AsTable filedof with the Securities and Exchange Commission on January 25, 2023 Contents

~~Registration~~As ~~No.~~filed ~~______________~~with the Securities and Exchange Commission on August 16, 2024

~~UNITED~~Registration No. 333-_____ ~~STATES~~

~~SECURITIES AND~~UNITED ~~EXCHANGE~~STATES ~~COMMISSION~~

~~WASHINGTON,~~SECURITIES ~~D.C.~~AND ~~20549~~EXCHANGE COMMISSION

~~FORM~~WASHINGTON, ~~S-1~~D.C. 20549

~~REGISTRATION~~FORM S-1 ~~STATEMENT~~

~~UNDER~~REGISTRATION STATEMENT

~~THE SECURITIES~~UNDER ~~ACT OF 1933~~

~~Transamerica~~THE SECURITIES ~~Life~~ACT ~~Insurance~~OF ~~Company~~1933

~~(Exact~~Transamerica ~~Name~~Life ofInsurance ~~Registrant~~Company ~~as specified in its charter)~~

Iowa	6311	39-0989781
(State or other jurisdiction of	(Primary Standard Industrial	(I.R.S. Employer
Incorporation or organization)	Classification Code Number)	Identification Number)

(Exact Name of Registrant as specified in its charter)

6400 C Street SW

Iowa

6311

39-0989781

(State or other jurisdiction of

Incorporation or organization)

(Primary Standard Industrial

Classification Code Number)

(I.R.S. Employer

Identification Number)

~~Cedar~~6400 ~~Rapids,~~C IAStreet ~~52499~~SW

~~Telephone~~Cedar ~~Number:~~Rapids, ~~(319)~~IA ~~355-8511~~52499

~~(Address,~~Telephone ~~including~~Number: ~~zip code, and telephone number, including area code, of Principal Executive Offices~~(319) 355-8511

~~Brian~~(Address, ~~Stallworth~~including zip code, ~~Esq.~~and telephone number, including area code, of Principal Executive Offices)

~~Transamerica~~Brian ~~Life~~Stallworth, ~~Insurance~~Esq. ~~Company~~

~~c/o~~Transamerica ~~Office~~Life ofInsurance ~~the~~Company ~~General Counsel~~

~~6400~~c/o COffice ~~Street~~of SWthe General Counsel

~~Cedar Rapids,~~6400 IAC ~~52499-4240~~Street SW

~~Telephone~~Cedar Rapids, ~~Number:~~IA ~~(319) 355~~52499-~~8511~~4240

~~(Name,~~Telephone ~~Address,~~Number: ~~including zip code, and telephone number, including area code, of Agent for Service~~(319) 355-8511

~~Approximate~~(Name, ~~date~~Address, ofincluding ~~commencement~~zip ofcode, ~~proposed~~and ~~sale~~telephone tonumber, ~~the~~including ~~public:~~area Ascode, ~~soon~~of asAgent ~~practicable~~for ~~after~~Service) ~~this registration statement becomes effective.~~

IfApproximate ~~any~~date of ~~the~~commencement ~~securities~~of ~~being~~proposed ~~registered~~sale ~~on this Form are~~ to bethe ~~offered~~public: onAs asoon ~~delayed~~as orpracticable ~~continuous~~after ~~basis~~this ~~pursuant~~registration tostatement ~~Rule~~becomes ~~415 under the Securities Act of 1933, check the following box~~effective. ☒

If ~~this~~any ~~Form~~of isthe ~~filed~~securities tobeing ~~register~~registered ~~additional~~on ~~securities~~this ~~for~~Form anare ~~offering pursuant~~ to ~~Rule~~be ~~462(b)~~offered ~~under the~~on ~~Securities~~a ~~Act,~~delayed ~~please~~or ~~check~~continuous ~~the~~basis ~~following~~pursuant ~~box~~to ~~and~~Rule ~~list~~415 under the Securities Act ~~registration statement number~~ of 1933, ~~the~~check ~~earlier effective registration statement for~~ the ~~same~~following ~~offering~~box. ☒ ~~Previous~~ ~~Registration No. 333-252121~~

If this Form is ~~post-effective~~filed ~~amendment~~to ~~filed~~register additional securities for an offering pursuant to Rule 462(cb) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(dc) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

~~Indicate~~If bythis ~~check~~Form ~~mark~~is ~~whether~~a ~~the~~post-effective amendment ~~registrant~~filed ispursuant ato ~~large~~Rule ~~accelerated~~462(d) ~~filer,~~under anthe ~~accelerated~~Securities ~~filer~~Act, acheck ~~non-accelerated~~the ~~filer,~~following abox ~~smaller~~and ~~reporting~~list ~~company~~the orSecurities anAct ~~emerging~~registration ~~growth~~statement ~~company~~number of the earlier effective registration statement for the same offering. ☐

~~Large~~Indicate ~~Accelerated~~by ~~Filer~~check ☐mark ~~Accelerated~~whether the registrant is a large accelerated filer, ☐an ~~Non~~accelerated filer, a non-~~Accelerated~~accelerated filer, ~~Filer~~a ☒smaller ~~Smaller~~reporting ~~Reporting~~company ~~Company~~or ☐an ~~Emerging~~emerging ~~Growth~~growth ~~Company~~company. ☐

IfLarge anAccelerated ~~emerging~~Filer ~~growth~~☐ ~~company,~~Accelerated ~~indicate~~Filer by☐ ~~check~~Non-accelerated ~~mark~~Filer if☒ ~~the~~Smaller ~~registrant~~Reporting ~~has~~Company ~~elected~~☐ ~~not~~Emerging toGrowth ~~use~~Company ~~the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act.~~ ☐

~~The~~If ~~information~~an inemerging ~~this~~growth ~~prospectus~~company, isindicate ~~not~~by ~~complete~~check ~~and~~mark ~~may~~if bethe ~~changed.~~registrant Wehas ~~may~~elected not ~~sell these~~to ~~securities~~use ~~until~~ the ~~registration~~extended ~~statement~~transition ~~filed~~period for complying with ~~the~~any ~~Securities~~new ~~and~~or ~~Exchange~~revised ~~Commission~~financial isaccounting ~~effective.~~standards ~~This~~provided ~~prospectus~~pursuant ~~is not an offer~~ to ~~sell~~Section 7(a)(2)(B) ~~these~~of ~~securities and it is not soliciting an offer to buy these securities in any state where~~ the ~~offer~~Securities ~~or sale is not permitted~~Act. ☐

~~Preliminary~~The ~~Prospectus~~registrant ~~Dated~~hereby ~~January~~amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 258(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Commission, ~~2023~~acting pursuant to said Section 8(a), may determine.

TRANSAMERICATable STRUCTUREDof INDEX ADVANTAGESM ANNUITY Contents

AnThe ~~Individual~~information ~~Flexible~~in ~~Premium~~this ~~Deferred~~prospectus ~~Index-Linked~~is ~~Annuity~~not ~~Policy~~complete and may be changed. We may not sell these securities using this prospectus until the registration statement filed with the Securities and Exchange Commission is effective. This prospectus is not an offer to sell these securities and is not soliciting an offer to buy these securities in any state where the offer or sale is not permitted.

~~Issued~~TRANSAMERICA bySTRUCTURED ~~Transamerica~~INDEX ~~Life~~ADVANTAGE® ~~Insurance~~ANNUITY ~~Company~~

~~This~~An ~~prospectus~~Individual ~~includes important~~Flexible ~~information~~Premium ~~about~~Deferred ~~the Transamerica Structured~~ Index-Linked ~~AdvantageSM~~ Annuity (the “Policy”), which you can use to accumulate funds for retirement or other long-term financial planning purposes on a tax-deferred basis. This prospectus describes all material terms of the Policy, including material state variations. You should carefully read this prospectus and speak with your financial professional about whether the Policy is appropriate for you. You should also consult with a tax professional.

~~The~~ Policy ~~allows~~Issued ~~you~~by ~~to allocate~~Transamerica ~~your~~Life ~~premium~~Insurance ~~payments~~Company and earnings (if any) among the Policy’s investment options, which currently include index-linked investment options (“Index Account Options”) and a fixed interest option (“Fixed Account Option”).

•This ~~Index~~prospectus ~~Account~~includes important ~~Options.~~information ~~Each~~about ~~Index~~the ~~Account~~Transamerica ~~Option~~Structured isIndex ~~tied~~Advantage® Annuity (orthe “~~linked~~Policy”), towhich ~~the~~you ~~performance~~can ofuse ato ~~specific~~accumulate ~~market~~funds ~~index~~for retirement or ~~exchange~~other long-~~traded~~term ~~fund~~financial planning ~~for~~purposes aon ~~defined time period (~~a ~~“Crediting~~tax-deferred ~~Period”)~~basis. ~~Each~~This ~~Index~~prospectus ~~Account~~describes ~~Option~~all ~~currently~~material ~~has~~terms aof ~~Buffer~~the ~~downside~~Policy, ~~feature~~including ~~that~~material ~~provides~~state ~~limited~~variations. ~~protection~~You ~~against~~should ~~any~~carefully ~~negative~~read ~~Index~~this ~~rate~~prospectus ofand ~~return~~speak ~~that~~with ~~may~~your financial beprofessional ~~charged~~about towhether ~~your~~the ~~investment~~Policy ~~for~~is aappropriate ~~Crediting~~for ~~Period~~you. ~~Each~~You ~~Index~~should ~~Account Option currently~~ also ~~has~~consult awith ~~Cap or Participation upside feature that may limit any positive Index rate of return that may be credited to your investment for~~ a ~~Crediting~~tax ~~Period~~professional.

•The ~~Fixed~~Policy ~~Account~~allows ~~Option.~~you ~~The~~to allocate ~~Fixed~~your ~~Account~~premium ~~Option~~payments ~~guarantees~~and ~~principal~~earnings ~~and~~(if aany) ~~rate~~among ofthe ~~interest~~Policy’s ~~for~~investment aoptions, 1which currently include index-~~year~~ ~~Crediting~~linked ~~Period~~investment options (“Index Account Options”) and a fixed interest option (“Fixed Account Option”).

We• ~~expect~~Index toAccount ~~add~~Options. ~~and~~Each ~~remove~~Index ~~investment~~Account ~~options~~Option ~~from~~is ~~time~~tied (or “linked”) to the performance of a specific market index or exchange- traded fund for a defined time. Weperiod ~~will always~~(a ~~offer~~“Crediting ~~the~~Period”). ~~following~~Each Index Account Option: ~~S&P~~currently ~~500®~~has ~~Index~~a Buffer (10%, ~~1-Year~~15%, or 20%) downside feature that provides limited protection against any negative Index rate of return that may be charged to your investment for a Crediting Period. At the end of a Crediting Period, ~~Buffer~~you ~~(Buffer~~could ~~Rate:~~lose up to 90% of premiums and earnings invested in an Index Account Option with a 10%) Buffer, up to 85% in an Index Account Option with a 15% Buffer, and up to 80% in an Index Account Option with a 20% Buffer. Each Index Account Option currently also has a Cap (minimum Cap Rate: Nono lower than 2~~.00~~%), noor ~~Credit~~Participation ~~Advantage~~(minimum ~~Fee~~Participation Rate 50%) upside feature that may limit any positive Index rate of return that may be credited to your investment for a Crediting Period. The risk of investment loss could be significantly greater than the potential for investment gain. These Buffer Rates and minimum Caps or Participation Rates for each Index Account Option currently offered in this Prospectus will not change for the life of the Policy.

~~You~~• ~~should~~Fixed ~~not~~Account ~~buy this Policy if you are not willing to assume its investment risks~~Option. ~~See~~The ~~PRODUCT~~Fixed ~~RISK~~ Account ~~FACTORS~~Option ~~beginning~~guarantees ~~on page 20. Index-linked annuities are complicated investments. You may lose money, including your~~ principal ~~investment~~ and ~~previously~~a ~~credited~~rate ~~earnings. Charges and adjustments under the Policy could cause your losses to be greater than the downside protection~~ of ~~the~~interest ~~Index~~for ~~Account~~a ~~Options.~~1-year ~~Your~~Crediting ~~losses may be significant~~Period.

~~Before~~We ~~the~~expect ~~end~~to ofadd aand ~~Crediting~~remove ~~Period~~investment ~~for~~options anfrom ~~Index Account~~time ~~Option,~~to iftime. ~~you~~We ~~take~~will always aoffer ~~surrender~~the orfollowing ~~withdrawal,~~Index orAccount ifOption: ~~you~~S&P ~~exercise~~500® ~~the Performance Lock feature~~Index, or1-Year ifCrediting ~~you annuitize~~Period, orBuffer if(Buffer ~~the~~Rate: ~~death benefit is paid~~10%), orCap if(Cap aRate: ~~fee~~no orlower ~~charge is deducted~~than 2.00%), ~~the~~no ~~transaction~~Credit ~~will~~Advantage beFee ~~based~~(subject onto ~~the~~our ~~interim~~right ~~value~~ of ~~your~~ ~~investment in that~~ Index ~~Account Option~~substitution). ~~Interim~~If ~~values~~we ~~fluctuate~~offer ~~daily,~~new ~~positively~~Index orOptions ~~negatively.~~in ~~Interim~~the ~~values~~future, ~~could~~we ~~reflect~~will ~~significantly~~declare ~~less~~the ~~gain~~guaranteed orminimum ~~more~~rates ~~loss~~associated ~~than~~with ~~would~~that beoption ~~applied~~prior atto ~~the~~making ~~end~~it ofavailable afor ~~Crediting Period~~investment. ~~For as long as you have~~With ~~multiple~~respect ~~ongoing~~to ~~Crediting Periods for~~ Index Account Options, ~~there may be no time~~ that ~~any~~we ~~such~~may ~~transaction~~offer ~~listed~~in ~~above can be performed without~~ the ~~application~~future: ~~of at least one interim value.~~

~~Before~~• ~~the~~For ~~end~~Policies ofwith aapplications ~~Crediting~~signed ~~Period~~prior ~~for~~to anMay ~~Index~~1, ~~Account Option~~2024, if ~~you~~we ~~take~~offer ~~any~~a ~~type~~new ofIndex ~~partial~~Account ~~withdrawal,~~Option orthat ifincludes a ~~fee~~Buffer, ora ~~charge~~Cap, ~~is deducted~~or ~~from~~a ~~that~~Participation ~~Index Account~~Rate, ~~your~~the ~~investment~~minimum ~~base~~Buffer Rate will be ~~proportionately~~at ~~reduced.~~least ~~This~~10%, ~~negative~~the ~~adjustment~~minimum ~~could~~Cap beRate ~~greater~~will ~~than~~be ~~the~~at ~~amount~~least ~~withdrawn~~2%, orand ~~deducted~~the ~~and~~minimum ~~could~~Participation ~~negatively~~Rate ~~impact~~will ~~your~~be ~~gains~~no orlower ~~losses~~than ~~significantly.~~50%, respectively.

A• ~~six-year~~For ~~surrender~~Policies ~~charge~~with ~~period~~applications ~~applies~~signed toon ~~the~~or ~~initial~~after ~~and~~May ~~any~~1, ~~additional~~2024, ~~premium~~if ~~payment.~~we Inoffer ~~addition~~a new Index Account Option that includes a Buffer, there is no pre-specified minimum Buffer Rate. If we offer a ~~surrender~~ new Index Account Option that includes a Cap or ~~withdrawal~~a ~~may~~Participation beRate, ~~subject~~the tominimum ~~federal~~Cap ~~and~~Rate ~~state~~will ~~income~~be ~~taxes~~at least 2% and athe ~~10%~~minimum ~~federal~~Participation ~~penalty~~Rate ~~tax~~will ifbe ~~made~~no ~~before~~lower ~~age~~than ~~591⁄2.~~10%, respectively.

~~You~~• ~~may~~Within beany ~~able~~guaranteed limits to ~~pay~~which ~~investment~~are ~~advisory fees directly from this Policy. Advisory fee withdrawals will reduce your Policy value and will be~~ subject, to the ~~same~~guaranteed ~~risks~~minimum ~~and~~rate(s) ~~consequences~~associated ofwith ~~withdrawals,~~an ~~including~~Index ~~surrender~~Account ~~charges,~~Option’s ~~interim~~upside ~~value~~feature ~~adjustments~~and, ~~negative~~in ~~adjustments~~turn, ~~and income taxes and tax penalties and proportionate reductions to~~ the ~~death~~potential ~~benefit.~~for ~~For tax-qualified~~investment ~~Policies,~~gain ~~there~~could isbe ~~no maximum limit on advisory fee withdrawals~~minimal. ~~For non-qualified Policies~~Further, ~~advisory~~while ~~fee~~we ~~withdrawals are subject to a maximum limit of 1.5% of the Policy’s cash value (determined without regard to any surrender charges) each Policy Year. We~~ will not ~~report~~offer ~~advisory~~any ~~fee~~Index ~~withdrawals~~Account asOptions ~~taxable~~that ~~distributions~~provide tofor ~~the~~no ~~IRS.~~downside ~~However~~protection, we ~~cannot~~may ~~guarantee~~offer ~~that~~Index ~~federal~~Account ~~and/or~~Options ~~state taxing~~that ~~authorities~~provide ~~will~~only ~~not~~minimal ~~subject~~downside ~~advisory~~protection. ~~fee~~The ~~withdrawals~~risk toof ~~income~~investment ~~taxes~~loss orcould ~~tax~~be ~~penalties.~~significantly ~~You~~greater ~~should~~than ~~consult~~the apotential ~~tax~~for ~~professional.~~investment gain.

~~Our~~If you are not comfortable with the risk that we may not offer investment options in the future that are attractive to you based on your personal ~~financial~~preferences, ~~obligations~~risk ~~under~~tolerances, or time horizon, or with the risk that we may offer only a single Index Account Option in the future, this Policy is not appropriate for you. You may Surrender your Policy (i.e., take a full withdrawal) if there are no investment options that you wish to select, but the Surrender may be subject to ~~our~~surrender ~~financial~~charges, ~~strength~~will be based on an interim value if taken before the end of a Crediting Period for an Index Account Option, may be subject to taxes (including a 10% federal penalty tax if taken before age 591/2), and ~~claims-paying~~your ~~ability~~Policy will terminate.

TheTable Securities and Exchange Commission (the “SEC”) has not approved or disapproved these securities or passed upon the adequacy of this prospectus. Any representation to the contrary is a criminal offense. Contents

IfYou ~~you~~should ~~are~~not abuy ~~new~~this ~~investor in the~~ Policy, if you ~~may~~are ~~cancel~~not ~~your~~willing ~~Policy~~to ~~within~~assume 10its ~~days~~investment ~~(30~~risks. ~~days~~See ~~for~~PRODUCT ~~replacement~~RISK FACTORS ~~Policies).~~beginning Inon ~~some~~page ~~states~~22 or. ~~circumstances,~~Index-linked ~~this period~~annuities ~~may~~are becomplicated ~~longer~~investments. ~~Upon~~You ~~cancellation,~~may ~~you~~lose ~~will~~money, ~~receive~~including ~~the~~your ~~value~~principal ofinvestment ~~your~~and ~~Policy,~~previously ~~plus~~credited ~~any~~earnings. ~~fees~~Charges orand ~~charges~~adjustments ~~deducted~~under on the ~~date~~Policy ofcould ~~cancellation,~~cause ~~unless~~your alosses ~~different~~to ~~amount~~be greater isthan ~~required~~the bydownside ~~law.~~protection Ifof ~~you~~the ~~invest in an~~ Index Account ~~Option,~~Options. ~~you~~Your ~~will~~losses may be ~~subject~~ tosignificant. ~~risk~~The ofPolicy ~~loss~~is ~~during~~designed ~~the~~primarily ~~right~~for toinvestors ~~cancel~~who ~~period~~expect ~~because~~to ~~the~~remain ~~amount~~invested ~~refunded~~in ~~will~~an beinvestment ~~based~~option onuntil anthe ~~interim~~end ~~value.~~of ~~State~~its ~~law~~Crediting ~~may~~Period ~~require~~and usmay tobe appropriate ~~refund~~for ~~the~~you ~~greater~~if ofyou ~~your~~have ~~Policy~~a ~~value~~long orinvestment ~~your~~time ~~premium payment(s)~~horizon. ~~For~~This ~~IRAs,~~Policy weis ~~will~~not ~~refund~~designed ~~your premium~~for ~~payment(s)~~people ifwho ~~cancelled~~expect ~~within~~to ~~the~~take ~~first~~early ~~seven~~or ~~days~~frequent ~~of the right to cancel period~~withdrawals.

~~Transamerica~~The ~~Capital,~~Policy ~~Inc.~~may isnot ~~the~~be ~~principal~~appropriate ~~underwriter~~ for ~~the~~ ~~Policy.~~you ~~The~~if ~~minimum~~you ~~initial~~plan ~~premium~~to istake ~~$25,000.~~withdrawals ~~This~~from ~~prospectus~~an isIndex ~~not~~Account anOption ~~offer~~before tothe ~~sell~~end of the ~~securities~~Crediting Period, ~~and~~especially if ityou isplan ~~not~~to ~~soliciting~~take anongoing ~~offer~~withdrawals, tosuch ~~buy~~as ~~the~~automatic ~~securities~~withdrawals, inadvisory ~~any~~fee ~~state~~withdrawals, ~~where~~or ~~offers~~minimum orrequired ~~sales~~distributions. ~~are~~You ~~not~~should ~~permitted~~consult with a financial professional.

~~Prospectus~~• ~~Date:~~Before ~~May~~the 1end of a Crediting Period for an Index Account Option, ~~2023~~if you take a surrender or any type of withdrawal, including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, or surrender charge-free withdrawal, or if you exercise the Performance Lock feature, or if you annuitize, or if the death benefit is paid, or if a fee or charge is deducted, the transaction will be based on the interim value of your investment in that Index Account Option. Interim values fluctuate daily, positively or negatively. Interim values could reflect significantly less gain or more loss than would be applied at the end of a Crediting Period. In extreme circumstances, it is possible to lose 100% of your investment in any Index Account Option due to the application of an Interim Value (i.e., a complete loss of your principal and any prior earnings). For as long as you have multiple ongoing Crediting Periods for Index Account Options, there may be no time that any such transaction listed above can be performed without the application of at least one interim value.

GLOSSARY			1
SUMMARY			6
BUYING THE POLICY			6
PHASES OF THE POLICY			6
FEES AND CHARGES			11
TYPES OF ACCOUNTS			12
AVAILABLE ALLOCATION ACCOUNTS			17
PRODUCT RISK FACTORS			20
RISK OF LOSS			20
ALLOCATION ACCOUNT AVAILABILITY RISK			20
LIQUIDITY RISK			21
INDEX PERFORMANCE RISK			21
WITHDRAWAL AND SURRENDER RISK			24
BUFFER RISK			25
GROWTH OPPORTUNITY TYPE RISK			26
INTERIM VALUE RISK			26
NEGATIVE ADJUSTMENT TO INDEX BASE RISK			27
PERFORMANCE LOCK RISK			28
CREDIT ADVANTAGE RISK			29
DEATH BENEFIT SELECTION RISK			29
INDEX SUBSTITUTION RISK			30
RISK OF LOSS DURING CANCELLATION PERIOD			30
FINANCIAL STRENGTH AND CLAIMS-PAYING ABILITY			30
CYBER SECURITY AND BUSINESS CONTINUITY RISKS			31
FEES AND CHARGES			31
SURRENDER CHARGES			32
MAXIMUM POTENTIAL LOSS DUE TO INTERIM VALUE			33
SERVICE CHARGE			33
GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER FEE			33
CREDIT ADVANTAGE FEE			34
SPECIAL SERVICE FEES			35
REDUCED FEES AND CHARGES			36
ORDERING OF FEES AND CHARGES			36
PREMIUM TAXES			36
FEDERAL, STATE, AND LOCAL TAXES			36
ADVISORY FEES			36
THE ANNUITY			36
PREMIUM PAYMENTS			38
INITIAL PREMIUM PAYMENT			38
ADDITIONAL PREMIUM PAYMENTS			39
ALLOCATION OF PREMIUM PAYMENTS			40
POLICY VALUE AND CASH VALUE			41
POLICY VALUE			41
CASH VALUE			41
TYPES OF ACCOUNTS			41
FIXED HOLDING ACCOUNT			41
FIXED ACCOUNT OPTION			42
INDEX ACCOUNT OPTIONS			42
PERFORMANCE LOCK ACCOUNT			43
VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION			43
INDEX ACCOUNT OPTION VALUE			43
NEGATIVE ADJUSTMENTS TO INDEX BASE			44
INTERIM VALUES			45

•

Before the end of a Crediting Period for an Index Account Option, if you take any type of partial withdrawal (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge free withdrawal, or any other withdrawal), or if a fee or charge is deducted from that Index Account, your investment base will be proportionately reduced. This proportionate adjustment will also reduce the death benefit. This negative adjustment could be greater than the amount withdrawn or deducted and could negatively impact your gains or losses significantly.

INDEX SUBSTITUTIONS			48
PERFORMANCE LOCK			49
THE INDEXES			51
EXCHANGE TRADED FUNDS (ETFS)			52
AVAILABLE ALLOCATION ACCOUNTS			53
FIXED ACCOUNT OPTION			53
AVAILABLE INDEX ACCOUNT OPTIONS			53
SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT			65
ABILITY TO TRANSFER BETWEEN ALLOCATION ACCOUNTS			67
CREDITING PERIODS EXTENDING BEYOND THE LATEST ANNUITY COMMENCEMENT DATE			67
DEFAULT OPTION			67
ACCESS TO YOUR MONEY			68
SURRENDERS AND WITHDRAWALS			69
GROSS AND NET WITHDRAWALS			70
SURRENDER CHARGE WAIVERS			71
ADVISORY FEE WITHDRAWALS			72
SYSTEMATIC PAYOUT OPTION			73
INVOLUNTARY CASHOUT			73
SIGNATURE GUARANTEE			73
DEATH BENEFIT			74
GENERAL			74
BENEFICIARIES			76
GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER			76
THE DEATH BENEFIT AMOUNT			77
DEATH AFTER THE ANNUITY COMMENCEMENT DATE			80
BENEFICIARY CONTINUATION			80
ANNUITY PAYMENTS (INCOME PHASE)			82
TAX INFORMATION			84
DISTRIBUTION			94
OTHER INFORMATION			95
COMPANY OVERVIEW			102
BUSINESS			102
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS			124
FINANCIAL STATEMENTS			1
APPENDIX A			A-1
INTERIM VALUE CALCULATIONS AND EXAMPLES			A-1
INTERIM VALUE FORMULA			A-1
CALCULATING OPTION VALUE			A-2
DERIVATIVE DESCRIPTIONS			A-3
EXAMPLES			A-3
APPENDIX B			B-1
ADDITIONAL EXAMPLES FOR INDEX ACCOUNT OPTIONS			B-1
APPENDIX C			C-1
REDUCTION TO GUARANTEED MINIMUM DEATH BENEFIT FOR WITHDRAWALS UNDER GMDB RIDER			C-1
APPENDIX D			D-1
ADDITIONAL INDEX INFORMATION.			D-1
S&P 500® INDEX			D-1
FIDELITY WORLD FACTOR LEADERS INDEXSM 0.5% AR			D-2
iSHARES® RUSSELL 2000 ETF			D-2
iSHARES® U.S. TECHNOLOGY ETF			D-3

•

A six-year surrender charge period applies to the initial and any additional premium payment. In addition, a surrender or withdrawal may be subject to federal and state income taxes and a 10% federal penalty tax if made before age 59^1/2.

~~GLOSSARY~~• You may be able to pay investment advisory fees directly from this Policy. Advisory fee withdrawals will reduce your Policy value and will be subject to the same risks and consequences of withdrawals, including surrender charges, interim value adjustments, negative adjustments, and income taxes and tax penalties and proportionate reductions to the death benefit. For tax-qualified Policies, there is no maximum limit on advisory fee withdrawals. For non-qualified Policies, advisory fee withdrawals are subject to a maximum limit of 1.5% of the Policy’s cash value (determined without regard to any surrender charges) each Policy Year. We will not report advisory fee withdrawals as taxable distributions to the IRS. However, we cannot guarantee that federal and/or state taxing authorities will not subject advisory fee withdrawals to income taxes or tax penalties. You should consult a tax professional.

~~Account~~Our –financial Anobligations ~~Index~~under ~~Account,~~ the ~~Fixed~~Policy ~~Account,~~are ~~the~~subject ~~Fixed~~to ~~Holding~~our ~~Account,~~financial orstrength ~~the~~and ~~Performance~~claims-paying ~~Lock Account~~ability.

~~Accrued~~The ~~Credit~~Securities ~~Advantage~~and ~~Fees~~Exchange –Commission ~~Accrued~~(the ~~Credit~~“SEC”) ~~Advantage~~has ~~Fees~~not ~~are~~approved ~~used~~or todisapproved ~~calculate~~these ~~Interim~~securities ~~Values~~or ~~for~~passed anupon ~~Index~~the ~~Account~~adequacy ~~Option~~of ~~subject to a Credit~~this ~~Advantage Fee~~prospectus. ~~Interim~~Any ~~Values~~representation ~~will reflect a dollar for dollar reduction equal~~ to ~~Accrued~~the ~~Credit~~contrary ~~Advantage~~is ~~Fees, which accrue on~~ a ~~daily~~criminal ~~basis during the Crediting Period~~offense.

~~Administrative~~If ~~Office~~you –are ~~Transamerica~~a ~~Life~~new ~~Insurance~~investor ~~Company~~in the Policy, ~~Attention:~~you ~~Customer~~may ~~Care~~cancel ~~Group~~your Policy within 10 days (30 days for replacement Policies). In some states or circumstances, ~~6400~~this Cperiod ~~Street~~may SWbe longer. Upon cancellation, ~~Cedar~~you ~~Rapids~~will receive the value of your Policy, IAplus ~~52499~~any fees or charges deducted on the date of cancellation, unless a different amount is required by law. If you invest in an Index Account Option, you will be subject to risk of loss during the right to cancel period because the amount refunded will be based on an interim value. State law may require us to refund the greater of your Policy value or your premium payment(~~800~~s). ~~525-6205~~For IRAs, we will refund your premium payment(s) if cancelled within the first seven days of the right to cancel period.

~~Advisory~~Transamerica ~~Fee~~Capital, ~~Withdrawals~~Inc. ~~(advisory~~is ~~fee~~the ~~withdrawals)~~principal –underwriter ~~If you are receiving investment advice from a financial professional who charges you investment advisory fees~~ for ~~their services, you may request that your financial professional or financial professional’s firm be permitted to request withdrawals from~~ the Policy. ~~for~~The ~~the~~minimum ~~purpose~~initial ~~of paying~~premium ~~your~~is ~~investment advisory fees~~$25,000. ~~Investment~~This ~~advisory~~prospectus ~~fees~~is ~~are~~not inan ~~addition~~offer to ~~and~~sell ~~separate from~~ the securities, ~~Policy’s fees~~ and ~~charges.~~it ~~For~~is ~~tax-qualified~~not ~~Policies~~soliciting ~~issued as~~ an ~~IRA~~offer ~~or in connection with certain tax-qualified retirement plans, there is no maximum limit on advisory fee withdrawals. For non-qualified Policies, advisory fee withdrawals are subject~~ to abuy ~~maximum limit of 1.5% of~~ the ~~Policy’s~~securities, ~~cash~~in ~~value (determined without regard to~~ any ~~surrender~~state ~~charges)~~where ~~each~~offers ~~Policy~~or ~~Year.~~sales ~~Please~~are ~~contact~~not ~~our Administrative Office to inquire about setting up advisory fee withdrawals~~permitted.

~~Allocation~~Prospectus Date: ~~Account~~[ ], –2024 ~~An Index Account Option or the Fixed Account Option.~~

LOGO

AllocationTable Anniversary – Each twelve-month anniversary of the Crediting Period start date of an Index Account Option. The number of Allocation Anniversaries is equal to the length of the Crediting Period in years. Contents

•Table ~~For~~of aContents 1-year Crediting Period, there would be only one Allocation Anniversary. For example, if you begin a 1-year Crediting Period for an Index Account Option on January 1, 2022, the only Allocation Anniversary would be January 1, 2023.

• For a 2-year Crediting Period, there would be two Allocation Anniversaries. For example, if you begin a 2-year Crediting Period for an Index Account Option on January 1, 2022, the Allocation Anniversaries would be January 1 of 2023 and 2024.


GLOSSARY		1
SUMMARY		7
BUYING THE POLICY		7
PHASES OF THE POLICY		7
FEES AND CHARGES		12
TYPES OF ACCOUNTS		13
ALLOCATION ACCOUNTS		18
PRODUCT RISK FACTORS		22
RISK OF LOSS		22
ALLOCATION ACCOUNT AVAILABILITY RISK		22
LIQUIDITY RISK		23
INDEX PERFORMANCE RISK		24
WITHDRAWAL AND SURRENDER RISK		27
BUFFER RISK		29
GROWTH OPPORTUNITY TYPE RISK		30
INTERIM VALUE RISK		30
NEGATIVE ADJUSTMENT TO INDEX BASE RISK		31
PERFORMANCE LOCK RISK		32
CREDIT ADVANTAGE RISK		33
DEATH BENEFIT SELECTION RISK		33
INDEX SUBSTITUTION RISK		34
RISK OF LOSS DURING CANCELLATION PERIOD		34
FINANCIAL STRENGTH AND CLAIMS-PAYING ABILITY		35
CYBER SECURITY AND BUSINESS CONTINUITY RISKS		35
FEES AND CHARGES		35
SURRENDER CHARGES		35
MAXIMUM POTENTIAL LOSS DUE TO INTERIM VALUE		37
SERVICE CHARGE		37
GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER FEE		37
CREDIT ADVANTAGE FEE		38
SPECIAL SERVICE FEES		40
REDUCED FEES AND CHARGES		40
ORDERING OF FEES AND CHARGES		40
PREMIUM TAXES		41
FEDERAL, STATE, AND LOCAL TAXES		41

• For a 6-year Crediting Period, there would be six Allocation Anniversaries. For example, if you begin a 6-year Crediting Period for an Index Account Option on January 1, 2022, the Allocation Anniversaries would be January 1 of 2023, 2024, 2025, 2026, 2027, and 2028.


INDEX SUBSTITUTIONS		53
PERFORMANCE LOCK		54
THE INDEXES		56
MARKET INDEXES		56
EXCHANGE TRADED FUNDS (ETFS)		58
AVAILABLE ALLOCATION ACCOUNTS		59
FIXED ACCOUNT OPTION		59
AVAILABLE INDEX ACCOUNT OPTIONS		59
SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT		75
ABILITY TO TRANSFER BETWEEN ALLOCATION ACCOUNTS		77
CREDITING PERIODS EXTENDING BEYOND THE LATEST ANNUITY COMMENCEMENT DATE		77
DEFAULT OPTION		77
ACCESS TO YOUR MONEY		78
SURRENDERS AND WITHDRAWALS		79
GROSS AND NET WITHDRAWALS		80
SURRENDER CHARGE WAIVERS		80
ADVISORY FEE WITHDRAWALS		82
SYSTEMATIC PAYOUT OPTION		83
INVOLUNTARY CASHOUT		83
SIGNATURE GUARANTEE		83
DEATH BENEFIT		84
GENERAL		84
BENEFICIARIES		86
GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER		86
THE DEATH BENEFIT AMOUNT		88
DEATH AFTER THE ANNUITY COMMENCEMENT DATE		90
BENEFICIARY CONTINUATION		91
ANNUITY PAYMENTS (INCOME PHASE)		93
TAX INFORMATION		95
DISTRIBUTION		106
OTHER INFORMATION		107
COMPANY OVERVIEW		115
BUSINESS		115
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS (FOR THE THREE YEARS ENDED DECEMBER 31, 2023)		138
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS (FOR THE SIX MONTHS ENDED JUNE 30, 2024)		150

AnnuitantTable –of The person on whose life any annuity payments involving life contingencies will be based. Contents

Annuity Commencement Date – The date upon which annuity payments are to commence.


ADVISORY FEES		41
THE ANNUITY		41
PURCHASE		42
PREMIUM PAYMENTS		43
INITIAL PREMIUM PAYMENT		43
ADDITIONAL PREMIUM PAYMENTS		44
MAXIMUM TOTAL PREMIUM PAYMENTS		44
ALLOCATION OF PREMIUM PAYMENTS		45
POLICY VALUE AND CASH VALUE		46
POLICY VALUE		46
CASH VALUE		46
TYPES OF ACCOUNTS		46
FIXED HOLDING ACCOUNT		46
FIXED ACCOUNT OPTION		47
INDEX ACCOUNT OPTIONS		47
PERFORMANCE LOCK ACCOUNT		48
VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION		48
INDEX ACCOUNT OPTION VALUE		48
NEGATIVE ADJUSTMENTS TO INDEX BASE		49
INTERIM VALUES		50

Beneficiary (beneficiary) – A person designated to receive the death benefit.


AUDITED FINANCIAL STATEMENTS FOR THE THREE YEARS ENDED DECEMBER 31, 2023		161
UNAUDITED FINANCIAL STATEMENTS FOR THE SIX MONTHS ENDED JUNE 30, 2024		162
APPENDIX A		A-1
INTERIM VALUE CALCULATIONS AND EXAMPLES		A-1
APPENDIX B		B-1
ADDITIONAL EXAMPLES FOR INDEX ACCOUNT OPTIONS		B-1
APPENDIX C		C-1
REDUCTION TO GUARANTEED MINIMUM DEATH BENEFIT FOR WITHDRAWALS UNDER GMDB RIDER		C-1
APPENDIX D		D-1
ADDITIONAL INDEX INFORMATION		D-1
S&P 500^® INDEX		D-1
FIDELITY WORLD FACTOR LEADERS INDEX^SM 0.5% AR		D-2
FIRST TRUST EQUITY EDGE INDEXTM		D-2
iSHARES^® RUSSELL 2000 ETF		D-5
iSHARES^® U.S. TECHNOLOGY ETF		D-5

BestTable Entryof Reset Maximum – For a Best Entry Enhanced Index Account Option, a percentage representing the maximum total reduction in the Initial Index Value allowed due to one or more resets. Contents

~~Best~~GLOSSARY Entry Reset Minimum Value – For a Best Entry Enhanced Index Account Option, the lowest value to which the Initial Index Value can be reset. The Best Entry Reset Minimum Value equals the Index Value at the beginning of the Crediting Period multiplied by (1 plus the Best Entry Reset Maximum).

~~Best~~Account ~~Entry Reset Threshold~~ – ~~For~~An ~~a Best Entry Enhanced~~ Index Account ~~Option~~, the ~~net~~Fixed ~~percentage~~Account, ~~decrease in~~ the ~~Index~~Fixed ~~Value~~Holding ~~necessary to reset the Initial Index Value on an Observation Day~~Account, ~~comparing~~or the ~~Index~~Performance ~~Value~~Lock ~~at the beginning of the Crediting Period to the Index Value on that Observation Day~~Account.

1Accrued Credit Advantage Fees – Accrued Credit Advantage Fees are used to calculate Interim Values for an Index Account Option subject to a Credit Advantage Fee. Interim Values will reflect a dollar for dollar reduction equal to Accrued Credit Advantage Fees, which accrue on a daily basis during the Crediting Period.

~~Bond~~Administrative ~~Reference~~Office ~~Portfolio Yield~~ – ATransamerica ~~reference~~Life ~~portfolio~~Insurance ~~yield~~Company, ~~rate~~Attention: ~~which~~Customer isCare ~~the~~Group, ~~sum~~6400 ofC aStreet ~~treasury rate~~SW, ~~and~~Cedar anRapids, ~~option~~IA ~~adjusted~~52499, ~~spread~~(800) ~~from a widely utilized bond index~~525-6205. ~~The Bond Reference Portfolio Yield used to calculate Interim Value on a given Business Day will be based on the option adjusted spread as of the prior Business Day.~~

~~Buffer~~Advisory Fee Withdrawals (advisory fee withdrawals) – ~~The~~If ~~Downside~~you ~~Protection~~are ~~Type~~receiving ~~for~~investment ~~the~~advice ~~available~~from a ~~Index~~financial ~~Account~~professional ~~Options.~~who Ifcharges you ~~select~~investment anadvisory ~~Index~~fees ~~Account~~for ~~Option~~their services, ~~your~~you ~~investment~~may ~~will~~request ~~incur loss~~that atyour ~~the~~financial ~~end~~professional ofor ~~the~~financial ~~Crediting~~professional’s ~~Period~~firm ~~for~~be ~~negative~~permitted ~~Index~~to ~~performance~~request ~~beyond~~withdrawals from the ~~Buffer~~Policy ~~Rate.~~for If the ~~negative~~purpose ~~Index~~of paying ~~performance~~your ~~does~~investment ~~not~~advisory gofees. ~~beyond~~Investment ~~the~~advisory ~~Buffer~~fees ~~Rate,~~are ~~you~~in ~~will~~addition ~~not~~to ~~incur~~and ~~loss~~separate asfrom athe ~~result~~Policy’s offees ~~that~~and ~~negative Index performance~~charges. For ~~example, if~~tax-qualified ~~you~~Policies ~~select~~issued as an ~~Index~~IRA ~~Account~~or ~~Option~~in connection with acertain tax-qualified ~~Buffer~~retirement ~~Rate~~plans, ofthere ~~10%,~~is ~~and~~no atmaximum ~~the~~limit ~~end~~on ofadvisory ~~the~~fee ~~Crediting~~withdrawals. ~~Period~~For ~~the~~non-qualified ~~Index~~Policies, ~~Change~~advisory isfee ~~-5%,~~withdrawals ~~your~~are ~~Index~~subject ~~Credit~~to ~~Rate~~a ~~would~~maximum limit beof 01.5% ~~(i.e.,~~of nothe ~~loss~~Policy’s ~~due~~cash tovalue ~~negative~~(determined ~~Index performance).~~without Ifregard ~~the~~to ~~Index~~any ~~Change~~surrender ~~were~~charges) ~~-15%,~~each ~~your~~Policy ~~Index~~Year. ~~Credit~~Please ~~Rate~~contact ~~would~~our beAdministrative ~~-5%~~Office ~~and~~to ~~you~~inquire ~~would~~about ~~incur~~setting ~~loss~~up advisory fee withdrawals.

~~Buffer~~Allocation ~~Rate~~Account – AAn ~~percentage used to calculate the~~ Index ~~Credit Rate for an Index~~ Account Option ~~when~~or the ~~Index~~Fixed ~~Change~~Account ~~is negative~~Option.

~~Business~~Allocation ~~Day~~Anniversary – ~~Any~~Each ~~day~~twelve-month ~~when~~anniversary of the ~~New~~Crediting ~~York~~Period ~~Stock~~start ~~Exchange~~date of an Index Account Option. The number of Allocation Anniversaries is ~~open~~equal ~~for~~to ~~regular~~the ~~trading~~length of the Crediting Period in years.

~~Cap~~• –For Aa ~~Growth~~1-year ~~Opportunity Type. If you select an Index Account Option with Cap, you will participate in positive Index performance at the end of the~~ Crediting Period ~~up to the Cap Rate~~, ~~but~~there nowould ~~positive~~be ~~Index~~only ~~performance~~one ~~beyond~~Allocation ~~the Cap Rate~~Anniversary. For ~~instance~~example, if you ~~select~~begin ~~an Index Account Option with~~ a ~~Cap~~1-year ~~Rate of 10%, and at the end of the~~ Crediting Period ~~the~~for an Index ~~Change~~Account isOption ~~5%, your~~on ~~Index~~January ~~Credit~~1, ~~Rate (i.e.~~2022, ~~your~~the ~~Index~~only ~~rate~~Allocation ofAnniversary ~~return)~~ would be ~~+5%.~~January ~~If the Index Change were 15%~~1, ~~your Index Credit Rate would be limited to +10%~~2023.

~~Cap~~• ~~Rate~~For –a ~~For~~2-year anCrediting ~~Index~~Period, ~~Account~~there ~~Option~~would ~~with~~be ~~Cap~~two Allocation Anniversaries. For example, ~~the~~if ~~percentage~~you ~~used~~begin toa ~~calculate~~2-year ~~the~~Crediting Period for an Index ~~Credit~~Account ~~Rate~~Option ifon January 1, 2022, the ~~Index~~Allocation ~~Change~~Anniversaries iswould ~~positive~~be January 1 of 2023 and 2024.

~~Company~~• ~~(we,~~For usa 6-year Crediting Period, ~~our)~~there –would ~~Transamerica~~be ~~Life~~six ~~Insurance~~Allocation ~~Company~~Anniversaries. For example, if you begin a 6-year Crediting Period for an Index Account Option on January 1, 2022, the Allocation Anniversaries would be January 1 of 2023, 2024, 2025, 2026, 2027, and 2028.

~~Credit~~Annuitant ~~Advantage~~ – WeThe ~~currently~~person ~~offer~~on ~~certain~~whose ~~Index~~life ~~Account~~any ~~Options~~annuity ~~with~~payments ~~Growth~~involving ~~Opportunity~~life ~~Types~~contingencies ~~that are designated as “Credit Advantage.” You~~ will pay an additional fee if you select one of these Index Account Options for investment. In exchange for the additional fee, these Index Account Options provide more upside potential, based on the rates we declare for their Growth Opportunity Types, than would be ~~provided if their Growth Opportunity Types were not designated as “Credit Advantage~~based.”

~~Credit Advantage~~Annuity ~~Fee~~Commencement Date – The ~~additional~~date ~~fee~~upon ~~charged~~which ~~when~~annuity ~~you~~payments ~~invest~~are into ~~an Index Account Option with a Credit Advantage Growth Opportunity Type~~commence.

~~Crediting~~Beneficiary ~~Period~~(beneficiary) – ~~The~~A ~~duration~~person ofdesignated anto ~~Allocation~~receive ~~Account’s investment term, expressed in years. The Crediting Period is also~~ the ~~period~~death ~~of time during which the performance of an Index Account Option is linked to the performance of an Index~~benefit.

~~Default~~Best ~~Option~~Entry Reset Maximum – ~~Currently~~For a Best Entry Enhanced Index Account Option, a percentage representing the ~~Fixed~~maximum total reduction in the Initial ~~Account~~Index ~~Option~~Value allowed due to one or more resets.

~~Downside~~Best ~~Protection~~Entry ~~Type~~Reset Minimum Value – AFor ~~feature~~a ofBest anEntry Enhanced Index Account Option, ~~that~~the ~~provides~~lowest value ~~limited~~to ~~protection~~which ~~from~~the ~~negative~~Initial Index ~~performance~~ Value can be reset. ~~(Buffer~~The isBest Entry Reset Minimum Value equals the ~~only~~Index ~~Downside~~Value ~~Protection~~at ~~Type~~the ~~that~~beginning weof ~~are~~the ~~currently~~Crediting ~~offering~~Period asmultiplied ~~part~~by of(1 plus the ~~Index~~Best ~~Account~~Entry ~~Options.~~Reset Maximum).

