advantage Fee becomes due. (For example, if you select a 6-year Crediting Period, the total Credit Advantage Fee for that Crediting Period would be 7.50% (i.e., 1.25% x 6). If you were to take a full withdrawal of the Index Account Option Value or exercise Performance Lock after 1 year, you would still pay the full 7.50%.)</span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects a 2.00% service charge. The maximum annual service charge is the lesser of $50 or 2.00% (as a percentage of your Policy Value as of your Policy Anniversary, before the deduction of any fees or charges).</span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">The fee for the optional GMDB rider (as a percentage of the GMDB Benefit Base), applicable to Issue Ages 71-80. There is no charge for the GMDB rider for Issue Ages 0-70. </span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects the Guaranteed Lifetime Withdrawal Rider Fee Percentage that we are currently charging for the GLWB’s optional step-up benefit (as a percentage of the Withdrawal Base or Policy Value, whichever is greater)</span> </li> </ol> <div style="text-indent: -0.05pt;"> <span style="font-size: 10pt"><span style="color: rgb(0, 0, 0);">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 </span><span style="color: rgb(0, 0, 0); font-style: italic;">each year </span><span style="color: rgb(0, 0, 0);">based on current charges. This estimate assumes that you do not take withdrawals from the Policy, </span><span style="color: rgb(0, 0, 0); font-weight: bold;">which could add surrender charges and negative Interim Value adjustments that substantially increase costs.</span></span> </div> </td> </tr> </table><table style="border-spacing: 0px; border-collapse: collapse; width: 100%; font-size: 10pt;"> <tr style="vertical-align: top; height: 7.2pt;"> <td style="padding: 0px 5.4pt; border-width: medium 1px 1px; border-style: none solid solid; border-color: currentcolor rgb(0, 0, 0) rgb(0, 0, 0);"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Lowest Annual Cost</span> </div> </td> <td style="padding: 0px 5.4pt; border-width: medium 1px 1px; border-style: none solid solid; border-color: currentcolor rgb(0, 0, 0) rgb(0, 0, 0);"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Highest Annual Cost</span> </div> </td> </tr> <tr style="vertical-align: top; height: 7.2pt;"> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">$0</span> </div> </td> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">$4,038</span> </div> </td> </tr> <tr style="vertical-align: top; height: 7.2pt;"> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div> <span style="color: rgb(0, 0, 0);">Assumes:</span> </div> <ul style="list-style-type: disc; padding: 0; margin: 0;"> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Investment of $100,000 in an Index Account Option</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">5% annual appreciation</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No Credit Advantage</span></li><li style="margin-left: 14.4pt;"><span style="color: rgb(0, 0, 0);">No Step-up benefit for GLWB</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No optional benefits</span></li><li style="margin-left: 14.4pt;"><span style="color: rgb(0, 0, 0);">GMDB rider (Issue Age 0-70)</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No sales charges</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No additional premium payments, transfers, or withdrawals</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">0% Interim Value adjustments for interim fee deductions</span> </li> </ul> </td> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div> <span style="color: rgb(0, 0, 0);">Assumes:</span> </div> <ul style="list-style-type: disc; padding: 0; margin: 0;"> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Investment of $100,000 in an Index Account Option</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">5% annual appreciation</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Credit Advantage </span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Step-up benefit for GLWB</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Additional Death Benefit</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">GMDB rider (Issue Age 71-80)</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No sales charges</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No additional premium payments, transfers, or withdrawals</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">0% Interim Value adjustments for interim fee deductions</span> </li> </ul> </td> </tr> </table>
<span style="color: rgb(0, 0, 0); font-weight: bold;">Yes. </span> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">There is an implicit ongoing fee on the Index Account Options to the extent that your participation in Index gains is limited by either a Cap Rate, Participation Rate, or an Edge Rate or Edge+ Rate. This means that your returns may be lower than the Index’s returns. In exchange for accepting a limit on Index gains, you will receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below.</span> </div> <div style="text-indent: -0.05pt;"> <span style="color: rgb(0, 0, 0);">The table below describes the fees and expenses that you may pay each year, depending on the Allocation Accounts and optional benefits you choose. Please refer to your Policy specification page for information about the specific fees you will pay each year based on the options you have elected. </span> </div> <div style="text-align: center;"> <span>FEE TABLE</span> </div> <div style="text-align: center;"> <span>EXPENSES AND ADJUSTMENTS</span> </div> <div style="text-align: center;"> <span>APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE POLICY</span> </div> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Annual Fee</span> </div> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Minimum</span> </div> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Maximum</span> </div> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Base Contract</span> </div> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">0.00%</span><sup style="color: rgb(0, 0, 0);">1</sup> </div> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">3.25%</span><sup style="color: rgb(0, 0, 0);">2,3</sup> </div> <div> <span style="color: rgb(0, 0, 0); font-weight: bold;">Optional benefits available for an additional charge</span> </div> <div style="text-indent: -0.05pt;"> <span style="color: rgb(0, 0, 0);">(for a single optional benefit, elected)</span> </div> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">0.50%</span><sup style="color: rgb(0, 0, 0);">4</sup> </div> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0);">1.45%</span><sup style="color: rgb(0, 0, 0);">5</sup> </div> <ol style="list-style-type: decimal; padding: 0; margin: 0;"> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects the base GLWB (no optional step-up benefit). Also reflects the current annual service charge ($0 or 0%).