~~Final~~1 ~~Index Value – The Index Value for the final day of a Crediting Period.~~

FixedTable Accountof – The fixed interest account supporting the Fixed Account Option and the Performance Lock Account. Contents

~~Fixed~~Best Entry Reset Threshold – For a Best Entry Enhanced Index Account Option, –the ~~The~~net ~~fixed~~percentage decrease ~~interest~~in ~~investment~~the ~~option~~Index ~~under~~Value necessary to reset the ~~Policy~~Initial Index Value on an Observation Day, comparing the Index Value at the beginning of the Crediting Period to the Index Value on that Observation Day.

~~Fixed~~Bond ~~Holding~~Reference ~~Account~~Portfolio Yield – ~~The~~A ~~interest-bearing~~reference ~~account~~portfolio ~~generally~~yield inrate which ~~premium~~is ~~payments~~the ~~are~~sum ~~held~~of ~~until~~a ~~allocated~~treasury torate and an ~~Allocation~~option ~~Account~~adjusted spread from a widely utilized bond index. The Bond Reference Portfolio Yield used to calculate Interim Value on a given Business Day will be based on the option adjusted spread as of the prior Business Day.

2Buffer – The Downside Protection Type for the available Index Account Options. If you select an Index Account Option, your investment will incur loss at the end of the Crediting Period for negative Index performance beyond the Buffer Rate. If the negative Index performance does not go beyond the Buffer Rate, you will not incur loss as a result of that negative Index performance. For example, if you select an Index Account Option with a Buffer Rate of 10%, and at the end of the Crediting Period the Index Change is -5%, your Index Credit Rate would be 0% (i.e., no loss due to negative Index performance). If the Index Change were -15%, your Index Credit Rate would be -5% and you would incur loss.

~~Guaranteed~~Buffer ~~Minimum~~Rate ~~Death Benefit (guaranteed minimum death benefit)~~ – ~~The~~A ~~minimum~~percentage ~~death~~used ~~benefit provided~~to bycalculate the ~~Guaranteed~~Index ~~Minimum~~Credit ~~Death~~Rate ~~Benefit (GMDB) rider, which may be elected~~ for an ~~additional~~Index ~~charge~~Account atOption ~~the~~when ~~time you purchase~~ the ~~Policy.~~Index ~~The~~Change guaranteed minimum death benefit will equal 100% of the Policy Value as of the rider effective date. Thereafter, over the life of the rider, the guaranteed minimum death benefit will increase dollar for dollar for subsequent premium payments, and will be proportionately reduced by withdrawals. If the GMDB rider has been elected, the guaranteed minimum death benefit is ~~only payable upon the death of the Annuitant during the accumulation phase~~negative.

~~GMDB~~Business ~~Benefit~~Day ~~Base~~ – ~~Under~~Any ~~the Guaranteed~~day ~~Minimum~~when ~~Death Benefit rider,~~ the ~~GMDB~~New ~~Benefit~~York ~~Base~~Stock ~~equals~~Exchange ~~the~~is ~~guaranteed~~open ~~minimum death benefit under the rider (including any increases~~ for ~~additional~~regular ~~premium payments and proportionate reductions for withdrawals)~~trading.

~~Good~~Cap ~~Order~~– ~~(good~~A ~~order)~~Growth –Opportunity ~~The~~Type. ~~receipt~~If byyou ~~the~~select ~~Company,~~an atIndex ~~our~~Account ~~Administrative~~Option ~~Office~~with Cap, you will participate in positive Index performance at the end of the ~~all~~Crediting ~~information~~Period up to the Cap Rate, ~~documentation~~but no positive Index performance beyond the Cap Rate. For instance, ~~instructions~~if you select an Index Account Option with a Cap Rate of 10%, and~~/or premium~~ ~~payment~~at ~~deemed~~the ~~necessary~~end byof the ~~Company~~Crediting toPeriod ~~issue~~ the ~~Policy~~Index orChange ~~execute~~is ~~any~~5%, ~~transaction~~your ~~pursuant~~Index Credit toRate ~~the~~(i.e., ~~terms~~your Index rate of return) would be +5%. If the ~~Policy~~Index Change were 15%, your Index Credit Rate would be limited to +10%.

~~Growth Opportunity~~Cap ~~Type~~Rate – AFor ~~feature of~~ an Index Account Option ~~that~~with ~~determines~~Cap, ~~how and~~ the ~~extent~~percentage used to ~~which~~calculate anthe Index ~~Account~~Credit ~~Option~~Rate ~~will~~if ~~participate in positive Index performance. (Cap and Participation are~~ the ~~only Growth Opportunity Types that we are currently offering as part of the~~ Index ~~Account~~Change ~~Options~~is positive.)

~~Index~~Company (we, –us, ~~The~~our) ~~market~~– ~~index~~Transamerica orLife ~~exchange-traded~~Insurance ~~fund to which an Index Account Option may be linked~~Company.

Credit Advantage – We currently offer certain Index Account /Options with Growth Opportunity Types that are designated as “Credit Advantage.” You will pay an additional fee if you select one of these Index Account ~~Option~~Options –for Aninvestment. ~~index-linked~~In ~~investment~~exchange ~~option~~for ~~under~~the additional fee, these Index Account Options provide more upside potential, based on the ~~Policy~~rates we declare for their Growth Opportunity Types, than would be provided if their Growth Opportunity Types were not designated as “Credit Advantage.”

~~Index~~Credit ~~Account~~Advantage ~~Option~~Fee ~~Value~~ – The ~~value~~additional offee ~~your~~charged ~~investment~~when you invest in an Index Account Option atwith ~~the~~a ~~end~~Credit ofAdvantage aGrowth ~~Crediting~~Opportunity ~~Period~~Type.

~~Index~~Crediting ~~Base~~Period – The ~~portion~~duration of ~~the Policy Value allocated to~~ an ~~Index~~Allocation Account’s ~~Option~~investment term, ~~less~~expressed ~~the~~in ~~sum~~years. ofThe ~~any~~Crediting ~~adjustments~~Period ~~for~~is ~~withdrawals~~also orthe ~~fees~~period ~~and~~of ~~charges~~time ~~deducted~~during ~~from~~which the performance of an Index Account Option ~~since~~is ~~inception~~linked ofto athe ~~Crediting~~performance ~~Period~~of an Index.

~~Index~~Death ~~Change~~Benefit – ~~The~~Upon ~~net~~the ~~percentage~~death ~~change~~of inthe Annuitant during the ~~Index~~ accumulation phase, an amount payable equal to the Policy Value, ~~between~~or if the ~~first~~GMDB ~~day~~Rider is in effect, the greater of athe ~~Crediting~~Policy ~~Period~~Value ~~and~~or the ~~last~~GMDB. ~~day~~If ofthe Owner is not the ~~Crediting~~Annuitant, ~~Period~~we will pay the Cash Value if the Owner predeceases the Annuitant during the accumulation phase.

~~Index~~Default ~~Credit~~Option – ACurrently, ~~dollar~~the ~~amount~~Fixed ~~of gain or loss reflected in your Index~~ Account Option ~~Value at the end of a Crediting Period~~. ~~Index Credit may be positive, negative, or equal to zero.~~

~~Index~~2 ~~Credit Rate – A percentage gain or loss used to calculate your Index Account Option Value at the end of a Crediting Period. The Index Credit Rate may be positive, negative, or equal to zero.~~

IndexTable Value – The value of an Index at the end of a day. When the Index is a market index, the Index Value at the end of a day is the closing value of the Index for that day. When the Index is an exchange-traded fund, the Index Value at the end of a day is the closing share price of the fund for that day on the fund’s primary stock exchange. The Index Value on any day that is not a Business Day is the value of the Index at the end of the next Business Day. The Company relies on the Index Values reported by a third-party. Contents

~~Initial Index~~Downside ~~Value~~Protection Type – ~~The~~A feature of an Index ~~Value~~Account onOption ~~the~~that ~~first~~provides ~~day~~limited ofprotection from anegative ~~Crediting~~Index ~~Period~~performance. ~~The~~(Buffer ~~Initial~~is ~~Index~~the ~~Value~~only ~~may~~Downside beProtection ~~reset~~Type tothat awe ~~lower~~are ~~Index~~currently ~~Value~~offering ~~under~~as apart ~~Best~~of ~~Entry~~the ~~Enhanced~~ Index Account ~~Option~~Options.)

~~Interim~~Final Index Value – The ~~value of an~~ Index ~~Account~~Value ~~Option~~for ~~on any Business Day during~~ the ~~Crediting~~final ~~Period, except the first and last~~ day of ~~the~~ a Crediting Period~~, used to determine the amount available in the Index Account for withdrawals, Surrender, annuitization, and the death benefit and to pay fees and charges~~. If you exercise Performance Lock, the “locked-in” gain or loss will be based on an Interim Value (less any Remaining Credit Advantage Fees and any other applicable charges). The Interim Value for a Business Day is calculated at the end of that Business Day.

3Fixed Account – The fixed interest account supporting the Fixed Account Option and the Performance Lock Account.

~~Interim~~Fixed Values could reflect significantly less gain or more loss than would be applied at the end of the Crediting Period. As such, there could be significantly less money available to you for a transaction that is processed based on an Interim Value. If a premium payment allocated to an Index Account Option is– ~~still~~The ~~within~~fixed ~~its~~interest ~~six-year~~investment ~~surrender~~option ~~charge~~under ~~period,~~the ~~then in addition to applicable surrender charges, your Interim Values may be lower than they would be if there wasn’t an ongoing surrender charge period depending on market conditions~~Policy.

~~Interim~~Fixed ~~Value~~Holding ~~Index~~Account ~~Credit Rate~~ – AThe ~~percentage~~interest-bearing ~~gain~~account orgenerally ~~loss~~in ~~used~~which topremium ~~calculate~~payments anare ~~Interim~~held ~~Value~~until ~~for~~allocated to an ~~Index~~Allocation Account ~~Option~~. ~~The Interim Value Index Credit Rate may be positive, negative, or equal to zero.~~

Guaranteed Minimum ~~Required~~Death ~~Cash~~Benefit ~~Value~~(guaranteed minimum death benefit) – The minimum ~~benefits~~death ~~under~~benefit provided by the Guaranteed Minimum Death Benefit (GMDB) rider. The guaranteed minimum death benefit will equal 100% of the Policy ~~required~~Value as of the rider effective date. Thereafter, over the life of the rider, the guaranteed minimum death benefit will increase dollar for dollar for subsequent premium payments, and will be proportionately reduced by ~~applicable~~withdrawals. ~~state~~If ~~law~~the GMDB rider has been elected, the guaranteed minimum death benefit is only payable upon the death of the Annuitant during the accumulation phase.

~~Negative~~The ~~Adjustment~~GMDB ~~(negative~~rider ~~adjustment)~~may –be Aadded ~~proportional~~to ~~reduction in~~ your ~~Index~~Policy ~~Base~~at ~~if (i) a fee or charge is deducted from an Index Account Option before~~ the ~~conclusion~~time of ~~the Crediting Period; or (ii) you take any type of withdrawal (including an automatic withdrawal~~purchase, ~~advisory~~provided ~~fee~~that ~~withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal) from an Index Account Option before~~ the ~~conclusion~~Annuitant ofis ~~the~~younger ~~Crediting Period. A negative adjustment could be greater~~ than ~~the~~age ~~amount~~81 ~~withdrawn,~~as ~~and could significantly reduce your gains (if any) or contribute to losses at the end~~ of the ~~Crediting~~date ~~Period~~that ~~(because~~ the ~~Index rate of return will be applied to a smaller Index Base). A negative adjustment will also result in lower Interim Values for the remainder of the Crediting Period~~Policy ~~(because~~application ~~the~~is ~~interim rate of return will be applied to a smaller Index Base)~~signed.

~~Observation~~• ~~Day –~~ For aPolicy ~~Best~~applications ~~Entry~~signed ~~Enhanced~~before ~~Index~~May ~~Account Option~~1, ~~any~~2024, ~~day~~the onGMDB ~~which~~rider weis ~~observe~~an ~~the~~optional ~~Index~~benefit, ~~Value~~which toif ~~determine~~elected, ~~whether~~is subject to ~~reset~~an ~~the~~additional ~~Initial Index Value~~charge.

~~Observation~~• ~~Frequency~~For –Policy ~~For~~applications asigned ~~Best Entry~~on ~~Enhanced~~or ~~Index~~after ~~Account~~May ~~Option~~1, 2024, the ~~length~~GMDB ofrider ~~time~~may ~~(i) between~~be a standard or optional benefit depending on the ~~Crediting~~Annuitant’s ~~Period~~age ~~start~~as of the date ~~and~~that the ~~first~~Policy ~~Observation~~application ~~Day~~is ~~and~~signed. ~~(ii) between~~If ~~Observation~~the ~~Days~~Annuitant is younger than age 71, the GMDB rider is a standard benefit that is automatically added to your Policy for no additional charge. If the Annuitant is age 71 to 80, the GMDB rider is an optional benefit, which if elected, is subject to an additional charge.

~~Option~~GMDB ~~Value~~Benefit Base – ~~The~~Under ~~value~~the ofGuaranteed aMinimum ~~hypothetical~~Death ~~portfolio~~Benefit ofrider, ~~options used to estimate~~ the ~~value~~GMDB ofBenefit ~~your~~Base ~~Index~~equals ~~Credit~~the ~~prior~~guaranteed tominimum ~~the~~death ~~end~~benefit ofunder the ~~Crediting Period.~~rider ~~The~~(including ~~replicating~~any ~~portfolio~~increases ~~of options are designated by us~~ for ~~each~~additional ~~Index~~premium ~~Account~~payments ~~Option~~ and ~~are~~proportionate ~~used~~reductions to estimate the fair value of the risk of loss and the possibility of gain at the end of a Crediting Period, expressed in percentage terms. If Option Value calculation data is not available on a Business Day, we will use the last available Option Value calculation data for ~~Interim Values~~ withdrawals).

~~Owner~~Good Order (~~you,~~good ~~your~~order) – The ~~person~~receipt ~~who~~by ~~may~~the ~~exercise~~Company, at our Administrative Office, of all ~~rights~~information, documentation, instructions, and/or ~~privileges~~premium ~~under~~payment deemed necessary by the ~~Policy,~~Company ~~including~~to issue the ~~Owner~~Policy ~~and~~or execute any ~~joint~~transaction ~~Owner~~pursuant to the terms of the Policy.

~~Payee~~Growth Opportunity Type – ~~The~~A ~~person~~feature of an Index Account Option that determines how and the extent to ~~whom~~which ~~annuity~~an ~~payments~~Index Account Option will participate bein ~~made~~positive Index performance. (Cap and Participation are the only Growth Opportunity Types that we are currently offering as part of the Index Account Options.)

~~Participation~~Index – AThe ~~Growth~~market ~~Opportunity~~index ~~Type.~~or ~~Currently,~~exchange-traded ~~all~~fund ~~Index~~to ~~Account Options with Participation are designated as “Credit Advantage,”~~ which ~~means~~ an ~~additional charge will apply to any~~ Index Account Option ~~with~~may ~~Participation. If you select an Index Account Option with Participation, you will participate in a percentage of positive Index performance at the end of the Crediting Period, and that percentage will~~ be ~~the Participation Rate~~linked. For instance, if you select an Index Account Option with Participation and a Participation Rate of 80%, and at the end of the Crediting Period the Index Change is 10%, your Index Credit Rate would be +8%.

~~Participation~~Index ~~Rate~~Account –/ ~~For an~~ Index Account Option ~~with~~– ~~Participation,~~An ~~the~~index-linked ~~percentage~~investment ~~used~~option tounder ~~calculate~~ the ~~Index Credit Rate if the Index Change is positive~~Policy.

~~Performance Lock – A feature that may be exercised for any~~ Index Account Option onValue ~~any~~– ~~Business Day~~The ~~between~~value ~~the first and last day~~ of ~~the Crediting Period. If you exercise the Performance Lock feature,~~ your ~~Interim~~investment ~~Value as of the Performance Lock Date (less any Remaining Credit Advantage Fees and any other applicable charges) will be “locked-~~in.” ~~You~~an ~~will no longer participate in any~~ Index ~~performance (positive or negative) for that Index~~ Account Option, ~~and no Index Credit will be applied~~ at the end of ~~the~~a Crediting Period ~~for that Index Account Option~~.

~~You~~3 may exercise Performance Lock for one, some, or all of your Index Account Options. If you have multiple ongoing Crediting Periods for the same Index Account Option, you may exercise Performance Lock for one, some, or all of them. You may decide not to exercise Performance Lock at all.

4Table of Contents

~~Performance~~Index ~~Lock~~Base ~~Account~~ – AnThe ~~interest-bearing~~portion ~~account~~of tothe ~~which~~Policy ~~your locked-in Interim~~ Value ~~(less~~allocated ~~any~~to ~~Remaining Credit Advantage Fees and any other applicable charges) will be transferred upon exercising Performance Lock for~~ an Index Account Option., ~~The~~less ~~amount held in~~ the sum ~~Performance~~of ~~Lock~~any ~~Account~~adjustments ~~will be credited compound interest daily based on the annual interest rate in effect on that day, and will be reduced on a dollar~~ for ~~dollar~~withdrawals ~~basis~~or ~~for any~~ fees, and charges, ~~or withdrawals~~ deducted from the ~~Performance Lock Account. The Performance Lock Account is part of our Fixed Account. If you exercise Performance Lock multiple times (for different~~ Index Account ~~Options or different Crediting Periods for the same Index Account~~ Option) ~~within~~since ainception ~~one year period, amounts held in the Performance Lock Account that are attributable to one exercise~~ of ~~Performance~~a ~~Lock~~Crediting ~~will be treated as distinct from any amounts attributable to another exercise of Performance Lock~~Period.

~~Performance~~Index ~~Lock~~Change – ~~Date~~The –net Ifpercentage ~~you~~change ~~exercise~~in the ~~Performance Lock feature for an~~ Index ~~Account~~Value ~~Option,~~between the ~~date~~first asday of ~~which~~a ~~your~~Crediting ~~Interim~~Period ~~Value for that Index Account Option (less any Remaining Credit Advantage Fees~~ and ~~any~~the ~~other~~last ~~applicable~~day ~~charges)~~of isthe ~~locked-in~~Crediting Period.

~~Policy~~Index Credit – ~~The~~A ~~Transamerica~~dollar ~~Structured~~amount of gain or loss reflected in your Index ~~AdvantageSM~~Account ~~Annuity~~Option Value at the end of a Crediting Period. Index Credit may be positive, negative, or equal to zero.

~~Policy~~Index ~~Anniversary~~Credit Rate – ~~The~~A ~~anniversary~~percentage ofgain ~~the~~or ~~Policy~~loss ~~Date~~used ~~for~~to ~~each~~calculate ~~year~~your ~~the~~Index ~~Policy~~Account ~~remains~~Option inValue ~~force.~~at Ifthe aend ~~certain~~of ~~date~~a ~~does~~Crediting ~~not~~Period. ~~exist~~The inIndex ~~a given~~Credit ~~month,~~Rate ~~the~~may ~~first~~be ~~day~~positive, ofnegative, ~~the~~or ~~following~~equal ~~month~~to ~~will be used~~zero.

~~Policy~~Index ~~Date~~Value – The ~~date~~value of an Index at the end of a day. When the Index is a market index, the Index Value at the end of a day is the closing value of the Index for that day. When the Index is an exchange-traded fund, the Index Value at the end of a day is the closing share price of the fund for that day on ~~which~~the fund’s primary stock exchange. The Index Value on any day that is not a Business Day is the ~~Policy~~value ~~becomes~~of ~~effective~~the Index at the end of the next Business Day. The Company relies on the Index Values reported by a third-party. If for any reason, the Index Value for a Business Day is not provided to the Company, the Index Value for that Business Day will be the most recently provided Index Value.

~~Policy~~Initial ~~Quarter~~Index Value – ~~Each~~The Index ~~three~~Value ~~month~~on ~~period~~the ~~beginning~~first onday ~~the~~of ~~Policy~~a ~~Date~~Crediting Period. The Initial Index Value may be reset to a lower Index Value under a Best Entry Enhanced Index Account Option.

~~Policy~~Interim Value – The ~~amount~~value ~~that~~of ~~represents~~an Index Account Option on any Business Day during the ~~value~~Crediting Period, except the first and last day of ~~your~~the Crediting ~~investment~~Period, used to determine the amount available in the ~~Accounts~~Index Account for withdrawals, Surrender, annuitization, and the death benefit and to pay fees and charges. If you exercise Performance Lock, the “locked-in” gain or loss will be based on an Interim Value (less any Remaining Credit Advantage Fees and any other applicable charges). The Interim Value for a Business Day is calculated at the end of that Business Day.

~~Policy~~Interim ~~Year~~Values –could ~~The~~reflect ~~12-month~~significantly ~~period~~less ~~following~~gain or more loss than would be applied at the ~~Policy~~end ~~Date~~of the Crediting Period. ~~The~~As such, ~~first~~there ~~Policy~~could ~~Year~~be ~~starts~~significantly less money available to you for a transaction that is processed based on ~~the~~an ~~Policy Date~~Interim Value. ~~Each~~If ~~subsequent~~a ~~Policy~~premium ~~Year~~payment ~~starts~~allocated onto ~~the~~an ~~Policy~~Index ~~Anniversary~~Account Option is still within its six-year surrender charge period, then in addition to applicable surrender charges, your Interim Values may be lower than they would be if there wasn’t an ongoing surrender charge period depending on market conditions.

~~Premium~~Interim ~~Payment~~Value ~~(premium~~Index ~~payment)~~Credit Rate – AnA ~~amount~~percentage ~~paid~~gain or loss used to uscalculate byan orInterim onValue ~~behalf of~~for an ~~Owner,~~Index asAccount Option. ~~consideration~~The ~~for~~Interim ~~the~~Value ~~benefits~~Index ~~provided~~Credit ~~under~~Rate ~~the~~may ~~Policy~~be positive, negative, or equal to zero.

~~Remaining~~Minimum ~~Credit~~Required ~~Advantage~~Cash ~~Fees~~Value – ~~Applicable~~The ~~only~~minimum ~~to an Index~~benefits ~~Account~~under ~~Option subject to a Credit Advantage Fee. Before~~ the ~~end~~Policy ofrequired ~~the~~by ~~Crediting~~applicable ~~Period,~~state ~~Remaining Credit Advantage Fees equal the total Credit Advantage Fee less any Credit Advantage Fees that were previously assessed~~law. ~~At the end of the Crediting Period, Remaining Credit Advantage Fees equal the total Credit Advantage Fee less any Credit Advantage Fees that were previously assessed.~~

~~Renewal Letter~~Negative Adjustment (negative adjustment) – WeA ~~will~~proportional ~~send~~reduction ~~existing~~in ~~Owners~~your Index Base if (i) a ~~personalized~~fee ~~letter~~or atcharge ~~least~~is 21deducted ~~days~~from an Index Account Option before the ~~end~~conclusion of ~~each~~the Crediting Period; (or at(ii) you ~~least~~take 21any ~~days~~type ~~before~~of ~~the~~withdrawal ~~next~~(including ~~Allocation~~an ~~Anniversary~~automatic ~~after~~withdrawal, ~~exercising~~advisory ~~Performance~~fee ~~Lock~~withdrawal, ~~for~~minimum anrequired ~~Index Account Option).~~distribution, ~~Among~~surrender ~~other~~charge-free ~~information~~withdrawal, ~~your~~or ~~Renewal~~any ~~Letter~~other ~~will: (i~~withdrawal) ~~remind~~ ~~you~~from ofan ~~your~~Index ~~opportunity~~Account toOption ~~decide~~before ~~how~~the ~~your~~conclusion ~~Policy~~of ~~Value~~the ~~should~~Crediting bePeriod. ~~re-invested;~~A ~~(ii) remind~~negative ~~you~~adjustment ofcould be greater than the ~~Allocation~~amount ~~Account(s)~~withdrawn, ~~that~~and ~~will~~could ~~be available~~significantly ~~for~~reduce ~~investment,~~your asgains ~~set~~(if any) ~~forth~~or incontribute ~~the~~to ~~prospectus~~losses ~~for~~at the ~~Policy~~end atof ~~that~~the ~~time;~~Crediting Period (~~iii) provide~~because the ~~current~~Index ~~upside~~rate ~~rates~~of ~~for~~return ~~the~~will ~~available~~be ~~Allocation~~applied ~~Account(s);~~to ~~and~~a ~~(iv~~smaller Index Base) ~~remind~~. ~~you~~A tonegative ~~submit~~adjustment ~~instructions~~will toalso usresult atin ~~least~~lower ~~one~~Interim ~~Business Day~~Values ~~before~~for the ~~end~~remainder of the Crediting Period (orbecause the ~~next~~interim ~~Allocation~~rate ~~Anniversary,~~of ifreturn ~~you~~will ~~exercised~~be ~~Performance~~applied ~~Lock~~to a smaller Index Base).

~~Surrender~~Observation Day – AFor ~~full~~a Best Entry Enhanced Index Account ~~withdrawal~~Option, ofany ~~cash~~day ~~value~~on ~~and~~which ~~termination~~we ofobserve the ~~Policy~~Index Value to determine whether to reset the Initial Index Value.

~~Withdrawal~~4 (withdrawal) – A withdrawal of cash value from the Policy that is less than a Surrender. Any withdrawal that you request includes: one-time withdrawals, automatic withdrawals under the systematic payout option, withdrawals taken to satisfy minimum required distributions under the Internal Revenue Code, withdrawals of the surrender charge-free amount (a surrender charge-free withdrawal), withdrawals under the Nursing Care and Terminal Condition Waiver, withdrawals under the Unemployment Waiver, and advisory fee withdrawals.

WrittenTable Noticeof – Written notice, signed by the Owner, that gives us the information we require and is received in good order at the Administrative Office. For some transactions, we may accept an electronic notice or telephone instructions. Such electronic notice must meet the requirements for good order that we establish for such notices. Contents

5Observation Frequency – For a Best Entry Enhanced Index Account Option, the length of time (i) between the Crediting Period start date and the first Observation Day and (ii) between Observation Days.

~~SUMMARY~~Option Value – The value of a hypothetical portfolio of options used to estimate the value of your Index Credit prior to the end of the Crediting Period. The replicating portfolio of options are designated by us for each Index Account Option and are used to estimate the fair value of the risk of loss and the possibility of gain at the end of a Crediting Period, expressed in percentage terms. If Option Value calculation data is not available on a Business Day, we will use the last available Option Value calculation data for Interim Values.

~~The~~Owner Transamerica Structured Index AdvantageSM Annuity is an individual flexible premium deferred index-linked annuity policy. You can use the Policy to accumulate funds for retirement or other long-term financial planning purposes on a tax-deferred basis(you, ~~and~~your) ~~you~~– ~~may choose to convert those accumulated funds into a stream of guaranteed income payments from us.~~ The ~~amount~~person ofwho ~~money~~may ~~that~~exercise ~~you~~all ~~are~~rights ~~able~~and toprivileges ~~accumulate~~ under ~~your Policy will depend upon~~ the ~~performance of the investment options you select, the fees and charges deducted from your~~ Policy, ~~and~~ including the ~~actions~~Owner ~~that you take with respect to your Policy, such as whether~~ and ~~when~~any ~~you~~joint ~~take withdrawals~~Owner. ~~The Policy also includes a death benefit to help you financially protect your designated beneficiaries.~~

~~The~~Payee ~~Policy~~– isThe ~~designed~~person ~~primarily for investors who expect~~ to ~~remain~~whom ~~invested~~annuity inpayments anwill ~~Allocation Account until the end of its Crediting Period and may~~ be ~~appropriate~~ ~~for you if you have a long investment time horizon~~made. ~~This Policy is not designed for people who expect to take early or frequent withdrawals. See PRODUCT RISK FACTORS for information about the Policy’s investment risks.~~

~~Transamerica~~Participation ~~Life~~– ~~Insurance~~A ~~Company~~Growth isOpportunity ~~the~~Type. ~~issuer~~Currently, ofall ~~the~~Index ~~Policy.~~Account AnOptions ~~investment~~with inParticipation ~~the~~are ~~Policy~~designated isas ~~subject~~“Credit toAdvantage,” which ~~the~~means ~~risks~~an ~~related~~additional charge will apply to usany Index Account Option with Participation. ~~Any~~If ~~obligations~~you select an Index Account Option with Participation, you will participate in a percentage of positive Index performance at the end of the Crediting ~~guarantees~~Period, and ~~benefits~~that ~~under~~percentage will be the ~~Policy~~Participation ~~are~~Rate. ~~subject~~For toinstance, ~~our~~if ~~financial~~you ~~strength~~select an Index Account Option with Participation and ~~claims-paying~~a ~~ability.~~Participation ~~See~~Rate ~~COMPANY~~of ~~OVERVIEW~~80%, and ~~FINANCIAL~~at ~~STATEMENTS~~the ~~for~~end ~~detailed~~of ~~information~~the ~~about~~Crediting Period the ~~Company~~Index Change is 10%, ~~including~~your ~~financial~~Index ~~information~~Credit Rate would be +8%.

~~BUYING~~Participation ~~THE~~Rate ~~POLICY~~– For an Index Account Option with Participation, the percentage used to calculate the Index Credit Rate if the Index Change is positive.

IfPerformance ~~you,~~Lock ~~any joint~~– ~~Owner,~~A ~~and~~feature ~~the~~that ~~designated~~may ~~Annuitant~~be ~~are~~exercised ~~younger~~for ~~than~~any ~~age~~Index 86Account asOption ofon ~~the~~any ~~date~~Business Day between the ~~Policy~~first ~~application~~and islast ~~signed,~~day ~~you~~of ~~may buy~~ the ~~Policy~~Crediting Period. ~~You~~If ~~may~~you ~~obtain~~exercise ~~an application to purchase~~ the ~~Policy~~Performance ~~through~~Lock afeature, ~~financial~~your ~~intermediary~~Interim ~~appointed~~Value ~~by us~~ as ~~an insurance~~of ~~agent~~the ~~who~~Performance ~~sells~~Lock ~~the~~Date ~~Policy.~~(less ~~Submit~~any ~~your~~Remaining ~~completed,~~Credit ~~signed,~~Advantage Fees and ~~dated~~any ~~application~~other ~~and~~applicable ~~your~~charges) ~~initial~~will ~~premium~~be ~~payment~~“locked-in.” toYou uswill ~~through~~no ~~your~~longer ~~financial~~participate ~~intermediary.~~in ~~The~~any ~~minimum~~Index ~~initial~~performance ~~premium~~(positive ~~payment~~or isnegative) ~~$25,000.~~for ~~See~~that ~~THE~~Index ~~ANNUITY,~~Account ~~PURCHASE~~Option, ~~PREMIUM~~ ~~PAYMENTS~~and –no ~~INITIAL~~Index ~~PREMIUM~~Credit ~~PAYMENT,~~will ~~and~~be ~~SELECTING~~applied ~~ALLOCATION~~at ~~ACCOUNTS~~the ~~FOR~~end ~~INVESTMENT~~of ~~for~~the ~~additional~~Crediting ~~information~~Period ~~about~~for ~~buying~~that Index ~~the~~Account ~~Policy~~Option.

~~We currently~~You ~~issue~~may ~~Policies~~exercise ~~that~~Performance ~~are~~Lock ~~treated~~for asone, ~~“qualified”~~some, or ~~“non-qualified”~~all ~~under~~of ~~the~~your ~~Internal~~Index ~~Revenue~~Account ~~Code~~Options. ~~Earnings~~If ~~accumulate~~you ~~under~~have ~~the~~multiple ~~Policy~~ongoing ~~on a~~Crediting ~~tax-deferred~~Periods ~~basis~~for ~~and~~the ~~will~~same beIndex ~~taxed~~Account asOption, ~~ordinary income only when withdrawn or otherwise paid out. If~~ you ~~purchase~~may ~~the~~exercise ~~Policy~~Performance ~~through~~Lock anfor ~~individual~~one, ~~retirement~~some, ~~account (IRA)~~ or ~~through~~all aof ~~tax-qualified~~them. ~~plan,~~You ~~you~~may dodecide not ~~get~~to ~~any~~exercise ~~additional~~Performance ~~tax~~Lock ~~benefit~~at ~~under the Policy~~all. ~~See TAX INFORMATION.~~

~~You~~Performance ~~may cancel~~Lock Account – An interest-bearing account to which your ~~Policy~~locked-in ~~after~~Interim ~~you~~Value ~~purchase~~(less itany Remaining Credit Advantage Fees and any other applicable charges) will be transferred upon exercising Performance Lock for an Index Account Option. The amount held in the Performance Lock Account will be credited compound interest daily based on the annual interest rate in effect on that day, ~~but~~and ~~only~~will ifbe ~~you~~reduced ~~cancel~~on ita ~~within~~dollar for dollar basis for any fees, charges, or withdrawals deducted from the ~~prescribed~~Performance ~~period~~Lock Account. ~~See~~The ~~PURCHASE~~Performance –Lock ~~Right~~Account tois ~~Cancel~~part ~~Period~~of our Fixed Account. ~~State~~If ~~variations~~you ~~may~~exercise Performance ~~apply~~Lock tomultiple ~~your~~times ~~Policy.~~(for ~~See~~different ~~OTHER~~Index ~~INFORMATION~~Account –Options ~~State~~or ~~Variations~~different Crediting Periods for the same Index Account Option) within a one year period, amounts held in the Performance Lock Account that are attributable to one exercise of ~~state~~Performance byLock ~~state~~will ~~differences~~be treated as distinct from any amounts attributable to another exercise of Performance Lock.

~~PHASES~~Performance OFLock ~~THE~~Date ~~POLICY~~– If you exercise the Performance Lock feature for an Index Account Option, the date as of which your Interim Value for that Index Account Option (less any Remaining Credit Advantage Fees and any other applicable charges) is locked-in.

~~The~~ Policy, ~~like~~– ~~all~~The ~~deferred~~Transamerica ~~annuity~~Structured ~~policies,~~Index ~~has~~Advantage® ~~two phases: (1) an “accumulation phase” for retirement savings and (2) an “income phase” for a stream of income~~Annuity.

Policy Anniversary – The ~~Accumulation~~anniversary ~~Phase~~of the Policy Date for each year the Policy remains in force. If a certain date does not exist in a given month, the first day of the following month will be used.

~~You~~5 ~~should consider the following important features of the accumulation phase:~~

•Table Index-Linked and Fixed Interest Investment Options. To help you accumulate assets during the accumulation phase, you can invest your premium payments in (and at certain times transfer Policy Value among) the Policy’s available investment options. The available investment options currently include certain index-linked investment options (“Index Account Options”) and a fixed interest option (“Fixed Account Option”) (together “Allocation Accounts”). The performance of your Policy will vary depending on the performance of the Allocation Accounts that you choose. Each Allocation Account has its own unique risks.Contents

6Policy Date – The date on which the Policy becomes effective.

IfPolicy ~~you~~Quarter ~~invest~~– inEach anthree ~~Index~~month ~~Account~~period ~~Option,~~beginning on the ~~Index~~Policy ~~Account Option’s downside protection may not fully protect you from loss~~Date. ~~Your losses could be significant.~~

~~See~~Policy ~~AVAILABLE~~Value ~~ALLOCATION~~– ~~ACCOUNTS~~The ~~for information~~amount ~~about the Allocation Accounts~~ that ~~are~~represents ~~currently~~the ~~available~~value ~~for~~of your investment. ~~See~~in ~~also SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT for important information about how to obtain current upside rates for~~ the ~~Allocation~~ Accounts.

•Policy ~~Crediting~~Year ~~Periods.~~– ~~Each~~The ~~Allocation~~12-month ~~Account~~period ~~has~~following anthe ~~investment~~Policy ~~term,~~Date. ~~expressed~~The infirst ~~years,~~Policy ~~representing~~Year ~~the~~starts ~~duration~~on ofthe anPolicy Date. ~~investment~~Each insubsequent ~~that~~Policy ~~Allocation~~Year ~~Account~~starts (aon ~~“Crediting~~the ~~Period”)~~Policy Anniversary.

•Premium ~~For~~Payment an(premium ~~Index~~payment) ~~Account~~– ~~Option,~~An ~~gain~~amount orpaid ~~loss is generally applied~~ to ~~your~~us ~~Policy~~by ator ~~the~~on ~~end~~ behalf of ~~the~~an ~~Crediting~~Owner, ~~Period.~~as ~~See~~consideration ~~VALUING~~for ~~YOUR~~the ~~INVESTMENT~~benefits INprovided ANunder ~~INDEX~~the ~~ACCOUNT OPTION – INDEX ACCOUNT OPTION VALUE~~Policy.

•Remaining ~~Also~~Credit ~~for~~Advantage anFees ~~Index~~– ~~Account~~Applicable ~~Option,~~only ~~gain~~to oran ~~loss~~Index Account ~~will~~Option besubject ~~applied~~to ~~when~~a ~~any~~Credit ofAdvantage ~~the~~Fee. ~~following~~Before ~~transactions are performed before~~ the end of the Crediting Period~~: (i) Surrender of the Policy; (ii) any type of withdrawal from that Index Account Option (including an automatic withdrawal~~, ~~advisory~~Remaining ~~fee~~Credit ~~withdrawal,~~Advantage ~~minimum~~Fees ~~required~~equal ~~distribution,~~the ~~surrender~~total ~~charge-free~~Credit ~~withdrawal,~~Advantage orFee less any ~~other~~Credit ~~withdrawal);~~Advantage ~~(iii)~~Fees ~~exercise~~that ofwere ~~Performance~~previously ~~Lock;~~assessed. ~~(iv)~~At ~~annuitization of~~ the ~~Policy;~~end ~~(v) payment~~ of the ~~death~~Crediting Period, ~~benefit;~~Remaining orCredit ~~(vi)~~Advantage ~~deduction~~Fees ofequal ~~a fee or charge from that Index Account Option (including~~ the ~~service~~total ~~charge, a GMDB rider fee, or a~~ Credit Advantage Fee, ~~except~~less ~~Accrued~~any Credit Advantage Fees). ~~Such~~that ~~interim~~were ~~gain~~previously ~~and loss calculations are based on Interim Values~~assessed.

~~Interim Values fluctuate daily, positively or negatively. Depending on market conditions, Interim Values could be unfavorable to you~~Renewal ~~because~~Letter ~~they~~– ~~could~~We ~~reflect~~will ~~significantly~~send ~~less~~existing ~~gain~~Owners ora ~~more~~personalized ~~loss~~letter ~~than~~at ~~would~~least be21 ~~applied~~days atbefore the end of aeach Crediting Period. ~~There~~(or ~~could~~at beleast ~~significantly~~21 ~~less~~days ~~money~~before ~~available~~the tonext ~~you~~Allocation ~~for~~Anniversary ~~any~~after ~~transaction~~exercising ~~that~~Performance isLock ~~processed~~for ~~based on~~ an ~~Interim~~Index ~~Value,~~Account ~~which~~Option). ~~could~~Among ~~significantly~~other ~~reduce~~information, ~~the~~your ~~values~~Renewal ~~received~~Letter ~~under~~will: ~~the Policy.~~

~~See~~(i) remind ~~VALUING~~you ~~YOUR~~of ~~INVESTMENT~~your INopportunity ANto ~~INDEX~~decide ~~ACCOUNT~~how ~~OPTION~~your –Policy Value should be re-invested; (ii) remind you of the Allocation Account(s) that will be available for investment, as set forth in the prospectus for the Policy at that time; (iii) provide the current upside rates for the ~~INTERIM~~available ~~VALUES~~Allocation Account(s); and ~~APPENDIX~~(iv) remind A:you ~~INTERIM~~to ~~VALUE~~submit ~~CALCULATIONS~~instructions ~~AND~~to ~~EXAMPLES~~us at least one Business Day before the end of the Crediting Period (or the next Allocation Anniversary, if you exercised Performance Lock).

•Surrender ~~For~~– ~~the~~A ~~Fixed~~full ~~Account~~withdrawal ~~Option,~~of ~~interest~~cash isvalue ~~credited~~and totermination ~~your Policy each day until the end~~ of the ~~Crediting Period~~Policy. ~~See TYPES OF ACCOUNTS – FIXED ACCOUNT OPTION.~~

AtWithdrawal ~~the~~(withdrawal) ~~end~~– ofA ~~the~~withdrawal ~~Crediting~~of ~~Period~~cash ~~for~~value anfrom ~~Allocation Account, you may choose to reinvest in~~ the ~~same Allocation Account for another Crediting Period if it is available for investment at that time. You may also choose to transfer~~ Policy ~~Value in~~ that ~~Allocation Account to any other Allocation Account that~~ is ~~available~~ ~~for~~less ~~investment~~than ata ~~that time~~Surrender. InAny ~~the~~withdrawal absence of instructions, your Policy Value in the expiring Allocation Account will be automatically reinvested in the same Allocation Account for another Crediting Period. If the expiring Allocation Account is no longer available for investment, your Policy Value in the expiring Allocation Account will be transferred to the Default Option. Currently, the Default Option is the Fixed Account Option, with the annual interest rate that weyou ~~have declared~~request ~~for~~includes: ~~new Crediting Periods. See SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT.~~

~~Please~~one-time ~~note~~withdrawals, ~~that~~automatic ifwithdrawals ~~you~~under ~~invest~~the insystematic ~~an Allocation~~payout ~~Account~~option, ~~for~~withdrawals ~~which~~taken ~~you~~to satisfy ~~already~~minimum ~~have~~required andistributions ~~ongoing~~under ~~Crediting~~the ~~Period,~~Internal ~~you~~Revenue ~~will~~Code, ~~have~~withdrawals ~~multiple~~of ~~ongoing~~the ~~Crediting~~surrender ~~Periods~~charge-free ~~for~~amount ~~the~~(a ~~same~~surrender ~~Allocation~~charge-free ~~Account.~~withdrawal), ~~Under~~withdrawals ~~such~~under ~~circumstances,~~the ~~each~~Nursing ~~ongoing~~Care ~~Crediting~~and ~~Period~~Terminal ~~for~~Condition ~~the~~Waiver, ~~same~~withdrawals ~~Allocation~~under ~~Account will~~the beUnemployment ~~treated~~Waiver, asand aadvisory ~~separate~~fee ~~investment under the Policy~~withdrawals.

7Written Notice – Written notice, signed by the Owner, that gives us the information we require and is received in good order at the Administrative Office. For some transactions, we may accept an electronic notice or telephone instructions. Such electronic notice must meet the requirements for good order that we establish for such notices.

•6 No Interim Transfers Between Investment Options. You may transfer Policy Value between Allocation Accounts only at certain times. You are permitted to transfer Policy Value from an Allocation Account in which you are currently invested only at the end of that Allocation Account’s Crediting Period as described above. Policy Value transferred into an Allocation Account cannot be applied to an ongoing Crediting Period. This means that when you transfer Policy Value between Allocation Accounts, the transfer will start a new Crediting Period for the Allocation Account receiving the transfer.

•Table Accessof to Your Money. You may Surrender your Policy or take withdrawals from your Policy at any time during the accumulation phase.Contents

•SUMMARY If you Surrender the Policy, you will receive your Policy’s cash value. Your cash value is equal to the Policy Value less any surrender charges, if applicable. If your cash value is lower than the Minimum Required Cash Value upon Surrender, you will receive the Minimum Required Cash Value. Your Policy will terminate upon Surrender.

•The IfTransamerica ~~you~~Structured ~~take~~Index aAdvantage® ~~withdrawal~~Annuity ~~from~~is ~~the~~an ~~Policy~~individual ~~that~~flexible ispremium ~~less~~deferred index-linked ~~than~~annuity apolicy. ~~Surrender,~~You can use the ~~amount~~Policy ~~withdrawn~~to ~~will~~accumulate befunds ~~deducted~~for ~~pro~~retirement or other long-~~rata~~term ~~from~~financial ~~your~~planning ~~Allocation~~purposes ~~Accounts~~on a tax-deferred basis, and ~~the~~you ~~Performance~~may ~~Lock~~choose ~~Account~~to ~~unless~~convert ~~you~~those ~~instruct~~accumulated funds usinto ~~otherwise.~~a ~~Withdrawals~~stream ~~will~~of ~~not~~guaranteed beincome ~~taken~~payments from ~~the~~us. ~~Fixed~~The ~~Holding~~amount ~~Account~~of ~~unless~~money ~~all~~that ~~other~~you ~~Accounts~~are ~~have~~able ~~been~~to ~~exhausted~~accumulate under your Policy will depend upon the performance of ~~value.~~the Ininvestment ~~general~~options you select, the ~~minimum~~fees ~~withdrawal~~and ~~amount~~charges isdeducted ~~$500.~~from ~~Withdrawals~~your ~~may~~Policy, and bethe ~~subject~~actions that you take with respect to ~~surrender~~your ~~charges~~Policy, such as whether and ~~may~~when ~~trigger~~you ~~the~~take ~~deduction~~withdrawals. ofThe ~~other~~Policy ~~fees~~also ~~and~~includes ~~charges~~a death benefit to help you financially protect your designated beneficiaries.

•The APolicy ~~Surrender~~is ~~and~~designed ~~withdrawals~~primarily ~~may~~for beinvestors ~~subject~~who expect to ~~federal~~remain ~~and~~invested ~~state~~in ~~income~~an ~~taxes~~Allocation Account until the end of its Crediting Period and may be appropriate for you if you have a ~~10%~~long ~~federal~~investment ~~tax~~time ~~penalty~~horizon. ifThis ~~made~~Policy ~~before~~is ~~age~~not 59designed ~~1⁄2~~for people who expect to take early or frequent withdrawals. See PRODUCT RISK FACTORS for information about the Policy’s investment risks.

•Transamerica IfLife anInsurance ~~amount~~Company is ~~deducted~~the ~~from~~issuer ~~an Index Account Option as a result~~ of athe ~~withdrawal~~Policy. orAn ~~Surrender~~investment ~~before~~in the ~~end~~Policy ofis ~~the~~subject ~~Crediting~~to ~~Period,~~ the ~~transaction~~risks ~~will~~related beto ~~processed based on an Interim Value for that Index Account Option~~us. Any Asobligations, ~~previously noted~~guarantees, ~~Interim~~and ~~Values~~benefits ~~could~~under bethe ~~unfavorable~~Policy toare ~~you.~~subject Ifto ~~you~~our ~~take~~financial astrength ~~withdrawal~~and orclaims-paying ~~Surrender~~ability. ~~while~~See ~~your~~COMPANY ~~Policy~~OVERVIEW ~~has~~and ~~multiple~~FINANCIAL ~~ongoing~~STATEMENTS ~~Crediting Periods~~ for ~~Index~~detailed information ~~Account~~about ~~Options~~the ~~that end at different times~~Company, anincluding ~~Interim~~financial ~~Value for some or all of your Index Account Options may apply depending on your instructions to us~~information.

•BUYING ~~When~~THE ~~any~~POLICY type of withdrawal is taken from an Index Account Option before the end of the Crediting Period (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal), there is a proportional reduction to your investment base (a “negative adjustment”). A negative adjustment could be greater than the amount withdrawn due to the proportional nature of the reduction. See TYPES OF ACCOUNTS – Index Account Options – Negative Adjustments to Index Base for an explanation of how the negative adjustment is calculated. A negative adjustment could significantly reduce your gains (if any) or contribute to losses at the end of the Crediting Period (because the Index rate of return will be applied to a smaller Index Base). A negative adjustment will also result in lower Interim Values for the remainder of the Crediting Period (because the interim rate of return will be applied to a smaller Index Base).

•If Ayou, ~~withdrawal~~any ~~taken~~joint ~~from~~Owner, anand ~~Index Account Option at~~ the ~~end~~designated ofAnnuitant ~~the~~are ~~Crediting~~younger ~~Period~~than isage ~~not~~86 ~~subject~~as toof athe ~~negative~~date ~~adjustment~~the orPolicy anapplication ~~Interim~~is ~~Value. However~~signed, ~~any~~you ~~such~~may ~~withdrawal~~buy isthe ~~subject to applicable surrender charges and taxes (including a 10% federal penalty tax if taken before age 591⁄2) as discussed above~~Policy. IfYou ~~you~~may obtain ~~wish~~an application to ~~take~~purchase ~~a withdrawal at~~ the ~~end~~Policy ofthrough ~~the~~a ~~Crediting~~financial ~~Period,~~intermediary weappointed ~~must~~by ~~receive~~us ~~your~~as ~~withdrawal~~an ~~request~~insurance atagent ~~least~~who ~~one~~sells ~~Business Day before~~ the ~~end of the Crediting Period~~Policy.

•Submit Ifyour completed, ~~you~~signed, ~~are~~and ~~receiving~~dated ~~investment~~application ~~advice~~and ~~from~~your ainitial ~~financial~~premium ~~professional~~payment ~~who charges you investment advisory fees for their services, you may be able~~ to ~~pay~~us ~~investment~~through ~~advisory~~your ~~fees~~financial ~~directly~~intermediary. ~~from~~The ~~this~~minimum ~~Policy~~initial ~~via~~premium ~~advisory~~payment ~~fee~~is ~~withdrawals~~$25,000. ~~Investment~~See ~~advisory~~THE ~~fees~~ANNUITY, ~~are~~PURCHASE, inPREMIUM ~~addition~~PAYMENTS to– ~~and~~INITIAL ~~separate~~PREMIUM ~~from~~PAYMENT, ~~the Policy’s fees~~ and ~~charges.~~SELECTING ~~Advisory~~ALLOCATION ~~fee~~ACCOUNTS ~~withdrawals~~FOR ~~will~~INVESTMENT ~~reduce~~for ~~your~~additional ~~Policy~~information ~~Value~~about ~~and~~buying ~~will be subject to~~ the ~~same~~Policy. ~~risks and consequences of withdrawals, including applicable surrender~~

8We currently issue Policies that are treated as “qualified” or “non-qualified” under the Internal Revenue Code. Earnings accumulate under the Policy on a tax-deferred basis and will be taxed as ordinary income only when withdrawn or otherwise paid out. If you purchase the Policy through an individual retirement account (IRA) or through a tax-qualified plan, you do not get any additional tax benefit under the Policy. See TAX INFORMATION.

~~charges,~~You ~~Interim~~may ~~Value~~cancel ~~adjustments,~~your ~~negative~~Policy ~~adjustments,~~after ~~and~~you ~~taxes~~purchase ~~(including~~it, abut ~~10%~~only ~~federal penalty tax~~ if ~~taken~~you ~~before~~cancel ~~age~~it ~~591⁄2)~~within ~~and proportionate reductions to~~ the ~~death~~prescribed ~~benefit~~period. ~~For~~See ~~tax-qualified~~PURCHASE ~~Policies~~– ~~issued~~Right ~~as an IRA or in connection with certain tax-qualified retirement plans, there is no maximum limit on advisory fee withdrawals. For non-qualified Policies, advisory fee withdrawals are subject~~ to aCancel ~~maximum limit of 1~~Period.5% ofState ~~the~~variations ~~Policy’s~~may ~~cash~~apply ~~value (determined without regard~~ to ~~any~~your ~~surrender charges) each~~ Policy ~~Year~~. WeSee ~~will~~OTHER ~~not~~INFORMATION ~~report~~– ~~advisory~~State ~~fee~~Variations ~~withdrawals~~for asstate ~~taxable~~by ~~distributions to the IRS; therefore, they may not be subject to federal income tax. However, we cannot guarantee that federal and/or~~ state ~~taxing authorities will not subject advisory fee withdrawals to income taxes or tax penalties~~differences. ~~You should consult with a tax professional.~~

~~You~~PHASES ~~should~~OF ~~carefully~~THE ~~consider~~POLICY the risks and consequences associated with a Surrender or withdrawal under the Policy. Surrender charges and taxes that may apply to a Surrender or withdrawal may be significant. In addition, because of the application of an Interim Value and negative adjustment, a Surrender or withdrawal prior to the end of a Crediting Period for an Index Account Option may significantly reduce the value of your investment and result in losses. The loss may be more than the downside protection applicable to the Index Account Options from which the Surrender or withdrawal is made.

~~Automatic withdrawals under the systematic payout option~~The Policy, ~~minimum~~like ~~required~~all ~~distributions,~~deferred ~~and~~annuity ~~regular advisory fee withdrawals will repeatedly expose you to the risks and consequences of withdrawals~~policies, ~~including~~has ~~applicable~~two ~~surrender~~phases: ~~charges,~~(1) an ~~Interim~~“accumulation ~~Value~~phase” ~~adjustments,~~for ~~negative~~retirement ~~adjustments,~~savings and (2) an “income ~~taxes~~phase” ~~and~~for ~~tax~~a ~~penalties~~stream ~~and~~of ~~proportionate reductions to the death benefit~~income.

~~See~~The ~~ACCESS~~Accumulation TOPhase ~~YOUR MONEY later in this prospectus for additional information about Surrendering the Policy and taking withdrawals.~~

~~• Additional Premium Payments.~~ You ~~may~~should ~~make~~consider ~~additional~~the ~~premium~~following important ~~payments~~features ~~during~~of the accumulation phase,: subject to certain restrictions. An additional premium payment may be invested in one or more of the Allocation Accounts that are available for investment at that time. See PREMIUM PAYMENTS for additional information.

• ~~Performance~~Index-Linked ~~Lock.~~and OnFixed ~~any~~Interest ~~Business~~Investment ~~Day~~Options. ~~between~~To ~~the~~help ~~first~~you ~~and~~accumulate ~~last~~assets ~~day~~during of the ~~Crediting~~accumulation ~~Period for an Index Account Option~~phase, you ~~may~~can ~~exercise~~invest ~~the~~your ~~Performance~~premium ~~Lock~~payments ~~feature.~~in If(and ~~you~~at ~~exercise~~certain ~~Performance~~times ~~Lock,~~transfer ~~your~~Policy ~~Interim~~ Value ~~for~~among) ~~that~~the ~~Index~~Policy’s ~~Account~~available ~~Option~~investment ~~(less~~options. ~~any~~The ~~Remaining~~available ~~Credit~~investment ~~Advantage~~options ~~Fees~~currently ~~and~~include ~~any~~certain ~~other~~index-linked ~~applicable~~investment ~~charges)~~options on(“Index ~~the~~Account ~~Performance Lock Date is “locked-in~~Options”) and ~~transferred~~a tofixed ~~the~~interest ~~Performance~~option ~~Lock~~(“Fixed Account, ~~where~~Option”) it(together ~~will remain until the next~~ “Allocation ~~Anniversary unless earlier withdrawn or annuitized~~Accounts”). The ~~amount~~performance ~~held~~of inyour ~~the~~Policy ~~Performance Lock Account~~ will bevary ~~credited~~depending ~~compound interest daily based~~ on the ~~annual~~performance ~~interest~~of ~~rate~~the inAllocation ~~effect~~Accounts on that ~~day,~~you ~~and~~choose. ~~will~~Each beAllocation ~~reduced on a dollar for dollar basis for any fees, charges, or withdrawals deducted from the Performance Lock~~ Account. ~~See~~has ~~TYPES~~its OFown ~~ACCOUNTS~~unique ~~– INDEX ACCOUNT OPTIONS – Performance Lock for additional information about this feature~~risks.

•7 ~~Death Benefit –~~

•Table Standardof Death Benefit. The Policy includes a standard death benefit for no additional charge. The standard death benefit amount differs depending on whether the Annuitant and Owner under the Policy are the same person.Contents

• If ~~the~~you ~~Annuitant~~invest ~~and~~in ~~the~~an ~~Owner~~Index ~~are~~Account ~~the same person~~Option, ~~then upon~~ the ~~death~~Index ofAccount ~~such~~Option’s ~~person~~downside ~~during~~protection ~~the~~may ~~accumulation~~not fully ~~phase,~~protect ~~the~~you ~~standard~~from ~~death benefit will equal the Policy Value (i~~loss.~~e.,~~ ~~the~~Your ~~total~~losses ~~value~~could ofbe ~~your investment in the Accounts, with no deduction for any surrender charges)~~significant.

•See IfAVAILABLE ~~the~~ALLOCATION ~~Annuitant~~ACCOUNTS ~~and~~for ~~the~~information about ~~Owner are not~~ the ~~same~~Allocation ~~person,~~Accounts ~~the~~that ~~amount~~are ~~payable~~currently ~~under~~available ~~the~~for ~~standard death benefit will depend on whether the deceased is the Annuitant or the Owner~~investment. ~~Upon~~See ~~the~~also ~~death~~SELECTING ofALLOCATION ~~the~~ACCOUNTS ~~Annuitant,~~FOR ~~the~~INVESTMENT ~~standard~~for ~~death~~important ~~benefit~~information ~~will~~about ~~equal~~how ~~the~~to ~~Policy~~obtain ~~Value.~~current ~~Upon~~upside ~~the~~rates ~~death~~for of the ~~Owner, the standard death benefit will equal the Policy’s cash value (i~~Allocation Accounts.~~e.,~~ ~~the Policy Value less any applicable surrender charges).~~

9• Crediting Periods. Each Allocation Account has an investment term, expressed in years, representing the duration of an investment in that Allocation Account (a “Crediting Period”).

• ~~Optional~~For ~~Death Benefit. The Policy offers~~ an ~~optional~~Index ~~death~~Account ~~benefit~~Option, ~~rider~~gain ~~(the~~or ~~GMDB~~loss ~~rider) for an additional charge. If the Annuitant~~ is ~~younger~~generally ~~than~~applied ~~age~~to 81your ~~as of the date that the~~ Policy ~~application is signed, you may elect the GMDB rider. The GMDB rider may only be elected~~ at the ~~time~~end ~~that~~of ~~you purchase~~ the ~~Policy~~Crediting ~~(under limited circumstances, the GMDB rider may be re-elected after termination)~~Period. ~~The~~See ~~GMDB~~VALUING ~~rider~~YOUR ~~provides~~INVESTMENT ~~for~~IN aAN ~~guaranteed~~INDEX ~~minimum~~ACCOUNT ~~death~~OPTION ~~benefit~~– ~~equal~~INDEX toACCOUNT ~~total~~OPTION premium payments reduced proportionately for withdrawals (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal)VALUE. ~~The guaranteed minimum death benefit under the GMDB rider is payable only upon the death of the Annuitant during the accumulation phase. This means:~~

• IfAlso for an Index Account Option, gain or loss will be applied when any of the ~~Annuitant~~following ~~and~~transactions are performed before the ~~Owner~~end ~~under~~of the ~~Policy~~Crediting ~~are~~Period: (i) Surrender of the ~~same~~Policy; ~~person~~(ii) any type of withdrawal from that Index Account Option (including an automatic withdrawal, ~~then~~advisory ~~upon~~fee ~~the~~withdrawal, ~~death~~minimum required distribution, surrender charge-free withdrawal, or any other withdrawal); (iii) exercise of ~~such~~Performance ~~person~~Lock; ~~during~~(iv) annuitization of the ~~accumulation~~Policy; ~~phase,~~(v) payment of the death benefit; ~~will~~or be(vi) ~~the~~deduction ~~greater~~ of a fee or charge from that Index Account Option (including the ~~guaranteed~~service ~~minimum~~charge, ~~death~~a ~~benefit~~GMDB rider fee, or a Credit Advantage Fee, except Accrued Credit Advantage Fees). Such interim gain and ~~the~~loss ~~Policy~~calculations ~~Value~~are based on Interim Values.

•Interim IfValues ~~the~~fluctuate ~~Annuitant and Owner are not the same person~~daily, ~~then~~positively ~~upon~~or ~~the~~negatively. ~~death~~Depending ofon ~~the~~market ~~Annuitant during the accumulation phase~~conditions, ~~the~~Interim ~~death~~Values ~~benefit~~could ~~will~~be ~~equal~~unfavorable ~~the~~to ~~greater~~you ofbecause ~~the~~they ~~guaranteed~~could reflect ~~minimum~~significantly ~~death~~less ~~benefit~~gain ~~and~~or ~~the~~more ~~Policy~~loss ~~Value.~~than Ifwould ~~the~~be ~~Owner~~applied ~~pre-deceases~~at the ~~Annuitant~~end ~~during~~of ~~the~~a ~~accumulation~~Crediting ~~phase, the standard death benefit will apply (i~~Period.~~e.,~~ ~~cash~~There ~~value).~~could ~~The~~be ~~guaranteed~~significantly ~~minimum~~less ~~death~~money ~~benefit~~available ~~would~~to ~~not~~you befor ~~payable~~any ~~because~~transaction itthat is ~~not~~processed ~~payable~~based ~~upon~~on ~~the~~an ~~death~~Interim ofValue, anwhich ~~Owner~~could ~~who~~significantly reduce isthe ~~not~~values ~~also~~received under the ~~Annuitant~~Policy.

IfSee ~~the~~VALUING ~~Annuitant~~YOUR ~~and~~INVESTMENT ~~Owner~~IN ~~under~~AN ~~your~~INDEX ~~Policy~~ACCOUNT ~~will~~OPTION ~~not~~– beINTERIM ~~the~~VALUES ~~same person,~~ and ~~death~~APPENDIX ~~benefit~~A: ~~coverage~~INTERIM onVALUE ~~the~~CALCULATIONS ~~Owner’s~~AND life is more important to you than death benefit coverage on the Annuitant’s life, the GMDB rider is not appropriate for you because the guaranteed minimum death benefit will not be payable upon the death of an Owner who is not also the AnnuitantEXAMPLES.

We• ~~will~~For ~~add~~the Fixed Account Option, interest is credited to your Policy each day until the ~~death~~end ~~benefit~~of ~~any~~the ~~additional~~Crediting ~~amounts~~Period. ~~necessary~~See toTYPES ~~comply~~OF ~~with~~ACCOUNTS ~~applicable~~– ~~state non-forfeiture~~FIXED ~~law.~~ACCOUNT OPTION.

~~See~~At ~~DEATH~~the ~~BENEFIT~~end of the Crediting Period for ~~additional~~an Allocation ~~information~~Account, ~~about~~you may choose to reinvest in the same Allocation Account for another Crediting Period if it is available for investment at that time. You may also choose to transfer Policy’s Value in that Allocation Account to any other ~~death~~Allocation ~~benefit~~Account that is available for investment at that time. ~~See~~In ~~also~~the ~~FEES~~absence ~~AND~~of ~~CHARGES~~instructions, –your ~~GUARANTEED~~Policy ~~MINIMUM~~Value ~~DEATH~~in ~~BENEFIT~~the ~~(GMDB)~~expiring ~~RIDER~~Allocation ~~FEE~~Account will be automatically reinvested in the same Allocation Account for ~~information~~another ~~about~~Crediting Period. If the ~~GMDB~~expiring ~~rider’s~~Allocation ~~additional~~Account ~~charge~~is no longer available for investment, your Policy Value in the expiring Allocation Account will be transferred to the Default Option. Currently, the Default Option is the Fixed Account Option, with the annual interest rate that we have declared for new Crediting Periods. See SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT.

~~The~~Please ~~Income~~note ~~Phase~~that if you invest in an Allocation Account for which you already have an ongoing Crediting Period, you will have multiple ongoing Crediting Periods for the same Allocation Account. Under such circumstances, each ongoing Crediting Period for the same Allocation Account will be treated as a separate investment under the Policy.

~~After~~• ~~your~~No ~~third~~Interim Transfers Between Investment Options. You may transfer Policy ~~Anniversary~~Value ~~(or earlier~~between ifAllocation ~~required~~Accounts byonly ~~state~~at ~~law),~~certain ~~you~~times. ~~may~~You ~~elect~~are permitted to ~~annuitize~~transfer ~~your~~ Policy, ~~converting~~Value ~~your~~from ~~accumulated~~an ~~assets~~Allocation ~~into~~Account ain ~~stream~~which ofyou ~~guaranteed~~are ~~income~~currently ~~payments~~invested ~~from~~only ~~us.~~at ~~This~~the isend ~~the~~of ~~Policy~~that Allocation Account’s ~~income~~Crediting ~~phase.~~Period ~~The~~as described above. Policy ~~includes~~Value ~~multiple~~transferred ~~fixed~~into ~~income options~~an ~~from~~Allocation ~~which~~Account ~~you~~cannot ~~can~~be ~~select~~applied to an ongoing Crediting Period. This means that when you transfer Policy Value between Allocation Accounts, the transfer will start a new Crediting Period for the Allocation Account receiving the transfer.

If8 you have not annuitized your Policy by the Policy Anniversary on or following the Annuitant’s 99th birthday (or earlier if required by state law), your Policy will automatically enter the income phase. If you have not elected a fixed income option at that time, the fixed income option “Life with 10 Years Certain” will be selected for you unless we agree to another method of payment.

WhenTable your Policy enters the income phase, the accumulation phase ends. You cannot invest in any Allocation Accounts during the income phase, and you cannot withdraw money from your Policy during the income phase. The death benefit from the accumulation phase terminates at the beginning of the income phase (including the optional GMDB rider, if elected), although certain fixed income options may provide for an amount payable upon death. Contents

~~If your~~• ~~Policy~~Access ~~is annuitized on a date other than the end of the Crediting Period for an Index Account Option, the amount~~ to beYour ~~annuitized~~Money. ~~will~~You bemay ~~based~~Surrender ~~on an Interim Value. If~~ your Policy isor ~~annuitized~~take ~~when~~withdrawals ~~you~~from ~~have~~your ~~multiple~~Policy ~~ongoing Crediting Periods for Index Account Options that end~~ at ~~different~~any ~~times,~~time ~~the~~during amount annuitized will be based on an Interim Value for some or all of your Index Account Options. As such, for as long as you have multiple ongoing Crediting Periods for Index Account Options, there may be no date that you can select for annuitizing that will not result in the ~~application~~accumulation ~~of at least one Interim Value~~phase.

10• If you Surrender the Policy, you will receive your Policy’s cash value. Your cash value is equal to the Policy Value less any surrender charges, if applicable. If your cash value is lower than the Minimum Required Cash Value upon Surrender, you will receive the Minimum Required Cash Value. Your Policy will terminate upon Surrender.

~~See~~• ~~ANNUITY~~If ~~PAYMENT~~you ~~(INCOME~~take ~~PHASE)~~a ~~for~~withdrawal ~~additional~~from ~~information~~the ~~about~~Policy ~~the~~that ~~income~~is ~~phase.~~less ~~See OTHER~~than ~~INFORMATION~~a –Surrender, ~~State~~the ~~Variations~~amount ~~for~~withdrawn awill ~~description~~be ofdeducted ~~material~~pro-rata ~~state~~from ~~variations~~your ~~related~~Allocation toAccounts and the ~~Policy’s~~Performance ~~income~~Lock ~~phase,~~Account asunless ~~well~~you asinstruct us otherwise. Withdrawals will not be taken from the Fixed Holding Account unless all other ~~state~~Accounts byhave ~~state~~been ~~differences~~exhausted ~~under~~of value. In general, the ~~Policy~~minimum withdrawal amount is $500. ~~Surrender~~Withdrawals may be subject to surrender charges doand ~~not~~may ~~apply~~trigger ~~upon~~the ~~annuitization.~~deduction of other fees and charges.

~~FEES~~• ~~AND~~A ~~CHARGES~~Surrender and withdrawals may be subject to federal and state income taxes and a 10% federal tax penalty if made before age 591/2.

~~Charges~~• ~~for Early Withdrawals (Surrender Charges).~~ If ~~you~~an ~~take~~amount ais ~~withdrawal~~deducted from ~~your~~an ~~Policy,~~Index orAccount ~~Surrender~~Option ~~your~~as ~~Policy,~~a ~~during~~result ~~the~~of ~~first~~a 6withdrawal ~~years~~or ~~after~~Surrender ~~you~~before ~~purchase~~ the ~~Policy~~end orof ~~make~~the anCrediting ~~additional premium payment~~Period, ~~you~~the transaction will be ~~assessed~~processed abased ~~surrender~~on ~~charge~~an ~~of up~~Interim toValue 8%for ~~(as a percentage of premium payments withdrawn), declining to 0% over~~ that ~~time~~Index ~~period~~Account Option. ~~For~~As ~~example,~~previously ~~if you were to withdraw $100~~noted,~~000~~ ~~during~~Interim ~~the~~Values ~~surrender charge period, you~~ could be ~~assessed~~unfavorable ~~a charge of up~~ to ~~$8,000 on the amount withdrawn~~you. ~~Surrender~~If ~~charges~~you dotake ~~not~~a ~~apply~~withdrawal toor ~~certain~~Surrender ~~amounts~~while ~~withdrawn~~your ~~during~~Policy ~~the~~has ~~surrender~~multiple ~~charge~~ongoing ~~period,~~Crediting ~~regardless~~Periods offor ~~whether~~Index ~~such~~Account ~~amounts~~Options ~~are~~that ~~withdrawn~~end asat ~~part~~different oftimes, aan ~~withdrawal~~Interim orValue ~~Surrender. See FEES AND CHARGES – Surrender Charges~~ for ~~more~~some ~~information.~~or ~~See~~all ~~also~~of ~~ACCESS~~your TOIndex ~~YOUR~~Account ~~MONEY~~Options –may ~~SURRENDER~~apply ~~CHARGE~~depending ~~WAIVERS~~on ~~for~~your ~~information~~instructions ~~about~~to ~~surrender charge waivers~~us.

~~Maximum Potential~~• ~~Loss~~When ~~Due~~any totype ~~Interim~~of ~~Value.~~withdrawal ~~Before~~is taken from an Index Account Option before the end of athe Crediting Period ~~for~~(including an ~~Index~~automatic ~~Account~~withdrawal, ~~Option~~advisory fee withdrawal, ifminimum ~~you~~required ~~take~~distribution, asurrender ~~Surrender~~charge-free withdrawal, or any other withdrawal), orthere ifis ~~you~~a ~~exercise~~proportional ~~the~~reduction ~~Performance~~to ~~Lock~~your ~~feature,~~investment orbase if(a ~~you~~“negative ~~annuitize~~adjustment”). ~~the~~A ~~Policy,~~negative oradjustment ifcould be greater than the ~~Policy’s~~ ~~death~~amount ~~benefit~~withdrawn isdue ~~paid,~~to orthe ifproportional anature ~~fee~~of orthe ~~charge~~reduction. isSee ~~deducted~~TYPES ~~from~~OF ~~that~~ACCOUNTS – Index Account ~~Option,~~Options ~~the~~– ~~transaction~~Negative ~~will~~Adjustments beto ~~based~~Index onBase ~~the~~for ~~Interim~~an ~~Value~~explanation of ~~your~~how ~~investment~~the innegative ~~that~~adjustment ~~Index~~is ~~Account Option~~calculated. ~~The~~A ~~application~~negative ofadjustment ancould ~~Interim~~significantly ~~Value~~reduce toyour ~~such transactions~~gains ~~could~~(if ~~result~~any) inor acontribute ~~loss~~to ~~beyond~~losses at the ~~downside~~end ~~protection~~of ~~for~~the Crediting Period (because the Index ~~Account~~rate ~~Option.~~of Inreturn ~~extreme~~will ~~circumstances,~~be ~~for~~applied ~~any~~to a smaller Index ~~Account~~Base). ~~Option,~~A negative adjustment will also result in lower Interim Values for the ~~total~~remainder ~~loss~~of ~~could~~the beCrediting ~~100%~~Period (~~i.e.,~~because athe ~~complete~~interim ~~loss~~rate of ~~your~~return ~~principal~~will ~~and~~be ~~any~~applied ~~prior earnings~~to a smaller Index Base).

~~Ongoing~~• ~~Fees~~A ~~and~~withdrawal ~~Charges.~~taken ~~Listed~~from ~~below~~an ~~are~~Index ~~the~~Account ~~fees~~Option ~~and~~at ~~charges~~the ~~you~~end ~~may~~of ~~pay~~the ~~each~~Crediting ~~year~~Period ~~under~~is ~~the~~not ~~Policy.~~subject ~~Please refer~~ to ~~your Policy’s~~a ~~specifications~~negative ~~page~~adjustment ~~for~~or ~~information~~an ~~about~~Interim ~~the~~Value. ~~specific~~However, ~~fees~~any ~~and~~such ~~charges~~withdrawal ~~that~~is ~~apply~~subject to ~~you.~~applicable ~~These~~surrender ~~fees~~charges and ~~charges~~taxes ~~are~~(including ina ~~addition~~10% tofederal ~~and~~penalty ~~separate~~tax ~~from~~if ~~any~~taken ~~investment~~before ~~advisory~~age ~~fees~~591/2) ~~you~~as ~~may~~discussed beabove. ~~charged~~If byyou wish to take a ~~financial~~withdrawal ~~professional~~at ~~to provide~~the ~~you~~end ~~with~~of ~~investment~~the ~~advice.~~Crediting IfPeriod, ~~such~~we ~~investment~~must ~~advisory~~receive ~~fees~~your ~~were~~withdrawal ~~included~~request ~~below,~~at ~~your~~least ~~overall~~one ~~fees~~Business ~~and~~Day ~~charges~~before ~~would~~the beend ~~higher.~~of the Crediting Period.

• ~~Service~~If ~~Charge.~~you Weare ~~will~~receiving ~~deduct~~investment advice from a ~~service~~financial ~~charge~~professional who charges you investment advisory fees for their services, you may be able to pay investment advisory fees directly from ~~your~~this Policy onvia ~~each~~advisory ~~Policy~~fee ~~Anniversary~~withdrawals. ~~prior~~Investment toadvisory ~~the~~fees ~~Annuity~~are ~~Commencement~~in ~~Date~~addition to and ~~when~~separate ~~you~~from ~~Surrender~~ the Policy’s fees and charges. ~~Each~~Advisory ~~time~~fee wewithdrawals ~~deduct~~will ~~this~~reduce ~~charge,~~your itPolicy Value and will ~~not~~be ~~exceed~~subject 2%to ~~(as~~the asame ~~percentage~~risks and consequences of ~~your~~withdrawals, ~~Policy~~including applicable surrender charges, Interim Value adjustments, negative adjustments, and taxes (including a 10% federal penalty tax if taken before age 591/2) and proportionate reductions to the ~~deduction~~death ofbenefit. ~~any~~For ~~fees~~tax-qualified orPolicies ~~charges~~issued onas ~~that~~an ~~date)~~IRA or ain ~~maximum~~connection ofwith ~~$50~~certain tax-qualified retirement plans, ~~whichever~~there is ~~less~~no maximum limit on advisory fee withdrawals. For non-qualified Policies, ~~and~~advisory wefee ~~will~~withdrawals ~~waive~~are subject to a maximum limit of 1.5% of the ~~charge~~Policy’s ifcash ~~your~~value (determined without regard to any surrender charges) each Policy ~~Value~~Year. We will not report advisory fee withdrawals as taxable distributions to the IRS; therefore, orthey ifmay ~~your~~not ~~total~~be ~~premium~~subject ~~payments~~to ~~minus~~federal ~~prior~~income ~~withdrawals~~tax. However, onwe cannot guarantee that ~~date~~federal isand/or atstate ~~least~~taxing ~~equal~~authorities will not subject advisory fee withdrawals to ~~the~~income ~~minimum~~taxes ~~amount~~or ~~specified~~tax inpenalties. ~~your~~You ~~Policy~~should consult with a tax professional.

•9 Optional Death Benefit Fee. If you elect the optional Guaranteed Minimum Death Benefit (GMDB) rider at the time you purchase the Policy, you will be subject to an additional fee of up to 0.50% (as an annualized percentage of the GMDB Benefit Base) depending on the Annuitant’s age on the date that you sign the application for the Policy. See FEES AND CHARGES – GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER FEE and DEATH BENEFIT – GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER

TransactionTable Charges.of Other than surrender charges, the following transaction charges may apply under the Policy: Contents

•You ~~Credit~~should ~~Advantage~~carefully ~~Fee.~~consider Ifthe ~~you~~risks ~~invest~~and inconsequences anassociated ~~Index~~with ~~Account~~a ~~Option~~Surrender ~~with~~or awithdrawal ~~Growth~~under the ~~Opportunity~~Policy. ~~Type~~Surrender ~~designated~~charges asand ~~“Credit~~taxes ~~Advantage,”~~that ~~you~~may ~~will~~apply ~~pay~~to ana ~~additional~~Surrender ~~fee~~or ~~for~~withdrawal may be significant. In addition, because of the ~~increased~~application ~~upside~~of ~~potential~~an ~~associated~~Interim ~~with~~Value ~~that~~and ~~Index~~negative ~~Account~~adjustment, ~~Option.~~a ~~The~~Surrender ~~annualized~~or ~~fee~~withdrawal ~~percentage~~prior isto the ~~percentage~~end of ~~your~~a ~~Policy~~Crediting Period ~~Value~~for ~~allocated~~an ~~to that~~ Index Account Option onmay ~~the~~significantly ~~first~~reduce ~~day~~the value of ~~the~~your ~~Crediting~~investment ~~Period~~and result in losses. ~~Each~~The ~~available~~loss ~~Index~~may ~~Account~~be ~~Option~~more ~~with~~than athe ~~Credit~~downside ~~Advantage~~protection ~~Growth~~applicable ~~Opportunity~~to ~~Type~~the ~~has~~Index anAccount ~~annualized~~Options ~~fee~~from ~~percentage~~which ofthe 1Surrender or withdrawal is made.~~25%.~~

11Automatic withdrawals under the systematic payout option, minimum required distributions, and regular advisory fee withdrawals will repeatedly expose you to the risks and consequences of withdrawals, including applicable surrender charges, Interim Value adjustments, negative adjustments, and income taxes and tax penalties and proportionate reductions to the death benefit.

•See ~~Special~~ACCESS ~~Service~~TO ~~Fees.~~YOUR WeMONEY ~~may~~later ~~deduct~~in athis ~~charge~~prospectus for ~~various~~additional ~~special~~information ~~services~~about ~~(e.g.,~~Surrendering ~~overnight~~the ~~delivery).~~Policy ~~The~~and ~~fees charged for any such service will vary, but will not exceed $50 per service~~taking withdrawals.

~~See~~• ~~FEES~~Additional ~~AND~~Premium ~~CHARGES~~Payments. ~~later~~You may make additional premium payments during the accumulation phase, subject to certain restrictions. An additional premium payment may be invested in ~~this~~ ~~prospectus~~one or more of the Allocation Accounts that are available for ~~additional~~investment ~~information,~~at ~~including~~that ~~examples~~time. See PREMIUM PAYMENTS for additional information.

• Performance Lock. On any Business Day between the first and last day of the Crediting Period for an Index Account Option, you may exercise the Performance Lock feature. If you exercise Performance Lock, your Interim Value for that Index Account Option (less any Remaining Credit Advantage Fees and any other applicable charges) on the Performance Lock Date is “locked-in” and transferred to the Performance Lock Account, where it will remain until the next Allocation Anniversary unless earlier withdrawn or annuitized. The amount held in the Performance Lock Account will be credited compound interest daily based on the annual interest rate in effect on that day, and will be reduced on a dollar for dollar basis for any fees, charges, or withdrawals deducted from the Performance Lock Account. See TYPES OF ACCOUNTS – INDEX ACCOUNT OPTIONS – Performance Lock for additional information about this feature.

~~Fixed~~• ~~Holding~~Death ~~Account~~Benefit – The Policy has either (a) a guaranteed minimum death benefit under the GMDB rider or (b) a Policy Value / cash value death benefit. If your Policy does not include the GMDB rider, the Policy Value / cash value death benefit will apply to your Policy. Once your Policy is issued, your death benefit cannot be changed.

~~Before~~• anGuaranteed ~~initial~~Minimum orDeath ~~additional premium~~Benefit ~~payment~~(GMDB isRider). ~~allocated~~The toGMDB ~~one~~rider ormay ~~more Allocation Accounts, it will~~ be ~~held~~added into ~~the~~your ~~Fixed~~Policy ~~Holding~~at ~~Account until~~ the ~~next~~time ~~upcoming 1st, 8th, 15th, or 22nd calendar day~~ of ~~any month~~purchase, ~~whichever~~provided ~~occurs~~that ~~first. On such day,~~ the ~~premium~~Annuitant ~~payment~~is ~~(plus any~~younger ~~accrued~~than ~~interest)~~age ~~will~~81 beas ~~allocated~~of to the ~~appropriate~~date ~~Allocation~~that ~~Account(s) and~~ the ~~Crediting~~Policy ~~Period(s)~~application ~~will~~is ~~begin on that day~~signed.

~~Amounts~~• ~~held~~For inPolicy ~~the Fixed~~applications ~~Holding~~signed ~~Account~~before ~~are~~May ~~credited~~1, ~~compound~~2024, ~~interest daily. We may change~~ the ~~current~~GMDB ~~annual~~rider ~~interest~~is ~~rate~~an ~~for~~optional ~~the~~benefit, ~~Fixed~~which ~~Holding~~if ~~Account at any time at our discretion~~elected, is subject to aan ~~guaranteed~~additional ~~minimum effective annual interest rate of 0~~charge.25%. The current annual interest rate for the Fixed Holding Account is available online https://www.transamerica.com/annuities/rila or upon request by contacting our Administrative Office or your financial intermediary.

~~See~~• ~~TYPES~~For OFPolicy ~~ACCOUNTS~~applications –signed ~~FIXED~~on ~~HOLDING~~or ~~ACCOUNT~~after ~~later~~May in1, ~~this~~2024, ~~prospectus~~the GMDB rider may be a standard or optional benefit depending on the Annuitant’s age as of the date that the Policy application is signed. If the Annuitant is younger than age 71, the GMDB rider is a standard benefit that is automatically added to your Policy for no additional ~~information~~charge. If the Annuitant is age 71 to 80, the GMDB rider is an optional benefit, which if elected, is subject to an additional charge.

~~Fixed~~The ~~Account~~GMDB ~~Option~~rider may only be added to your Policy at the time you purchase the Policy (under limited circumstances, the GMDB rider may be re-elected after termination of the rider, following the death of the Owner or Annuitant). The GMDB rider provides for a guaranteed minimum death benefit equal to total premium payments reduced proportionately for withdrawals (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal). The guaranteed minimum death benefit under the GMDB rider is payable only upon the death of the Annuitant during the accumulation phase. This means:

If10 you invest in the Fixed Account Option, we guarantee your principal and a fixed annual interest rate for a 1-year Crediting Period. We will credit compound interest daily throughout the Crediting Period based on the annual interest rate we declared for that Crediting Period. The current annual interest rate for the Fixed Account Option is available online at https://www.transamerica.com/annuities/rila or upon request by contacting our Administrative Office or your financial intermediary. See SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT for additional information about how to obtain the current annual interest rate for the Fixed Account Option.

WeTable may declare a new annual interest rate for new Crediting Periods. We determine the annual interest rates for new Crediting Periods at our discretion, subject to a guaranteed minimum effective annual interest rate of 0.25%. The annual interest rate declared for an ongoing Crediting Period will not change. However, the annual interest rate we declare for the Fixed Account Option may differ from Crediting Period to Crediting Period. Contents

~~See~~• ~~TYPES~~If OFthe ~~ACCOUNTS~~Annuitant –and ~~FIXED~~the ~~ACCOUNT~~Owner ~~OPTION~~under ~~later~~the inPolicy ~~this~~are ~~prospectus~~the ~~for~~same ~~additional~~person, ~~information.~~then upon the death of such person during the accumulation phase, the death benefit will be the greater of the guaranteed minimum death benefit and the Policy Value.

~~Index~~• ~~Account~~If ~~Options~~the Annuitant and Owner are not the same person, then upon the death of the Annuitant during the accumulation phase, the death benefit will equal the greater of the guaranteed minimum death benefit and the Policy Value (i.e., the total value of your investment in the Accounts, with no deduction for any surrender charges). If the Owner pre-deceases the Annuitant during the accumulation phase, the death benefit will be equal to the Policy’s cash value (i.e., the Policy Value less any applicable surrender charge). The guaranteed minimum death benefit would not be payable because it is not payable upon the death of an Owner who is not also the Annuitant.

~~Generally.~~If ~~When~~ you ~~invest~~are inpurchasing anthe ~~Index~~Policy ~~Account~~and ~~Option,~~considering ~~your~~whether ~~investment~~to ~~begins~~elect on the ~~first~~GMDB ~~day~~rider offor ~~the~~an ~~Crediting~~additional ~~Period~~charge, ~~and generally ends on~~ the ~~last~~rider ~~day~~will ofnot ~~the~~be ~~Crediting~~appropriate ~~Period.~~for ~~There~~you ~~are~~if ~~certain~~(i) the ~~events~~Annuitant ~~that~~and ~~could~~Owner ~~end~~under your ~~investment~~Policy ~~before~~will not be the ~~last~~same ~~day~~person ofand ~~the~~(ii) death ~~Crediting~~benefit ~~Period,~~coverage ~~such~~on asthe ifOwner’s ~~you~~life ~~take~~is amore ~~full~~important ~~withdrawal~~to ~~from~~you ~~that~~than ~~Index~~death ~~Account~~benefit ~~Option,~~coverage ~~Surrender~~on the ~~Policy~~Annuitant’s life, oras ~~annuitize~~ the ~~Policy,~~guaranteed orminimum ~~if the~~ death benefit ~~becomes~~will not be payable, orupon ifthe ~~you~~death ~~exercise~~of ~~Performance~~an ~~Lock,~~Owner ~~before~~who ~~the~~is ~~end~~not ofalso the ~~Crediting Period~~Annuitant.

At• ~~the end of the Crediting Period, we apply gain or loss to your~~ Policy ~~based~~Value on/ ~~how~~Cash ~~the~~Value ~~Index~~Death ~~Account Option performed~~Benefit. ~~The~~If ~~Index Account Option’s performance is linked to~~ the ~~performance~~GMDB ofrider ~~a specific market index or exchange-traded fund (the “Index”). The Index’s performance~~ is ~~measured~~not ~~by calculating the net percentage change~~ in ~~the~~effect ~~value~~under ofyour ~~the~~Policy, ~~Index (~~the ~~“Index Change”)~~Policy ~~between~~includes ~~the~~a ~~first~~Policy ~~day~~Value ofor ~~the~~cash ~~Crediting~~value ~~Period~~death ~~(the~~benefit ~~“Initial~~for ~~Index~~no ~~Value”)~~additional ~~and~~charge. ~~the~~Under ~~last~~this ~~day~~death ofbenefit, the ~~Crediting~~amount ~~Period~~payable ~~(the~~differs ~~“Final~~depending ~~Index~~on ~~Value”).~~whether ~~For example, regardless of how~~ the ~~Index~~Annuitant ~~otherwise~~and ~~performed~~Owner ~~between~~under the ~~beginning~~ ~~and~~Policy ~~end~~are of the ~~Crediting~~same ~~Period:~~ person.

• If the ~~Initial~~Annuitant ~~Index~~and ~~Value~~the isOwner ~~1000~~are ~~and~~the same person, then upon the ~~Final~~death ~~Index~~of ~~Value~~such isperson ~~1100~~during the accumulation phase, the ~~Index~~death ~~Change~~benefit ~~would~~will beequal ~~+10%~~the Policy Value (i.e., ~~(1100/1000)~~the –total 1value =of ~~10%~~your investment in the Accounts, with no deduction for any surrender charges).

12• If the Annuitant and the Owner are not the same person, the amount payable will depend on whether the deceased is the Annuitant or the Owner. Upon the death of the Annuitant, the benefit will equal the Policy Value. Upon the death of the Owner, the death benefit will equal the Policy’s cash value (i.e., the Policy Value less any applicable surrender charges).

•We ~~Likewise,~~will ifadd ~~the~~to ~~Initial Index Value is 1000 and~~ the ~~Final~~death ~~Index~~benefit ~~Value~~any isadditional ~~900,~~amounts ~~the~~necessary ~~Index~~to ~~Change~~comply ~~would~~with beapplicable state non-~~10%~~forfeiture (ilaw.~~e.,~~ ~~(900/1000) – 1 = -10%).~~

~~The amount~~See ofDEATH ~~gain~~BENEFIT orfor ~~loss~~additional ~~applied~~information toabout ~~your investment at~~ the Policy’s ~~end~~death ofbenefit. ~~the~~See ~~Crediting~~also ~~Period~~FEES ~~will~~AND ~~depend~~CHARGES on– ~~the~~GUARANTEED ~~Index~~MINIMUM ~~Change~~DEATH ~~and~~BENEFIT ~~the~~(GMDB) ~~Index~~RIDER ~~Account~~FEE ~~Option’s~~for ~~upside~~information ~~and~~about ~~downside~~GMDB ~~features~~rider fees, asif ~~described below~~any.

~~Positive Index Change. When the Index Change at the end of the Crediting Period is positive, your Policy gains value.~~ The ~~extent~~Income toPhase ~~which you participate in the positive Index performance depends on the Index Account Option’s “Growth Opportunity Type.”~~

•After ~~Cap~~your –third IfPolicy ~~you~~Anniversary ~~select~~(or earlier anif ~~Index~~required ~~Account~~by ~~Option~~state ~~with Cap~~law), you ~~will~~may ~~participate~~elect ~~in positive Index performance up~~ to ~~the~~annuitize ~~Cap~~your ~~Rate~~Policy, ~~but~~converting noyour ~~positive~~accumulated ~~Index~~assets ~~performance~~into ~~beyond the Cap Rate. For instance, if you select an Index Account Option with~~ a ~~Cap~~stream ~~Rate~~ of ~~10%,~~guaranteed ~~and~~income atpayments ~~the~~from ~~end~~us. ofThis ~~the~~is ~~Crediting Period~~ the ~~Index~~Policy’s ~~Change~~income ~~is 5%, your Index Credit Rate (i~~phase.~~e.,~~ ~~your~~The ~~Index~~Policy ~~rate~~includes ofmultiple ~~return)~~fixed ~~would~~income options befrom ~~+5%.~~which Ifyou ~~the~~can ~~Index Change were 15%, your Index Credit Rate would be limited to +10%~~select.

~~You~~If ~~will~~you have not ~~participate~~annuitized inyour ~~any~~Policy ~~Index~~by ~~performance beyond~~ the ~~Cap~~Policy ~~Rate.~~Anniversary ~~The~~on ~~Cap~~or ~~Rate~~following ~~limits~~ the ~~upside~~Annuitant’s ~~potential~~99th ~~of your investment. The Cap~~birthday is(or ~~measured~~earlier ~~over~~if ~~the~~required ~~life~~by ofstate ~~the Crediting Period~~law), ~~which~~your ~~can~~Policy bewill ~~more~~automatically ~~than~~enter ~~one~~the ~~year~~income phase. InIf ~~cases~~you ~~where~~have anot ~~Crediting~~elected ~~Period~~a isfixed ~~more~~income ~~than~~option ~~one~~at ~~year~~that time, the ~~Cap~~fixed ~~Rate~~income ~~for~~option ~~that~~“Life ~~Crediting~~with ~~Period~~10 ~~would~~Years Certain” will be ~~less~~selected iffor ~~measured~~you onunless we anagree ~~annual~~to ~~basis~~another method of payment.

~~For~~When ~~additional~~your ~~information~~Policy ~~and~~enters ~~examples~~the ~~for~~income ~~Cap~~phase, ~~see~~the ~~AVAILABLE~~accumulation ~~ALLOCATION~~phase ~~ACCOUNTS~~ends. –You ~~GROWTH~~cannot ~~OPPORTUNITY~~invest ~~TYPE:~~in ~~CALCULATING~~any ~~GAIN~~Allocation ~~USING~~Accounts ~~CAP~~during ~~later~~the inincome ~~this~~phase, ~~prospectus~~and you cannot withdraw money from your Policy during the income phase. The death benefit from the accumulation phase terminates at the beginning of the income phase (including the GMDB rider, if applicable), although certain fixed income options may provide for an amount payable upon death.

•11 Participation – If you select an Index Account Option with Participation, you will participate in a percentage of positive Index performance, and that percentage will be the Participation Rate. For instance, if you select an Index Account Option with Participation and a Participation Rate of 80%, and at the end of the Crediting Period the Index Change is 10%, your Index Credit Rate would be +8%. Please note:

•Table Aof Participation Rate equal to 100% means that you will fully participate in positive Index performance.Contents

•If Ayour ~~Participation~~Policy ~~Rate~~is ~~less~~annuitized on a date other than ~~100%~~the ~~means~~end of the Crediting Period for an Index Account Option, the amount to be annuitized will be based on an Interim Value. If your Policy is annuitized when you have multiple ongoing Crediting Periods for Index Account Options that end at different times, the amount annuitized will be based on an Interim Value for some or all of your Index Account Options. As such, for as long as you have multiple ongoing Crediting Periods for Index Account Options, there may be no date that you can select for annuitizing that will not ~~fully~~result ~~participate~~ in ~~positive~~the application ~~Index~~of ~~performance~~at least one Interim Value.

•See WeANNUITY ~~may~~PAYMENTS ~~declare~~(INCOME ~~Participation~~PHASE) ~~Rates~~for ~~greater~~additional ~~than~~information ~~100%,~~about the ~~which~~income ~~would~~phase. ~~have~~See ~~the~~OTHER ~~effect~~INFORMATION – State Variations for a description of ~~increasing~~material ~~your~~state ~~gains~~variations ~~relative~~related to the ~~Index~~Policy’s ~~Change~~income phase, as well as other state by state differences under the Policy. Surrender charges do not apply upon annuitization.