</span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects the annualized fee percentage if you invest in an Index Account Option with a Growth Opportunity Type designated as “Credit Advantage.” The annualized fee is 1.25% (as a percentage of Policy Value allocated to that Index Account Option on the first day of either (i) a new Crediting Period or (ii) the remaining Crediting Period after exercise of Early-Re-Entry). The Credit Advantage Fee is assessed at the end of the Crediting Period after the Index Credit. However, a portion of the Credit Advantage Fee will be due if taking a partial withdrawal of the Index Account Value before the end of the Crediting Period. Furthermore, if taking a full withdrawal of the Index Account Value before the end of the Crediting Period or exercising Performance Lock, the entire Credit Advantage Fee becomes due. (For example, if you select a 6-year Crediting Period, the total Credit Advantage Fee for that Crediting Period would be 7.50% (i.e., 1.25% x 6). If you were to take a full withdrawal of the Index Account Option Value or exercise Performance Lock after 1 year, you would still pay the full 7.50%.)</span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects a 2.00% service charge. The maximum annual service charge is the lesser of $50 or 2.00% (as a percentage of your Policy Value as of your Policy Anniversary, before the deduction of any fees or charges).</span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">The fee for the optional GMDB rider (as a percentage of the GMDB Benefit Base), applicable to Issue Ages 71-80. There is no charge for the GMDB rider for Issue Ages 0-70. </span> </li> <li style="margin-left: 18pt;"> <span style="color: rgb(0, 0, 0);">Reflects the Guaranteed Lifetime Withdrawal Rider Fee Percentage that we are currently charging for the GLWB’s optional step-up benefit (as a percentage of the Withdrawal Base or Policy Value, whichever is greater)</span> </li> </ol> <span style="font-size: 10pt"><span style="color: rgb(0, 0, 0);">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 </span><span style="color: rgb(0, 0, 0); font-style: italic;">each year </span><span style="color: rgb(0, 0, 0);">based on current charges. This estimate assumes that you do not take withdrawals from the Policy, </span><span style="color: rgb(0, 0, 0); font-weight: bold;">which could add surrender charges and negative Interim Value adjustments that substantially increase costs.</span></span>
0
0.0325
0.005
0.0145
<table style="border-spacing: 0px; border-collapse: collapse; width: 100%; font-size: 10pt;"> <tr style="vertical-align: top; height: 7.2pt;"> <td style="padding: 0px 5.4pt; border-width: medium 1px 1px; border-style: none solid solid; border-color: currentcolor rgb(0, 0, 0) rgb(0, 0, 0);"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Lowest Annual Cost</span> </div> </td> <td style="padding: 0px 5.4pt; border-width: medium 1px 1px; border-style: none solid solid; border-color: currentcolor rgb(0, 0, 0) rgb(0, 0, 0);"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">Highest Annual Cost</span> </div> </td> </tr> <tr style="vertical-align: top; height: 7.2pt;"> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">$0</span> </div> </td> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="text-align: center;"> <span style="color: rgb(0, 0, 0); font-weight: bold;">$4,038</span> </div> </td> </tr> <tr style="vertical-align: top; height: 7.2pt;"> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div> <span style="color: rgb(0, 0, 0);">Assumes:</span> </div> <ul style="list-style-type: disc; padding: 0; margin: 0;"> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Investment of $100,000 in an Index Account Option</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">5% annual appreciation</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No Credit Advantage</span></li><li style="margin-left: 14.4pt;"><span style="color: rgb(0, 0, 0);">No Step-up benefit for GLWB</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No optional benefits</span></li><li style="margin-left: 14.4pt;"><span style="color: rgb(0, 0, 0);">GMDB rider (Issue Age 0-70)</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No sales charges</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No additional premium payments, transfers, or withdrawals</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">0% Interim Value adjustments for interim fee deductions</span> </li> </ul> </td> <td style="padding: 0; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div> <span style="color: rgb(0, 0, 0);">Assumes:</span> </div> <ul style="list-style-type: disc; padding: 0; margin: 0;"> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Investment of $100,000 in an Index Account Option</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">5% annual appreciation</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Credit Advantage </span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Step-up benefit for GLWB</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">Additional Death Benefit</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">GMDB rider (Issue Age 71-80)</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No sales charges</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">No additional premium payments, transfers, or withdrawals</span> </li> <li style="margin-left: 14.4pt;"> <span style="color: rgb(0, 0, 0);">0% Interim Value adjustments for interim fee deductions</span> </li> </ul> </td> </tr> </table>
0
4038
N-4
N-4
0001164098
false
2026-05-06
TRANSAMERICA LIFE INSURANCE CO