IfFEES ~~the~~AND ~~Participation~~CHARGES ~~Rate is less than 100%, you will not fully participate in positive Index performance, limiting the upside potential of your investment.~~

~~Currently~~Charges for Early Withdrawals (Surrender Charges). If you take a withdrawal from your Policy, ~~all~~or ~~Index~~Surrender ~~Account~~your ~~Options~~Policy, ~~with~~during ~~Participation~~the ~~are~~first 6 years after ~~designated~~you aspurchase ~~“Credit~~the ~~Advantage,”~~Policy ~~which~~or ~~means~~make an additional ~~charge~~premium payment, you will ~~apply~~be ~~for~~assessed ~~any~~a ~~Index~~surrender ~~Account~~charge ~~Option~~of ~~with~~up ~~Participation~~to 8% (as a percentage of premium payments withdrawn), declining to 0% over that time period. For example, if you ~~select~~were to withdraw $100,000 during the surrender charge period, you could be assessed a charge of up to $8,000 on the amount withdrawn. Surrender charges do not apply to certain amounts withdrawn during the surrender charge period, regardless of whether such amounts are withdrawn as part of a withdrawal or Surrender. See FEES AND CHARGES – Surrender Charges for more information. See also ACCESS TO YOUR MONEY – SURRENDER CHARGE WAIVERS for information about surrender charge waivers.

~~For~~Maximum ~~additional~~Potential ~~information~~Loss ~~and~~Due ~~examples~~to Interim Value. Before the end of a Crediting Period for ~~Participation~~an Index Account Option, ~~see~~if ~~AVAILABLE~~you ~~ALLOCATION~~take ~~ACCOUNTS~~a –Surrender ~~GROWTH~~or ~~OPPORTUNITY~~withdrawal, ~~TYPE:~~or ~~CALCULATING~~if you exercise the Performance Lock feature, or if you annuitize the Policy, or if the Policy’s death benefit is paid, or if a fee or charge is deducted from that Index Account Option, ~~GAIN~~the ~~USINGPARTICIPATION~~transaction ~~later~~will be based on the Interim Value of your investment in ~~this~~that ~~prospectus~~Index Account Option. The application of an Interim Value to such transactions could result in a loss beyond the downside protection for the Index Account Option. In extreme circumstances, for any Index Account Option, the total loss could be 100% (i.e., a complete loss of your principal and any prior earnings).

~~Zero~~Ongoing ~~Index~~Fees ~~Change~~and Charges. ~~When~~Listed below are the ~~Index~~fees ~~Change~~and atcharges ~~the~~you ~~end~~may ofpay each year under the ~~Crediting~~Policy. ~~Period~~Please isrefer ~~zero,~~to your Policy’s ~~will~~specifications ~~not~~page ~~gain~~for orinformation ~~lose~~about ~~value~~the asspecific fees and charges that apply to you. These fees and charges are in addition to and separate from any investment advisory fees you may be charged by a ~~result~~financial ofprofessional ~~the~~to ~~Index~~provide ~~performance~~you with investment advice. If such investment advisory fees were included below, your overall fees and charges would be higher.

~~Negative~~• ~~Index~~Service ~~Change~~Charge. ~~(Applying~~We ~~the~~will ~~Buffer).~~deduct ~~When~~a ~~the~~service ~~Index~~charge ~~Change~~from atyour ~~the~~Policy ~~end~~on ~~of the~~each ~~Crediting~~Policy ~~Period~~Anniversary isprior ~~negative,~~to ~~your~~the ~~Policy~~Annuity ~~will~~Commencement ~~lose~~Date ~~value~~and ~~only~~when toyou Surrender the ~~extent~~Policy. ~~that~~Each ~~the~~time ~~Index~~we ~~Account~~deduct ~~Option’s~~this ~~downside~~charge, ~~protection~~it ~~does~~will not ~~protect~~exceed ~~you~~2% ~~from~~(as ~~loss.~~a ~~The~~percentage ~~downside~~of ~~protection~~your ~~provided~~Policy byValue, anbefore ~~Index~~the ~~Account~~deduction ~~Option~~of ~~will~~any ~~depend~~ fees or charges on ~~its~~that ~~“Downside~~date) ~~Protection~~or ~~Type.”~~a Wemaximum ~~currently~~of ~~only~~$50, ~~offer~~whichever ~~Index~~is ~~Account~~less, ~~Options~~and ~~with~~we ~~Buffer~~will aswaive the ~~Downside~~charge ~~Protection~~if ~~Type.~~your ~~Due~~Policy toValue, ~~the~~or ~~operation~~if ofyour ~~the~~total ~~Buffer~~premium payments minus prior withdrawals, ~~your~~on ~~investment~~that ~~will~~date ~~incur~~is ~~loss~~at ~~for~~least ~~negative~~equal ~~Index~~to ~~performance~~ the minimum amount specified in your Policy.

13• GMDB Rider Fee. The Guaranteed Minimum Death Benefit (GMDB) rider may be subject to an additional fee of up to 0.50% (as an annualized percentage of the GMDB Benefit Base). See FEES AND CHARGES – GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER FEE and DEATH BENEFIT – GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER

~~beyond~~Transaction ~~the Buffer Rate~~Charges. ~~The~~Other ~~Buffer~~than ~~Rate~~surrender ~~represents~~charges ~~the~~and ~~percentage~~ongoing offees ~~your~~and ~~investment that is protected from loss. For instance~~charges, ~~assuming~~the ~~a Buffer Rate of 10%, it is possible that you could lose~~following ~~90%~~transaction ofcharges ~~your~~may ~~investment~~apply asunder ~~a result of negative Index performance. A Buffer absorbs~~ the ~~impact~~Policy: ~~of negative Index performance before the negative Index performance impacts your investment.~~

• Credit Advantage Fee. If ~~the~~you ~~negative~~invest in an Index ~~performance~~Account ~~does~~Option ~~not~~with goa ~~beyond~~Growth ~~the~~Opportunity ~~Buffer~~Type ~~Rate~~designated as “Credit Advantage,” you will ~~not~~pay ~~incur~~an ~~loss~~additional asfee afor ~~result~~the ofincreased ~~that~~upside ~~negative~~potential associated with that Index ~~performance~~Account Option. ~~For~~The ~~example,~~annualized ~~if you~~fee ~~select~~percentage anis ~~Index~~the ~~Account~~percentage ~~Option~~of ~~with~~your aPolicy ~~Buffer~~Value ~~and~~allocated ato ~~Buffer~~that ~~Rate~~Index ofAccount ~~10%,~~Option ~~and~~on at the ~~end~~first day of the Crediting Period. ~~the~~Each available Index ~~Change~~Account isOption ~~-5%,~~with ~~your~~a ~~Index~~ Credit ~~Rate~~Advantage ~~would~~Growth beOpportunity 0%Type ~~(i.e.,~~has noan ~~loss~~annualized ~~due~~fee ~~to negative~~percentage ~~Index~~of ~~performance)~~1. 25%.

If12 the negative Index performance goes beyond the Buffer Rate, your investment will incur loss. Your Index Credit Rate will be a percentage equal to the excess Index Change over the Buffer Rate. Under these circumstances, the Buffer would provide only partial protection from loss related to the negative Index performance. For example, if you select an Index Account Option with a Buffer and a Buffer Rate of 10%, and at the end of the Crediting Period the Index Change is -15%, your Index Credit Rate would be -5% and you would incur loss.

TheTable Buffer provides limited downside protection. You assume the risk of loss for negative Index performance in excess of the Buffer Rate. Your losses could be significant. The Buffer is measured over the life of the Crediting Period, which can be more than one year. In cases where a Crediting Period is more than one year, the Buffer for that Crediting Period is the total Buffer for the life of the Crediting Period. Contents

~~For~~• ~~additional~~Special ~~information~~Service ~~and~~Fees. ~~examples~~We ofmay ~~how~~deduct wea ~~calculate~~charge ~~your~~for ~~Index~~various ~~Credit~~special ~~Rate~~services ~~using Buffer~~(e.g., ~~see~~overnight ~~AVAILABLE ALLOCATION~~delivery). ~~ACCOUNTS~~The –fees ~~DOWNSIDE~~charged ~~PROTECTION~~for ~~TYPE:~~any ~~CALCULATING~~such ~~LOSS~~service ~~USING~~will ~~THE~~vary, ~~BUFFER.~~but will not exceed $50 per service.

~~Index~~See ~~Account~~FEES ~~Option~~AND ~~Value.~~CHARGES ~~The~~later ~~value of your investment~~ in anthis ~~Index~~prospectus ~~Account~~for ~~Option~~additional atinformation, ~~the~~including ~~end of a Crediting Period is your Index Account Option Value~~examples. ~~Your Index Account Option Value is calculated by applying the “Index Credit Rate” to your “Index Base.”~~

•TYPES ~~Index~~OF ~~Credit~~ACCOUNTS Rate / Index Credit. The Index Credit Rate represents the percentage gain or loss that we apply to your Index Account at the end of the Crediting Period (i.e., your Index rate of return). Your gain or loss can also be expressed as a dollar amount, which we then refer to as the “Index Credit.” The Index Credit Rate and the Index Credit may be positive, negative, or zero.

•Fixed ~~Index~~Holding ~~Base. Your Index Base generally represents your investment in the Index~~ Account ~~Option.~~

~~The~~Before ~~following is~~ an ~~example~~initial ofor ~~how~~additional premium wepayment ~~calculate~~is ~~your~~allocated ~~Index~~to ~~Account~~one ~~Option~~or ~~Value~~more atAllocation ~~the~~Accounts, ~~end~~it ofwill abe ~~Crediting~~held ~~Period: Assume you invest $10,000~~ in anthe ~~Index~~Fixed Holding Account ~~Option.~~until At the ~~beginning~~next ofupcoming ~~the~~1st, ~~Crediting Period~~8th, ~~your Index Base is $10~~15th,~~000.~~ Ator ~~the~~22nd ~~end~~calendar day of ~~the~~any ~~Crediting Period~~month, ~~your~~whichever ~~Index~~occurs ~~Base~~first. isOn ~~still~~such ~~$10~~day,~~000~~ ifthe ~~there~~premium ~~were~~payment no(plus any ~~deductions~~accrued ~~for~~interest) ~~fees~~will orbe ~~charges~~allocated orto ~~withdrawals before~~ the ~~end~~ ofappropriate ~~the~~Allocation ~~Crediting~~Account(s) ~~Period.~~and At the ~~end of the~~ Crediting Period,(s) we will ~~apply~~begin ~~the~~on ~~Index~~that ~~Credit Rate to your Index Base to calculate your Index Account Option Value~~day.

•Amounts ~~Assuming~~held anin ~~Index~~the Fixed ~~Credit~~Holding ~~Rate~~Account ofare ~~+10%,~~credited ~~your~~compound ~~Index~~interest daily. We may change the current annual interest rate for the Fixed Holding Account ~~Option~~at ~~Value~~any ~~would~~time ~~equal~~at ~~$11~~our discretion,~~000~~ (isubject to a guaranteed minimum effective annual interest rate of 0.e25%., ~~$10,000~~State variations xmay (1apply +to ~~10%)~~your =guaranteed ~~$11,000)~~minimum effective annual interest rate. See OTHER INFORMATION – State Variations. The ~~Index~~current ~~Credit~~annual interest rate for the Fixed Holding Account is ~~+$1,000~~available online https://www.transamerica.com/annuities/rila or upon request by contacting our Administrative Office or your financial intermediary.

•See ~~Assuming~~TYPES anOF ~~Index~~ACCOUNTS ~~Credit~~– ~~Rate~~FIXED ofHOLDING ~~-10%,~~ACCOUNT ~~your~~later ~~Index~~in ~~Account~~this ~~Option~~prospectus ~~Value~~for ~~would~~additional ~~equal $9,000 (i~~information.~~e.,~~ ~~$10,000 x (1 + -10%) = $9,000). The Index Credit is -$1,000.~~

~~Any~~Fixed ~~fees or charges deducted at the end of the Crediting Period will be deducted on a dollar for dollar basis from your Index~~ Account Option ~~Value after the~~ Index Credit is applied. Continuing the examples above, if a $50 service charge were deducted from that Index Account Option on the same day that the Index Credit was applied, the Index Account Option Value would be reduced after the Index Credit to $10,950 (i.e., $11,000—$50) or $8,950 (i.e., $9,000—$50), respectively. See FEES AND CHARGES.

~~See~~If ~~TYPES~~you OFinvest ~~ACCOUNTS –~~in ~~INDEX~~the ~~ACCOUNT~~Fixed ~~OPTIONS~~Account Option, we guarantee your principal and ~~VALUING~~a ~~YOUR~~fixed ~~INVESTMENT~~annual INinterest ANrate ~~INDEX~~for ~~ACCOUNT~~a 1-year ~~OPTION~~Crediting ~~later~~Period. inWe ~~this~~will ~~prospectus~~credit compound interest daily throughout the Crediting Period based on the annual interest rate we declared for ~~more~~that Crediting Period. The current annual interest rate for the Fixed Account Option is available online at https://www.transamerica.com/annuities/rila or upon request by contacting our Administrative Office or your financial intermediary. See SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT for additional information about how to obtain the current annual interest rate for the Fixed Account Option.

14We may declare a new annual interest rate for new Crediting Periods. We determine the annual interest rates for new Crediting Periods at our discretion, subject to a guaranteed minimum effective annual interest rate of 0.25%. State variations may apply to your guaranteed minimum effective annual interest rate. See OTHER INFORMATION – State Variations. The annual interest rate declared for an ongoing Crediting Period will not change. However, the annual interest rate we declare for the Fixed Account Option may differ from Crediting Period to Crediting Period.

~~Negative~~See ~~Adjustments~~TYPES toOF ~~Index~~ACCOUNTS ~~Base.~~– OnFIXED ~~the~~ACCOUNT ~~first~~OPTION ~~day~~later of the Crediting Period, your Index Base equals the dollar amount that you allocated to that Index Account Option. Your Index Base for that Index Account Option will not change unless a fee or charge is deducted from that Index Account Option, or if you take any type of withdrawal from that Index Account Option (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal), before the end of the Crediting Period, in ~~which~~this ~~case~~prospectus your Index Base will be subject to a negative adjustment at that time. The negative adjustment is a proportionate reduction to your Index Base. It is derived by reducing your Index Base by the same percentage as the percentage reduction to your Interim Value due to the amount of the withdrawal or the fee or charge deducted (which is deducted from the Interim Value on a dollar for ~~dollar~~additional ~~basis)~~information.

~~A negative adjustment to your~~ Index Base could result in less gain (if any) or more loss at the end of a Crediting Period, perhaps significantly less gain or more loss, because the Index Credit Rate will be applied to a lower Index Base. All withdrawals taken, and fees and charges deducted, from an Index Account ~~Option~~Options before the end of a Crediting Period will trigger a negative adjustment to your Index Base, even fees and charges that are periodically deducted from your Policy. A negative adjustment to your Index Base may be greater than the amount withdrawn or the fee or charge deducted. A negative adjustment will also result in lower Interim Values for the remainder of the Crediting Period (because the interim rate of return will be applied to a smaller Index Base). There is no way to increase your Index Base during a Crediting Period, and therefore no way to reverse or offset the negative impact of a negative adjustment to your Index Base.

~~See~~Generally. ~~VALUING~~When ~~YOUR~~you ~~INVESTMENT~~invest INin ANan ~~INDEX~~Index ~~ACCOUNT~~Account ~~OPTION~~Option, –your ~~NEGATIVE~~investment ~~ADJUSTMENTS~~begins TOon ~~INDEX~~the ~~BASE~~first ~~later~~day inof ~~this~~the ~~prospectus~~Crediting ~~for~~Period ~~additional~~and ~~information,~~generally ends on the last ~~including~~day ~~examples~~of the Crediting Period. ~~See~~There ~~also~~are ~~APPENDIX~~certain B:events ~~ADDITIONAL~~that ~~EXAMPLES~~could ~~FOR~~end ~~INDEX~~your ~~ACCOUNT~~investment ~~OPTIONS~~before ~~for~~the ~~additional~~last ~~examples~~day of ~~negative~~the ~~adjustments~~Crediting Period, such as if you take a full withdrawal from that Index Account Option, Surrender the Policy, or annuitize the Policy, or if the death benefit becomes payable, or if you exercise Performance Lock, before the end of the Crediting Period.

~~Interim Values.~~13 We calculate the Interim Value of your investment in an Index Account Option each Business Day between the first and last day of the Crediting Period. The Interim Value on a given Business Day determines the amount available from that Index Account Option for withdrawals, Surrender, and the other transactions listed below. The Interim Value is calculated at the end of a Business Day.

TheTable Interim Value for an Index Account Option will generally change each Business Day, and the change may be positive or negative compared to the last Business Day (even when the Index has increased in value). You should understand that the Interim Value for an Index Account Option on a Business Day will not impact your investment in that Index Account Option unless one of the following transactions occurs on that Business Day: Contents

•At Athe ~~fee~~end of the Crediting Period, we apply gain or ~~charge~~loss isto ~~deducted~~your ~~from~~Policy based on how the Index Account Option performed. The Index Account Option;’s performance is linked to the performance of a specific market index or exchange-traded fund (the “Index”). The Index’s performance is measured by calculating the net percentage change in the value of the Index (the “Index Change”) between the first day of the Crediting Period (the “Initial Index Value”) and the last day of the Crediting Period (the “Final Index Value”). For example, regardless of how the Index otherwise performed between the beginning and end of the Crediting Period:

• AnIf ~~amount is deducted from~~ the Initial Index ~~Account~~Value ~~Option~~is as1000 aand ~~result~~the ofFinal aIndex ~~Surrender~~Value oris ~~withdrawal (including an automatic withdrawal~~1100, ~~advisory~~the ~~fee~~Index ~~withdrawal,~~Change ~~minimum~~would ~~required~~be ~~distribution,~~+10% ~~surrender charge-free withdrawal~~(i.e., or(1100/1000) ~~any~~– ~~other~~1 ~~withdrawal~~= 10%);.

• ~~The~~Likewise, ~~Policy~~if the Initial Index Value is ~~annuitized;~~1000 and the Final Index Value is 900, the Index Change would be -10% (i.e., (900/1000) – 1 =-10%).

• The ~~death~~amount ~~benefit~~of gain isor ~~paid;~~loss orapplied to your investment at the end of the Crediting Period will depend on the Index Change and the Index Account Option’s upside and downside features, as described below.

•Positive ~~You~~Index ~~exercise~~Change. When the ~~Performance~~Index ~~Lock~~Change ~~feature~~at ~~(that~~the ~~Business~~end ~~Day~~of ~~being~~the Crediting Period is positive, your Policy gains value. The extent to which you participate in the ~~Performance~~positive ~~Lock~~Index ~~Date)~~performance depends on the Index Account Option’s “Growth Opportunity Type.”

In• ~~any~~Cap of– ~~those~~If ~~circumstances—including~~you ~~the~~select ~~deduction~~an ofIndex aAccount ~~periodic~~Option ~~fee~~with orCap, ~~charge—the~~you ~~transaction~~ will beparticipate ~~processed~~in ~~based on~~positive ~~the~~Index ~~Interim~~performance ~~Value~~up ~~for~~to ~~that~~the ~~Index~~Cap ~~Account~~Rate, ~~Option~~but onno ~~that~~positive ~~Business~~Index ~~Day.~~performance Ifbeyond ~~you~~the ~~have~~Cap ~~multiple~~Rate. ~~ongoing~~For ~~Crediting~~instance, ~~Periods~~if ~~for~~you select an Index Account ~~Options~~Option ~~that~~with ~~end~~a atCap ~~different~~Rate ~~times~~of 10%, ~~the~~and ~~transactions~~at ~~listed~~the ~~above~~end ~~will~~of bethe ~~based~~Crediting onPeriod anthe ~~Interim~~Index ~~Value~~Change ~~for~~is ~~some or~~5%, ~~all of~~ your Index ~~Account~~Credit ~~Options~~Rate (i.e., ~~For~~your asIndex ~~long~~rate asof ~~you~~return) ~~have~~would ~~multiple~~be ~~ongoing~~+5%. ~~Crediting~~If ~~Periods~~the ~~for~~ Index ~~Account~~Change ~~Options~~were 15%, ~~there~~your ~~may~~Index beCredit noRate ~~time~~would ~~that any such transaction can~~ be ~~performed~~limited ~~without~~to ~~the application of at least one Interim Value~~+10%.

~~Interim~~You ~~Values~~will ~~for~~not anparticipate ~~Index~~in ~~Account~~any ~~Option~~Index ~~generally~~performance ~~reflect~~beyond ~~less~~the ~~upside~~Cap ~~potential~~Rate. ~~and~~The ~~less~~Cap ~~downside~~Rate ~~protection~~limits ~~than~~the ~~would~~upside ~~otherwise~~potential ~~apply at the end~~ of ~~the~~your ~~Crediting Period~~investment. AsThe ~~such,~~Cap ~~when a transaction~~ is ~~processed~~measured over ~~based~~the onlife anof ~~Interim~~the ~~Value~~Crediting Period, ~~the~~which ~~Interim~~can ~~Value~~be ~~could~~more ~~reflect~~than ~~less~~one ~~gain~~year. orIn ~~more~~cases ~~loss~~where ~~(perhaps~~a ~~significantly~~Crediting ~~less~~Period ~~gain~~is or more ~~loss)~~ than ~~would~~one beyear, ~~applied at~~ the ~~end~~Cap ofRate ~~the~~for ~~Crediting Period. This means~~ that ~~there~~Crediting ~~could~~Period would be ~~significantly~~ less ~~money~~if ~~available~~measured ~~under~~on ~~your~~an ~~Policy~~annual ~~for fees and charges, withdrawals, a Surrender, annuitization, and the death benefit~~basis.

15For additional information and examples for Cap, see AVAILABLE ALLOCATION ACCOUNTS – GROWTH OPPORTUNITY TYPE: CALCULATING GAIN USING CAP later in this prospectus.

~~The~~• ~~application~~Participation of– anIf ~~Interim~~you ~~Value~~select ~~may~~an ~~result~~Index inAccount aOption ~~loss~~with toParticipation, anyou ~~Owner~~will ~~even~~participate ifin ~~the~~a ~~reference~~percentage ~~Index at the time~~ of ~~withdrawal~~positive orIndex ~~Surrender~~performance, orand ~~other~~that ~~transaction~~percentage ~~listed~~will ~~above~~be ~~is higher than at~~ the ~~beginning~~ ofParticipation ~~the~~Rate. ~~Crediting~~For ~~Period.~~instance, Ifif you ~~use~~select ~~the Performance Lock feature to lock-in~~ an ~~Interim~~Index ~~Value~~Account ~~(less~~Option ~~any~~with ~~Remaining~~Participation ~~Credit Advantage Fees~~ and ~~any~~a ~~other~~Participation ~~applicable~~Rate ~~charges)~~of ~~that~~80%, isand ~~lower~~at ~~than~~ the ~~amount you~~end ~~invested~~of inthe ~~that~~Crediting ~~Index~~Period ~~Account Option on~~ the ~~Crediting~~Index ~~Period~~Change ~~start~~is ~~date~~10%, ~~you~~your ~~may~~Index beCredit ~~locking-in~~Rate awould ~~loss~~be +8%. Please note:

If• aA ~~premium~~Participation ~~payment~~Rate ~~allocated~~equal to an100% ~~Index~~means ~~Account Option is still within its six-year surrender charge period, then in addition to applicable surrender charges, the Interim Value of your investment will include an adjustment~~ that ~~could~~you ~~reduce or increase your Interim Value depending on market conditions. In decreasing fixed income yield environments, this adjustment~~ will ~~serve~~fully toparticipate reduce the Interim Value. In increasing fixed income yield environments, this adjustment will serve to increase the Interim Value. The impact of the adjustment on Interim Value is at its greatest on the first day of the surrender charge period and lessens as the remaining number of days in ~~the~~positive ~~surrender charge period decreases. There is no adjustment if a premium payment allocated to an~~ Index ~~Account Option is outside of the six-year surrender charge period~~performance. ~~Please note that a six-year surrender charge period applies to each premium payment, including the initial premium payment and any additional premium payment.~~

~~For~~• additional information about how Interim Values are calculated, including our Interim Value formula and examples, see VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – INTERIM VALUES. See also APPENDIX A: ~~INTERIM~~Participation ~~VALUE~~Rate ~~CALCULATIONS~~less ~~AND~~than ~~EXAMPLES~~100% ~~for~~means ~~detailed~~that ~~explanations~~you ~~and~~will ~~additional~~not ~~examples~~fully ofparticipate ~~Interim~~in ~~Value~~positive ~~calculations.~~Index performance.

~~Index~~• ~~Substitutions.~~We During a Crediting Period, if a market index serving as an Index is discontinued or if the calculation of the index is substantially changed by the index provider, or if Index Values should become unavailable for any reason, or if an exchange-traded fund (ETF) that is serving as an Index is liquidated or otherwise no longer exists or if its investment objectives, strategies, or risks substantially change, we may ~~substitute~~declare ~~the~~Participation ~~Index~~Rates ~~with~~greater athan ~~new Index~~100%, once we obtain all necessary regulatory approvals. We will notify you of any such substitution in writing. We will seek to notify you at least 30 days prior to substituting an Index for any Index Account Option in which ~~you~~would ~~are~~have ~~invested. However, in~~ the ~~event~~effect ~~that it is necessary to substitute on less than 30 days’ notice due to circumstances outside~~ of ~~our~~increasing ~~control,~~your wegains ~~will~~beyond ~~provide notice of~~ the ~~substitution~~ ~~as soon as practicable. If we substitute an~~ Index, ~~we will select a new Index that we determine in our judgment is comparable to the old Index~~Change.

~~See~~If ~~VALUING~~the ~~YOUR~~Participation ~~INVESTMENT~~Rate INis ANless ~~INDEX~~than ~~ACCOUNT~~100%, ~~OPTION~~you –will ~~INDEX~~not ~~SUBSTITUTIONS~~fully ~~for~~participate ~~additional~~in ~~information,~~positive ~~including~~Index ~~information about how we~~performance, ~~calculate~~limiting the ~~Index~~upside ~~Change~~potential ~~after~~of ayour ~~substitution and examples~~investment.

~~Performance Lock. On any Business Day between the first and last day of the Crediting Period for an Index Account Option~~Currently, ~~you may exercise the Performance Lock feature. You may exercise Performance Lock for one, some, or~~ all ~~of your~~ Index Account Options. Ifwith ~~you~~Participation ~~have~~are ~~multiple~~designated ~~ongoing~~as ~~Crediting Periods for the same Index~~“Credit ~~Account Option~~Advantage,” ~~you~~which ~~may~~means ~~exercise Performance Lock for one, some, or all of them. You may decide not to exercise Performance Lock at all. If you exercise Performance Lock for~~ an ~~Index~~additional ~~Account~~charge ~~Option,~~will ~~your~~apply ~~Interim Value~~ for ~~that~~any Index Account Option ~~(less~~ ~~any~~with ~~Remaining~~Participation Credit Advantage Fees and any other applicable charges) on the Performance Lock Date is “locked-in” and transferred to the Performance Lock Account. You may “manually” exercise Performance Lock by contacting us on any Business Day before the end of the Crediting Period. You may also exercise Performance Lock “automatically” based on a target gain that you ~~provide us in advance~~select.

~~After~~For ~~you exercise Performance Lock, until the next Allocation Anniversary, the amount held in the Performance Lock Account will be credited compound interest~~additional ~~daily~~information ~~based on the annual interest rate in effect on that day,~~ and ~~will~~examples ~~be reduced on a dollar~~ for ~~dollar basis for any fees~~Participation, ~~charges,~~see orAVAILABLE ~~withdrawals~~ALLOCATION ~~deducted~~ACCOUNTS ~~from~~– ~~the~~GROWTH ~~Performance~~OPPORTUNITY ~~Lock~~TYPE: ~~Account.~~CALCULATING WeGAIN ~~may~~USING ~~change~~PARTICIPATION ~~the~~later ~~current~~in ~~annual~~this ~~interest rate at any time at our discretion, subject to a guaranteed minimum effective annual interest rate of 0~~prospectus.~~25%.~~

On14 the next Allocation Anniversary, you may transfer the amount held in the Performance Lock Account to any Allocation Account that is available for investment. You could also withdraw such amount or annuitize the Policy, but it cannot remain in the Performance Lock Account. We must receive your instructions at least one Business Day before the next Allocation Anniversary. In the absence of instructions, the amount held in the Performance Lock Account will be automatically reinvested in the same Index Account Option for which your exercised Performance Lock. If that Index Account Option is no longer available for investment, such amount will be transferred to the Default Option. Currently, the Default Option is the Fixed Account Option.

16Table of Contents

IfZero ~~you~~Index ~~exercise Performance Lock, you will be locking-in an Interim Value (and that Interim Value will be reduced dollar for dollar by any Remaining Credit Advantage Fees and any other applicable charges)~~Change. IfWhen ~~you~~the ~~lock-in~~Index anChange ~~amount~~at ~~that is lower than~~ the ~~amount~~end ~~you invested~~of ~~in that Index Account Option on~~ the Crediting Period ~~start~~is ~~date~~zero, ~~you~~your ~~may~~Policy ~~be locking-in a loss. Amounts held in the Performance Lock Account~~ will not ~~participate~~gain ~~in any Index performance (positive~~ or ~~negative).~~ Nolose ~~Index~~value ~~Credit~~as ~~will~~a beresult ~~applied at the end~~ of the ~~Crediting Period of the~~ Index ~~Account Option for which you exercised Performance Lock. Depending on when you exercised Performance Lock, your investment might not participate in Index~~ performance ~~for up to one year~~.

WeNegative ~~will~~Index ~~not~~Change ~~provide~~(Applying ~~advice~~the orBuffer). ~~notify~~When ~~you~~the ~~regarding~~Index ~~whether~~Change ~~you~~at ~~should~~the ~~exercise~~end of the Crediting ~~Performance~~Period ~~Lock~~is ~~feature~~negative, oryour Policy will lose value only to the ~~optimal~~ ~~time~~extent ~~for~~that ~~doing~~the ~~so.~~Index WeAccount ~~will~~Option’s downside protection does not ~~warn~~protect you iffrom ~~you~~loss. ~~exercise~~The ~~the~~downside ~~Performance~~protection ~~Lock~~provided ~~feature~~by atan aIndex ~~sub-optimal~~Account ~~time~~Option will depend on its “Downside Protection Type.” We ~~are~~currently ~~not~~only ~~responsible~~offer ~~for~~Index ~~any~~Account ~~losses~~Options ~~related~~with Buffer as the Downside Protection Type. Due to the operation of the Buffer, your ~~decision~~investment ~~whether~~will orincur ~~not~~loss tofor ~~exercise~~negative Index performance beyond the Buffer ~~Performance~~Rate. ~~Lock~~The ~~feature~~Buffer Rate represents the percentage of your investment that is protected from loss. For instance, assuming a Buffer Rate of 10%, it is possible that you could lose 90% of your investment as a result of negative Index performance. A Buffer absorbs the impact of negative Index performance before the negative Index performance impacts your investment.

~~See~~If ~~VALUING~~the ~~YOUR~~negative ~~INVESTMENT~~Index INperformance does ANnot ~~INDEX~~go ~~ACCOUNT~~beyond ~~OPTION~~the –Buffer ~~PERFORMANCE~~Rate, ~~LOCK~~you ~~for~~will ~~additional~~not ~~information~~incur ~~about~~loss ~~this~~as a result of that negative Index performance. For example, if you select an Index Account Option with a Buffer and a Buffer Rate of 10%, and at the end of the Crediting Period the Index ~~feature~~Change is -5%, ~~including~~your ~~examples~~Index Credit Rate would be 0% (i.e., no loss due to negative Index performance).

~~AVAILABLE~~If the ~~ALLOCATION~~negative ~~ACCOUNTS~~Index performance goes beyond the Buffer Rate, your investment will incur loss. Your Index Credit Rate will be a percentage equal to the excess Index Change over the Buffer Rate. Under these circumstances, the Buffer would provide only partial protection from loss related to the negative Index performance. For example, if you select an Index Account Option with a Buffer and a Buffer Rate of 10%, and at the end of the Crediting Period the Index Change is -15%, your Index Credit Rate would be -5% and you would incur loss.

~~Summary~~The Buffer provides limited downside protection. You assume the risk of ~~Available~~loss ~~Allocation~~for ~~Accounts~~negative Index performance in excess of the Buffer Rate. ~~Summarized~~Your ~~below~~losses ~~are~~could be significant. The Buffer is measured over the ~~Allocation~~life ~~Accounts~~of ~~that~~the ~~are~~Crediting ~~currently~~Period, ~~available~~which ~~for~~can ~~investment~~be more than one year. ~~For~~In cases where a ~~complete listing~~Crediting ofPeriod ~~Allocation~~is ~~Accounts~~more ~~that~~than ~~are~~one ~~currently~~year, ~~available~~the Buffer for ~~investment,~~that ~~see~~Crediting ~~AVAILABLE~~Period ~~ALLOCATION~~is ~~ACCOUNTS~~the ~~later~~total inBuffer ~~this~~for ~~prospectus~~the life of the Crediting Period.

•For ~~Fixed~~additional ~~Account~~information ~~Option.~~and Weexamples ~~are~~of ~~offering~~how ~~one~~we ~~Fixed~~calculate ~~Account~~your ~~Option.~~Index ItCredit ~~has~~Rate ausing ~~1-year~~Buffer, ~~Crediting~~see ~~Period~~AVAILABLE ~~and~~ALLOCATION aACCOUNTS ~~guaranteed~~– ~~minimum~~DOWNSIDE ~~effective~~PROTECTION ~~annual~~TYPE: ~~interest~~CALCULATING ~~rate~~LOSS ofUSING 0THE BUFFER.~~25%.~~

~~• Basic~~ Index Account ~~Options~~Option Value. WeThe ~~are~~value ~~offering~~of 26your ~~“Basic~~investment in an Index Account Option at the end of a Crediting Period is your Index Account ~~Options~~Option Value.” ~~Each~~Your ~~Basic~~ Index Account Option ~~has~~Value is calculated by applying the ~~following~~“Index ~~design~~Credit ~~elements:~~Rate” to your “Index Base.”

• AnIndex Credit Rate / Index, ~~either~~Credit. The Index Credit Rate represents the ~~S&P~~percentage ~~500®~~gain or loss that we apply to your Index, ~~Fidelity~~Account ~~World~~at ~~Factor~~the ~~Leaders~~end ~~IndexSM~~of ~~0.5%~~the ARCrediting Period (i.e., ~~iShares®~~your ~~Russell~~Index ~~2000~~rate ~~ETF,~~of return). Your gain or ~~iShares®~~loss Ucan also be expressed as a dollar amount, which we then refer to as the “Index Credit.S.” ~~Technology~~The ~~ETF~~Index Credit Rate and the Index Credit may be positive, negative, or zero.

• AIndex ~~Crediting~~Base. ~~Period,~~Your ~~either~~Index 1Base ~~year,~~generally 2represents ~~years,~~your orinvestment 6in ~~years~~the Index Account Option.

•The ~~Buffer~~following asis ~~its~~an ~~Downside~~example ~~Protection~~of ~~Type,~~how ~~with~~we calculate your Index Account Option Value at the end of a ~~Buffer~~Crediting ~~Rate~~Period: Assume you invest $10,000 in an Index Account Option. At the beginning of ~~either~~the Crediting Period, your Index Base is $10%,000. ~~15%~~At the end of the Crediting Period, your Index Base is still $10,000 if there were no deductions for fees or ~~20%~~charges or withdrawals before the end of the Crediting Period. At the end of the Crediting Period, we will apply the Index Credit Rate to your Index Base to calculate your Index Account Option Value.

• AAssuming ~~Growth~~an ~~Opportunity~~Index ~~Type,~~Credit ~~either~~Rate ~~(a)~~of ~~Cap~~ +10%, ~~subject~~your toIndex aAccount ~~guaranteed~~Option ~~minimum~~Value ~~Cap~~would ~~Rate~~equal $11,000 or (b)i.e., ~~Participation~~$10,000 ~~subject~~x to(1 a+ ~~guaranteed~~10%) ~~minimum~~= ~~Participation~~$11,000). ~~Rate~~The Index Credit is +$1,000.

•15 Enhanced Index Account Options (Best Entry). We are offering four “Enhanced Index Account Options,” all of which are “Best Entry” options. Each Best Entry option has the following design elements:

•Table Anof Index, either the S&P 500® Index or Fidelity World Factor Leaders IndexSM 0.5% AR.Contents

• AAssuming ~~Crediting~~an ~~Period~~Index Credit Rate of 6-10%, ~~years~~your Index Account Option Value would equal $9,000 (i.e., $10,000 x (1 + -10%) = $9,000). The Index Credit is -$1,000.

•Any Afees ~~Buffer~~or ascharges ~~its~~deducted ~~Downside~~at ~~Protection~~the ~~Type~~end of the Crediting Period will be deducted on a dollar for dollar basis from your Index Account Option Value after the Index Credit is applied. Continuing the examples above, ~~with~~if a ~~Buffer~~$50 ~~Rate~~service ofcharge were deducted from that Index Account Option on the same day that the Index Credit was applied, the Index Account Option Value would be reduced after the Index Credit to $10%,950 (i.e., $11,000—$50) or $8,950 (i.e., $9,000—$50), respectively. See FEES AND CHARGES.

•See ATYPES ~~Cap~~OF asACCOUNTS ~~its~~– ~~Growth~~INDEX ~~Opportunity~~ACCOUNT ~~Type,~~OPTIONS ~~with~~and aVALUING ~~guaranteed~~YOUR ~~minimum~~INVESTMENT ~~Cap~~IN ~~Rate~~AN toINDEX ~~which~~ACCOUNT weOPTION ~~are~~later ~~subject~~in this ~~when~~prospectus ~~we declare new Cap Rates~~ for ~~new~~more ~~Crediting Periods~~information.

•Negative ~~Four~~Adjustments ~~additional~~to ~~design~~Index ~~elements~~Base. ~~related~~On the first day of the Crediting Period, your Index Base equals the dollar amount that you allocated to ~~Best~~that ~~Entry’s~~Index ~~Initial~~Account Option. Your Index ~~Value~~Base ~~reset~~for ~~feature~~that Index Account Option will not change unless a fee or charge is deducted from that Index Account Option, or if you take any type of withdrawal from that Index Account Option (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal), before the end of the Crediting Period, in which case your Index Base will be subject to a negative adjustment at that time. The negative adjustment is a proportionate reduction to your Index Base. It is derived by reducing your Index Base by the same percentage as ~~discussed~~the ~~under~~percentage ~~“Summary~~reduction ~~Explanation~~to your Interim Value due to the amount of ~~Best~~the ~~Entry”~~withdrawal ~~below~~or the fee or charge deducted (which is deducted from the Interim Value on a dollar for dollar basis).

17A negative adjustment to your Index Base could result in less gain (if any) or more loss at the end of a Crediting Period, perhaps significantly less gain or more loss, because the Index Credit Rate will be applied to a lower Index Base. All withdrawals taken, and fees and charges deducted, from an Index Account Option before the end of a Crediting Period will trigger a negative adjustment to your Index Base, even fees and charges that are periodically deducted from your Policy. A negative adjustment to your Index Base may be greater than the amount withdrawn or the fee or charge deducted. A negative adjustment will also result in lower Interim Values for the remainder of the Crediting Period (because the interim rate of return will be applied to a smaller Index Base). There is no way to increase your Index Base during a Crediting Period, and therefore no way to reverse or offset the negative impact of a negative adjustment to your Index Base.

~~The~~See ~~Growth~~VALUING ~~Opportunity~~YOUR ~~Type~~INVESTMENT ~~for~~IN ~~certain~~AN ~~Index~~INDEX ~~Account~~ACCOUNT ~~Options~~OPTION is– ~~designated~~NEGATIVE asADJUSTMENTS ~~“Credit Advantage.”~~TO ~~You~~INDEX ~~will~~BASE ~~pay~~later anin ~~additional~~this ~~annualized fee of 1.25% if you select an Index Account Option with a Credit Advantage Growth Opportunity Type~~ prospectus for ~~investment. In exchange for the~~ additional ~~fee~~information, ~~the~~including ~~Growth Opportunity Type will provide more upside potential, based on the upside rates we declare, than would be provided if the Growth Opportunity Type were not designated as “Credit Advantage~~examples.” ~~There~~See isalso noAPPENDIX ~~guarantee~~B: ~~that~~ADDITIONAL ~~the~~EXAMPLES ~~increased~~FOR ~~upside~~INDEX ~~potential~~ACCOUNT ofOPTIONS afor ~~Credit Advantage Growth Opportunity Type will result in gains at least equal to the~~ additional ~~fee~~examples orof ~~any~~negative ~~gains at all~~adjustments. ~~The additional fee will increase any losses or decrease any gains.~~

~~The~~Interim ~~availability~~Values. We calculate the Interim Value of ~~Allocation~~your ~~Accounts~~investment ~~may~~in ~~vary~~an byIndex ~~financial~~Account ~~intermediary~~Option each Business Day between the first and last day of the Crediting Period. ~~You~~The ~~may~~Interim ~~obtain~~Value ~~information~~on ~~about~~a given Business Day determines the ~~Allocation~~amount ~~Accounts~~available from that ~~are~~Index ~~available through~~Account ~~your~~Option ~~financial~~for ~~intermediary~~withdrawals, bySurrender, ~~contacting~~and ~~your~~the ~~financial~~other ~~professional~~transactions orlisted ~~our~~below. ~~Administrative~~The ~~Office~~Interim Value is calculated at the end of a Business Day.

~~Selecting~~The ~~Allocation~~Interim ~~Accounts For~~Value ~~Investment.~~for ~~When~~an ~~you~~Index ~~are~~Account ~~purchasing~~Option ~~the~~will ~~Policy,~~generally ~~coming~~change toeach Business Day, and the ~~end~~change ofmay abe ~~Crediting~~positive ~~Period,~~or ~~making~~negative ancompared ~~additional~~to ~~premium~~the last ~~payment,~~Business orDay ~~coming~~(even towhen the ~~next~~Index ~~Allocation~~has ~~Anniversary~~increased ~~after~~in ~~you~~value). ~~exercise~~You ~~Performance~~should ~~Lock~~understand that the Interim Value for an Index Account Option, ~~you~~on a Business Day will ~~have~~not animpact ~~opportunity~~your toinvestment ~~select~~in ~~from~~that ~~among~~Index Account Option unless one of the ~~available~~following transactions ~~Allocation~~occurs ~~Accounts~~on ~~for~~that ~~investment.~~Business Day:

• A ~~complete~~fee listing of Allocation Accounts that are currently available for investment can be found in tables under AVAILABLE ALLOCATION ACCOUNTS later in this prospectus. Those tables do not include the current annual interest rate for the Fixed Account Option, the current Cap Rates for the Index Account Options with Cap, or ~~the~~charge ~~current~~is ~~Participation~~deducted ~~Rates~~from ~~for~~ the Index Account Options with Participation (together, “current upside rates”) because we may declare new current upside rates for new Crediting Periods, subject to the guaranteed limits set forth in those tables. The current upside rates determine the Allocation Accounts’ potential for gain. Therefore, it is important that you obtain and carefully review the current upside rates when selecting your Allocation Accounts. Option;

~~See~~• ~~SELECTING~~An ~~ALLOCATION~~amount ~~ACCOUNTS~~is ~~FOR~~deducted ~~INVESTMENT~~from ~~later~~the inIndex ~~this~~Account ~~prospectus~~Option ~~for~~as ~~detailed~~a ~~information~~result ~~about~~of ~~how to~~a ~~obtain~~Surrender ~~current~~or ~~upside~~withdrawal ~~rates~~(including ~~and~~an ~~what~~automatic towithdrawal, ~~expect~~advisory ~~when~~fee ~~selecting~~withdrawal, ~~your~~minimum ~~Allocation~~required ~~Accounts.~~distribution, surrender charge-free withdrawal, or any other withdrawal);

~~Summary~~• ~~Explanation~~The ofPolicy ~~Best Entry. When you invest in any Index Account Option, we measure your Index rate of return based on your Initial Index Value. If there~~ is a market downturn after your Crediting Period starts, your gains could be less and your losses could be greater at the end of the Crediting Period. Best Entry, on a limited basis, can help reduce this risk through its Initial Index Value reset feature, as described further below. annuitized;

~~Each~~• ~~Best Entry~~The ~~option~~death ~~has~~benefit ~~a Cap and Buffer. We will calculate your Index Change for a Best Entry option the same way as a Basic Index Account Option. We will apply the Cap if the Index Change~~ is ~~positive~~paid; or ~~zero, or Buffer if the Index Change is negative. There is only one difference between Best Entry and a Basic Index Account Option:~~

• ~~Under~~You aexercise ~~Basic Index Account Option,~~ the ~~Initial~~Performance ~~Index~~Lock ~~Value~~feature is(that ~~always~~Business ~~the~~Day ~~Index~~being ~~Value on~~ the ~~Crediting~~Performance ~~Period~~Lock ~~start date~~Date).

•16 Under a Best Entry option, the Initial Index Value may automatically reset from the Index Value on the Crediting Period start date to a lower Index Value that occurred after the Crediting Period began.

BestTable Entry’s Initial Index Value reset feature is based on the following four design elements: (i) a monthly Observation Frequency; (ii) either three or six Observation Days; (iii) a Best Entry Reset Threshold of -5%; and (iv) a Best Entry Reset Maximum of either -5% or -20%. How the Initial Index Value reset feature works: Contents

•In ~~The~~any ~~Index~~of those circumstances—including the deduction of a periodic fee or charge—the transaction will be processed based on the Interim Value for that Index Account Option on that Business Day. If you have multiple ongoing Crediting Periods for Index Account Options that end at different times, the ~~first~~transactions ~~day~~listed above will be based on an Interim Value for some or all of ~~the~~your Index Account Options. For as long as you have multiple ongoing Crediting ~~Period~~Periods isfor Index Account Options, there may be no time that any such transaction can be performed without the ~~starting~~application ~~Initial~~of at ~~Index~~least one Interim Value.

•Interim ~~The~~Values ~~Initial~~for an Index ~~Value~~Account ~~may~~Option ~~reset~~generally ~~only~~reflect onless anupside ~~“Observation~~potential ~~Day.”~~and ~~Depending~~less ondownside protection than would otherwise apply at the ~~option~~end ~~you~~of ~~choose~~the Crediting Period. As such, ~~there~~when ~~are~~a ~~only~~transaction ~~three~~is orprocessed ~~six~~based ~~Observation~~on ~~Days~~an Interim Value, ~~and~~the ~~therefore~~Interim ~~only~~Value ~~three~~could reflect less gain or ~~six~~more ~~calendar~~loss ~~days~~(perhaps onsignificantly ~~which~~less gain or more loss) than would be applied at the ~~Initial~~end ~~Index~~of ~~Value~~the isCrediting ~~eligible~~Period. toThis ~~reset~~means that there could be significantly less money available under your Policy for fees and charges, withdrawals, a Surrender, annuitization, and the death benefit.

18The application of an Interim Value may result in a loss to an Owner even if the reference Index at the time of withdrawal or Surrender or other transaction listed above is higher than at the beginning of the Crediting Period. If you use the Performance Lock feature to lock-in an Interim Value (less any Remaining Credit Advantage Fees and any other applicable charges) that is lower than the amount you invested in that Index Account Option on the Crediting Period start date, you may be locking-in a loss.

•If ~~Each~~a ~~Observation~~premium ~~Day~~payment ~~will~~allocated ~~correspond~~to an Index Account Option is still within its six-year surrender charge period, then in addition to applicable surrender charges, the ~~same~~Interim ~~calendar~~Value ~~day~~of onyour ~~which~~investment ~~the~~will ~~Crediting~~include ~~Period~~an ~~began~~adjustment ~~and~~that iscould ~~determined~~reduce ~~based~~or increase your Interim Value depending on ~~the~~market ~~monthly~~conditions. ~~Observation~~In ~~Frequency~~decreasing fixed income yield environments, this adjustment will serve to reduce the Interim Value. ~~This~~In ~~means~~increasing ~~there~~fixed isincome ~~one~~yield ~~month~~environments, ~~(i)~~this ~~between~~adjustment will serve to increase the ~~Crediting~~Interim ~~Period~~Value. ~~start~~The ~~date~~impact ~~and~~of the ~~first~~adjustment ~~Observation~~on ~~Day~~Interim ~~and~~Value ~~(ii)~~is ~~between~~at ~~Observation~~its ~~Days.~~greatest ~~Observation~~on ~~Days~~the ~~will~~first ~~begin~~day ~~with~~of the surrender ~~month~~charge ~~immediately~~period ~~following~~and lessens as the ~~Crediting~~remaining ~~Period~~number ~~start~~of ~~date~~days in the surrender charge period decreases. ~~For~~There ~~example:~~is no adjustment if ~~the~~a ~~Crediting~~premium ~~Period~~payment ~~start~~allocated ~~date~~to isan ~~January~~Index 1,Account ~~2022~~Option ~~and~~is ~~there~~outside ~~are~~of the six-year ~~Observation~~surrender ~~Days,~~charge ~~the~~period. ~~six~~Please ~~Observation~~note ~~Days~~that ~~would~~a besix-year ~~February~~surrender 1,charge ~~March~~period 1,applies ~~April~~to 1,each ~~May~~premium 1payment, ~~June~~including 1,the initial premium payment and ~~July~~any additional 1,premium ~~2022~~payment.

•For Onadditional aninformation ~~Observation~~about ~~Day~~how Interim Values are calculated, ~~the~~including ~~Initial~~our ~~Index~~Interim Value ~~will~~formula ~~automatically~~and ~~reset~~examples, see ifVALUING ~~both~~YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – INTERIM VALUES. See also APPENDIX A: INTERIM VALUE CALCULATIONS AND EXAMPLES for detailed explanations and additional examples of Interim Value calculations.

~~(i)~~Index ~~The~~Substitutions. ~~value~~During a Crediting Period, if a market index serving as an Index is discontinued or if the calculation of the ~~Index~~index ~~has~~is ~~decreased~~substantially changed by the ~~“Best~~index ~~Entry~~provider, ~~Reset~~or ~~Threshold”~~if Index Values should become unavailable for any reason, or if an exchange-traded fund (~~which~~ETF) that is ~~expressed~~serving as ~~-5%)~~an ~~compared~~Index tois liquidated or otherwise no longer exists or if its investment objectives, strategies, or risks substantially change, we may substitute the Index ~~Value~~with ona new Index, once we obtain all necessary regulatory approvals. We will notify you of any such substitution in writing. We will seek to notify you at least 30 days prior to substituting an Index for any Index Account Option in which you are invested. However, in the ~~first~~event ~~day~~that it is necessary to substitute on less than 30 days’ notice due to circumstances outside of our control, we will provide notice of the ~~Crediting~~substitution ~~Period;~~as ~~and~~soon as practicable. If we substitute an Index, we will select a new Index that we determine in our judgment is comparable to the old Index.

~~(ii)~~See ~~The~~VALUING ~~Index~~YOUR ~~Value~~INVESTMENT onIN ~~that~~AN ~~Observation~~INDEX ~~Day~~ACCOUNT isOPTION ~~lower~~– ~~than~~INDEX ~~the~~SUBSTITUTIONS ~~current~~for ~~Initial~~additional ~~Index~~information, ~~Value~~including information ~~(taking~~about ~~into~~how ~~account~~we ~~any~~calculate ~~prior~~the ~~reset~~Index ~~that~~Change ~~has~~after ~~occurred~~a ~~since~~substitution ~~the~~and ~~beginning of the Crediting Period)~~examples.

~~For~~Performance ~~example, assume you select a Best Entry option with six Observation Days and the Crediting Period start date is January 1~~Lock. ~~Also assume the Initial Index Value on January 1 is 1000.~~ On ~~February~~any 1Business ~~(the first Observation~~ Day), ifbetween the ~~Index Value is 950 or lower (which represents a 5% decrease from the Index Value on the~~ first and last day of the Crediting Period, ~~i.e.,~~for ~~1000~~an ~~– (1000 x 0.05) = 950)), the Initial~~ Index ~~Value~~Account ~~will automatically reset to the Index Value on February 1~~Option, ~~subject~~you tomay ~~the~~exercise ~~“Best Entry Reset Minimum Value” discussed below. However, if~~ the ~~Index~~Performance ~~Value~~Lock ~~on February 1 is higher than 950, the Initial Index Value would remain at 1000~~feature. ~~Continuing~~You ~~this~~may ~~example,~~exercise ~~assuming~~Performance ~~the~~Lock ~~Initial~~for ~~Index Value reset to 950 on February 1~~one, ~~if the Index Value on March 1 (the second Observation Day) is lower than 950~~some, ~~the~~or ~~Initial~~all ~~Index~~of ~~Value~~your ~~would automatically reset to the~~ Index ~~Value~~Account ~~on March 1, subject to the Best Entry Reset Minimum Value~~Options. If ~~the~~you ~~Index~~have ~~Value~~multiple onongoing ~~March~~Crediting 1Periods ~~is 950 or higher,~~ for the ~~Initial~~same Index ~~Value~~Account ~~would~~Option, ~~remain~~you atmay ~~950.~~exercise ~~The~~Performance ~~same~~Lock ~~analysis~~for ~~would~~one, besome, ~~performed~~or onall ~~each~~ of ~~the~~them. ~~remaining~~You ~~four~~may ~~Observation~~decide ~~Days~~not ~~(April~~to 1,exercise ~~May 1, June 1, and July 1).~~

•17 ~~In no event will the Initial Index Value be reset to a higher Index Value.~~

•Table Inof no event will the Initial Index Value reset below a certain Index Value called the “Best Entry Reset Minimum Value.” The Best Entry Reset Minimum Value is derived by multiplying the Index Value on the Crediting Period start date by the “Best Entry Reset Maximum,” which is equal to either -5% or -20%. No future resets are allowed if the Initial Index Value has been reset to the Best Entry Reset Minimum Value.Contents

~~For~~ Performance ~~example,~~Lock ~~assume~~at ~~the~~all. ~~Crediting~~If ~~Period~~you ~~start~~exercise ~~date~~Performance isLock ~~January~~for 1.an ~~Also assume the~~ Index ~~Value~~Account onOption, ~~January~~your 1Interim ~~is 1000 and the Best Entry Reset Maximum is -20%. The Best Entry Reset Minimum~~ Value ~~would~~for bethat ~~800~~Index ~~(i.e.,~~Account ~~1000~~Option x (1less +any ~~-20%)~~Remaining =Credit ~~800).~~Advantage ~~The~~Fees ~~Initial~~and ~~Index~~any ~~Value~~other applicable ~~could never reset below 800. On February 1 (the first Observation Day~~charges), ~~assume~~on the ~~Index~~Performance ~~Value~~Lock Date is ~~750.~~“locked-in” ~~The~~and ~~Initial~~transferred ~~Index Value would reset from 1000~~ to ~~800,~~the ~~not~~Performance ~~from~~Lock ~~1000~~Account. toYou ~~750.~~may ~~The~~“manually” ~~Initial~~exercise ~~Index~~Performance ~~Value~~Lock ~~would~~by ~~then~~contacting ~~remain~~us aton ~~800~~any Business ~~for~~Day before the ~~remainder~~end of the Crediting Period. OnYou ~~the~~may ~~remaining~~also ~~Observation~~exercise ~~Days,~~Performance ~~there~~Lock ~~would~~“automatically” bebased noon ~~reset,~~a ~~even~~target ifgain ~~the~~that ~~Index~~you ~~Value~~provide isus ~~lower~~in ~~than 800~~advance.

~~Please~~After ~~note,~~you ~~two~~exercise ~~Best~~Performance ~~Entry~~Lock, ~~options~~until ~~have~~the anext ~~Best~~Allocation ~~Entry~~Anniversary, ~~Reset~~the ~~Threshold~~amount ~~and~~held ~~Best~~in ~~Entry~~the ~~Reset~~Performance ~~Maximum~~Lock ~~that are~~Account ~~both~~will ~~equal~~be tocredited ~~-5%.~~compound ~~Under~~interest daily ~~these~~based ~~two~~on ~~options,~~the ~~which~~annual ~~are~~interest ~~available~~rate ~~for~~in noeffect ~~additional~~on ~~charge,~~that ~~the~~day ~~Initial~~and ~~Index~~will ~~Value~~be ~~may~~reduced ~~reset~~on noa ~~more~~dollar ~~than~~for ~~one~~dollar ~~time.~~basis ~~Any~~for ~~such~~any ~~reset~~fees, ~~will~~charges, ~~equal -5%~~or ~~(because~~withdrawals deducted from the ~~reset~~Performance ~~threshold~~Lock ~~and~~Account. ~~reset~~We ~~maximum~~may ~~are~~change the ~~same).~~current ~~For~~annual ~~the~~interest ~~other~~rate ~~Best~~at ~~Entry~~any time ~~options~~at our discretion, ~~multiple~~subject ~~resets~~to ~~and~~a ~~aggregate~~guaranteed ~~resets~~minimum effective annual interest rate of up0.25%. State variations may apply to ~~-20%~~your ~~are~~guaranteed ~~possible,~~minimum ~~but those~~effective ~~options~~annual ~~are~~interest ~~subject~~rate. toSee aOTHER ~~Credit~~INFORMATION ~~Advantage~~– ~~Fee~~State Variations.

•On ~~The~~the ~~Initial~~next ~~Index~~Allocation ~~Value~~Anniversary, asyou ~~reset~~may transfer the amount held in the Performance Lock Account to any Allocation Account that is available for investment. You could also withdraw such amount or annuitize the Policy, ifbut ~~applicable~~it cannot remain in the Performance Lock Account. We must receive your instructions at least one Business Day before the next Allocation Anniversary. In the absence of instructions, the amount held in the Performance Lock Account will be ~~used~~automatically toreinvested ~~calculate~~in the same Index ~~Change~~Account atOption for which your exercised Performance Lock. If that Index Account Option is no longer available for investment, such amount will be transferred to the ~~end~~Default ofOption. Currently, the ~~Crediting~~Default ~~Period~~Option is the Fixed Account Option.

19If you exercise Performance Lock, you will be locking-in an Interim Value (and that Interim Value will be reduced dollar for dollar by any Remaining Credit Advantage Fees and any other applicable charges). If you lock-in an amount that is lower than the amount you invested in that Index Account Option on the Crediting Period start date, you may be locking-in a loss. Amounts held in the Performance Lock Account will not participate in any Index performance (positive or negative). No Index Credit will be applied at the end of the Crediting Period of the Index Account Option for which you exercised Performance Lock. Depending on when you exercised Performance Lock, your investment might not participate in Index performance for up to one year.

~~For~~We ~~example,~~will ~~assume~~not ~~the~~provide ~~Index~~advice or ~~Value~~notify onyou ~~the~~regarding ~~Crediting~~whether ~~Period~~you ~~start~~should ~~date~~exercise ~~is 1000. Also assume~~ the ~~Initial~~Performance ~~Index~~Lock ~~Value~~feature ~~reset~~or ~~from 1000 to 945 on an Observation Day and there were no other resets. Based on these assumptions,~~ the ~~Initial~~optimal ~~Index~~time ~~Value~~for atdoing ~~the end of the Crediting Period would be 945~~so. ~~Accordingly,~~We ~~when~~will ~~calculating~~not ~~the~~warn ~~Index~~you Change at the end of the Crediting Period, we would use the reset Initial Index Value of 945 rather than the original Initial Index Value of 1000. Assuming a Final Index Value of 1100, the Index Change would be +16.4% (i.e., (1100/945) – 1 = +16.4%). If the original Initial Index Value of 1000 had applied instead, the Index Change would have been only +10% (i.e., (1100/1000) – 1 = +10%). Please note that the reset increases gains in this example only if ~~the~~you ~~Cap~~exercise ~~Rate is higher than 10%. If~~ the ~~Cap~~Performance ~~Rate~~Lock isfeature ~~10%~~at ~~or lower, the Index Credit Rate would be the same regardless of the reset due to the upside limitations of the Cap. Assuming~~ a ~~Final Index Value of 825, the Index Change would be~~ sub-~~12.69%~~optimal (itime.~~e.,~~ ~~(825/945)~~We are –not 1responsible =for ~~-12.69%).~~any ~~If the original Initial Index Value of 1000 had applied instead, the Index Change would have been -17.5% (i.e., (825/1000) – 1 = -17.5%). In this example, the reset decreases~~ losses ~~because~~related ~~the Index Change using the original Index Value (-17.5%) exceeds the Buffer Rate of 10%~~ to a greater extent than the Index Change using the reset Initial Index Value (-12.69%). Hypothetically, if the Index Change using the original Initial Index Value was instead -10% and the Index Change using the reset Initial Index Value was instead -5%, the reset would have no impact on your ~~Index~~decision ~~rate~~whether ofor ~~return, because the Index Change in either case would~~ not ~~exceed~~to exercise the ~~Buffer~~Performance ~~Rate~~Lock ~~of 10%~~feature.

~~While~~SeeVALUING ~~Best~~YOUR ~~Entry~~INVESTMENT ~~may~~IN ~~help~~AN ~~you~~INDEX ~~increase~~ACCOUNT ~~your~~OPTION ~~gains~~– orPERFORMANCE ~~decrease~~LOCK ~~your~~for ~~losses,~~additional itinformation isabout ~~subject~~this ~~to the same risks associated with Cap and Buffer. You will not participate in any positive Index performance above the Cap Rate~~feature, ~~and~~including ~~the Buffer provides only limited downside protection~~examples. Your losses could be significant. In addition, on any calendar day that is not an Observation Day, which represent the overwhelming number of days in a Best Entry option Crediting Period, the Initial Index Value will not be eligible for reset, regardless of how badly the Index performs.

~~For additional information and examples of Best Entry, see AVAILABLE~~ ALLOCATION ACCOUNTS ~~– ENHANCED INDEX ACCOUNT OPTIONS – Best Entry.~~

~~PRODUCT~~Summary of ~~RISK~~Available ~~FACTORS~~Allocation Accounts. Summarized below are the Allocation Accounts that are currently available for investment. For a complete listing of Allocation Accounts that are currently available for investment, see AVAILABLE ALLOCATION ACCOUNTS later in this prospectus.

~~RISK~~• OFFixed ~~LOSS~~Account Option. We are offering one Fixed Account Option. It has a 1-year Crediting Period and a guaranteed minimum effective annual interest rate of 0.25%. State variations may apply to your guaranteed minimum effective annual interest rate. See OTHER INFORMATION – State Variations.

An• ~~investment~~Basic ~~in this~~Index ~~Policy~~Account ~~is subject to the risk of loss~~Options. ~~You~~We ~~may~~are ~~lose~~offering ~~money,~~40 ~~including~~“Basic ~~your~~Index ~~principal~~Account ~~investment~~Options.” ~~and~~Each ~~previously~~Basic ~~credited~~Index ~~earnings.~~Account ~~Your~~Option ~~losses~~has ~~may~~the befollowing ~~significant.~~design elements:

~~ALLOCATION~~• ~~ACCOUNT~~An ~~AVAILABILITY~~Index, ~~RISK~~either the S&P 500® Index, Fidelity World Factor Leaders IndexSM 0.5% AR, First Trust Equity Edge IndexTM, iShares® Russell 2000 ETF, or iShares® U.S. Technology ETF.

We• ~~reserve~~A the right to add and remove Allocation Accounts as available investment options. Allocation Accounts will only be added or removed through an amendment to this prospectus. We also reserve the right to make different Allocation Accounts available for investment in connection with only new premium payments (i.e., initial or additional premium payments) as opposed to at the end of a Crediting Period., ~~There~~either is1 noyear, ~~guarantee~~2 ~~that~~years, ~~an Allocation Account that you select for investment will always be available to you in the future~~ or ~~available~~6 ~~with the same current upside rates~~years.

~~Our~~18 only guarantee regarding the availability of Allocation Accounts is that we will always offer at least the following Basic Index Account Option for investment: S&P 500® Index, 1-Year Crediting Period, Buffer (Buffer Rate: 10%), Cap (Cap Rate: No lower than 2.00%), and no Credit Advantage Fee. Please note the Index for that Index Account Option remains subject to our right of substitution. See INDEX SUBSTITUTION RISK below.

IfTable we remove an Allocation Account, it will be closed such that no new premiums, reinvestments, or transfers will be allowed into that Allocation Account. If you are currently invested in an Allocation Account and it is removed, you may remain in that Allocation Account until the end of the Crediting Period. Contents

If• ~~you~~Buffer ~~are~~as ~~not~~its ~~comfortable~~Downside ~~with~~Protection ~~the risk that we may not offer Allocation Accounts in the future that are attractive to you based on your personal preferences~~Type, ~~risk tolerances, or time horizon, or~~ with ~~the risk that we may offer only~~ a ~~single~~Buffer ~~Index~~Rate Account Option in the future, this Policy is not appropriate for you. You may Surrender your Policy (i.e., take a full withdrawal) if there are no Allocations Accounts that you wish to select, but the Surrender may be subject to surrender charges, will be based on an Interim Value if taken before the end of aeither ~~Crediting Period for an Index Account Option, may be subject to taxes (including a~~ 10%, ~~federal penalty tax if taken before age 591⁄2)~~15%, ~~and~~or ~~your Policy will terminate~~20%.

20• A Growth Opportunity Type, either (a) Cap, subject to a guaranteed minimum Cap Rate no lower than 2.00%, or (b) Participation, subject to a guaranteed minimum Participation Rate of 50%.

~~LIQUIDITY~~• ~~RISK~~Enhanced Index Account Options (Best Entry). We are offering four “Enhanced Index Account Options,” all of which are “Best Entry” options. Each Best Entry option has the following design elements:

We• ~~designed~~An ~~the~~Index, ~~Policy~~either tothe beS&P a500® ~~long-term~~Index ~~investment.~~or IfFidelity ~~you~~World ~~are~~Factor ~~not~~Leaders aIndexSM ~~long-term investor, this Policy may not be appropriate for you~~0.5% AR.

• ~~Transfer~~A Limitations. The Policy restricts transfers between investment options, which will limit your ability to reallocate your Policy Value in response to changes in market conditions or your personal circumstances. You may transfer Policy Value invested in an Allocation Account only at the end of that Allocation Account’s Crediting Period ~~(or~~of on6 ~~the next Allocation Anniversary, if you exercised Performance Lock)~~years.

• ~~Withdrawal~~A ~~and~~Buffer ~~Surrender~~as ~~Consequences.~~its ~~You~~Downside ~~may~~Protection ~~take a withdrawal or a Surrender at any time during the accumulation phase; however~~Type, ~~there may be significant risks and negative consequences associated~~ with ~~any~~a ~~such~~Buffer ~~withdrawal~~Rate ~~or Surrender, including potential surrender charges, taxes and tax penalties, and negative impacts to the value~~ of ~~your investment~~10%. ~~See WITHDRAWAL AND SURRENDER RISK.~~

• ~~Interim~~A ~~Values.~~Cap ~~There~~as ~~may~~its beGrowth ~~long~~Opportunity ~~periods~~Type, ofwith ~~time when you cannot perform~~ a ~~transaction~~guaranteed ~~under~~minimum ~~the~~Cap ~~Policy~~Rate ~~that is not based on one or more Interim Values. For as long as you have multiple ongoing Crediting Periods for Index Account Options, there may be~~ no ~~time~~lower ~~that~~than ~~any such transaction can be performed without the application of at least one Interim Value~~8. ~~See INTERIM VALUE RISK~~00%.

• ~~Taxes.~~Four ~~Income~~additional ~~taxes~~design ~~and~~elements ~~certain~~related ~~tax restrictions may apply~~ to ~~any~~Best ~~withdrawal~~Entry’s orInitial ~~Surrender.~~Index IfValue ~~taken~~reset ~~before age 591⁄2~~feature, aas ~~withdrawal~~discussed orunder ~~Surrender~~“Summary ~~may~~Explanation ~~also~~of beBest ~~subject~~Entry” ~~to a 10% federal penalty tax~~below.

•The ~~Delays~~Growth inOpportunity ~~Payment~~Type for certain Index Account Options is designated as “Credit Advantage.” WeYou ~~generally~~will ~~make~~pay ~~payment~~an ofadditional ~~any~~annualized ~~amount~~fee ~~due~~of ~~from~~1.25% ~~the~~if ~~Policy~~you ~~within~~select ~~seven~~an ~~days~~Index ~~from~~Account ~~the~~Option ~~date~~with wea ~~receive~~Credit inAdvantage ~~good~~Growth ~~order~~Opportunity ~~all~~Type ~~required~~for ~~information~~investment. ~~When~~In ~~permitted~~exchange byfor ~~law~~the additional fee, ~~however~~the Growth Opportunity Type will provide more upside potential, based on the upside rates we ~~may~~declare, ~~defer~~than ~~payment~~would be provided if the Growth Opportunity Type were not designated as “Credit Advantage.” There is no guarantee that the increased upside potential of ~~any~~a ~~withdrawal~~Credit orAdvantage ~~Surrender~~Growth ~~proceeds~~Opportunity ~~for~~Type upwill toresult ~~six~~in ~~months~~gains ~~from~~at least equal to the ~~date~~additional wefee ~~receive~~or ~~your~~any ~~request~~gains at all. The additional fee will increase any losses or decrease any gains.

~~INDEX~~We ~~PERFORMANCE~~expect ~~RISK~~to add and remove investment options from time to time. We will always offer the following Index Account Option: S&P 500® Index, 1-Year Crediting Period, Buffer (Buffer Rate: 10%), Cap (Cap Rate: No lower than 2.00%), no Credit Advantage Fee (subject to our right of Index substitution). If we offer a new Index Account Option in the future, we will declare the guaranteed minimum rates associated with that option prior to making it available for investment. With respect to Index Account Options that we may offer in the future:

~~The following~~• ~~risks~~For ~~related~~Policies with applications signed prior to ~~Index~~May ~~performance~~1, ~~apply~~2024, ~~when~~if ~~you~~we ~~invest~~offer ina annew Index Account Option: that includes a Buffer, a Cap, or a Participation Rate, the minimum Buffer Rate will be at least 10%, the minimum Cap Rate will be at least 2%, and the minimum Participation Rate will be no lower than 50%, respectively.

• ~~Negative~~For ~~Index~~Policies ~~Performance~~with ~~Could~~applications ~~Result~~signed inon ~~Loss.~~or ~~The~~after ~~performance~~May of1, ~~any Index may fluctuate~~2024, ~~sometimes~~if ~~rapidly~~we ~~and~~offer ~~unpredictably.~~a ~~Both~~new ~~short-term and sustained negative~~ Index ~~performance,~~Account ~~over~~Option ~~one~~that orincludes ~~multiple~~a ~~Crediting Periods~~Buffer, ~~may~~there ~~cause~~is ~~you~~no topre-specified ~~lose~~minimum ~~principal~~Buffer ~~or previous earnings~~Rate. ~~The~~If ~~historical~~we ~~performance~~offer ofa annew Index ~~does~~Account ~~not~~Option ~~guarantee~~that ~~future~~includes ~~results.~~a ItCap isor ~~impossible~~a toParticipation ~~predict~~Rate, ~~whether~~the anminimum ~~Index~~Cap Rate will ~~perform~~be ~~positively~~at orleast ~~negatively~~2% ~~over~~and the ~~course~~minimum ofParticipation aRate ~~Crediting~~will ~~Period~~be orno ~~multiple~~lower ~~Crediting~~than ~~Periods~~10%, respectively.

• ~~Exposure~~Within toany ~~Investment~~guaranteed ~~Risks.~~limits ~~When~~to ~~you~~which ~~invest~~are ~~in an Index Account Option~~subject, ~~you are indirectly exposed to~~ the ~~investment~~guaranteed ~~risks~~minimum rate(s) associated with ~~the~~an ~~linked~~ Index. ~~When~~Account the Index is a market index, you are indirectly exposed to the investment risks that could cause the stocks or other assets that make-up the Index to decrease in value. When the Index is an ETF, you are indirectly exposed to the investment risks associated with the ETFOption’s ~~investment~~upside ~~objective~~feature and ~~strategies~~, asin ~~well as its market trading risks~~turn, ~~all of which could cause~~ the ~~market~~potential ~~price~~ for ~~the~~investment ~~ETF’s~~gain ~~shares~~could tobe ~~decrease in value~~minimal. ~~The~~Further, ~~Indexes~~while ~~are~~we ~~subject~~will tonot aoffer ~~variety~~any ofIndex ~~investment~~Account ~~risks,~~Options ~~many~~that ofprovide ~~which~~for ~~are~~no ~~complicated~~downside ~~and~~protection, ~~interrelated~~we ~~and all of which~~ may ~~adversely~~offer ~~affect the performance of the~~ Index. ~~If you invest in an Index~~ Account ~~Option~~Options ~~with an Index~~ that ~~exposes~~provide ~~you~~only tominimal ~~higher~~downside ~~investment~~protection. ~~risks,~~The ~~your~~ risk of investment loss ~~may~~could be ~~higher~~significantly ~~depending~~greater onthan the ~~Index~~potential ~~Account~~for ~~Option’s~~investment ~~downside protection~~gain.

~~The~~If ~~specific~~you ~~investment~~are ~~risks~~not ~~associated~~comfortable with the ~~market~~risk ~~indexes~~that ~~and~~the ~~ETFs~~only ~~serving~~Index asAccount ~~Indexes~~Option ~~are~~that ~~discussed~~we ~~under~~may ~~“Investment~~offer ~~Risks~~in ~~for~~the future is the S&P 500® Index, 1-Year Crediting Period, Buffer (Buffer Rate: 10%), Cap (Cap Rate: no lower than 2.00%), no Credit Advantage Fee (subject to our right of Index ~~Market~~substitution), ~~Indexes”~~or ~~and~~the ~~“Investments~~risk ~~Risks~~that ~~for~~we may not offer other Allocation Accounts in the ~~Exchange~~future ~~Traded~~that ~~Funds~~are acceptable to you based on your personal preferences, risk tolerances, or time horizon, this Policy is not appropriate for you. You may Surrender your Policy (~~ETFs~~i.e., take a full withdrawal)” ~~respectively~~if ~~below.~~there are no Allocations Accounts that you wish to select, but the Surrender may be

2119

•Table Point-to-Point Index Change Calculations. We calculate Index Changes by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat even if the Index performed positively for certain time periods between those two specific points in time. This is true even for Index Account Options with Crediting Periods that are multiple years in length.Contents

• subject ~~Dividends~~to ~~Excluded~~surrender ~~From~~charges, ~~Index~~will ~~Values.~~be ~~Index~~based ~~Values~~on doan ~~not~~Interim ~~include~~Value ~~income~~if ~~from~~taken ~~any~~before ~~dividends~~the orend ~~other~~of ~~distributions paid by~~ a ~~market~~Crediting ~~index’s~~Period ~~component~~for ~~companies~~an orIndex byAccount anOption, ~~ETF.~~may ~~The~~be ~~exclusion~~subject ofto ~~dividends~~taxes ~~and~~(including ~~other~~a ~~distributions~~10% ~~from~~federal ~~Index~~penalty tax), ~~Values~~and ~~negatively~~your ~~impacts~~Policy anwill ~~Index’s performance~~terminate.

•The Noavailability ~~Rights~~of inAllocation ~~the~~Accounts ~~Index.~~may ~~When~~vary ~~the~~by ~~Index~~financial isintermediary aor ~~market~~state. ~~index,~~You ~~you~~may ~~are~~obtain ~~not~~information about ~~investing in~~ the ~~Index~~Allocation ~~(which~~Accounts isthat ~~impossible)~~are ~~and~~available ~~you~~through ~~have~~your nofinancial ~~rights~~intermediary ~~with respect to the index, the index provider,~~ or ~~any aspect of the index or any companies whose securities comprise the index. When the Index is an ETF, you are not a shareholder~~ in ~~the~~your ~~ETF~~state ~~and~~by ~~you~~contacting ~~have~~your nofinancial ~~voting,~~professional ~~dividend, liquidation,~~ or ~~other~~our ~~rights~~Administrative ~~that belong to shareholders in the ETF~~Office.

•Selecting ~~Evolving~~Allocation ~~and~~Accounts ~~Uncertain~~For ~~Economic Environment~~Investment. InWhen ~~recent~~you ~~years,~~are purchasing the ~~financial~~Policy, ~~markets~~coming ~~have~~to ~~experienced~~the ~~periods~~end of ~~significant~~a ~~volatility~~Crediting ~~and~~Period, ~~negative~~making ~~returns~~an additional premium payment, ~~contributing~~or coming to the next Allocation Anniversary after you exercise Performance Lock for an ~~uncertain~~Index ~~and~~Account ~~evolving~~Option, ~~economic~~you ~~environment.~~will ~~The~~have ~~performance~~an ofopportunity to select from among the ~~markets~~available Allocation Accounts for investment.

•A ~~has~~complete ~~been~~listing ~~impacted~~of byAllocation ~~several~~Accounts ~~interrelating~~that ~~factors~~are ~~such~~currently ~~as,~~available ~~but~~for ~~not~~investment ~~limited~~can ~~to,~~be ~~the~~found ~~COVID-19~~in ~~pandemic,~~tables ~~geopolitical~~under ~~turmoil,~~AVAILABLE ~~rising~~ALLOCATION ~~inflation,~~ACCOUNTS ~~changes~~later in ~~interest~~this ~~rates,~~prospectus. ~~and~~Those ~~actions~~tables bydo ~~governmental~~not ~~authorities.~~include Itthe iscurrent ~~not~~annual ~~possible~~interest torate ~~predict~~for ~~future~~the ~~performance~~Fixed ofAccount Option, the ~~markets.~~current ~~Depending~~Cap onRates ~~your~~for ~~individual~~the ~~circumstances~~Index Account Options with Cap, ~~you~~or ~~may~~the ~~experience~~current Participation Rates for the Index Account Options with Participation (~~perhaps~~together, ~~significant~~“current upside rates”) ~~negative~~because ~~returns~~we ~~under~~may declare new current upside rates for new Crediting Periods, subject to the ~~Policy~~guaranteed limits set forth in those tables. ~~You~~The ~~should~~current ~~consult~~upside ~~with~~rates adetermine ~~financial~~the ~~professional~~Allocation Accounts’ ~~about~~potential ~~how~~for ~~market~~gain. ~~conditions~~Therefore, ~~may~~it ~~impact~~is ~~your~~important ~~investment~~that ~~decisions~~you ~~under~~obtain and carefully review the ~~Policy~~current upside rates when selecting your Allocation Accounts.

•See ~~Investment~~SELECTING ~~Risks~~ALLOCATION ACCOUNTS FOR INVESTMENT later in this prospectus for ~~the~~detailed ~~Market~~information ~~Indexes~~about how to obtain current upside rates and what to expect when selecting your Allocation Accounts.

~~The~~Summary ~~following~~Explanation ~~Indexes~~of ~~are~~Best ~~market~~Entry. ~~indexes:~~When ~~S&P~~you ~~500®~~invest in any Index Account ~~and~~Option, ~~Fidelity~~we ~~World~~measure ~~Factor~~your ~~Leaders~~Index ~~IndexSM~~rate ~~0.5%~~of ARreturn based on your Initial Index Value. ~~Each~~If there is a market ~~index~~downturn ~~that~~after ~~may~~your ~~serve~~Crediting asPeriod anstarts, ~~Index~~your isgains ~~subject~~could tobe less and your losses could be greater at the ~~following~~end ~~risks:~~of the Crediting Period. Best Entry, on a limited basis, can help reduce this risk through its Initial Index Value reset feature, as described further below.

•Each ~~Market~~Best ~~Risk.~~Entry option ~~Each~~has ~~market~~a ~~index~~Cap ~~could~~and ~~decrease~~Buffer. inWe ~~value~~will ~~over~~calculate ~~short~~your ~~periods~~Index ~~due~~Change tofor ~~short-term~~a ~~market~~Best ~~movements~~Entry ~~and~~option ~~over~~the ~~longer~~same ~~periods~~way ~~during~~as ~~more~~a ~~prolonged~~Basic ~~market~~Index ~~downturns~~Account Option. ~~Negative~~We ~~fluctuations~~will inapply the ~~value~~Cap ofif athe ~~market~~Index ~~index~~Change ~~may~~is bepositive ~~significant~~or ~~and~~zero, ~~unpredictable~~or Buffer if the Index Change is negative. There is only one difference between Best Entry and a Basic Index Account Option:

• ~~Equity~~Under ~~Risk.~~a ~~Each~~Basic ~~market~~Index ~~index~~Account ~~is comprised of equity securities. Equity securities are subject to changes in value~~Option, ~~and~~the ~~their~~Initial ~~values~~Index ~~may~~Value beis ~~more~~always ~~volatile~~the ~~than~~Index ~~those~~Value ofon ~~other asset classes. Equity securities may underperform in comparison to~~ the ~~general~~Crediting ~~financial~~Period ~~markets,~~start ~~a particular financial market, or other asset classes~~date.

• ~~Issuer~~Under ~~Risk.~~a ~~The~~Best ~~performance~~Entry ofoption, ~~each market index depends on~~ the ~~performance~~Initial ofIndex ~~individual~~Value ~~securities~~may ~~that~~automatically ~~make-up~~reset from the ~~index.~~Index ~~Changes~~Value inon the ~~financial~~Crediting ~~condition~~Period orstart ~~credit~~date ~~rating~~to ofa anlower ~~issuer~~Index ofValue ~~those~~that ~~securities~~occurred ~~may~~after ~~cause~~ the ~~value~~Crediting ofPeriod ~~the securities to decline~~began.

•Best ~~Large-Cap~~Entry’s ~~Risk.~~Initial ~~Large-capitalization~~Index ~~companies~~Value ~~may~~reset feature beis ~~less~~based ~~able~~on ~~than~~the ~~smaller~~following ~~capitalization~~four ~~companies~~design toelements: ~~adapt~~(i) a tomonthly ~~changing~~Observation ~~market~~Frequency; ~~conditions.~~(ii) either ~~Large-capitalization~~three ~~companies~~or ~~may~~six beObservation ~~more~~Days; ~~mature~~(iii) a ~~and~~Best ~~subject~~Entry toReset ~~more~~Threshold ~~limited~~of ~~growth~~-5%; ~~potential~~and ~~compared~~(iv) a Best ~~with~~Entry ~~smaller~~Reset ~~capitalization~~Maximum ~~companies.~~of ~~During~~either ~~different~~-5% ~~market~~or ~~cycles, the performance of large~~-~~capitalization~~20%. ~~companies~~How ~~has trailed~~ the ~~overall~~Initial ~~performance~~Index ofValue ~~the~~reset ~~broader~~feature ~~securities~~works: ~~markets.~~

22• The Index Value on the first day of the Crediting Period is the starting Initial Index Value.

~~Additional~~• ~~Investment~~The ~~Risks~~Initial ~~Related~~Index toValue ~~the~~may ~~Fidelity~~reset ~~World~~only ~~Factor~~on ~~Leaders~~an ~~IndexSM~~“Observation 0Day.5%” ~~AR.~~Depending Inon ~~addition to~~ the ~~risks~~option ~~identified~~you ~~above~~choose, ~~that~~there ~~apply~~are toonly ~~each~~three ofor ~~the~~six ~~market~~Observation ~~indexes~~Days, ~~that~~and ~~may~~therefore ~~serve~~only asthree anor ~~Index,~~six ~~the~~calendar ~~Fidelity~~days ~~World~~on ~~Factor~~which ~~Leaders~~the ~~IndexSM~~Initial ~~0.5%~~Index ARValue is ~~associated~~eligible ~~with~~to ~~additional investment risks, such as the following:~~ reset.

• ~~Performance~~Each ~~Drag~~Observation ~~Risk.~~Day ~~The~~will ~~daily~~correspond ~~performance~~to ofthe ~~this~~same ~~Index~~calendar day on which the Crediting Period began and is ~~reduced~~determined bybased ~~0.5%~~on ~~annually~~the monthly Observation Frequency. ~~Without~~This ~~this~~means ~~adjustment~~there tois ~~the~~one ~~return,~~month (i) between the ~~performance~~Crediting ofPeriod ~~this~~start ~~Index~~date ~~over~~and ~~any~~the ~~one~~first ~~year~~Observation ~~period~~Day ~~would~~and be(ii) ~~approximately~~between ~~0.5%~~Observation ~~higher~~Days. ~~While~~Observation ~~this~~Days ~~performance~~will ~~adjustment~~begin iswith ~~not~~the amonth ~~charge~~immediately ~~under~~following the ~~Policy,~~Crediting itPeriod ~~reduces~~start date. For example: if the ~~performance~~Crediting ofPeriod ~~this~~start ~~Index~~date is January 1, 2022 and ~~therefore~~there ~~may~~are ~~negatively~~six ~~impact~~Observation Days, the ~~performance~~six ofObservation ~~your~~Days ~~Policy~~would ifbe ~~you~~February ~~select~~1, anMarch ~~Index~~1, ~~Account~~April ~~Option~~1, ~~that~~May is1, ~~linked~~June to1, ~~this~~and ~~Index~~July 1, 2022.

•20 Smaller-Cap Risk. Compared to large-capitalization companies, mid- and small-capitalization companies may be less stable and more susceptible to adverse developments. In addition, the securities of mid- and small-capitalization companies may be more volatile and less liquid than those of large-capitalization companies. These risks are generally greater for small-capitalization companies.

•Table Foreign Securities Risk. Investments in the securities of non-U.S. issuers are subject to the risks associated with investing in those non-U.S. markets, such as heightened risks of inflation or nationalization. Investments in non-U.S. companies may lose money due to political, economic, and geographic events affecting issuers of non-U.S. securities or non-U.S. markets, including geopolitical turmoil (such as the Ukraine-Russia conflict). In addition, non-U.S. securities markets may trade a small number of securities and may be unable to respond effectively to changes in trading volume, potentially making prompt liquidation of holdings difficult or impossible at times.Contents

• ~~Currency~~On ~~Risk.~~an ~~The~~Observation ~~value~~Day, of the Initial Index ~~could~~Value ~~decline~~will ifautomatically ~~the~~reset ~~currency~~if ~~of a non-U.S. market depreciates against the U.S. dollar. Currency exchange rates can be very volatile and can change quickly and unpredictably.~~both:

~~• Factor-Based Methodology Risk. The Index is designed to offer exposure to companies that are deemed to have certain characteristics~~ (~~or factors~~i), ~~including:~~The ~~attractive~~value ~~valuations,~~of ~~high quality profiles, lower volatility than~~ the ~~broader~~Index ~~market,~~has ~~and~~decreased ~~positive~~by ~~momentum signals. Also,~~ the ~~non-U.S.~~“Best ~~component~~Entry ofReset ~~the~~Threshold” ~~Index~~(which is ~~designed~~expressed toas ~~offer exposure to non~~-~~U.S.~~5%) ~~companies~~compared ~~with low correlation~~ to the ~~U.S.~~Index ~~equity~~Value ~~market.~~on ~~There~~the isfirst noday ~~guarantee~~of ~~that~~the aCrediting ~~factor-based~~Period; ~~selection methodology will enhance performance or reduce risk.~~and

•(ii) ~~New/Exclusive Index Risk.~~ The Index isValue ~~exclusively~~on ~~licensed~~that toObservation ~~Transamerica~~Day ~~for~~is ~~use~~lower ~~with~~than ~~this Policy. If~~ the ~~exclusive~~current ~~licensing~~Initial ~~agreement is not renewed, the~~ Index ~~may~~Value ~~become~~(taking ~~available~~into ~~through~~account ~~other~~any ~~investment~~prior ~~vehicles~~reset orthat ~~may~~has beoccurred ~~discontinued.~~since ~~The Index does not have a performance history that pre-dates~~ the ~~offering~~beginning of ~~this Policy, and there may be less public information about this Index compared other market indexes like~~ the ~~S&P~~Crediting ~~500® Index~~Period). ~~Inquiries regarding this Index, including requests for daily Index Values, should be directed to our Administrative Office.~~

~~Investments~~For ~~Risks~~example, ~~for~~assume you select a Best Entry option with six Observation Days and the ~~Exchange~~Crediting ~~Traded~~Period ~~Funds~~start date is January 1. Also assume the Initial Index Value on January 1 is 1000. On February 1 (~~ETFs~~the first Observation Day), if the Index Value is 950 or lower (which represents a 5% decrease from the Index Value on the first day of the Crediting Period, i.e., 1000 – (1000 x 0.05) = 950)), the Initial Index Value will automatically reset to the Index Value on February 1, subject to the “Best Entry Reset Minimum Value” discussed below. However, if the Index Value on February 1 is higher than 950, the Initial Index Value would remain at 1000. Continuing this example, assuming the Initial Index Value reset to 950 on February 1, if the Index Value on March 1 (the second Observation Day) is lower than 950, the Initial Index Value would automatically reset to the Index Value on March 1, subject to the Best Entry Reset Minimum Value. If the Index Value on March 1 is 950 or higher, the Initial Index Value would remain at 950. The same analysis would be performed on each of the remaining four Observation Days (April 1, May 1, June 1, and July 1).

~~The~~• ~~following~~In ~~Indexes~~no ~~are~~event ~~ETFs:~~will ~~iShares®~~the ~~Russell~~Initial ~~2000~~Index ~~ETF~~Value ~~and~~be ~~iShares®~~reset ~~U.S.~~to ~~Technology~~a ~~ETF.~~higher ~~Each ETF that may serve as an~~ Index ~~is subject to the following risks:~~ Value.

• ~~Market~~In ~~Risk~~no event will the Initial Index Value reset below a certain Index Value called the “Best Entry Reset Minimum Value.” ~~Each~~The ~~ETF~~Best ~~could~~Entry ~~lose~~Reset ~~money~~Minimum ~~over~~Value ~~short~~is ~~periods~~derived ~~due~~by tomultiplying ~~short-term~~the ~~market~~Index ~~movements~~Value ~~and~~on ~~over~~the ~~longer~~Crediting ~~periods~~Period ~~during~~start ~~more~~date ~~prolonged~~by ~~market~~the ~~downturns~~“Best Entry Reset Maximum,” which is equal to either -5% or -20%. ~~Negative~~No ~~fluctuations~~future inresets are allowed if the ~~value~~Initial ofIndex anValue ~~ETF~~has ~~may~~been bereset ~~significant~~to ~~and~~the ~~unpredictable~~Best Entry Reset Minimum Value.

•For ~~Equity~~example, ~~Risk.~~assume ~~Each~~the ~~ETF~~Crediting ~~primarily~~Period ~~invests~~start indate ~~equity~~is ~~securities~~January 1. ~~Equity~~Also ~~securities~~assume ~~are~~the ~~subject~~Index toValue ~~changes~~on inJanuary ~~value,~~1 is 1000 and ~~their~~the ~~values~~Best ~~may~~Entry Reset Maximum is -20%. The Best Entry Reset Minimum Value would be ~~more~~800 ~~volatile~~(i.e., ~~than~~1000 ~~those~~x of(1 ~~other~~+ ~~asset~~-20%) ~~classes~~= 800). ~~Equity~~The ~~securities~~Initial ~~may~~Index ~~underperform~~Value incould ~~comparison~~never reset below 800. On February 1 (the first Observation Day), assume the Index Value is 750. The Initial Index Value would reset from 1000 to 800, not from 1000 to 750. The Initial Index Value would then remain at 800 for the ~~general~~remainder ~~financial~~of ~~markets~~the Crediting Period. On the remaining Observation Days, athere ~~particular~~would ~~financial~~be ~~market~~no reset, oreven ~~other~~if ~~asset~~the ~~classes~~Index Value is lower than 800.

•Please ~~Issuer~~note, ~~Risk.~~there ~~The~~are ~~performance~~currently oftwo ~~each~~Best ~~ETF~~Entry ~~depends~~options onthat ~~the~~have ~~performance~~a ofBest ~~individual~~Entry ~~securities~~Reset inThreshold and Best Entry Reset Maximum that are both equal to -5%. Under these two options, which are available for no additional charge, the ~~ETF~~Initial ~~invests~~Index Value may reset no more than one time. ~~Changes~~Any insuch ~~the~~reset ~~financial~~will ~~condition~~equal or-5% ~~credit~~(because ~~rating~~the ofreset anthreshold ~~issuer~~and ofreset ~~those~~maximum ~~securities~~are ~~may~~the ~~cause~~same). For the ~~value~~other Best Entry options, multiple resets and aggregate resets of ~~the~~up ~~securities~~to -20% are possible, but those options are subject to ~~decline~~a Credit Advantage Fee.

• ~~Fees~~The ~~and~~Initial ~~Expenses.~~Index ~~Each~~Value, ~~ETF~~as isreset, ~~subject~~if ~~to fees and expenses~~applicable, ~~including~~will ~~management~~be ~~fees~~used ~~and~~to ~~transaction~~calculate ~~costs,~~the ~~that~~Index ~~reduce~~Change at the ~~performance~~end of the ~~ETF~~Crediting Period.

23For example, assume the Index Value on the Crediting Period start date is 1000. Also assume the Initial Index Value reset from 1000 to 945 on an Observation Day and there were no other resets. Based on these assumptions, the Initial Index Value at the end of the Crediting Period would be 945. Accordingly, when calculating the Index Change at the end of the Crediting Period, we would use the reset Initial Index Value of 945 rather than the original Initial Index Value of 1000.

•21 Tracking Error Risk. Each ETF seeks to track the investment results of a specific market index. There is no guarantee that an ETF’s investment results will have a high degree of correlation to the index it seeks to track or that an ETF will achieve its investment objective. Each ETF may be subject to tracking error, which is the divergence of an ETF’s performance from that of the index it seeks to track. This risk may be heightened during times of increased market volatility or other unusual market conditions. Among other reasons, tracking error may result because an ETF incurs fees and expenses while the index does not.

•Table Market Trading Risk. Each ETF faces numerous market trading risks, including the potential lack of an active market for fund shares, losses from trading in secondary markets, periods of high volatility, and disruptions in the creation/redemption process. Any of these factors, among others, may lead to an ETF’s shares trading at a premium or discount to net asset value.Contents

~~Additional~~Assuming ~~Investment~~a ~~Risks~~Final ~~Related~~Index toValue of 1100, the ~~iShares®~~Index ~~Russell~~Change ~~2000~~would ~~ETF~~be +16.4% In(i.e., ~~addition~~(1100/945) to– 1 = +16.4%). If the ~~risks~~original ~~identified~~Initial ~~above~~Index Value of 1000 had applied instead, the Index Change would have been only +10% (i.e., (1100/1000) – 1 = +10%). Please note that ~~apply~~the reset increases gains in this example only if the Cap Rate is higher than 10%. If the Cap Rate is 10% or lower, the Index Credit Rate would be the same regardless of the reset due to ~~each~~the upside limitations of the ~~ETFs~~Cap. ~~that~~Assuming ~~may~~a ~~serve~~Final asIndex anValue of 825, the Index Change would be -12.69% (i.e., (825/945) – 1 = -12.69%). If the original Initial Index Value of 1000 had applied instead, the Index Change would have been -17.5% (i.e., (825/1000) – 1 = -17.5%). In this ~~ETF~~example, isthe ~~subject~~reset decreases losses because the Index Change using the original Index Value (-17.5%) exceeds the Buffer Rate of 10% to ~~additional~~a ~~investment~~greater ~~risks~~extent than the Index Change using the reset Initial Index Value (-12.69%). Hypothetically, ~~such~~ asif the ~~following:~~Index Change using the original Initial Index Value was instead -10% and the Index Change using the reset Initial Index Value was instead -5%, the reset would have no impact on your Index rate of return, because the Index Change in either case would not exceed the Buffer Rate of 10%.

•Some ~~Small-Cap~~Best ~~Risk.~~Entry ~~Compared~~options are subject to ~~mid-~~a ~~and~~Credit ~~large-capitalization~~Advantage ~~companies~~Fee. As a result, ~~small-capitalization~~you ~~companies~~will pay an additional annualized fee of 1.25% if you select a Best Entry option for investment that includes a Credit Advantage Fee. The additional fee will increase any losses or decrease any gains. While Best Entry may behelp ~~less~~you ~~stable~~increase ~~and~~your ~~more~~gains ~~susceptible~~or decrease your losses, it is subject to ~~adverse~~the ~~developments~~same risks associated with Cap and Buffer. You will not participate in any positive Index performance above the Cap Rate, and the Buffer provides only limited downside protection. Your losses could be significant. In addition, on any calendar day that is not an Observation Day, which represent the ~~securities~~overwhelming number of ~~small-capitalization~~days ~~companies~~in ~~may~~a beBest ~~more~~Entry ~~volatile~~option ~~and~~Crediting ~~less~~Period, ~~liquid~~the ~~than~~Initial ~~those~~Index Value will not be eligible for reset, regardless of ~~mid-~~how ~~and~~badly ~~large-capitalization~~the ~~companies~~Index performs.

~~Additional~~For ~~Investment~~additional ~~Risks~~information ~~Related~~and toexamples ~~the iShares® U.S. Technology ETF. In addition to the risks identified above that apply to each~~ of ~~the~~Best ~~ETFs that may serve as an Index~~Entry, ~~this~~see ~~ETF~~AVAILABLE isALLOCATION ~~subject~~ACCOUNTS to– ~~additional~~ENHANCED ~~investment~~INDEX ~~risks,~~ACCOUNT ~~such~~OPTIONS as– ~~the~~Best ~~following:~~Entry.

•PRODUCT ~~Technology~~RISK ~~Company~~FACTORS Risk. Technology companies may have limited product lines, markets, financial resources, or personnel. Technology companies typically face intense competition and potentially rapid product obsolescence. They are also heavily dependent on intellectual property rights and may be adversely affected by the loss or impairment of those rights. Companies in the technology sector are facing increased government and regulatory scrutiny and may be subject to adverse government or regulatory action.

•RISK ~~Large-Cap~~OF ~~Risk.~~LOSS Large-capitalization companies may be less able than smaller capitalization companies to adapt to changing market conditions. Large-capitalization companies may be more mature and subject to more limited growth potential compared with smaller capitalization companies. During different market cycles, the performance of large-capitalization companies has trailed the overall performance of the broader securities markets.

•An ~~Mid-Cap~~investment ~~Risk.~~in this ~~Compared~~Policy tois ~~large-capitalization~~subject ~~companies,~~to ~~mid-capitalization~~the ~~companies~~risk ~~may~~of beloss. ~~less~~You ~~stable~~may ~~and~~lose ~~more~~money, ~~susceptible~~including toyour ~~adverse~~principal ~~developments.~~investment Inand ~~addition,~~previously ~~the~~credited ~~securities~~earnings. ofYour ~~mid-capitalization~~losses ~~companies~~ may be ~~more volatile and less liquid than those of large-capitalization companies~~significant.

~~WITHDRAWAL~~ALLOCATION ~~AND~~ACCOUNT ~~SURRENDER~~AVAILABILITY RISK

~~You~~We ~~should~~reserve ~~fully~~the ~~understand~~right ~~the~~to ~~risks~~add ~~associated~~and ~~with~~remove ~~any~~Allocation ~~withdrawal~~Accounts as available investment options. Allocation Accounts will only be added or ~~Surrender~~removed ~~before~~through ~~you~~an amendment ~~purchase~~to ~~the~~this ~~Policy~~prospectus. ~~and~~We ~~before~~also ~~you~~reserve ~~decide~~the right to ~~take~~make adifferent ~~withdrawal~~Allocation Accounts available for investment in connection with only new premium payments (i.e., initial or additional premium payments) as opposed to at the end of a ~~Surrender~~Crediting Period. ~~You~~There ~~should~~is ~~consult~~no ~~with~~guarantee ~~your~~that ~~financial~~an ~~and~~Allocation ~~tax~~Account ~~professionals~~that ~~before~~you select for investment will always be available to you ~~purchase~~in the ~~Policy~~future or ~~take~~available awith ~~withdrawal~~the orsame ~~Surrender~~current upside rates.

•Our Aonly ~~Surrender~~guarantee regarding the availability of Allocation Accounts is that we will ~~terminate~~always offer at least the ~~Policy~~following ~~and~~Basic ~~all~~Index ~~its~~Account ~~benefits~~Option for investment: S&P 500® Index, ~~including~~1-Year Crediting Period, Buffer (Buffer Rate: 10%), Cap (Cap Rate: No lower than 2.00%), and no Credit Advantage Fee. Please note the ~~death~~Index ~~benefit~~for that Index Account Option remains subject to our right of substitution. See ~~ACCESS~~INDEX TOSUBSTITUTION ~~YOUR~~RISK ~~MONEY~~below.

•If ~~Charges~~we ~~may~~remove an Allocation Account, it will be ~~deducted~~closed ~~when~~such ~~you~~that ~~take~~no anew ~~withdrawal~~premiums, reinvestments, or ~~Surrender,~~transfers ~~including~~will ~~surrender~~be ~~charges~~allowed into that Allocation Account. ~~These~~If you ~~charges~~are currently invested in an Allocation Account and it is removed, you may beremain ~~significant.~~in ~~See~~that ~~FEES~~Allocation ~~AND~~Account ~~CHARGES~~until the end of the Crediting Period.

•22 Any type of withdrawal or a Surrender taken before the end of a Crediting Period for an Index Account Option will be processed based on an Interim Value for that Index Account Option, which may reflect less gain or more loss (perhaps significantly less gain or more loss) than would be applied at the end of the Crediting Period. There could be significantly less money available to you for a withdrawal or Surrender that is processed based on an Interim Value. The application of an Interim Value may result in a loss to an Owner even if the reference Index at the time of withdrawal or Surrender is higher than at the beginning of the Crediting Period. See VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – INTERIM VALUES.

24Table of Contents

•With ~~Any~~respect ~~type~~to ~~of withdrawal taken before the end of a Crediting Period for an~~ Index Account ~~Option~~Options ~~will result in a negative adjustment to your Index Base for~~ that ~~Index~~we ~~Account Option, which~~ may ~~reduce~~offer ~~your~~in ~~gains or contribute to losses at~~ the ~~end~~future: of the Crediting Period and will reduce Interim Values for the remainder of the Crediting Period. A negative adjustment to your Index Base may be greater than the amount withdrawn. See VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – NEGATIVE ADJUSTMENTS TO INDEX BASE.

• ~~Income~~For ~~taxes,~~Policies ~~federal~~with ~~tax~~applications ~~penalties~~signed prior to May 1, ~~and~~2024, ~~certain~~if ~~tax~~we ~~restrictions~~offer ~~may~~a ~~apply~~new toIndex Account Option that includes a ~~withdrawal~~Buffer, a Cap, or ~~Surrender.~~a AParticipation ~~withdrawal~~Rate, orthe ~~Surrender~~minimum ~~may~~Buffer Rate will be ~~taxable,~~at ~~and~~least if10%, ~~taken~~the ~~before~~minimum ~~age~~Cap ~~591⁄2,~~Rate ~~may~~will be ~~subject~~at toleast ~~a 10~~2%, ~~federal~~and ~~penalty~~the ~~tax.~~minimum ~~See~~Participation ~~TAX~~Rate ~~INFORMATION~~will –be ~~Taxation~~no oflower ~~Surrenders~~than ~~and~~50%, ~~Withdrawals~~respectively.

• ~~Any~~For ~~withdrawal~~Policies ~~you~~with ~~take~~applications ~~will~~signed ~~reduce~~on ~~the~~or ~~Policy~~after ~~Value~~May ~~(because~~1, ~~you~~2024, ~~are~~if ~~taking~~we ~~money~~offer ~~out~~a ofnew ~~your~~Index ~~Policy)~~Account ~~and~~Option ~~the~~that ~~amount~~includes ofa ~~the death benefit~~Buffer, ~~including~~there ~~the~~is ~~guaranteed~~no pre-specified minimum ~~death~~Buffer ~~benefit~~Rate. ~~(perhaps~~If ~~significantly)~~we ifoffer ~~the~~a ~~GMDB~~new ~~rider~~Index ~~has~~Account ~~been~~Option ~~elected.~~that ~~The~~includes ~~guaranteed~~a ~~minimum~~Cap ~~death~~or ~~benefit~~a ~~will~~Participation beRate, ~~reduced in~~ the ~~same~~minimum ~~proportion~~Cap ~~that~~Rate awill ~~gross~~be ~~withdrawal~~at ~~reduces~~least ~~your~~2% ~~Policy Value,~~ and ~~this reduction may be more than~~ the ~~dollar~~minimum ~~amount~~Participation ~~withdrawn.~~Rate ~~See~~will ~~POLICY~~be ~~VALUE~~no ~~AND~~lower ~~CASH~~than ~~VALUE~~10%, ~~and DEATH BENEFIT~~respectively.

• IfWithin ~~you~~any ~~are~~guaranteed ~~receiving~~limits ~~investment~~to ~~advice~~which ~~from~~we aare ~~financial professional who charges you investment advisory fees for their services~~subject, ~~you~~the ~~may~~guaranteed beminimum ~~able~~rate(s) toassociated ~~pay~~with ~~investment~~an ~~advisory~~Index ~~fees~~Account ~~directly~~Option’s ~~from~~upside ~~this~~feature ~~Policy~~and, ~~via advisory fee withdrawals. Investment advisory fees are~~ in ~~addition~~turn, tothe ~~and~~potential ~~separate~~for ~~from~~investment ~~the~~gain ~~Policy’s~~could ~~fees~~be ~~and charges~~minimal. ~~Advisory~~Further, ~~fee~~while ~~withdrawals~~we will ~~reduce~~not ~~your~~offer ~~Policy~~any ~~Value~~Index ~~and~~Account ~~will~~Options bethat ~~subject~~provide tofor ~~the~~no ~~same~~downside ~~risks and consequences of withdrawals~~protection, ~~including~~we ~~applicable~~may ~~surrender~~offer ~~charges,~~Index ~~Interim~~Account ~~Value~~Options ~~adjustments,~~that ~~negative~~provide ~~adjustments,~~only ~~and~~minimal ~~taxes~~downside ~~(including~~protection. aThe ~~10%~~risk ~~federal~~of ~~penalty~~investment ~~tax~~loss ifcould ~~taken~~be ~~before~~significantly ~~age~~greater ~~591⁄2)~~than ~~and~~the ~~proportionate~~potential ~~reductions~~for toinvestment ~~the death benefit~~gain.

~~For~~If ~~tax-qualified~~you ~~Policies~~are ~~issued~~not ascomfortable anwith ~~IRA~~the orrisk that the only Index Account Option that we may offer in ~~connection~~the ~~with~~future ~~certain~~is ~~tax-qualified~~the ~~retirement~~S&P ~~plans~~500® Index, ~~there~~1-Year isCrediting noPeriod, ~~maximum~~Buffer ~~limit~~(Buffer onRate: ~~advisory~~10%), ~~fee~~Cap ~~withdrawals.~~(Cap ~~For~~Rate: ~~non-qualified~~no ~~Policies~~lower than 2.00%), ~~advisory~~no ~~fee~~Credit ~~withdrawals~~Advantage ~~are~~Fee (subject to aour ~~maximum~~right ~~limit~~ of Index ~~1.5%~~substitution), ofor the ~~Policy’s~~risk ~~cash~~that ~~value~~we ~~(determined~~may ~~without~~not ~~regard~~offer other Allocation Accounts in the future that are acceptable to ~~any~~you ~~surrender~~based ~~charges)~~on ~~each~~your personal preferences, risk tolerances, or time horizon, this Policy ~~Year~~is not appropriate for you. WeYou ~~will~~may ~~not~~Surrender ~~permit~~your Policy ~~advisory~~(i.e., ~~fee~~take ~~withdrawals~~a full withdrawal) if there are no Allocations Accounts that you wish to select, but the Surrender may be subject to surrender charges, will be based on an Interim Value if taken inbefore ~~excess~~the end of ~~the~~a ~~maximum~~Crediting ~~limit.~~Period Iffor ~~you~~an Index ~~attempt~~Account Option, may be subject to ~~take~~taxes ~~advisory~~(including ~~fee withdrawals~~a in10% ~~excess~~federal ofpenalty ~~the~~tax ~~maximum~~if ~~limit~~taken before age 591/2), weand ~~will~~your ~~notify~~Policy ~~you~~will terminate.

WeLIQUIDITY ~~will~~RISK not report advisory fee withdrawals as taxable distributions to the IRS; therefore, they may not be subject to federal income tax. However, regardless of how Transamerica treats advisory fee withdrawals for tax reporting purposes, federal and/or state taxing authorities could determine that advisory fee withdrawals should be treated as taxable withdrawals from your Policy, in which case the amount of the advisory fees deducted from your Policy could be subject to income tax, and a 10% federal penalty tax could apply if the advisory fee withdrawal was taken before you attained age 591⁄2. You should consult with a tax professional. See ACCESS TO YOUR MONEY – ADVISORY FEE WITHDRAWALS and TAX INFORMATION – Special Rules for Advisory Fee Payments.

•We ~~Automatic~~designed ~~withdrawals under~~ the Policy ~~systematic~~to ~~payout~~be ~~option,~~a ~~minimum~~long-term ~~required~~investment. ~~distributions,~~If ~~and regular advisory fee withdrawals will repeatedly expose~~ you toare ~~the~~not ~~risks~~a ~~and~~long-term ~~consequences of withdrawals~~investor, ~~including~~this ~~applicable~~Policy ~~surrender~~may ~~charges,~~not ~~Interim~~be ~~Value~~appropriate ~~adjustments, negative adjustments, and income taxes and tax penalties and proportionate reductions to the death benefit. See ACCESS TO YOUR MONEY – SYSTEMATIC PAYOUT OPTION~~ for ~~information about the systematic payout option~~you.

~~BUFFER~~• ~~RISK~~Transfer Limitations. The Policy restricts transfers between investment options, which will limit your ability to reallocate your Policy Value in response to changes in market conditions or your personal circumstances. You may transfer Policy Value invested in an Allocation Account only at the end of that Allocation Account’s Crediting Period (or on the next Allocation Anniversary, if you exercised Performance Lock).

~~Buffers~~• doWithdrawal ~~not~~and ~~provide~~Surrender ~~complete protection from loss related to negative Index performance~~Consequences. You ~~assume~~may ~~the~~take ~~risk~~a ~~that~~withdrawal ~~you~~or ~~will~~a ~~incur losses~~Surrender toat ~~the~~any ~~extent~~time ~~that~~during anthe ~~Index~~accumulation ~~Account~~phase; ~~Option’s~~however, ~~Buffer~~there ~~does~~may ~~not~~be ~~protect~~significant ~~you~~risks ~~from~~and negative ~~Index~~consequences ~~performance.~~associated ~~The~~with ~~following~~any ~~table~~such ~~shows~~withdrawal ~~the~~or ~~maximum~~Surrender, including potential ~~loss~~surrender ~~due~~charges, totaxes ~~negative~~and ~~Index~~tax ~~performance~~penalties, atand ~~the~~negative ~~end~~impacts ofto ~~a Crediting Period for each Buffer Rate that we currently offer. Please note~~ the ~~maximum~~value ~~loss at the end~~ of ayour ~~Crediting~~investment. ~~Period~~See ~~could~~WITHDRAWAL beAND ~~greater~~SURRENDER ~~due to fees and charges~~RISK.

25• Interim Values. There may be long periods of time when you cannot perform a transaction under the Policy that is not based on one or more Interim Values. For as long as you have multiple ongoing Crediting Periods for Index Account Options, there may be no time that any such transaction can be performed without the application of at least one Interim Value. See INTERIM VALUE RISK.

Buffer Rate	Maximum Potential Loss Due to NegativeIndex Performance at End of CreditingPeriod (before fees and charges)
10%		90	%
15%		85	%
20%		80	%

•

Taxes. Income taxes and certain tax restrictions may apply to any withdrawal or Surrender. If taken before age 59^1/2, a withdrawal or Surrender may also be subject to a 10% federal penalty tax.

~~The~~• ~~limits~~Delays onin ~~loss~~Payment. ~~are~~We ~~for~~generally ~~the~~make ~~duration~~payment of aany ~~single~~amount ~~Crediting~~due ~~Period.~~from Ifthe ~~you~~Policy ~~invest~~within inseven days from the ~~same~~date ~~Index~~we ~~Account~~receive ~~Option~~in ~~for multiple~~good ~~Crediting~~order ~~Periods,~~all ~~losses~~required ~~over~~information. ~~multiple~~When ~~Crediting~~permitted ~~Periods~~by law, however, we may bedefer ~~larger~~payment ~~than~~of ~~the~~any ~~stated~~withdrawal ~~limit~~or Surrender proceeds for aup ~~single~~to ~~Crediting~~six ~~Period.~~months from the date we receive your request.

~~The~~23 maximum potential loss due to the application of an Interim Value is greater than the maximum potential loss at the end of a Crediting Period. In extreme circumstances, it is possible to lose 100% of your investment in any Index Account Option due to the application of an Interim Value (i.e., a complete loss of your principal and any prior earnings).

InTable general,of depending on applicable rates, an Index Account Option with relatively more downside protection based on its Buffer Rate is likely to have relatively less upside potential based on its Cap Rate or Participation Rate. Conversely, depending on applicable rates, an Index Account Option with relatively less downside protection based on its Buffer Rate is likely to have more upside potential based on its Cap Rate or Participation Rate. Contents

~~For~~INDEX ~~any~~PERFORMANCE ~~new~~RISK ~~Index Account Option that we offer in the future, we will set the rate(s) for its Downside Protection Type in our discretion.~~

~~GROWTH~~The ~~OPPORTUNITY~~following ~~TYPE~~risks ~~RISK~~related to Index performance apply when you invest in an Index Account Option:

~~When~~• ~~you~~Negative ~~invest~~Index inPerformance anCould ~~Index~~Result ~~Account~~in ~~Option,~~Loss. ~~the~~The ~~upside~~performance ~~potential~~ of ~~your~~any ~~investment~~Index may befluctuate, ~~limited~~sometimes byrapidly ~~its~~and ~~Growth~~unpredictably. ~~Opportunity~~Both ~~Type.~~short-term ~~For~~and ~~Cap,~~sustained ~~the~~negative ~~Cap~~Index ~~Rate~~performance, ~~may limit~~over ~~the~~one ~~upside~~or ~~potential~~multiple ofCrediting ~~your~~Periods, ~~investment~~may bycause ~~capping~~you ~~your~~to ~~participation~~lose inprincipal ~~positive~~or ~~Index~~previous ~~performance~~earnings. ~~Likewise,~~The ~~for~~historical ~~Participation,~~performance ~~a Participation Rate~~ of ~~less~~an ~~than~~Index ~~100%~~does ~~will~~not ~~limit~~guarantee ~~the~~future ~~upside~~results. ~~potential~~It ofis ~~your~~impossible ~~investment~~to bypredict ~~limiting~~whether ~~your participation~~an ~~in positive~~ Index ~~performance.~~will Inperform ~~either~~positively ~~case,~~or ~~Index~~negatively ~~Credit~~over ~~Rate~~the ~~used~~course toof ~~calculate~~a ~~gains~~Crediting ~~will~~Period beor ~~lower~~multiple ~~than~~Crediting ~~the Index Change~~Periods.

In• ~~general, depending~~Exposure onto ~~applicable~~Investment ~~rates,~~Risks. When you invest in an Index Account Option, you are indirectly exposed to the investment risks associated with ~~relatively~~the ~~more~~linked ~~upside~~Index. ~~potential~~When ~~based~~the onIndex ~~its~~is ~~Cap~~a ~~Rate~~market index, you are indirectly exposed to the investment risks that could cause the stocks or ~~Participation~~other ~~Rate~~assets that make-up the Index to decrease in value. When the Index is ~~likely~~an ETF, you are indirectly exposed to ~~have~~the ~~relatively~~investment ~~less~~risks ~~downside~~associated ~~protection~~with ~~based~~the onETF’s investment objective and strategies, as well as its ~~Buffer~~market ~~Rate.~~trading ~~Conversely~~risks, ~~depending~~all ~~on applicable~~of ~~rates~~which could cause the market price for the ETF’s shares to decrease in value. The Indexes are subject to a variety of investment risks, many of which are complicated and interrelated and all of which may adversely affect the performance of the Index. If you invest in an Index Account Option with ~~relatively~~an ~~less~~Index ~~upside~~that ~~potential~~exposes ~~based~~you onto ~~its~~higher ~~Cap~~investment ~~Rate~~risks, oryour ~~Participation~~risk ~~Rate~~of isloss ~~likely~~may tobe ~~have~~higher ~~more~~depending ~~downside~~on ~~protection~~the ~~based~~Index onAccount ~~its~~Option’s ~~Buffer~~downside ~~Rate~~protection.

WeThe ~~may~~specific ~~declare~~investment ~~new~~risks ~~Cap~~associated ~~Rates~~with ~~and Participation Rates for~~ the ~~available~~market ~~Index~~indexes ~~Account~~and ~~Options~~ETFs ~~for~~serving ~~new~~as ~~Crediting~~Indexes ~~Periods.~~are Wediscussed ~~set~~under ~~these~~“Investment ~~rates~~Risks infor ~~our~~the ~~discretion,~~Market ~~within~~Indexes” ~~any~~and ~~guaranteed~~“Investments ~~limits~~Risks tofor ~~which we are subject as described in this prospectus. You bear~~ the ~~risk~~Exchange ~~that~~Traded ~~the~~Funds ~~rate~~(sETFs)” werespectively ~~declare for a new Crediting Period will not be any more or less favorable to you than any guaranteed limits to which we are subject~~below.

~~INTERIM~~• ~~VALUE~~Point-to-Point ~~RISK~~Index Change Calculations. We calculate Index Changes by comparing the value of the Index between two specific points in time, which means the performance of the Index may be negative or flat even if the Index performed positively for certain time periods between those two specific points in time. This is true even for Index Account Options with Crediting Periods that are multiple years in length.

On• ~~each~~Dividends ~~Business~~Excluded ~~Day~~From ~~between~~Index ~~the~~Values. ~~first~~Index ~~and~~Values ~~last~~do ~~day~~not ofinclude aincome ~~Crediting~~from ~~Period~~any ~~for~~dividends anor ~~Index~~other ~~Account~~distributions ~~Option,~~paid ~~the~~by ~~value~~a ofmarket ~~your~~index’s ~~investment~~component incompanies ~~that~~or ~~Index Account Option is represented~~ by ~~the~~an ~~Interim Value~~ETF. The ~~Interim~~exclusion ~~Value~~of ondividends aand ~~given~~other ~~Business~~distributions ~~Day determines the amount available~~ from ~~that~~ Index ~~Account~~Values ~~Option~~negatively ~~for~~impacts ~~withdrawals,~~an ~~Surrender,~~Index’s ~~annuitization, the death benefit, Performance Lock and to pay fees and charges~~performance.

~~The~~• ~~Interim~~No ~~Value~~Rights ~~for~~in anthe Index. ~~Account~~When ~~Option~~the ~~will~~Index ~~generally~~is ~~change~~a ~~each~~market ~~Business Day~~index, ~~and~~you are not investing in the ~~change~~Index ~~may~~(which beis ~~positive~~impossible) orand ~~negative~~you ~~compared~~have no rights with respect to the ~~last~~index, ~~Business~~the ~~Day~~index ~~(even~~provider, ~~when~~or ~~the~~any ~~Index~~aspect ~~has~~of ~~increased~~the inindex ~~value).~~or ~~You~~any ~~should~~companies ~~understand~~whose ~~that~~securities comprise the ~~Interim~~index. ~~Value~~When ~~for~~the Index is an ~~Index~~ETF, ~~Account~~you ~~Option~~are onnot a ~~Business~~shareholder ~~Day~~in ~~will~~the ~~not~~ETF ~~impact~~and ~~your~~you ~~investment~~have inno ~~that~~voting, ~~Index~~dividend, ~~Account~~liquidation, ~~Option~~or ~~unless~~other ~~one~~rights ofthat ~~the~~belong ~~following occurs~~to onshareholders ~~that~~in ~~Business~~the ~~Day:~~ ETF.

• AUnavailability ~~fee~~of Index Values. The Company relies on third parties to provide Index Values. In general, Index Values are provided to the Company each Business Day. However, there may be short or ~~charge~~extended periods of time when the Company is ~~deducted~~not ~~from~~provided Index Values for an Index. This may occur for a variety of reasons that are not within the Company’s control, including severe market or operational disruptions. If the Company is not provided with an Index ~~Account~~Value ~~Option;~~on a Business Day, the Index Value for that Business Day will be the most recently provided Index Value. If the Company is later provided an Index Value for a prior Business Day for which the Company was not originally provided an Index Value, the Company will take reasonable steps to recalculate impacted Policy values and transactions.

26• Evolving and Uncertain Economic Environment. In recent years, the financial markets have experienced periods of significant volatility and negative returns, contributing to an uncertain and evolving economic environment. The performance of the markets has been impacted by several interrelating factors such as, but not limited to, the COVID-19 pandemic, geopolitical turmoil, rising inflation, changes in interest rates, and actions by governmental authorities. It is not possible to predict future performance of the markets. Depending on your individual circumstances, you may experience (perhaps significant) negative returns under the Policy. You should consult with a financial professional about how market conditions may impact your investment decisions under the Policy.

•24 An amount is deducted from the Index Account Option as a result of a Surrender or withdrawal (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal);

•Table Theof Policy is annuitized;Contents

•INVESTMENT ~~The~~RISKS ~~death~~FOR ~~benefit~~THE isMARKET ~~paid;~~INDEXES orAND EXCHANGE TRADED FUNDS

•Investment ~~You~~Risks ~~exercise~~for the ~~Performance~~Market ~~Lock~~Indexes ~~feature (that Business Day being the Performance Lock Date).~~

InThe following ~~any~~Indexes ofare ~~those~~market ~~circumstances—including~~indexes: ~~the~~S&P ~~deduction~~500® ~~of a periodic fee or charge—the transaction will be processed based on the Interim Value for that~~ Index, ~~Account~~Fidelity ~~Option~~World onFactor ~~that~~Leaders ~~Business~~IndexSM ~~Day~~0.5% IfAR, ~~you~~and ~~have~~First ~~multiple~~Trust ~~ongoing~~Equity ~~Crediting~~Edge ~~Periods~~IndexTM. ~~for~~Each ~~Index~~market ~~Account~~index ~~Options~~ that ~~end~~may atserve ~~different~~as ~~times, the transactions listed above will be based on~~ an ~~Interim Value for some or all of your~~ Index ~~Account~~is ~~Options.~~subject ~~For~~to ~~as long as you have multiple ongoing Crediting Periods for Index Account Options, there may be no time that any such transaction can be performed without~~ the ~~application~~following ofrisks: ~~at least one Interim Value.~~

~~Interim~~• ~~Values~~Market ~~for an Index Account Option generally reflect less upside potential and less downside protection than would otherwise apply at the end of the Crediting Period~~Risk. AsEach ~~such,~~market ~~when~~index ~~a transaction is processed based on an Interim Value, the Interim Value~~ could ~~reflect~~decrease ~~less~~in ~~gain~~value orover ~~more~~short ~~loss~~periods ~~(perhaps~~due ~~significantly~~to ~~less~~short-term ~~gain~~market ormovements ~~more loss) than would be applied at the end of the Crediting Period. This means that there could be significantly less money available under your Policy for fees~~ and ~~charges,~~over ~~withdrawals,~~longer aperiods ~~Surrender,~~during ~~annuitization,~~more ~~and~~prolonged ~~the~~market ~~death benefit~~downturns. InNegative ~~extreme~~fluctuations ~~circumstances, it is possible to lose 100% of your investment~~ in ~~any Index Account Option due to~~ the ~~application~~value of ~~an Interim Value (i.e.,~~ a ~~complete~~market ~~loss~~index ofmay ~~your~~be ~~principal~~significant and ~~any prior earnings)~~unpredictable.

We• ~~calculate Interim~~Equity ~~Values~~Risk. byEach ~~using~~market aindex ~~formula~~is ~~that~~comprised ~~looks to changes in the values~~ of ~~certain~~equity ~~financial instruments, including derivative instruments referencing the Index (Option Value) and fixed income instruments (Bond Reference Portfolio Yield)~~securities. ~~This~~Equity ~~formula is~~securities ~~designed~~are subject to ~~produce~~changes ~~an estimated fair value for your investment~~ in ~~the Index Account Option on that Business Day. In general~~value, ~~the lower the Option Value~~ and~~/or~~ ~~Bond~~their ~~Reference~~values ~~Portfolio~~may ~~Yield,~~be ~~the~~more ~~lower~~volatile ~~the~~than ~~Interim~~those ~~Value.~~of ~~Interim~~other ~~Values~~asset ~~are not tied directly to the Index~~classes. ~~The~~Equity ~~application~~securities ~~of an Interim Value~~ may ~~result~~underperform in acomparison ~~loss~~ to ~~an Owner even if~~ the ~~reference~~general ~~Index~~financial atmarkets, ~~the~~a ~~time~~particular offinancial ~~withdrawal~~market, or ~~Surrender or~~ other ~~transaction~~asset ~~listed above is higher than at the beginning of the Crediting Period~~classes.

If• aIssuer ~~premium~~Risk. ~~payment~~The ~~allocated~~performance toof aneach ~~Index~~market ~~Account~~index ~~Option~~depends ison ~~still within its six-year surrender charge period, then in addition to applicable surrender charges,~~ the ~~Interim~~performance ~~Value formula described above includes an adjustment to the impact~~ of ~~fixed~~individual ~~income~~securities ~~markets~~that onmake-up the ~~Interim Value of your investment~~index. InChanges ~~decreasing~~in ~~yield~~the ~~environments, this~~financial ~~adjustment~~condition ~~will~~or ~~serve~~credit torating ~~reduce~~of ~~the~~an ~~Interim~~issuer ~~Value. The impact~~ of ~~the~~those ~~adjustment~~securities onmay ~~Interim~~cause ~~Value is at its greatest on~~ the ~~first~~value ~~day~~ of the ~~surrender~~securities ~~charge period. Please note that a six-year surrender charge period applies~~ to ~~each premium payment, including the initial premium payment and any additional premium payment~~decline.

If• ~~you~~Large-Cap ~~select~~Risk. anLarge-capitalization ~~Index~~companies ~~Account Option~~may ~~subject~~be toless aable ~~Credit~~than ~~Advantage~~smaller ~~Fee,~~capitalization ~~your~~companies ~~Interim~~to ~~Values~~adapt ~~will also reflect a dollar for dollar reduction equal~~ to ~~Accrued~~changing ~~Credit~~market ~~Advantage Fees~~conditions. ~~The~~Large-capitalization ~~daily~~companies ~~accrual~~may ofbe ~~Accrued~~more ~~Credit~~mature ~~Advantage~~and ~~Fees~~subject ~~does~~to ~~not~~more ~~impact~~limited ~~your~~growth ~~Index~~potential ~~Base.~~compared ~~However, Accrued~~with ~~Credit~~smaller ~~Advantage~~capitalization ~~Fees~~companies. ~~will~~During ~~reduce~~different ~~Interim~~market ~~Value and~~cycles, ~~in turn,~~ the ~~amount~~performance ~~available~~of inlarge-capitalization ~~the~~companies ~~Index~~has ~~Account~~trailed ~~for~~the ~~withdrawals,~~overall ~~Surrender,~~performance ~~annuitization,~~of ~~and~~ the ~~death~~broader ~~benefit~~securities ~~and to pay fees and charges~~markets.

~~See~~Additional ~~VALUING~~Investment ~~YOUR~~Risks ~~INVESTMENT~~Related INto ANthe ~~INDEX~~Fidelity ~~ACCOUNT~~World ~~OPTION~~Factor –Leaders ~~INTERIM~~IndexSM ~~VALUES~~0.5% ~~and~~AR. In ~~APPENDIX~~addition A:to ~~INTERIM~~the ~~VALUE~~risks ~~CALCULATIONS~~identified ~~AND~~above ~~EXAMPLES~~that apply to each of the market indexes that may serve as an Index, the Fidelity World Factor Leaders IndexSM 0.5% AR is associated with additional investment risks, such as the following:

~~NEGATIVE~~• ~~ADJUSTMENT~~Performance TODrag ~~INDEX~~Risk. ~~BASE~~The ~~RISK~~daily performance of this Index is reduced by 0.5% annually. Without this adjustment to the return, the performance of this Index over any one year period would be approximately 0.5% higher. While this performance adjustment is not a charge under the Policy, it reduces the performance of this Index and therefore may negatively impact the performance of your Policy if you select an Index Account Option that is linked to this Index.

On• ~~the~~Smaller-Cap ~~first~~Risk. ~~day~~Compared ofto ~~the~~large-capitalization ~~Crediting Period~~companies, ~~your~~mid- ~~Index~~and ~~Base~~small-capitalization ~~equals~~companies ~~the~~may ~~dollar~~be ~~amount~~less ~~that~~stable ~~you~~and ~~allocated~~more susceptible to ~~that~~adverse ~~Index Account Option~~developments. ~~Your~~In ~~Index Base for that Index Account Option will not change unless a fee or charge is deducted from that Index Account Option~~addition, orthe ifsecurities ~~you take any type~~ of ~~withdrawal~~mid- ~~from~~and ~~that Index Account Option (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge~~small-~~free~~capitalization ~~withdrawal,~~companies ormay ~~any other withdrawal), before the end of the Crediting Period, in which case your Index Base will~~ be ~~subject~~more tovolatile aand ~~negative~~less ~~adjustment~~liquid atthan ~~that~~those ~~time.~~of ~~The~~large-capitalization ~~negative adjustment is a proportionate reduction to your Index Base~~companies. ItThese isrisks ~~derived~~are bygenerally ~~reducing~~greater your Index Base by the same percentage as the percentage reduction to your Interim Value due to the amount of the withdrawal or the fee or charge deducted (which is deducted from the Interim Value on a dollar for ~~dollar~~small-capitalization ~~basis)~~companies.

27• Foreign Securities Risk. Investments in the securities of non-U.S. issuers are subject to the risks associated with investing in those non-U.S. markets, such as heightened risks of inflation or nationalization. Investments in non-U.S. companies may lose money due to political, economic, and geographic events affecting issuers of non-U.S. securities or non-U.S. markets, including geopolitical turmoil. In addition, non-U.S. securities markets may trade a small number of securities and may be unable to respond effectively to changes in trading volume, potentially making prompt liquidation of holdings difficult or impossible at times.

A• ~~negative~~Currency ~~adjustment~~Risk. toThe ~~your~~value ~~Index Base could result in less gain (if any) or more loss at the end~~ of ~~a Crediting Period, perhaps significantly less gain or more loss, because~~ the Index ~~Credit~~could ~~Rate~~decline ~~will~~if ~~be applied to a lower Index Base. All withdrawals taken, and fees and charges deducted, from an Index Account Option before~~ the ~~end~~currency of a ~~Crediting Period will trigger a negative adjustment to your Index Base, even fees and charges that are periodically deducted from your Policy~~non-U.S. Amarket ~~negative~~depreciates ~~adjustment~~against ~~to your Index Base may be greater than~~ the ~~amount~~U.S. ~~withdrawn or the fee or charge deducted~~dollar. ~~A negative~~Currency ~~adjustment~~exchange ~~will~~rates ~~also~~can ~~result~~be invery ~~lower~~volatile ~~Interim~~and ~~Values~~can ~~for~~change ~~the~~quickly ~~remainder~~and ~~of the Crediting Period (because the interim rate of return will be applied to a smaller Index Base)~~unpredictably.

~~Once~~• ~~your~~Factor-Based Methodology Risk. The Index ~~Base~~is ~~for~~designed anto ~~Index~~offer ~~Account~~exposure ~~Option~~to ~~has~~companies ~~been~~that ~~negatively~~are ~~adjusted~~deemed to have certain characteristics (or factors), ~~there~~including: isattractive novaluations, ~~way~~high toquality ~~increase~~profiles, ~~your~~lower ~~Index~~volatility ~~Base~~than ~~for~~the broader market, and positive momentum signals. Also, the ~~remainder~~non-U.S. component of the ~~Crediting Period,~~Index ~~and~~is ~~therefore~~designed noto ~~way~~offer exposure to ~~reverse~~non-U.S. orcompanies ~~offset~~with low correlation to the ~~negative~~U.S. ~~impact~~equity ofmarket. There is no guarantee that a ~~negative~~factor-based ~~adjustment~~selection tomethodology ~~your~~will ~~Index~~enhance ~~Base.~~performance or reduce risk.

~~Negative~~• ~~adjustments~~New/Exclusive ~~will~~Index ~~have long-term,~~Risk. ~~adverse~~The ~~impacts~~Index onis ~~your~~exclusively licensed to Transamerica for use with this Policy. ByIf ~~reducing~~ the ~~potential~~exclusive ~~gains~~licensing ~~under~~agreement ~~your~~is ~~Policy~~not renewed, ~~and~~the ~~potentially~~Index ~~resulting~~may inbecome ~~more~~available ~~loss~~through ~~under~~other ~~your~~investment ~~Policy,~~vehicles ~~negative~~or ~~adjustments~~may ~~will~~be ~~ultimately~~discontinued. ~~reduce~~The ~~the~~Index ~~amount~~does ~~available~~not ~~for~~have ~~withdrawal~~a orperformance ~~Surrender throughout~~history that pre-dates the ~~accumulation~~offering ~~phase~~of this Policy, ~~the~~and ~~amount~~there ~~payable~~may asbe aless ~~death~~public ~~benefit~~information ~~during~~about this Index compared other market indexes like the ~~accumulation~~S&P ~~phase~~500® Index. Inquiries regarding this Index, ~~and~~including ~~the~~requests ~~amount~~for ~~paid~~daily ~~out~~Index ~~during~~Values, ~~the~~should ~~income~~be ~~phase~~directed ~~after~~to ~~annuitization.~~our Administrative Office.

~~See~~25 ~~VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – NEGATIVE ADJUSTMENTS TO INDEX BASE and APPENDIX B: ADDITIONAL EXAMPLES FOR INDEX ACCOUNT OPTIONS.~~

PERFORMANCETable LOCKof RISK Contents

OnAdditional ~~any~~Investment ~~Business~~Risks ~~Day~~Related ~~between~~to the ~~first~~First ~~and~~Trust ~~last~~Equity ~~day~~Edge ofIndexTM. ~~the~~In ~~Crediting~~addition ~~Period~~to ~~for an Index Account Option, you may exercise~~ the ~~Performance~~risks ~~Lock~~identified ~~feature.~~above ~~If you exercise Performance Lock, your Interim Value for~~ that ~~Index~~apply ~~Account~~to ~~Option~~each ~~(less~~of ~~any Remaining Credit Advantage Fees and any other applicable charges) on~~ the ~~Performance~~market ~~Lock~~indexes ~~Date~~that ismay ~~“locked-in”~~serve ~~and transferred~~as toan ~~the Performance Lock Account~~Index, ~~where it will remain until~~ the ~~next~~First ~~Allocation~~Trust ~~Anniversary~~Equity ~~unless~~Edge ~~earlier~~IndexTM ~~withdrawn~~is orassociated ~~annuitized.~~with ~~The~~additional ~~amount~~investment ~~held in the Performance Lock Account will be credited compound interest daily based on the annual interest rate in effect on that day~~risks, ~~and~~such ~~will~~as ~~be reduced on a dollar for dollar basis for any fees, charges, or withdrawals deducted from~~ the ~~Performance~~following: ~~Lock Account.~~

~~The~~• Performance ~~Lock~~Drag ~~feature~~Risk. The daily performance of this Index is ~~subject~~reduced by 0.55% annually. Without this adjustment to the ~~following~~return, ~~risks:~~the performance of this Index over any one year period would be approximately 0.55% higher. While this performance adjustment is not a charge under the Policy, it reduces the performance of this Index and therefore may negatively impact the performance of your Policy if you select an Index Account Option that is linked to this Index.

• IfSmaller-Cap ~~you~~Risk. ~~exercise~~Compared ~~Performance~~to ~~Lock~~large-capitalization companies, ~~you~~mid- ~~will~~and ~~be locking~~small-incapitalization ancompanies ~~Interim~~may ~~Value~~be (less stable and ~~that~~more ~~Interim~~susceptible ~~Value~~to ~~will~~adverse bedevelopments. ~~reduced~~In ~~dollar~~addition, ~~for~~the ~~dollar~~securities byof ~~any~~mid- ~~Remaining~~and ~~Credit~~small-capitalization ~~Advantage~~companies ~~Fees~~may be more volatile and ~~any~~less ~~other~~liquid ~~applicable~~than ~~charges).~~those ~~Interim~~of ~~Values~~large-capitalization ~~may~~companies. beThese ~~unfavorable~~risks toare ~~you.~~generally ~~See~~greater ~~INTERIM~~for ~~VALUE~~small-capitalization ~~RISK~~companies.

• IfFinancial ~~you~~Companies ~~lock-in~~Risk. anThe ~~Interim~~Index ~~Value~~may ~~(less~~have ~~any~~significant ~~Remaining~~exposure ~~Credit~~to ~~Advantage~~securities ~~Fees~~issued ~~and~~by ~~any~~financial ~~other~~companies. ~~applicable~~Financial ~~charges)~~companies, ~~that~~such isas ~~lower~~retail ~~than~~and ~~the~~commercial ~~amount~~banks, ~~you~~insurance ~~invested~~companies inand ~~that~~financial ~~Index~~services ~~Account~~companies, ~~Option~~are onespecially subject to the ~~Crediting~~adverse ~~Period~~effects ~~start~~of ~~date~~economic recession, ~~you~~currency ~~may~~exchange berates, ~~locking-~~extensive government regulation, decreases in athe ~~loss.~~availability Itof iscapital, ~~possible~~volatile ~~that~~interest ~~you~~rates, ~~would~~portfolio ~~have~~concentrations ~~realized~~in ~~less~~geographic ~~loss~~markets, industries or noproducts ~~loss~~(such ifas ~~you~~commercial ~~exercised~~and ~~the~~residential ~~Performance~~real ~~Lock~~estate ~~feature~~loans), atcompetition afrom ~~different~~new ~~time~~entrants orand ~~not~~blurred atdistinctions ~~all~~in their fields of business.

• ~~Amounts~~Underlying ~~held in the Performance Lock Account will not participate in any~~ Index ~~performance~~Methodology ~~(positive or negative)~~Risk. NoThere ~~Index~~can ~~Credit will~~ be ~~applied~~no atassurance that the ~~end~~stock ofselection ~~the~~criteria ~~Crediting~~used ~~Period~~by of the Index’s ~~Account~~underlying ~~Option~~indexes, ~~for~~ which ~~you~~are ~~exercised~~generally ~~Performance~~intended ~~Lock.~~to ~~The~~identify ~~sooner~~companies ~~after~~with ~~the~~strong ~~Crediting~~dividend ~~Period~~characteristics ~~start~~and ~~date~~lower orrisk ~~an Allocation Anniversary that you exercise Performance Lock~~characteristics, ~~the longer you~~ will ~~forego~~enhance ~~participating~~performance inor ~~Index~~reduce ~~performance~~risk. ~~Your~~Even ~~investment~~though ~~will remain in~~ the ~~Performance~~underlying ~~Lock~~indexes’ ~~Account~~selection ~~until~~methodologies ~~the~~seek ~~next~~to ~~Allocation~~identify ~~Anniversary~~companies ~~unless~~with ~~earlier~~strong ~~withdrawn~~dividend orcharacteristics, ~~annuitized.~~neither ~~Depending~~the onIndex ~~when~~performance ~~you~~nor ~~exercise~~any ~~Performance~~underlying ~~Lock,~~index ~~your~~performance ~~investment~~reflects ~~might~~any ~~not~~dividends ~~participate~~or indistributions ~~Index~~paid ~~performance~~by ~~for~~the upcomponent ~~to one year~~companies.

• IfDividends ~~you~~Risk. ~~exercise~~The ~~Performance~~Index’s ~~Lock~~exposure ~~manually,~~to ~~we will lock~~dividend-inpaying ~~the~~securities ~~next~~could ~~calculated~~cause ~~Interim~~the ~~Value~~Index ~~(less~~to ~~any~~underperform ~~Remaining~~similar ~~Credit~~indexes ~~Advantage~~that ~~Fees~~do ~~and~~not ~~any~~consider ~~other~~an ~~applicable~~issuer’s ~~charges)~~track ~~after~~record weof ~~receive~~paying ~~your request in good order~~dividends. ~~You~~Companies ~~won’t~~that ~~know~~issue ~~the locked~~dividend-inpaying ~~Interim~~securities ~~Value~~are innot ~~advance.~~required ~~The~~to ~~locked-in~~continue ~~Interim~~to ~~Value~~pay ~~may~~dividends beon ~~lower~~such orsecurities. ~~higher~~Therefore, ~~than~~there is the ~~Interim~~possibility ~~Value~~ that ~~was~~such ~~last~~companies ~~calculated~~could ~~before~~reduce ~~you~~or ~~submitted~~eliminate ~~your request. When you exercise Performance Lock automatically, you will not know~~ the ~~locked-in~~payment ~~Interim~~of ~~Value~~dividends in ~~advance, but~~ the ~~locked-in~~future, ~~Interim~~which ~~Value~~could ~~(less~~negatively ~~any~~affect ~~Remaining Credit Advantage Fees and any other applicable charges) will be triggered by~~ the ~~target~~Index’s ~~gain that you set in advance~~performance.

• ~~Withdrawals~~New/Exclusive ~~from~~Index Risk. The Index is exclusively licensed to Transamerica for use with this Policy. If the ~~Performance~~exclusive ~~Lock~~licensing ~~Account~~agreement ~~are~~is not ~~subject~~renewed, tothe ~~Interim~~Index ~~Values~~may become available through other investment vehicles or ~~negative~~may ~~adjustments~~be todiscontinued. anThe Index ~~Base,~~does ~~but~~not ~~are~~have ~~subject~~a toperformance history that pre-dates the offering of this Policy, and there may be less public information about this Index compared other ~~risks~~market ~~associated~~indexes ~~with~~like ~~withdrawals~~the orS&P a500® ~~Surrender,~~Index. ~~including~~Inquiries ~~applicable~~regarding ~~surrender~~this ~~charges~~Index, ~~and~~including ~~taxes~~requests ~~and~~for adaily ~~10%~~Index ~~federal~~Values, ~~penalty~~should ~~tax~~be ifdirected ~~made~~to ~~before~~our ~~age~~Administrative ~~591⁄2~~Office.

28Investments Risks for the Exchange Traded Funds (ETFs)

•The Wefollowing ~~will~~Indexes ~~not~~are ~~provide~~ETFs: ~~advice~~iShares® orRussell ~~notify~~2000 ~~you~~ETF ~~regarding~~and ~~whether~~iShares® ~~you should exercise the Performance Lock feature or the optimal time for doing so~~U.S. WeTechnology ~~will not warn you if you exercise the Performance Lock feature at a sub-optimal time~~ETF. WeEach ~~are~~ETF ~~not~~that ~~responsible for any losses related to your decision whether or not to exercise the Performance Lock feature. There~~ may ~~not~~serve beas an ~~optimal~~Index ~~time to exercise the Performance Lock feature during a Crediting Period. It may be better for you if you do not exercise Performance Lock during a Crediting Period. It~~ is ~~impossible~~subject to ~~know~~the ~~with~~following ~~certainty~~risks: ~~whether or not Performance Lock should be exercised.~~

~~See~~• ~~VALUING~~Market ~~YOUR~~Risk. ~~INVESTMENT~~Each INETF ANcould ~~INDEX~~lose ~~ACCOUNT~~money ~~OPTION –~~over ~~PERFORMANCE~~short ~~LOCK~~periods due to short-term market movements and over longer periods during more prolonged market downturns. Negative fluctuations in the value of an ETF may be significant and unpredictable.

~~CREDIT~~• ~~ADVANTAGE~~Equity ~~RISK~~Risk. Each ETF primarily invests in equity securities. Equity securities are subject to changes in value, and their values may be more volatile than those of other asset classes. Equity securities may underperform in comparison to the general financial markets, a particular financial market, or other asset classes.

~~Among~~26 the available Index Account Options, we currently offer certain Index Account Options with Growth Opportunity Types that are designated as “Credit Advantage.” You will pay an additional fee if you select one of these Index Account Options for investment. In exchange for the additional fee, these Index Account Options provide more upside potential, based on the rates we declare for their Growth Opportunity Types, than would be provided if their Growth Opportunity Types were not designated as “Credit Advantage.” There is no guarantee that the increased upside potential of a Credit Advantage Growth Opportunity Type will result in gains at least equal to the additional fee or any gains at all, or that an Index Account Option with a Credit Advantage Growth Opportunity Type will outperform an Index Account Option without a Credit Advantage Growth Opportunity Type. The additional fee will increase your losses or decrease your gains.

SeeTable FEESof AND CHARGES – CREDIT ADVANTAGE FEE. See also VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – NEGATIVE ADJUSTMENTS TO INDEX BASE and INTERIM VALUE. Contents

~~BEST~~• ~~ENTRY~~Issuer ~~INITIAL~~Risk. ~~INDEX~~The ~~VALUE~~performance ~~RESET FEATURE~~of ~~RISK~~each ETF depends on the performance of individual securities in which the ETF invests. Changes in the financial condition or credit rating of an issuer of those securities may cause the value of the securities to decline.

~~Each~~• ~~Best~~Fees ~~Entry~~and ~~option~~Expenses. ~~includes~~Each anETF ~~Initial Index Value reset feature that may increase your gains or decrease your losses, but there~~ is nosubject ~~guarantee~~to ~~that~~fees itand will actually increase your gains or decrease your losses. It is possible that the Initial Index Value will not reset because the contingencies upon which the reset depends may not occur. Under such circumstancesexpenses, ~~the reset~~including ~~feature~~management ~~will~~fees ~~ultimately~~and ~~have~~transaction ~~no impact on your gains or losses. Even if a reset occurs~~costs, ~~the~~that ~~Best~~reduce ~~Entry option is still subject to~~ the ~~same~~performance ~~risks~~of ~~associated with~~ the ~~Cap and the Buffer~~ETF.

~~See~~• ~~AVAILABLE~~Tracking ~~ALLOCATION~~Error ~~ACCOUNTS~~Risk. –Each ~~ENHANCED~~ETF ~~INDEX~~seeks ~~ACCOUNT~~to ~~OPTIONS~~track –the ~~Best~~investment ~~Entry~~results of a specific market index. There is no guarantee that an ETF’s investment results will have a high degree of correlation to the index it seeks to track or that an ETF will achieve its investment objective. Each ETF may be subject to tracking error, which is the divergence of an ETF’s performance from that of the index it seeks to track. This risk may be heightened during times of increased market volatility or other unusual market conditions. Among other reasons, tracking error may result because an ETF incurs fees and expenses while the index does not.

~~DEATH~~• ~~BENEFIT~~Market ~~SELECTION~~Trading ~~RISK~~Risk. Each ETF faces numerous market trading risks, including the potential lack of an active market for fund shares, losses from trading in secondary markets, periods of high volatility, and disruptions in the creation/redemption process. Any of these factors, among others, may lead to an ETF’s shares trading at a premium or discount to net asset value.

~~The~~Additional ~~Policy’s~~Investment ~~death~~Risks ~~benefit~~Related ~~is primarily designed~~ to ~~provide death benefit coverage upon~~ the ~~death~~iShares® ofRussell ~~the~~2000 ~~Annuitant~~ETF. IfIn ~~the~~addition ~~Annuitant~~to ~~and Owner under your Policy will not be~~ the ~~same~~risks ~~person,~~identified ~~and~~above ~~death~~that ~~benefit~~apply ~~coverage on the Owner’s life is more important~~ to ~~you~~each ~~than~~of ~~death benefit coverage on~~ the ~~Annuitant’s~~ETFs ~~life,~~that ~~the~~may ~~optional~~serve ~~GMDB~~as ~~rider is not appropriate for you. Upon death during the accumulation phase of~~ an ~~Owner who is not also the Annuitant~~Index, ~~there~~this ETF is ~~only~~subject ~~one~~to ~~possible~~additional ~~death~~investment ~~benefit amount: the Policy’s cash value (i.e.~~risks, ~~the Policy Value less any applicable surrender charges). If you elected the GMDB rider, the~~ ~~rider’s~~such ~~guaranteed~~as ~~minimum death benefit would not be payable because it only becomes payable upon~~ the ~~death~~following: ~~of the Annuitant. You will have paid an additional fee for an optional feature that provided no financial benefit.~~

~~The~~• ~~GMDB~~Small-Cap ~~rider~~Risk. isCompared ~~designed~~ to ~~provide~~mid- aand ~~minimum~~large-capitalization ~~death benefit~~companies, ~~not~~small-capitalization ~~necessarily~~companies anmay ~~enhanced~~be ~~death~~less ~~benefit.~~stable ~~The~~and ~~guaranteed~~more ~~minimum~~susceptible ~~death~~to ~~benefit~~adverse ~~equals total premium payments reduced proportionately for withdrawals (including automatic withdrawals, advisory fee withdrawals, minimum required distributions, and any other withdrawal)~~developments. ~~Even~~In ~~if you elected the GMDB rider~~addition, ~~upon death during~~ the ~~accumulation phase~~securities of ~~the~~small-capitalization ~~Annuitant,~~companies ifmay ~~the~~be ~~Policy~~more ~~Value~~volatile ~~(i.e.,~~and ~~the~~less ~~total~~liquid ~~value of your investment in the Accounts, with no deduction for any surrender charges) is greater~~ than ~~the~~those ~~guaranteed~~of ~~minimum~~mid- ~~death~~and ~~benefit~~large-capitalization ~~under the GMDB rider, the death benefit will be the Policy Value, same as the standard death benefit~~companies. ~~You will have paid an additional fee for an optional feature that provided no financial benefit.~~

29Additional Investment Risks Related to the iShares® U.S. Technology ETF. In addition to the risks identified above that apply to each of the ETFs that may serve as an Index, this ETF is subject to additional investment risks, such as the following:

~~Surrender~~• ~~charges~~Technology doCompany ~~not~~Risk. ~~apply~~Technology tocompanies ~~payment~~may ofhave ~~the~~limited ~~death~~product ~~benefit~~lines, ~~payable~~markets, ~~upon~~financial ~~the~~resources, ~~death~~or ofpersonnel. ~~the~~Technology ~~Annuitant (where~~companies ~~the~~typically ~~death~~face ~~benefit~~intense iscompetition ~~equal~~and topotentially ~~either~~rapid ~~Policy~~product ~~Value~~obsolescence. ~~or,~~They ifare ~~the~~also ~~GMDB~~heavily ~~rider~~dependent ~~has~~on ~~been~~intellectual ~~elected,~~property ~~the~~rights ~~guaranteed~~and ~~minimum~~may ~~death~~be ~~benefit).~~adversely ~~Surrender~~affected ~~charges~~by dothe ~~apply~~loss toor ~~payment~~impairment of ~~the~~those ~~death~~rights. ~~benefit~~Companies ~~payable~~in ~~upon~~ the ~~death~~technology ofsector anare ~~Owner~~facing ~~who~~increased isgovernment ~~not~~and ~~also~~regulatory ~~the Annuitant~~scrutiny ~~(where~~and ~~the~~may ~~death~~be ~~benefit~~subject ~~is equal~~ to ~~the~~adverse ~~Policy’s~~government ~~cash~~or ~~value).~~regulatory action.

~~See~~• ~~DEATH~~Large-Cap ~~BENEFIT~~Risk. ~~for~~Large-capitalization ~~additional~~companies ~~information,~~may ~~including~~be ~~information on~~less ~~how~~able than smaller capitalization companies to adapt to changing market conditions. Large-capitalization companies may be more mature and subject to more limited growth potential compared with smaller capitalization companies. During different market cycles, the ~~guaranteed~~performance ~~minimum~~of ~~death~~large-capitalization ~~benefit~~companies ~~under~~has trailed the ~~GMDB~~overall ~~rider~~performance isof ~~calculated.~~the broader securities markets.

~~INDEX~~• ~~SUBSTITUTION~~Mid-Cap ~~RISK~~Risk. Compared to large-capitalization companies, mid-capitalization companies may be less stable and more susceptible to adverse developments. In addition, the securities of mid-capitalization companies may be more volatile and less liquid than those of large- capitalization companies.

~~During~~WITHDRAWAL ~~a Crediting Period, if a market index serving as an Index is discontinued or if the calculation of the index is substantially changed by the index~~AND ~~provider,~~SURRENDER orRISK if Index Values should become unavailable for any reason, or if an ETF that is serving as an Index is liquidated or otherwise no longer exists or if its investment objectives, strategies, or risks substantially change, we may substitute the Index with a new Index, once we obtain all necessary regulatory approvals. We will notify you of any such substitution in writing.

IfYou weshould ~~substitute an~~fully ~~Index,~~understand wethe ~~will~~risks ~~select~~associated awith ~~new~~any ~~Index~~withdrawal ~~that~~or weSurrender ~~determine~~before inyou ~~our~~purchase ~~judgment is comparable to~~ the ~~old~~Policy ~~Index. We may look at factors that include, but are not limited to, asset class, index composition, strategy,~~ and ~~index~~before ~~liquidity.~~you ~~You will~~decide ~~have no right~~ to ~~reject~~take ~~the~~a ~~substitution~~withdrawal ofor ~~an Index~~Surrender. ~~The~~You ~~performance~~should ofconsult ~~the~~with ~~new Index may differ significantly from the performance of the old Index. If we substitute the Index for an Index Account Option in which you are invested,~~ your ~~investment in~~financial ~~the Policy is subject to the same terms~~ and ~~conditions~~tax asprofessionals ~~any~~before ~~other~~you ~~investment~~purchase ~~in an Allocation Account under~~ the Policy. ~~For~~or ~~example,~~take ~~you will not be permitted to transfer Policy Value prior to the end of~~ a ~~Crediting~~withdrawal ~~Period~~or ~~if a substitution occurs~~Surrender.

If27 we substitute an Index during a Crediting Period, we will calculate the Index Change using the original Index up until the substitution date. After the substitution date, we will calculate the Index Change using the replacement Index, but with a revised Initial Index Value for the replacement Index. The revised Initial Index Value for the replacement Index will reflect the Index Change for the original Index from the start of the Crediting Period to the substitution date. We will use a similar process if multiple substitutions occur during a Crediting Period. The substitution of an Index will have no impact on the Index Account Option’s Crediting Period, Growth Opportunity Type, Downside Protection Type, or any other features or rates for that Index Account Option other than the Index to which the Index Account Option is linked.

SeeTable VALUINGof YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – INDEX SUBSTITUTIONS. Contents

~~RISK~~• OFThe ~~LOSS~~Policy ~~DURING~~may ~~CANCELLATION~~not ~~PERIOD~~be appropriate for you if you plan to take withdrawals from an Index Account Option before the end of the Crediting Period, especially if you plan to take ongoing withdrawals, such as automatic withdrawals, advisory fee withdrawals, or minimum required distributions. You should consult with a financial professional.

~~You~~• ~~may~~A ~~cancel~~Surrender your Policy after you purchase it, but only if you cancel it within the prescribed period, which is generally 10 days after you receive the Policy (or 30 days for replacement Policies) but could vary by state. The amount refunded will ~~generally~~terminate be the Policy ~~Value~~and onall ~~the~~its ~~date of cancellation~~benefits, ~~plus~~including ~~any fees or charges deducted under~~ the ~~Policy~~death ~~on the date of the cancellation~~benefit. If you invest in an Index Account Option when you purchase the Policy, you will be subject to risk of loss during the right to cancel period because the amount refunded upon cancellation (Policy Value) will be based on an Interim Value. See ~~INTERIM VALUE~~ACCESS ~~RISK~~TO ~~above.~~YOUR ~~State variations may apply to your right to cancel period~~MONEY. ~~See OTHER INFORMATION – State Variations.~~

~~FINANCIAL~~• ~~STRENGTH~~Charges ~~AND~~may ~~CLAIMS-PAYING~~be ~~ABILITY~~deducted when you take a withdrawal or Surrender, including surrender charges. These charges may be significant. See FEES AND CHARGES.

An• ~~investment~~Under in the Policy’s is“surrender ~~subject~~charge-free toamount” ~~the~~feature, ~~risks~~you ~~related~~can towithdraw ~~us,~~a ~~Transamerica~~portion ~~Life~~of ~~Insurance Company.~~your ~~Any~~Policy ~~obligations~~Value ~~(including~~each ~~under~~Policy ~~the~~Year ~~Index~~free ~~Account~~of ~~Options~~surrender charges, ~~the~~subject ~~Fixed~~to ~~Account~~any ~~Option,~~reduction in your surrender charge-free amount for previous withdrawals during the ~~Fixed~~Policy ~~Holding~~Year. ~~Account,~~The ~~and~~surrender charge-free amount each Policy Year is equal to the ~~Performance~~greater ~~Lock~~of ~~Account~~(1), ~~guarantees~~10% of your total premium payments, ~~and~~less ~~benefits~~any ~~under~~withdrawals taken during the current Policy ~~are~~Year; and (2) earnings, plus premiums no longer subject to ~~our~~surrender ~~financial~~charges. ~~strength~~The ~~and claims~~surrender charge-~~paying~~free ~~ability~~amount is determined at the time of withdrawal or Surrender. IfThis weamount ~~experience~~is ~~financial~~not ~~distress~~cumulative, weso ~~may~~any besurrender ~~permitted~~charge-free byamount ~~law~~not toused ~~delay~~in ~~payments~~one toyear ~~you~~does ~~for~~not upincrease tothe ~~six~~surrender ~~months,~~charge-free ~~and~~amount wein ~~ultimately~~subsequent ~~may~~years. ~~not~~If bethe ~~able~~withdrawal toor ~~meet~~Surrender ~~our~~is ~~obligations~~in toexcess of the surrender charge-free amount, you. will have to pay any applicable surrender charge on the excess amount.

30• Any type of withdrawal or a Surrender taken before the end of a Crediting Period for an Index Account Option will be processed based on an Interim Value for that Index Account Option, which may reflect less gain or more loss (perhaps significantly less gain or more loss) than would be applied at the end of the Crediting Period. In extreme circumstances, it is possible to lose 100% of your investment in any Index Account Option due to the application of an Interim Value (i.e., a complete loss of your principal and any prior earnings). There could be significantly less money available to you for a withdrawal or Surrender that is processed based on an Interim Value. The application of an Interim Value may result in a loss to an Owner even if the reference Index at the time of withdrawal or Surrender is higher than at the beginning of the Crediting Period. See VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – INTERIM VALUES.

~~The~~• ~~following~~Any ~~risks~~type ~~relate~~of towithdrawal taken before the ~~Separate~~end ~~Account:~~of ~~(i) amounts~~a ~~under~~Crediting ~~the~~Period ~~Policy~~for ~~are~~an ~~not~~Index ~~held~~Account Option will result in a ~~separate~~ ~~account~~negative ~~registered~~adjustment ~~under~~to ~~Investment~~your ~~Company~~Index ~~Act~~Base offor ~~1940;~~that ~~(ii)~~Index ~~Owners~~Account doOption, ~~not~~which ~~share~~may inreduce ~~the~~your ~~investment~~gains ~~performance~~or ofcontribute ~~assets~~to ~~held~~losses inat the ~~Separate~~end ~~Account;~~of ~~and (iii)~~ the ~~obligations~~Crediting ~~under~~Period ~~this~~and ~~Policy~~will ~~are~~reduce ~~independent~~Interim ofValues for the ~~investment performance~~remainder of the ~~Separate~~Crediting ~~Account~~Period. ~~and~~A ~~are~~negative ~~the~~adjustment ~~obligations~~to ofyour Index Base may be greater than the ~~Company~~amount withdrawn. See VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – NEGATIVE ADJUSTMENTS TO INDEX BASE.

~~More~~• ~~information~~Income ~~about~~taxes, ~~Transamerica~~federal ~~Life~~tax ~~Insurance Company~~penalties, ~~including~~and ~~our financial~~certain ~~strength~~tax ~~ratings,~~restrictions ismay ~~available~~apply byto ~~visiting~~a ~~www.transamerica.com~~withdrawal or ~~calling~~Surrender. ~~toll-free~~A ~~(800)~~withdrawal ~~525-6205.~~or WeSurrender ~~encourage~~may ~~you~~be totaxable, ~~read~~and ~~the~~if ~~information~~taken ~~about~~before ~~Transamerica~~age ~~Life~~591/2, ~~Insurance~~may ~~Company,~~be ~~including~~subject ~~our financial~~to ~~statements,~~a ~~included~~10% infederal ~~COMPANY~~penalty ~~OVERVIEW~~tax. ~~and~~See ~~FINANCIAL~~TAX ~~STATEMENTS~~INFORMATION in– ~~this~~Taxation ~~prospectus.~~of Surrenders and Withdrawals.

~~CYBER~~• ~~SECURITY~~Any withdrawal you take will reduce the Policy Value (because you are taking money out of your Policy) and the amount of the death benefit, including the guaranteed minimum death benefit (perhaps significantly) if the GMDB rider is in effect. The guaranteed minimum death benefit will be reduced in the same proportion that a gross withdrawal reduces your Policy Value, and this reduction may be more than the dollar amount withdrawn. See POLICY VALUE AND ~~BUSINESS CONTINUITY~~CASH ~~RISKS~~VALUE and DEATH BENEFIT.

~~Our~~• ~~operations~~If ~~support~~you ~~complex transactions and~~ are ~~highly~~receiving ~~dependent~~investment onadvice ~~the~~from ~~proper~~a ~~functioning~~financial ofprofessional ~~information~~who ~~technology~~charges ~~and communication~~you ~~systems.~~investment ~~Any~~advisory ~~failure~~fees offor ortheir ~~gap~~services, inyou ~~the~~may ~~systems~~be ~~and~~able ~~processes necessary~~ to ~~support~~pay ~~complex~~investment ~~transactions~~advisory ~~and~~fees ~~avoid~~directly ~~systems~~from ~~failure,~~this ~~fraud,~~Policy ~~information~~via ~~security~~advisory ~~failures,~~fee ~~processing~~withdrawals. ~~errors,~~Investment ~~cyber~~advisory ~~intrusion,~~fees ~~loss~~are ofin ~~data,~~addition ~~and breaches of regulation may lead~~ to aand ~~materially~~separate ~~adverse~~from ~~effect on our administration of~~ the Policy.’s Wefees ~~cannot~~and ~~assure~~charges. ~~you~~Advisory ~~that~~fee ~~interruptions,~~withdrawals ~~failures,~~will orreduce ~~breaches~~your inPolicy ~~security~~Value ~~of these processes~~ and ~~systems~~ will ~~not~~be ~~occur,~~subject orto ifthe ~~they~~same dorisks ~~occur, that they can be timely detected~~ and ~~remediated.~~consequences ~~Also,~~of ~~our business operations may be adversely affected by volatile natural and man-made disasters~~withdrawals, including ~~(but~~applicable ~~not~~surrender ~~limited to) hurricanes~~charges, ~~earthquakes,~~Interim ~~terrorism, civil~~Value ~~unrest~~adjustments, ~~geopolitical~~negative ~~disputes~~adjustments, ~~military action, fires~~ and ~~explosions,~~taxes ~~pandemic~~(including ~~diseases,~~a ~~and~~10% ~~other~~federal ~~catastrophes.~~penalty ~~Such~~tax ~~events~~if ~~may~~taken ~~impact~~before ~~the~~age ~~availability~~591/2) and ~~capacity~~proportionate ofreductions ~~our~~to ~~key personnel and may have a materially adverse effect on our administration of~~ the ~~Policy.~~death benefit.

~~FEES~~For ~~AND~~tax-qualified ~~CHARGES~~Policies issued as an IRA or in connection with certain tax-qualified retirement plans, there is no maximum limit on advisory fee withdrawals. For non-qualified Policies, advisory fee withdrawals are subject to a maximum limit of 1.5% of the Policy’s cash value (determined without regard to any surrender charges) each Policy Year. We will not permit advisory fee withdrawals to be taken in excess of the maximum limit. If you attempt to take advisory fee withdrawals in excess of the maximum limit, we will notify you.

~~There~~28 are fees and charges associated with the Policy that may reduce the return on your investment. Please note that if a fee or charge is deducted from an Index Account Option before the end of a Crediting Period for an Index Account Option (including a periodic fee or charge), the deduction will be from the Interim Value of your investment in that Index Account Option. As discussed, when a transaction is processed based on an Interim Value, the Interim Value could reflect less gain or more loss (perhaps significantly less gain or more loss) than would be applied at the end of the Crediting Period. This means that there could be significantly less money available under your Policy for fees and charges and could cause you to incur significant loss. The deduction would also result in a negative adjustment to your Index Base, which will result in lower Interim Values for the remainder of the Crediting Period and could result in less gain (if any) or more loss at the end of the Crediting Period.

31Table of Contents

~~SURRENDER~~We ~~CHARGES~~will not report advisory fee withdrawals as taxable distributions to the IRS; therefore, they may not be subject to federal income tax. However, regardless of how Transamerica treats advisory fee withdrawals for tax reporting purposes, federal and/or state taxing authorities could determine that advisory fee withdrawals should be treated as taxable withdrawals from your Policy, in which case the amount of the advisory fees deducted from your Policy could be subject to income tax, and a 10% federal penalty tax could apply if the advisory fee withdrawal was taken before you attained age 591/2. You should consult with a tax professional. See ACCESS TO YOUR MONEY – ADVISORY FEE WITHDRAWALS and TAX INFORMATION – Special Rules for Advisory Fee Payments.

~~During~~• Automatic withdrawals under the ~~accumulation~~systematic ~~phase~~payout option, ~~you~~minimum ~~can~~required ~~withdraw~~distributions, ~~part~~and ~~(withdrawal)~~regular oradvisory ~~all~~fee ~~(Surrender)~~withdrawals ofwill ~~your~~repeatedly ~~Policy’s~~expose ~~cash~~you ~~value.~~to ~~Restrictions~~the ~~may~~risks ~~apply~~and toconsequences ~~qualified Policies.~~of ~~When~~withdrawals, ~~you~~including ~~take~~applicable asurrender ~~withdrawal~~charges, orInterim ~~Surrender~~Value adjustments, wenegative ~~may~~adjustments, ~~apply~~and aincome ~~surrender~~taxes ~~charge~~and tax penalties and proportionate reductions to ~~compensate~~the usdeath ~~for~~benefit. ~~start-up~~See ~~expenses~~ACCESS ofTO ~~the~~YOUR ~~Policy~~MONEY ~~relating~~– toSYSTEMATIC ~~sales,~~PAYOUT ~~including~~OPTION ~~commissions~~for toinformation ~~registered~~about ~~representatives and~~the ~~other~~systematic ~~promotional~~payout ~~expenses~~option.

• Surrender charges, ifdo ~~any,~~not apply to ~~each~~payment ~~premium~~of ~~payment,~~the ~~regardless~~death benefit payable upon the death of ~~how~~the Annuitant (where the death benefit is equal to either Policy Value or, if the GMDB rider is ~~allocated~~in ~~among~~effect, the ~~Allocation~~ ~~Accounts~~guaranteed minimum death benefit). ~~The~~Surrender ~~surrender~~charges ~~charge~~do ~~decreases~~apply ~~based~~to onpayment of the ~~number~~death benefit payable upon the death of ~~years~~an ~~since~~Owner who is not also the ~~premium~~Annuitant ~~payment~~(where ~~was~~the ~~made,~~death asbenefit ~~reflected~~is inequal to the ~~table~~Policy’s ~~below~~cash value). See DEATH BENEFIT.

Surrender Charge (as a percentage of premium withdrawn or Surrendered)
Number of Years Since Premium Payment Date		Surrender Charge
Year 0-1		8%
Year 1-2		8%
Year 2-3		7%
Year 3-4		6%
Year 4-5		5%
Year 5-6		4%
Year 6+		0%

BUFFER RISK

~~You~~Buffers ~~can~~do ~~withdraw~~not upprovide tocomplete ~~10%~~protection offrom ~~your~~loss ~~premium~~related ~~payments~~to ~~each~~negative ~~Policy~~Index ~~Year~~performance. ~~free~~You ofassume ~~surrender~~the ~~charges.~~risk ~~This~~that ~~amount~~you iswill ~~referred~~incur losses to as the ~~“surrender~~extent ~~charge-free~~that ~~amount”~~an ~~and~~Index isAccount ~~determined~~Option’s atBuffer ~~the~~does ~~time~~not ofprotect ~~withdrawal~~you orfrom ~~Surrender.~~negative ~~This~~Index ~~amount~~performance. isThe ~~not~~following ~~cumulative,~~table soshows ~~any~~the ~~surrender~~maximum ~~charge-free~~potential ~~amount~~loss ~~not~~due ~~used~~to innegative ~~one~~Index ~~year~~performance ~~does~~at ~~not increase~~ the ~~surrender~~end ~~charge-free~~of ~~amount~~a ~~in subsequent~~Crediting ~~years.~~Period Iffor ~~the~~each Buffer ~~withdrawal~~Rate orthat ~~Surrender~~we iscurrently inoffer. ~~excess~~Please ofnote the ~~surrender~~maximum ~~charge-free~~loss ~~amount,~~at ~~you~~the ~~will~~end ~~have~~of toa ~~pay~~Crediting ~~any~~Period ~~applicable~~could ~~surrender~~be ~~charge~~greater ondue ~~the~~to ~~excess~~fees ~~amount~~and charges.

For example, assume your premium payments total $100,000 and your Policy Value is $106,000 at the beginning of the second Policy Year and you request a withdrawal of $30,000. Since that amount is more than your surrender charge-free amount ($10,000), you would pay a surrender charge of $1,600 on the remaining $20,000 (i.e., 8% x ($30,000 – $10,000) = $1,600). Likewise, assume your Policy Value is $80,000 (total premium payments total $100,000) at the beginning of the second Policy Year and you Surrender your Policy. You would pay a surrender charge of $7,200 (i.e., 8% x ($100,000 – ($100,000 x 10%)) = $7,200).


Buffer Risk	Maximum Potential Loss Due to Negative Index Performance at End of Crediting Period (before fees and charges)
10%		90	%
15%		85	%
20%		80	%

~~For~~The ~~surrender~~limits ~~charge~~on ~~purposes,~~loss ~~earnings~~ are ~~considered~~for ~~to be withdrawn first, then~~ the ~~oldest~~duration ~~premium~~of isa ~~considered~~single toCrediting ~~be withdrawn next~~Period. ~~While~~If ~~there is~~you noinvest ~~surrender~~in ~~charge on~~ the ~~withdrawal~~same ofIndex ~~earnings~~Account orOption ~~premium~~for multiple ~~payments~~Crediting ~~that are no longer subject to surrender charges~~Periods, ~~such~~losses ~~amounts~~over ~~count~~multiple ~~towards~~Crediting ~~your~~Periods ~~surrender~~may ~~charge-free~~be ~~amount~~larger ~~when~~than ~~withdrawn.~~the ~~This~~stated ~~means~~limit ~~that withdrawing such amounts will reduce (possibly to zero) your surrender charge-free amount~~ for a ~~Policy~~single ~~Year~~Crediting Period.

~~Keep~~The inmaximum potential ~~mind~~loss ~~that~~due ~~withdrawals~~to ~~may~~the beapplication ~~taxable~~of ~~and,~~an ifInterim ~~taken~~Value ~~before~~is ~~age 591⁄2~~greater than the maximum potential loss at the end of a Crediting Period. In extreme circumstances, ~~may~~it beis ~~subject~~possible to alose 10100% ~~federal~~of ~~penalty~~your ~~tax.~~investment ~~For~~in ~~tax~~any ~~purposes~~Index Account Option due to the application of an Interim Value (i.e., ~~withdrawals~~a ~~from~~complete ~~non-qualified~~loss ~~Policies~~of ~~are~~your ~~considered to~~principal ~~come~~and ~~from~~any ~~taxable~~prior earnings ~~first~~).

~~See~~In ~~ACCESS~~general, TOdepending ~~YOUR~~on ~~MONEY~~applicable –rates, ~~SURRENDER~~an Index ~~CHARGE~~Account ~~WAIVERS~~Option ~~for~~with ~~information~~relatively ~~about~~more ~~the~~downside ~~Policy’s~~protection ~~surrender charge~~based ~~waivers~~on its Buffer Rate is likely to have relatively less upside potential based on its Cap Rate or Participation Rate. ~~Please~~Conversely, ~~note~~depending ~~that~~on ~~any~~applicable ~~amounts~~rates, ~~withdrawn~~an ~~pursuant~~Index toAccount aOption with ~~surrender~~relatively ~~charge~~less ~~waiver~~downside ~~will~~protection ~~count~~based ~~against~~on ~~the~~its ~~surrender~~Buffer ~~charge-free~~Rate ~~amount~~is ~~for~~likely ato ~~Policy~~have ~~Year~~more upside potential based on its Cap Rate or Participation Rate.

WeFor ~~may~~any ~~elect~~new toIndex ~~reduce~~Account orOption ~~eliminate~~that ~~the~~we ~~amount~~offer ofin the ~~surrender~~future, ~~charge~~we ~~when~~will set the ~~Policy~~rate(s) isfor ~~sold~~its ~~under~~Downside ~~circumstances~~Protection ~~which~~Type ~~reduce~~in our ~~sales~~discretion, orsubject ~~other~~to ~~expenses,~~any orguaranteed ~~when~~limits ~~required~~to bywhich ~~regulation~~we orare ~~regulatory~~subject ~~authority~~as described in the prospectus.

~~Surrender~~29 charges do not apply to payment of the death benefit payable upon the death of the Annuitant (where the death benefit is equal to either Policy Value or, if the GMDB rider has been elected, the guaranteed minimum death benefit). Surrender charges do apply to payment of the death benefit payable upon the death of an Owner who is not also the Annuitant (where the death benefit is equal to the Policy’s cash value). Surrender charges do not apply upon annuitization.

32Table of Contents

~~MAXIMUM~~GROWTH ~~POTENTIAL~~OPPORTUNITY ~~LOSS~~TYPE ~~DUE~~RISK ~~TO INTERIM VALUE~~

~~Before~~When ~~the~~you ~~end~~invest ofin ~~a Crediting Period for~~ an Index Account Option, ifthe ~~you~~upside ~~take~~potential aof ~~Surrender~~your orinvestment ~~withdrawal,~~may orbe iflimited ~~you~~by ~~exercise~~its ~~the~~Growth ~~Performance~~Opportunity ~~Lock~~Type. ~~feature~~For Cap, ~~or if you annuitize~~ the ~~Policy,~~Cap orRate ifmay limit the ~~Policy’s~~upside ~~death~~potential ~~benefit~~of isyour ~~paid,~~investment orby ifcapping ayour ~~fee~~participation orin ~~charge~~positive isIndex ~~deducted~~performance. ~~from~~Likewise, ~~that~~for ~~Index~~Participation, ~~Account~~a ~~Option,~~Participation ~~the~~Rate ~~transaction~~of ~~will~~less bethan ~~based~~100% onwill limit the ~~Interim~~upside ~~Value~~potential of your investment by limiting your participation in ~~that~~positive Index ~~Account Option~~performance. ~~The application~~In ofeither ancase, ~~Interim~~Index ~~Value~~Credit toRate ~~such~~used ~~transactions~~to ~~could~~calculate ~~result~~gains inwill abe ~~loss~~lower ~~beyond~~than the ~~downside protection for the~~ Index ~~Account Option~~Change. InThe ~~extreme~~risk ~~circumstances,~~of ~~for~~investment ~~any Index Account Option, the total~~ loss could be ~~100%~~significantly ~~(i.e.,~~greater athan ~~complete loss~~the ofpotential ~~your~~for ~~principal~~investment ~~and any prior earnings)~~gain.

~~SERVICE~~In ~~CHARGE~~general, depending on applicable rates, an Index Account Option with relatively more upside potential based on its Cap Rate or Participation Rate is likely to have relatively less downside protection based on its Buffer Rate. Conversely, depending on applicable rates, an Index Account Option with relatively less upside potential based on its Cap Rate or Participation Rate is likely to have more downside protection based on its Buffer Rate.

We ~~will~~may ~~deduct~~declare anew ~~service~~Cap ~~charge~~Rates ~~from~~and ~~your~~Participation ~~Policy~~Rates onfor ~~each Policy Anniversary prior to~~ the ~~Annuity~~available ~~Commencement~~Index ~~Date~~Account ~~and~~Options ~~when~~for ~~you~~new Crediting ~~Surrender the Policy~~Periods. ~~Each~~We ~~time we~~set ~~deduct~~these ~~this~~rates ~~charge,~~in itour ~~will not exceed 2% (as a percentage of your Policy Value~~discretion, ~~before~~within ~~the deduction of~~ any ~~fees~~guaranteed orlimits ~~charges~~to onwhich ~~that~~we ~~date)~~are orsubject aas ~~maximum~~described ofin ~~$50,~~this ~~whichever is less~~prospectus. WeYou ~~reserve~~bear the ~~right~~risk tothat ~~waive~~the ~~this~~rate(s) ~~charge~~we declare for ~~any~~a ~~reason,~~new ~~but~~Crediting ~~we guarantee~~Period ~~that we~~ will ~~waive~~not ~~the~~be ~~charge~~any ifmore ~~your Policy Value,~~ or ifless favorable ~~your~~to ~~total~~you ~~premium~~than ~~payments~~any ~~minus~~guaranteed ~~prior~~limits ~~withdrawals, on that date is at least equal~~ to ~~the~~which ~~minimum~~we ~~amount~~are ~~specified in your Policy~~subject.

~~For~~Some ~~example,~~Best ~~assume~~Entry ~~your~~options ~~Policy~~are ~~Value~~subject isto ~~$100,000~~a onCredit aAdvantage ~~Policy~~Fee ~~Anniversary~~Growth ~~prior~~Opportunity Type. toAs ~~the~~a ~~Annuity~~result, ~~Commencement~~you ~~Date.~~will ~~Because~~pay 2%an ofadditional ~~your~~annualized ~~Policy~~fee ~~Value~~of on1.25% ~~that Policy~~if ~~Anniversary~~you ~~(i.e.,~~select ~~$2,000)~~a isBest ~~more~~Entry ~~than~~option ~~the~~for ~~maximum~~investment ~~service~~that ~~charge~~includes ofa ~~$50,~~Credit ~~the~~Advantage ~~service~~Fee. ~~charge~~The onadditional ~~that~~fee ~~Policy~~will ~~Anniversary~~increase ~~would~~any belosses ~~limited~~or todecrease ~~$50~~any gains.

~~When~~INTERIM ~~assessed,~~VALUE ~~this charge will be allocated among all of your Allocation Accounts and the Performance Lock Account in the same proportion to how your Policy~~RISK Value in those Accounts is allocated at that time and will be deducted on a dollar for dollar basis. This charge will not be deducted from the Fixed Holding Account unless all other Accounts have been exhausted of value.

~~GUARANTEED~~On ~~MINIMUM~~each ~~DEATH~~Business ~~BENEFIT~~Day ~~(GMDB)~~between ~~RIDER~~the ~~FEE~~first and last day of a Crediting Period for an Index Account Option, the value of your investment in that Index Account Option is represented by the Interim Value. The Interim Value on a given Business Day determines the amount available from that Index Account Option for withdrawals, Surrender, annuitization, the death benefit, Performance Lock and to pay fees and charges.

IfThe ~~you~~Interim ~~elect~~Value ~~the~~for ~~optional~~an ~~GMDB~~Index ~~rider,~~Account ~~you~~Option will begenerally ~~subject~~change toeach anBusiness ~~additional~~Day, ~~fee.~~and ~~You~~the change may ~~elect~~be ~~the~~positive ~~GMDB~~or ~~rider~~negative compared ~~only~~to at the ~~time~~last ~~that~~Business ~~you~~Day ~~purchase the Policy~~ (~~under~~even ~~limited~~when ~~circumstances,~~ the ~~GMDB~~Index ~~rider~~has ~~may~~increased bein ~~re-elected after termination~~value). ~~The~~You ~~fee~~should ~~depends~~understand onthat the ~~Annuitant’s~~Interim ~~age~~Value onfor ~~the~~an ~~date~~Index ~~that~~Account ~~you~~Option ~~sign~~on ~~the~~a ~~application~~Business ~~for~~Day ~~the~~will ~~Policy~~not ~~(or,~~impact ~~under limited circumstances, at the time~~ your ~~re-election~~investment ~~request~~in isthat ~~received~~Index inAccount ~~good~~Option ~~order),~~unless asone ~~set~~of ~~forth~~the following inoccurs ~~the~~on ~~following~~that ~~table~~Business Day:

Age of Annuitant	Fee Percentage
0-50		0.05	%
51-70		0.15	%
71-80		0.50	%

•

A fee or charge is deducted from the Index Account Option;

~~The~~• ~~fee~~An ~~percentage~~amount ~~applicable~~is todeducted ~~your~~from ~~rider~~the ~~will~~Index ~~not~~Account ~~change~~Option ~~for~~as ~~the~~a ~~life~~result of ~~your~~a ~~rider.~~Surrender Ifor ~~you re-elect~~withdrawal ~~the~~(including ~~GMDB~~an ~~rider~~automatic withdrawal, ~~the~~advisory ~~re-elected rider will be subject to the annualized~~ fee ~~percentages~~withdrawal, weminimum ~~are~~required ~~offering~~distribution, atsurrender ~~the time of re~~charge-~~election.~~free ~~The~~withdrawal, ~~annualized~~or ~~fee~~any ~~percentage~~other ~~will not exceed 2.00%.~~ withdrawal);

• The ~~fee~~Policy is charged as a percentage of your GMDB Benefit Base, which equals the guaranteed minimum death benefit under the rider (including any increases for additional premium payments and proportionate reductions for withdrawals). annuitized;

~~The~~• additional fee will be calculated and deducted quarterly, on the same day of the month as the rider effective date. If that day does not exist for a given month, the first calendar day of the following month will be used. The ~~quarterly~~death ~~fee~~benefit is ~~calculated~~paid; by multiplying the GMDB Benefit Base by the GMDB rider fee percentage and dividing that amount by four. For example, assume your annualized fee percentage for the GMDB rider is 0.50%, and at the end of a quarterly period prior to the Annuity Commencement Date, your GMDB Benefit base is $100,000. On that date, your GMDB rider fee would be $125 (i.e., $100,000 x 0.50% / 4 = $125). or

33• You exercise the Performance Lock feature (that Business Day being the Performance Lock Date).

~~This~~In any of those circumstances—including the deduction of a periodic fee or charge—the transaction will be ~~deducted~~processed based on the aInterim ~~pro-rated~~Value ~~basis~~for ~~(based~~that onIndex ~~the~~Account ~~number of~~Option ~~days~~on that Business Day. If you have ~~elapsed~~multiple ~~since~~ongoing ~~the~~Crediting Periods for Index Account Options that end ofat different times, the ~~last~~transactions ~~Policy~~listed ~~Quarter)~~above ifwill ~~the~~be ~~rider~~based ison ~~terminated~~an Interim Value for some or all of your Index Account Options. ~~However~~For as long as you have multiple ongoing Crediting Periods for Index Account Options, ~~the~~there ~~pro-rated~~may ~~charge~~be ~~will~~no ~~not~~time that any such transaction can be ~~deducted~~performed ~~upon~~without ~~termination~~the ~~due~~application toof ~~death~~at least one Interim Value.

~~When~~30 assessed, this charge will be allocated among all of your Allocation Accounts and the Performance Lock Account in the same proportion to how your Policy Value in those Accounts is allocated at that time and will be deducted on a dollar for dollar basis. This charge will not be deducted from the Fixed Holding Account unless all other Accounts have been exhausted of value.

SeeTable DEATHof BENEFIT – GUARANTEED MINIMUM DEATH BENEFIT (GMDB) RIDER for information about how the guaranteed minimum death benefit is calculated. Contents

~~CREDIT~~Interim ~~ADVANTAGE~~Values ~~FEE~~for an Index Account Option generally reflect less upside potential and less downside protection than would otherwise apply at the end of the Crediting Period. As such, when a transaction is processed based on an Interim Value, the Interim Value could reflect less gain or more loss (perhaps significantly less gain or more loss) than would be applied at the end of the Crediting Period. This means that there could be significantly less money available under your Policy for fees and charges, withdrawals, a Surrender, annuitization, and the death benefit. In extreme circumstances, it is possible to lose 100% of your investment in any Index Account Option due to the application of an Interim Value (i.e., a complete loss of your principal and any prior earnings).

~~If you~~We ~~invest~~calculate Interim Values by using a formula that looks to changes in anthe ~~Index~~values ~~Account~~of certain financial instruments, including derivative instruments referencing the Index (Option ~~with~~Value) aand ~~Growth~~fixed ~~Opportunity~~income ~~Type~~instruments ~~designated~~(Bond asReference ~~“Credit~~Portfolio ~~Advantage,”~~Yield). ~~you~~This ~~will~~formula ~~pay~~is andesigned ~~additional~~to ~~fee~~produce ~~for~~an ~~the~~estimated ~~increased~~fair ~~upside~~value ~~potential~~for ~~associated~~your ~~with~~investment ~~that~~in the Index Account Option. ~~The~~on ~~fee~~that ~~percentage~~Business ~~is annualized~~Day. In general, ~~which~~the lower ~~generally~~the ~~means~~Option ~~that~~Value ~~even~~and/or ifBond ~~two~~Reference ~~Index~~Portfolio ~~Account~~Yield, ~~Options~~the lower the Interim Value. Interim Values are ~~subject~~not tied directly to the ~~same~~Index. ~~fee~~The ~~percentage~~application ~~but~~of ~~the~~an ~~lengths~~Interim ofValue ~~their~~may ~~Crediting~~result ~~Periods~~in ~~differ,~~a ~~you~~loss ~~will~~to ~~pay~~an ~~more~~Owner even if ~~you~~the ~~select~~reference Index at the time ~~Index~~of ~~Account~~withdrawal ~~Option~~or ~~with~~Surrender or other transaction listed above is higher than at the ~~longer~~beginning of the Crediting Period.

~~The~~If ~~annualized~~a ~~fee~~premium ~~percentage~~payment ~~is the percentage of your Policy Value~~ allocated to ~~that~~an Index Account Option onis ~~the~~still ~~first~~within ~~day~~its ofsix-year ~~the~~surrender ~~Crediting Period.~~charge ~~Each~~period, ~~available~~then ~~Index~~in ~~Account~~addition ~~Option~~to ~~with~~applicable asurrender ~~Credit~~charges, ~~Advantage~~the ~~Growth~~Interim ~~Opportunity~~Value ~~Type~~formula ~~has~~described above includes an ~~annualized~~adjustment ~~fee~~to ~~percentage~~the impact of ~~1.25%.~~fixed ~~The~~income ~~annualized~~markets ~~fee~~on ~~percentage~~the ~~for~~Interim anValue ~~Index~~of ~~Account~~your ~~Option~~investment. ~~with~~In adecreasing ~~Credit~~yield ~~Advantage~~environments, ~~Growth Opportunity Type as shown in~~ this ~~prospectus~~adjustment will ~~not~~serve ~~change~~to ~~for~~reduce the ~~life~~Interim ~~of the Policy~~Value. The ~~dollar~~impact ~~amount~~ of the ~~Credit~~adjustment ~~Advantage~~on ~~Fee~~Interim Value is ~~calculated~~ at ~~the~~its ~~beginning~~greatest ofon the ~~Crediting Period. The fee amount will equal the dollar amount allocated to the Index Account Option on the~~ first day of the surrender ~~Crediting~~charge ~~Period, multiplied by the Credit Advantage Fee percentage, multiplied by the length of the Crediting Period (in years)~~period. ~~For~~Please ~~example,~~note ~~assume~~that ~~you invest $100,000 in an Index Account Option with~~ a ~~Credit Advantage Cap, a 6~~ six-year ~~Crediting~~surrender ~~Period,~~charge ~~and~~period ~~Credit~~applies ~~Advantage Fee of 1.25% (annualized). Based on these assumptions, you would be subject~~ to aeach ~~total~~premium ~~Credit Advantage Fee of $7~~payment,~~500~~ ~~for~~including ~~that Crediting Period (i.e., ($100,000 x 1.25%) x 6 = $7,500). If~~ the ~~Crediting~~initial ~~Period~~premium ~~were~~payment ~~instead~~and ~~only~~any 1additional ~~year,~~premium ~~you would be subject to a total Credit Advantage Fee of $1,250 (i~~payment.~~e., ($100,000~~ ~~x 1.25%) x 1 = $1,250).~~

~~The~~If ~~Credit~~you ~~Advantage~~select ~~Fee~~an isIndex ~~not~~Account ~~assessed~~Option atsubject ~~the~~to ~~beginning~~a ~~of the Crediting Period. The~~ Credit Advantage Fee ~~is assessed at the end of the Crediting Period or~~, in ~~certain circumstances, before the end of the Crediting Period as explained further below. Before the end of the Crediting Period,~~ your Interim Values will also reflect ~~reductions for Accrued Credit Advantage Fees. Accrued Credit Advantage Fees accrue on~~ a ~~daily~~dollar ~~basis,~~for ~~each day by a~~ dollar ~~amount~~reduction equal to ~~the Remaining Crediting Advantage Fees less the~~ Accrued Credit Advantage Fees~~, divided by the total number of days remaining in the Crediting Period~~. The daily accrual of Accrued Credit Advantage Fees ~~against~~ ~~Interim Value~~ does not impact your Index Base (i.e. However, itAccrued ~~does~~Credit ~~not~~Advantage ~~trigger~~Fees ~~negative~~will ~~adjustments~~reduce toInterim ~~your~~Value ~~Index Base)~~and, ~~but~~in ~~will~~turn, ~~reduce~~ the amount available in the Index Account for withdrawals, Surrender, annuitization, and the death benefit and to pay fees and charges. ~~See VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – NEGATIVE ADJUSTMENTS TO INDEX BASE and INTERIM VALUE for additional information.~~

IfSee ~~you~~VALUING ~~invest~~YOUR inINVESTMENT anIN ~~Index~~AN ~~Account~~INDEX ~~Option~~ACCOUNT ~~subject~~OPTION to– aINTERIM ~~Credit~~VALUES ~~Advantage~~and ~~Fee,~~APPENDIX ~~the~~A: ~~Credit~~INTERIM ~~Advantage~~VALUE ~~Fee~~CALCULATIONS ~~will~~AND beEXAMPLES. ~~assessed as follows:~~

~~(1)~~NEGATIVE IfADJUSTMENT ~~you~~TO doINDEX ~~not~~BASE RISK take a withdrawal or Surrender from the Index Account Option prior to the end of the Crediting Period, and you do not exercise the Performance Lock feature, the full Credit Advantage Fee amount will be deducted from your Index Account Option Value at the end of the Crediting Period on a dollar for dollar basis. The Credit Advantage Fee would be in addition to any other fees or charges assessed at the end of the Crediting Period.

34On the first day of the Crediting Period, your Index Base equals the dollar amount that you allocated to that Index Account Option. Your Index Base for that Index Account Option will not change unless a fee or charge is deducted from that Index Account Option, or if you take any type of withdrawal from that Index Account Option (including an automatic withdrawal, advisory fee withdrawal, minimum required distribution, surrender charge-free withdrawal, or any other withdrawal), before the end of the Crediting Period, in which case your Index Base will be subject to a negative adjustment at that time. The negative adjustment is a proportionate reduction to your Index Base. It is derived by reducing your Index Base by the same percentage as the percentage reduction to your Interim Value due to the amount of the withdrawal or the fee or charge deducted (which is deducted from the Interim Value on a dollar for dollar basis).

~~(2)~~A Ifnegative ~~you~~adjustment ~~take~~to ayour ~~full~~Index ~~withdrawal~~Base ~~from~~could ~~the~~result ~~Index~~in ~~Account~~less ~~Option~~gain or(if aany) ~~Surrender~~or ~~prior~~more toloss at the end of ~~the~~ a Crediting Period, perhaps significantly less gain or more loss, because the ~~Remaining~~Index Credit ~~Advantage~~Rate ~~Fees~~ will be ~~deducted~~applied ~~from~~to ~~the~~a ~~amount~~lower ~~payable~~Index Base. All withdrawals taken, and fees and charges deducted, from ~~that~~an Index Account Option onbefore the end of a ~~dollar~~Crediting Period ~~for~~will ~~dollar~~trigger ~~basis.~~a ~~Please~~negative ~~note~~adjustment to your Index Base, even fees and charges that ~~any~~are ~~Accrued~~periodically ~~Credit~~deducted ~~Advantage~~from ~~Fees~~your ~~would~~Policy. ~~already~~A negative adjustment to your Index Base may be ~~reflected~~greater than the amount withdrawn or the fee or charge deducted. A negative adjustment will also result in ~~your~~lower Interim ~~Value.~~Values ~~The~~for ~~Credit~~the ~~Advantage~~remainder ~~Fee~~of ~~would~~the beCrediting inPeriod ~~addition~~(because tothe ~~any~~interim ~~other~~rate ~~fees~~of orreturn ~~charges~~will ~~applicable~~be applied to ~~the~~a ~~withdrawal~~smaller orIndex ~~Surrender~~Base).

~~(3)~~31 If you take a partial withdrawal from the Index Account Option prior to the end of the Crediting Period, a portion of the Credit Advantage Fee will be assessed. The total deduction from Interim Value will equal (a) + (b) + (c), where:

(a)Table = the amount of the requested withdrawal from the Index Account Option. Contents

~~(b)~~Once =your Index Base for an Index Account Option has been negatively adjusted, there is no way to increase your Index Base for the ~~Credit~~remainder ~~Advantage~~of ~~Fee~~the ~~assessed~~Crediting Period, ~~less~~and ~~Accrued~~therefore ~~Credit~~no ~~Advantage~~way ~~Fees~~to reverse or offset the negative impact of a negative adjustment to your Index Base.

~~Please~~Negative ~~note:~~adjustments will have long-term, adverse impacts on your Policy. By reducing the potential gains under your Policy, and potentially resulting in more loss under your Policy, negative adjustments will ultimately reduce the amount available for withdrawal or Surrender throughout the accumulation phase, the amount payable as a death benefit during the accumulation phase, and the amount paid out during the income phase after annuitization.

•See ~~The~~VALUING ~~Credit~~YOUR ~~Advantage~~INVESTMENT ~~Fee~~IN ~~assessed~~AN ~~will~~INDEX ~~equal:~~ACCOUNT ~~Remaining~~OPTION ~~Credit~~– ~~Advantage~~NEGATIVE ~~Fees~~ADJUSTMENTS xTO ~~(amount~~INDEX ~~withdrawn~~BASE ~~/ Interim Value). Remaining Credit Advantage Fees~~ and ~~Interim~~APPENDIX ~~Value~~B: inADDITIONAL ~~this~~EXAMPLES ~~calculation~~FOR ~~are~~INDEX ~~those~~ACCOUNT ~~values immediately prior to the withdrawal~~OPTIONS.

•PERFORMANCE LOCK IfRISK ~~the Credit Advantage Fee assessed is less than or equal to Accrued Credit Advantage Fees as of the date of the withdrawal, (b) in this formula will equal $0.~~

•On Ifany Business Day between the ~~Credit~~first ~~Advantage~~and ~~Fee~~last ~~assessed~~day isof ~~greater~~the ~~than~~Crediting ~~Accrued~~Period for an Index Account Option, you may exercise the Performance Lock feature. If you exercise Performance Lock, your Interim Value for that Index Account Option (less any Remaining Credit Advantage Fees asand ofany other applicable charges) on the ~~date~~Performance ofLock Date is “locked-in” and transferred to the ~~withdrawal~~Performance Lock Account, ~~(b)~~where it will remain until the next Allocation Anniversary unless earlier withdrawn or annuitized. The amount held in ~~this~~the ~~formula~~Performance Lock Account will ~~equal~~be ~~the~~credited ~~difference~~compound ~~between~~interest daily based on the ~~Credit~~annual ~~Advantage~~interest ~~Fee~~rate ~~assessed~~in effect on that day, and ~~Accrued~~will ~~Credit~~be ~~Advantage~~reduced ~~Fees~~on a dollar for dollar basis for any fees, charges, or withdrawals deducted from the Performance Lock Account.

•The ~~After~~Performance ~~the~~Lock ~~withdrawal,~~feature ~~the~~is ~~next~~subject ~~calculated~~to ~~Interim Value will reflect a reduction in Accrued Credit Advantage Fees. Accrued Credit Advantage Fees will be reduced by~~ the ~~Credit~~following ~~Advantage~~risks: ~~Fee assessed on the withdrawal. Accrued Credit Advantage Fees will not be reduced below $0.~~

• If you exercise Performance Lock, you will be locking-in an Interim Value (c)and =that ~~Any~~Interim ~~other~~Value ~~fees~~will orbe ~~charges~~reduced dollar for dollar by any Remaining Credit Advantage Fees and any other applicable tocharges). ~~the~~Interim ~~withdrawal~~Values may be unfavorable to you. See INTERIM VALUE RISK.

~~(4)~~• If you ~~exercise Performance Lock, the “locked~~lock-in” an Interim Value (~~which~~less ~~will~~any ~~already~~Remaining ~~reflect Accrued~~ Credit Advantage Fees and any other applicable charges) ~~will~~that beis ~~reduced~~lower ~~dollar~~than ~~for~~the ~~dollar~~amount byyou invested in that Index Account Option on the ~~Remaining~~Crediting ~~Credit~~Period ~~Advantage~~start ~~Fees~~date, ~~and~~you ~~any~~may ~~other~~be ~~applicable~~locking-in ~~fees~~a loss. It is possible that you would have realized less loss or ~~charges~~no loss if you exercised the Performance Lock feature at a different time or not at all.

~~(5)~~• IfAmounts aheld ~~death~~in ~~benefit~~the ~~becomes~~Performance ~~payable,~~Lock ~~Remaining~~Account will not participate in any Index performance (positive or negative). No Index Credit ~~Advantage~~will ~~Fees~~be asapplied ofat the ~~date~~end weof ~~receive~~the ~~due~~Crediting ~~proof~~Period of ~~death~~the ~~will~~Index beAccount ~~waived~~Option for which you exercised Performance Lock. IfThe sooner after the ~~death~~Crediting ~~benefit~~Period isstart ~~based~~date onor ~~Interim~~an ~~Value~~Allocation Anniversary that you exercise Performance Lock, ~~any~~the ~~Accrued~~longer ~~Credit~~you ~~Advantage~~will ~~Fees~~forego ~~reflected~~participating in ~~the~~Index ~~Interim~~performance. ~~Value~~Your ~~and~~investment will remain in the Performance Lock Account until the next Allocation Anniversary unless earlier withdrawn or annuitized. Depending on when you exercise Performance Lock, your investment might not beparticipate ~~waived~~in Index performance for up to one year.

In• noIf ~~event~~you exercise Performance Lock manually, we will lock-in the next calculated Interim Value (less any Remaining Credit Advantage ~~Fee~~Fees ~~amount~~and ~~paid~~any ~~for~~other anapplicable ~~Index~~charges) ~~Account~~after ~~Option~~we ~~for~~receive ayour ~~single~~request ~~Crediting~~in ~~Period~~good ~~exceed~~order. You won’t know the ~~total~~locked-in ~~Credit~~Interim ~~Advantage~~Value ~~Fee amount~~in advance. The locked-in Interim Value may be lower or higher than the Interim Value that was last calculated atbefore you submitted your request. When you exercise Performance Lock automatically, you will not know the ~~beginning~~locked-in ofInterim Value in advance, but the ~~Crediting~~locked-in ~~Period.~~Interim Value (less any Remaining Credit Advantage Fees and any other applicable charges) will be triggered by the target gain that you set in advance.

~~SPECIAL~~• ~~SERVICE~~Withdrawals ~~FEES~~from the Performance Lock Account are not subject to Interim Values or negative adjustments to an Index Base, but are subject to the other risks associated with withdrawals or a Surrender, including applicable surrender charges and taxes and a 10% federal penalty tax if made before age 591/2.

• We ~~may~~will ~~deduct~~not aprovide ~~charge~~advice ~~for~~or ~~the~~notify ~~following~~you ~~special~~regarding ~~services:~~whether ~~overnight~~you ~~delivery,~~should ~~duplicate~~exercise ~~policies,~~the ~~non-sufficient checks~~Performance onLock ~~new~~feature ~~business,~~or ~~duplicate~~the ~~Form~~optimal ~~1099~~time ~~and~~for ~~Form~~doing ~~5498~~so. ~~tax~~We ~~forms,~~will ~~check~~not ~~copies,~~warn ~~printing~~you ~~and~~if ~~mailing~~you ~~previously~~exercise ~~submitted~~the ~~forms,~~Performance ~~and~~Lock ~~asset~~feature ~~verification~~at ~~requests~~a ~~from~~sub-optimal ~~mortgage companies~~time. ~~The~~We ~~fees~~are ~~charged~~not responsible for any ~~such~~losses ~~service~~related ~~will~~to ~~vary,~~your ~~but~~decision ~~will~~ whether or not ~~exceed~~to ~~$50~~exercise ~~per~~the ~~service~~Performance Lock feature. WeThere ~~will~~may not ~~deduct~~be ~~the~~an ~~charge~~optimal ~~from~~time ~~your~~to ~~Policy.~~exercise Wethe ~~will~~Performance ~~require~~Lock ~~you~~feature toduring ~~pay~~a byCrediting ~~credit~~Period. ~~card~~It ormay ~~other~~be ~~accepted~~better ~~method~~for ~~when~~you if you ~~request~~do ~~the~~not ~~service.~~exercise IfPerformance ~~the~~Lock ~~service~~during ~~involves~~a ~~the~~Crediting ~~issuance~~Period. ofIt ais ~~check~~impossible to ~~you,~~know wewith ~~may~~certainty ~~allow~~whether ~~you~~or ~~to deduct~~not ~~the~~Performance ~~charge~~Lock ~~from~~should ~~the~~be ~~final check~~exercised.

3532

REDUCEDTable FEESof AND CHARGES Contents

WeSee ~~may,~~VALUING atYOUR ~~our~~INVESTMENT ~~discretion,~~IN ~~reduce~~AN orINDEX ~~eliminate~~ACCOUNT ~~certain~~OPTION ~~fees~~– ~~and~~PERFORMANCE ~~charges for certain Policies (including employer-sponsored savings plans), which may result in decreased costs and expenses~~LOCK.

~~ORDERING~~CREDIT OFADVANTAGE ~~FEES~~RISK ~~AND CHARGES~~

AtAmong the ~~end~~available ofIndex ~~the~~Account ~~Crediting~~Options, ~~Period~~we ~~for~~currently anoffer certain Index Account ~~Option,~~Options ~~fees~~with ~~and~~Growth ~~charges~~Opportunity ~~are~~Types ~~applied~~that ~~after~~are ~~the~~designated ~~Index~~as “Credit Advantage.” ~~Likewise,~~You ~~before~~will ~~the~~pay ~~end~~an additional fee if you select one of athese ~~Crediting Period~~Index Account Options for aninvestment. In exchange for the additional fee, these Index Account ~~Option~~Options provide more upside potential, ~~gains~~based ~~and~~on ~~losses~~the ~~resulting~~rates ~~from~~we ~~Interim~~declare ~~Value~~for ~~adjustments~~their Growth ~~are~~Opportunity ~~applied~~Types, ~~before~~than ~~fees~~would ~~and~~be ~~charges~~provided if their Growth Opportunity Types were not designated as “Credit Advantage.” ~~For~~There is no guarantee that the ~~Fixed~~increased ~~Account~~upside ~~Option,~~potential of a Credit Advantage Growth Opportunity Type will result in gains at least equal to the ~~Performance~~additional ~~Lock~~fee ~~Account~~or any gains at all, or ~~the~~that ~~Fixed~~an ~~Holding~~Index Account, ~~fees~~Option ~~and~~with ~~charges~~a ~~are~~Credit ~~applied~~Advantage Growth Opportunity Type will outperform an Index Account Option without a Credit Advantage Growth Opportunity Type. The ~~after~~additional ~~daily~~fee ~~interest~~will increase your losses or decrease your gains.

IfSee ~~multiple~~FEES ~~fees~~AND orCHARGES ~~charges~~– ~~are~~CREDIT ~~applied~~ADVANTAGE ~~to an Account on the same day, they will be applied in the following order: (1) GMDB~~FEE. ~~rider~~See ~~fee;~~also ~~(2) Credit~~VALUING ~~Advantage~~YOUR ~~Fee~~INVESTMENT ~~when~~IN ~~Performance~~AN ~~Lock~~INDEX isACCOUNT ~~exercised;~~OPTION ~~(3) Credit~~– ~~Advantage~~NEGATIVE ~~Fee~~ADJUSTMENTS atTO ~~the~~INDEX ~~end~~BASE ofand aINTERIM ~~Crediting Period; (4) Credit Advantage Fee when a withdrawal is taken before the end of a Crediting Period; (5) service charge~~VALUE.

~~PREMIUM~~BEST ~~TAXES~~ENTRY INITIAL INDEX VALUE RESET FEATURE RISK

AEach Best ~~deduction~~Entry isoption ~~also~~includes ~~made~~an ~~for~~Initial ~~premium~~Index ~~taxes,~~Value ifreset ~~any,~~feature ~~imposed~~that onmay usincrease byyour agains ~~state,~~or ~~municipality~~decrease your losses, orbut ~~other~~there ~~government~~is ~~agency.~~no Weguarantee that it will, atactually ~~our~~increase ~~discretion,~~your ~~deduct~~gains ~~the tax,~~or ~~currently~~decrease ~~ranging~~your ~~from~~losses. 0%It tois ~~3.5%,~~possible ~~from~~that the ~~Policy~~Initial Index Value ~~when~~will ~~you~~not ~~begin~~reset ~~receiving~~because ~~annuity~~the ~~payments,~~contingencies ~~you~~upon ~~Surrender~~which the ~~Policy,~~reset ordepends ~~death~~may ~~proceeds~~not ~~are paid~~occur. WeUnder ~~may~~such ~~decide~~circumstances, tothe ~~deduct~~reset ~~the~~feature ~~tax~~will atultimately ~~the~~have ~~time~~no ~~that~~impact ~~you~~on ~~make~~your gains or losses. Even if a ~~premium~~reset ~~payment~~occurs, orthe ~~when~~Best ~~due~~Entry tooption is still subject to the ~~applicable~~same ~~taxing~~risks ~~authority~~associated with the Cap and the Buffer.

~~FEDERAL,~~See ~~STATE,~~AVAILABLE ~~AND~~ALLOCATION ~~LOCAL~~ACCOUNTS ~~TAXES~~– ENHANCED INDEX ACCOUNT OPTIONS – Best Entry.

WeDEATH ~~may~~BENEFIT inSELECTION ~~the~~RISK ~~future deduct charges from the Policy for any taxes we incur because of the Policy. However, no deductions are being made at the present time.~~

~~ADVISORY~~When ~~FEES~~purchasing the Policy, you may have to decide whether to elect the GMDB rider for an additional charge. The GMDB rider may be added to your Policy at the time of purchase, provided that the Annuitant is younger than age 81 as of the date that the Policy application is signed.

If• ~~you~~For ~~are receiving~~Policy ~~investment~~applications ~~advice~~signed ~~from~~before aMay ~~financial~~1, ~~professional~~2024, ~~you may be subject to investment advisory fees charged by your financial professional or your financial professional’s firm. Investment advisory fees are in addition to and separate from~~ the ~~Policy’s~~GMDB ~~fees~~rider ~~and~~is ~~charges.~~an Ifoptional ~~investment~~benefit, ~~advisory~~which ~~fees~~if ~~were included in the cost of maintaining the Policy~~elected, ~~your~~is ~~costs~~subject ~~would~~to bean ~~higher.~~additional charge.

~~THE~~• ~~ANNUITY~~For Policy applications signed on or after May 1, 2024, the GMDB rider may be a standard or optional benefit depending on the Annuitant’s age as of the date that the Policy application is signed. If the Annuitant is younger than age 71, the GMDB rider is a standard benefit that is automatically added to your Policy for no additional charge. If the Annuitant is age 71 to 80, the GMDB rider is an optional benefit, which if elected, is subject to an additional charge.

~~This~~If ~~prospectus~~the ~~describes~~GMDB rider ~~information~~is optional and you ~~should~~choose ~~know~~not ~~before~~to ~~you~~elect ~~purchase~~it, the Policy Value / cash value death benefit will apply to your Policy for no additional charge.

AnIf ~~annuity~~you are isconsidering awhether ~~contract~~to ~~between~~elect ~~you (~~the ~~Owner)~~GMDB ~~and~~rider for an ~~insurance~~additional ~~company~~charge, ~~(in~~the ~~this~~rider ~~case,~~will ~~us),~~not ~~where~~be appropriate for you if both (i) the ~~insurance~~Annuitant ~~company~~and ~~promises~~Owner tounder ~~pay~~your ~~you~~Policy anwill ~~income~~not inbe the ~~form~~ ofsame ~~annuity~~person ~~payments.~~and ~~These~~(ii) death ~~payments~~benefit ~~begin~~coverage on athe Owner’s ~~designated~~life ~~date,~~is ~~referred~~more important to asyou ~~the~~than ~~Annuity~~death ~~Commencement~~benefit ~~Date.~~coverage ~~Until~~on the ~~Annuity~~Annuitant’s ~~Commencement~~life. ~~Date,~~The ~~your~~Policy’s ~~annuity~~death benefit is inprimarily ~~the~~designed ~~accumulation~~to ~~phase~~provide ~~and~~death ~~the~~benefit ~~earnings~~coverage ~~(if~~upon ~~any)~~the ~~are~~death ~~generally~~of ~~tax~~the ~~deferred~~Annuitant. ~~Tax~~ ~~deferral~~Upon ~~means~~death ~~you~~during ~~are~~the accumulation ~~not~~phase ~~taxed~~of ~~until~~an ~~you~~Owner ~~take~~who ~~money~~is ~~out~~not ofalso ~~your~~the ~~annuity.~~Annuitant, ~~Once~~there ~~your Policy~~ is ~~annuitized,~~only ~~your~~one ~~annuity~~possible ~~switches~~death ~~to the income phase.~~

We33 currently sell Policies that are “qualified” or “non-qualified” under the Internal Revenue Code. You will get no additional tax advantage from this annuity if you are investing in this annuity through a tax-advantaged retirement plan (such as a 401(k) plan or Individual Retirement Account (“IRA”)). We currently sell Policies to the following plans: Traditional IRAs, Roth IRAs, SIMPLE IRAs, SEP-IRAs, 457(f) plans (in certain circumstances) and Section 401(a) plans (including profit sharing plans, defined benefit pension plans, defined contribution pension plans, 401(k) plans, and combination defined benefit/contribution plans). If you purchase the Policy as an individual retirement annuity or as part of a 403(b) plan, 457 plan, a pension plan, a profit sharing plan (including a 401(k) plan, or certain other employer sponsored programs), your Policy is a qualified Policy. If you purchase the Policy as part of any other arrangement, your Policy is a non-qualified Policy.

TheTable Policyof is a “deferred” annuity. You can use the Policy to accumulate funds for retirement or other long-term financial planning purposes. Your individual investment and your rights are determined primarily by your own Policy. Contents

36 benefit amount: the Policy’s cash value (i.e., the Policy Value less any applicable surrender charges). The rider’s guaranteed minimum death benefit would not be payable because it only becomes payable upon the death of the Annuitant. If you elected the GMDB rider for an additional charge, you will have paid an additional fee for an optional feature that provided no financial benefit.

~~The~~Before ~~Policy~~electing isthe aGMDB ~~“flexible~~rider, ~~premium”~~you ~~annuity~~should ~~because~~consider ~~after~~that ~~you~~each ~~purchase~~time ~~it,~~the ~~you~~GMDB ~~can~~fee ~~generally~~is ~~make additional~~deducted ~~premium~~from ~~payments~~an ~~until~~Index Account Option before the ~~Annuity~~end ~~Commencement~~of ~~Date.~~the ~~Each~~Crediting Period ~~additional~~– ~~premium~~and ~~payment~~the ~~must~~GMDB fee is deducted quarterly – the deduction will be atbased ~~least~~on ~~$50~~Interim ~~unless~~Value aand ~~different~~there ~~minimum~~will isbe ~~stated~~a innegative proportionate reduction to your ~~Policy~~Index Base. ~~You~~As ~~are~~such, ~~not~~the ~~required~~deduction tocould ~~make~~result ~~any~~in ~~additional~~loss, ~~premium~~perhaps ~~payments~~significant and perhaps greater than the amount of the fee.

The ~~Policy~~GMDB rider is ~~“index-linked”~~designed ~~because~~to ~~the~~provide ~~value~~a ofminimum ~~each~~death ~~Index~~benefit, ~~Account~~not ~~Option~~necessarily isan ~~linked~~enhanced todeath ~~the~~benefit. ~~performance~~The guaranteed ofminimum andeath ~~Index.~~benefit Ifequals ~~you~~total ~~invest~~premium inpayments ~~one~~reduced orproportionately ~~more Index~~for ~~Account~~withdrawals ~~Options~~(including automatic withdrawals, ~~the~~advisory ~~amount~~fee ofwithdrawals, ~~money~~minimum required distributions, and any other withdrawal). Even if you ~~are~~elected ~~able~~the GMDB torider, ~~accumulate~~upon ~~under~~death ~~your~~during the accumulation phase of the Annuitant, if the Policy ~~depends~~Value (ati.e., ~~least~~the total value of your investment in ~~part~~the Accounts, with no deduction for any surrender charges) ~~upon~~is greater than the ~~performance~~guaranteed ofminimum ~~your~~death benefit ~~Index~~under ~~Account~~the ~~Options~~GMDB rider, the death benefit will be the Policy Value, same as the alternative Policy Value / cash value death benefit. ~~You~~If ~~could~~you ~~lose~~elected athe ~~significant~~GMDB ~~amount~~rider offor ~~money~~an ~~that~~additional charge, you ~~allocate~~will tohave ~~the~~paid ~~Index~~an additional fee for an optional ~~Account~~feature ~~Options~~that provided no financial benefit.

WeSee doDEATH ~~not~~BENEFIT ~~guarantee~~for ~~that~~additional ~~the~~information, ~~Fixed~~including ~~Account~~information ~~Option~~on ~~will always be available. If~~ how the ~~Fixed~~guaranteed ~~Account~~minimum ~~Option~~death isbenefit ~~available~~under ~~and you invest amounts in~~ the ~~Fixed~~GMDB ~~Account~~rider ~~Option for a Crediting Period, your principal~~ is ~~guaranteed and will earn interest at a guaranteed annual interest rate during that Crediting Period~~calculated. ~~The amount of money you are able to accumulate depends upon the total interest credited.~~

DoINDEX ~~not~~SUBSTITUTION ~~purchase this Policy if you plan to use it for resale, speculation, arbitrage, viatication, or any other type of collective~~RISK ~~investment scheme.~~

~~Your~~During ~~Policy~~a isCrediting ~~not~~Period, ~~intended~~if a market index serving as an Index is discontinued or ~~designed~~if tothe becalculation ~~traded~~of onthe ~~any~~index ~~stock~~is ~~exchange~~substantially changed by the index provider, or ~~secondary~~if ~~market.~~Index ByValues ~~purchasing~~should ~~this~~become ~~Policy~~unavailable for any reason, ~~you represent~~or ~~and~~if ~~warrant~~an ETF that ~~you~~is ~~are~~serving ~~not~~as ~~using~~an ~~the~~Index ~~Policy~~is ~~for~~liquidated ~~resale~~or otherwise no longer exists or if its investment objectives, ~~speculation~~strategies, ~~arbitrage~~or risks substantially change, ~~viatication~~we may substitute the Index with a new Index, oronce ~~any~~we ~~other~~obtain ~~type~~all necessary regulatory approvals. We will notify you of ~~collective~~any ~~investment~~such ~~scheme~~substitution in writing.

~~PURCHASE~~If we substitute an Index, we will select a new Index that we determine in our judgment is comparable to the old Index. We may look at factors that include, but are not limited to, asset class, index composition, strategy, and index liquidity. You will have no right to reject the substitution of an Index. The performance of the new Index may differ significantly from the performance of the old Index. If we substitute the Index for an Index Account Option in which you are invested, your investment in the Policy is subject to the same terms and conditions as any other investment in an Allocation Account under the Policy. For example, you will not be permitted to transfer Policy Value prior to the end of a Crediting Period if a substitution occurs.

If we substitute an Index during a Crediting Period, we will calculate the Index Change using the original Index up until the substitution date. After the substitution date, we will calculate the Index Change using the replacement Index, but with a revised Initial Index Value for the replacement Index. The revised Initial Index Value for the replacement Index will reflect the Index Change for the original Index from the start of the Crediting Period to the substitution date. We will ~~not~~use ~~issue~~a similar process if multiple substitutions occur during a ~~Policy~~Crediting Period. The substitution of an Index will have no impact on the Index Account ~~unless:~~Option’s Crediting Period, Growth Opportunity Type, Downside Protection Type, or any other features or rates for that Index Account Option other than the Index to which the Index Account Option is linked.

•See WeVALUING ~~receive~~YOUR inINVESTMENT ~~good~~IN ~~order~~AN ~~all~~INDEX ~~information~~ACCOUNT ~~needed~~OPTION ~~to issue the Policy. See OTHER INFORMATION~~ – ~~Sending~~INDEX ~~Forms and Transaction Requests in Good Order~~SUBSTITUTIONS.

•RISK WeOF ~~receive~~LOSS inDURING ~~good~~CANCELLATION ~~order~~PERIOD ~~(at our Administrative Office) a minimum initial premium payment (including anticipated premiums from exchanges, transfers, or rollovers as indicated on your application or electronic order form).~~

•You ~~The~~may ~~Annuitant,~~cancel ~~Owner,~~your ~~and~~Policy ~~any~~after ~~joint~~you ~~Owner~~purchase ~~are~~it, ~~younger~~but ~~than~~only ~~age~~if 86you ascancel ofit within the ~~date~~prescribed ~~that~~period, which is generally 10 days after you receive the Policy ~~application~~(or is30 ~~signed~~days for replacement Policies) but could vary by state. The ~~age~~amount ~~limit~~refunded ~~may~~will generally be ~~lower~~the ~~for~~Policy ~~qualified~~Value ~~Policies.~~on the date of cancellation, plus any fees or charges deducted

•34 ~~The Owner and Annuitant have an immediate familial relationship, unless the Owner is the Annuitant or the Owner is not an individual.~~

RightTable to Cancel Period: You may cancel your Policy after you purchase it, but only if you return it within the prescribed period, which is generally 10 days after you receive the Policy (for replacements the right to cancel period is generally 30 days) but could vary by state. The refund will generally be the Policy Value on the date of cancellation (plus any fees or charges deducted under the Policy on the date of the cancellation). If you invest in an Index Account Option when you purchase the Policy, you will be subject to risk of loss during the right to cancel period because the amount refunded upon cancellation (Policy Value) will be based on an Interim Value. Interim Values fluctuate daily, positively or negatively, and may be unfavorable to you. See PRODUCT RISK FACTORS – INTERIM VALUE RISK. Surrender charges do not apply upon cancellation. State law may require us to refund the greater of your Policy Value or your premium payment(s). For IRAs, we will refund your premium payment(s) if cancelled within the first seven days of the right to cancel period. We will pay the refund after we receive in good order at our Administrative Office within the applicable period Written Notice of cancellation and the returned policy. The Policy will then be deemed void. Contents

under the Policy on the date of the cancellation. If you invest in an Index Account Option when you purchase the Policy, you will be subject to risk of loss during the right to cancel period because the amount refunded upon cancellation (Policy Value) will be based on an Interim Value. See INTERIM VALUE RISK above. State variations may apply to your ~~Policy~~right to cancel period. See OTHER INFORMATION – State Variations.

37FINANCIAL STRENGTH AND CLAIMS-PAYING ABILITY

~~Additional~~An ~~fees~~investment ~~will~~in ~~apply under~~ the Policy ifis ~~you~~subject ~~elect~~to the ~~optional~~risks ~~Guaranteed~~related ~~Minimum~~to ~~Death~~us, ~~Benefit (GMDB)~~Transamerica ~~rider~~Life orInsurance anCompany. Any obligations (including under the Index Account Options, the Fixed Account Option, ~~with~~the aFixed ~~Growth~~Holding ~~Opportunity~~Account, ~~Type~~and ~~designated~~the asPerformance ~~“Credit~~Lock ~~Advantage~~Account), guarantees, and benefits under the Policy are subject to our financial strength and claims-paying ability.” ~~The~~If ~~GMDB~~we ~~rider~~experience ~~may~~financial ~~not~~distress, we may be ~~available~~permitted by law to delay payments to you for ~~all~~up ~~Policies~~to six months, inand ~~all~~we ~~states,~~ultimately atmay ~~all~~not ~~times,~~be orable ~~through~~to ~~all~~meet ~~financial~~our ~~intermediaries~~obligations to you.

WeThe ~~reserve~~following risks relate to the ~~right~~Separate toAccount: ~~reject~~(i) amounts ~~any~~under ~~application~~the Policy are not held in a separate account registered under Investment Company Act of 1940; (ii) Owners do not share in the investment performance of assets held in the Separate Account; and (iii) the obligations under this Policy are independent of the investment performance of the Separate Account and are the obligations of the Company.

~~PREMIUM~~More ~~PAYMENTS~~information about Transamerica Life Insurance Company, including our financial strength ratings, is available by visiting www.transamerica.com or calling toll-free (800) 525-6205. We encourage you to read the information about Transamerica Life Insurance Company, including our financial statements, included in COMPANY OVERVIEW and FINANCIAL STATEMENTS in this prospectus.

~~You~~CYBER ~~should~~SECURITY ~~make~~AND ~~checks~~BUSINESS ~~for~~CONTINUITY ~~premium~~RISKS payments payable to Transamerica Life Insurance Company and send them to the Administrative Office. Your check must be honored in order for us to pay any associated annuity payments and benefits due under the Policy.

WeOur dooperations ~~not~~support ~~accept~~complex ~~cash.~~transactions Weand ~~reserve~~are highly dependent on the ~~right~~proper tofunctioning ~~not accept~~of ~~third~~information ~~party~~technology ~~checks.~~and Acommunication ~~third~~systems. ~~party~~Any ~~check~~failure of isor agap ~~check~~in ~~that~~the issystems ~~made~~and ~~payable~~processes necessary to ~~one~~support ~~person~~complex ~~who~~transactions ~~endorses~~and itavoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data, and ~~offers~~breaches itof asregulation ~~payment~~may lead to a ~~second~~materially adverse ~~person.~~effect ~~Checks~~on ~~should~~our ~~normally~~administration beof ~~payable~~the toPolicy. usWe cannot assure you that interruptions, ~~however~~failures, or breaches in ~~some~~security ~~circumstances~~of these processes and systems will not occur, ator ~~our~~if ~~discretion~~they do occur, wethat they can be timely detected and remediated. Also, our business operations may ~~accept~~be ~~third~~adversely ~~party~~affected ~~checks~~by ~~that~~volatile ~~are~~natural ~~from~~and aman-made ~~rollover~~disasters, orincluding ~~transfer~~(but ~~from~~not ~~other~~limited ~~financial~~to) ~~institutions~~hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes. ~~Any~~Such ~~third~~events ~~party~~may ~~checks~~impact ~~not~~the ~~accepted~~availability byand uscapacity ~~will~~of beour ~~returned~~key personnel and may have a materially adverse effect on our administration of the Policy.

WeFEES ~~reserve~~AND ~~the~~CHARGES ~~right to reject or accept any form of payment. Any unacceptable forms of payment will be returned.~~

WeThere ~~reserve~~are fees and charges associated with the ~~right~~Policy tothat ~~restrict~~may reduce the return on your investment. Please note that if a fee or ~~refuse~~charge is deducted from an Index Account Option before the end of a Crediting Period for an Index Account Option (including a periodic fee or charge), the deduction will be from the Interim Value of your investment in that Index Account Option. As discussed, when a transaction is processed based on an Interim Value, the Interim Value could reflect less gain or more loss (perhaps significantly less gain or more loss) than would be applied at the end of the Crediting Period. This means that there could be significantly less money available under your Policy for fees and charges and could cause you to incur significant loss. The deduction would also result in a negative adjustment to your Index Base, which will result in lower Interim Values for the remainder of the Crediting Period and could result in less gain (if any) ~~premium~~or ~~payment~~more loss at the end of the Crediting Period.

~~INITIAL~~SURRENDER ~~PREMIUM~~CHARGES ~~PAYMENT~~

~~The~~During the accumulation phase, you can withdraw part (withdrawal) or all (Surrender) of your ~~initial~~Policy’s ~~premium~~cash ~~payment~~value. ~~for~~Restrictions ~~qualified~~may ~~and~~apply ~~non-~~to qualified Policies. ~~must~~When beyou attake ~~least~~a ~~$25~~withdrawal or Surrender,~~000~~ ~~(including~~we ~~anticipated~~may ~~premiums~~apply ~~from~~a ~~exchanges,~~surrender ~~transfers,~~charge orto ~~rollovers~~compensate asus ~~indicated~~for onstart-up ~~your~~expenses ~~application~~of orthe ~~electronic~~Policy relating to ~~order~~sales, ~~form)~~including commissions to registered representatives and other promotional expenses.

~~You~~35 ~~must obtain our prior approval to purchase a Policy with an amount in excess of:~~

•Table $1,000,000of provided that you, any joint Owner, and the Annuitant are all younger than age 81; orContents

•Surrender ~~$500~~charges,~~000~~ if ~~you~~any, ~~any~~apply ~~joint~~to ~~Owner~~each premium payment, orregardless ~~the~~of ~~Annuitant~~how Policy Value is atallocated ~~least~~among the ~~age~~Allocation 81Accounts. The surrender charge decreases based on the number of years since the premium payment was made, as reflected in the table below.

~~Your~~Surrender ~~initial~~Charge premium payment may not be credited to your Policy on the day that you leave your premium payment with your financial intermediary. Your financial intermediary may take a period of time to assess whether buying this Policy is suitable for you. Your financial intermediary may send us your initial premium payment while they complete this assessment. Your financial intermediary must also ensure that we have all the information needed for us to process your Policy. We will not begin to process your Policy during this period.

We(as ~~will credit~~a ~~your~~percentage ~~initial~~of premium withdrawn ~~payment to your Policy within two Business Days after the Business Day that we receive your initial premium payment, your application (~~or ~~order form~~Surrendered), and once we determine that your Policy information is both complete and in good order. This time period is in addition to the time your financial intermediary may take to complete their part of the process.

If your information is not received in good order and we are unable to complete our part of the process within 30 Business Days after the Business Day that we receive your initial premium payment and your application (or electronic order form), then we will return your initial premium payment at that time. We will credit your initial premium payment within two Business Days after your information is both complete and in good order. Neither we nor your financial intermediary are responsible for lost investment opportunities while we each complete our review processes. Any initial premium payments received by us will be held in our general account until credited to your Policy. You will not earn interest on your initial premium payment during these review periods.


Number of Years Since Premium Payment Date	Surrender Charge
Year 0-1		8	%
Year 1-2		8	%
Year 2-3		7	%
Year 3-4		6	%
Year 4-5		5	%
Year 5-6		4	%
Year 6+		0	%

~~The~~Under ~~date~~the onPolicy’s ~~which~~“surrender wecharge-free ~~credit~~amount” feature, you can withdraw a portion of your ~~initial~~Policy ~~premium~~Value ~~payment~~each Policy Year free of surrender charges, subject to any reduction in your ~~Policy~~surrender ischarge-free ~~generally~~amount for previous withdrawals during the Policy ~~Date~~Year as described below. ~~Please~~The ~~note,~~surrender ~~the~~charge-free amount each Policy ~~Date~~ Year is ~~not~~equal to the ~~date~~greater ~~that~~of ~~the~~(1) 10% ~~initial~~of your total premium ~~payment~~payments, isless ~~allocated~~any towithdrawals taken during the ~~selected~~current ~~Allocation~~Policy ~~Account~~Year; and (s2) earnings, ~~because~~plus ~~the~~premiums ~~initial~~no ~~premium~~longer ~~payment~~subject ~~will~~to besurrender ~~held~~charges. inThe ~~the~~surrender ~~Fixed~~charge-free ~~Holding~~amount ~~Account~~is ~~until~~determined at the ~~next~~time ~~1st,~~of ~~8th,~~withdrawal ~~15th~~or Surrender. This amount is not cumulative, orso ~~22nd~~any ~~calendar~~surrender ~~day~~charge-free ~~after~~amount not used in one year does not increase the ~~Policy Date,~~surrender ~~whichever~~charge-free ~~occurs~~amount ~~first~~in subsequent years. ~~The~~If ~~Policy~~the ~~Date~~withdrawal or Surrender is ~~used~~in toexcess ~~determine~~of ~~certain~~the ~~time~~surrender ~~periods~~charge-free amount, ~~under~~you ~~your~~will ~~Policy,~~have ~~such~~to aspay ~~Policy~~any ~~Years,~~applicable ~~Policy~~surrender ~~Quarters,~~charge ~~and~~on ~~Policy~~the ~~Anniversaries~~excess amount.

38For example, assume your premium payments total $100,000 and your Policy Value is $106,000 at the beginning of the second Policy Year, and you request a withdrawal of $30,000. Since that amount is more than your surrender charge-free amount ($100,000 * 10% = $10,000 is greater than the $6,000 in earnings and all premiums are currently subject to surrender charge), you would pay a surrender charge of $1,600 on the remaining $20,000 (i.e., 8% x ($30,000 – $10,000) = $1,600). Likewise, assume your Policy Value is $80,000 (total premium payments total $100,000) at the beginning of the second Policy Year and you Surrender your Policy. Since you have no earnings due to your Policy Value decreasing and all premiums are currently subject to surrender charge, your surrender charge-free amount would be $10,000 and you would pay a surrender charge of $7,200 (i.e., 8% x ($100,000 – ($10,000) = $7,200).

WeFor ~~will~~surrender ~~consider any premium that we receive with your Policy application and within 14 calendar days of the~~charge ~~date~~purposes, ~~you~~earnings ~~sign~~are ~~your~~considered ~~Policy~~to ~~application~~be ~~(or~~withdrawn 60first, ~~calendar~~then ~~days if~~ the ~~Policy~~oldest premium is ~~funded~~considered ~~through an exchange, transfer, or rollover)~~ to be ~~part~~withdrawn ~~of your initial premium payment~~next. WeThere ~~will~~is ~~not~~no ~~wait~~surrender ~~until~~charge on the ~~end~~withdrawal of ~~the~~earnings ~~14 calendar day (~~or 60premium ~~calendar~~payments ~~day) period~~that toare ~~apply~~no ~~your~~longer ~~total~~subject ~~initial premium payment~~ to ~~the~~surrender ~~Policy~~chargers. However, Wewithdrawals ~~will credit the portion~~ of ~~your~~these ~~initial~~amounts ~~premium~~will ~~payment~~count ~~accompanying~~towards your ~~Policy~~surrender ~~application~~charge-free oramount ~~that~~when ~~we otherwise receive before the Policy Date as described in the paragraph immediately above~~withdrawn. WeThis ~~will~~means ~~credit any more initial premium~~ that wewithdrawing ~~receive on or after the Policy Date within two Business Days after the Business Day we receive it. Once credited to your Policy,~~ such ~~premium~~amounts will bereduce ~~held~~(possibly into ~~the~~zero) ~~Fixed Holding Account until the next 1st, 8th, 15th, or 22nd calendar day after we receive it, whichever occurs first, and then allocated among the Allocation Accounts in accordance with~~ your ~~instructions.~~surrender ~~Please~~charge-free ~~note,~~amount iffor wea ~~receive any portion of the initial premium after the~~ Policy ~~Date, the Crediting Periods associated with your initial premium payment may have different start dates~~Year.

Keep in mind that withdrawals may be taxable and, if taken before age 591/2, may be subject to a 10% ~~ADDITIONAL~~federal ~~PREMIUM~~penalty ~~PAYMENTS~~tax. For tax purposes, withdrawals from non-qualified Policies are considered to come from taxable earnings first.

~~You~~See ~~are~~ACCESS ~~not~~TO ~~required~~YOUR toMONEY ~~make~~– ~~any~~SURRENDER ~~additional~~CHARGE ~~premium~~WAIVERS ~~payments.~~for ~~However,~~information ~~you~~about ~~can generally make additional premium payments during~~ the ~~accumulation~~Policy’s ~~phase.~~surrender ~~Additional~~charge ~~premium payments must be at least $50~~waivers. Please Wenote ~~will~~that ~~credit~~any anamounts ~~additional~~withdrawn ~~premium~~pursuant ~~payment~~ to ~~your~~a ~~Policy~~surrender ~~within~~charge ~~two~~waiver ~~Business~~will ~~Days~~count ~~after~~against the ~~Business~~surrender ~~Day~~charge-free weamount ~~receive~~for ~~the~~a ~~premium~~Policy ~~payment and required information in good order at our Administrative Office~~Year.

~~Before~~We may anelect ~~additional~~to ~~premium~~reduce ~~payment~~or iseliminate ~~allocated to~~ the ~~selected~~amount ~~Allocation~~of ~~Account(s),~~the itsurrender ~~will be~~charge ~~held~~when in the ~~Fixed~~Policy ~~Holding~~is ~~Account~~sold ~~until~~under ~~the~~circumstances ~~next~~which ~~upcoming~~reduce ~~1st,~~our ~~8th,~~sales ~~15th,~~ or ~~22nd~~other ~~calendar~~expenses, ~~day~~or ~~after~~when werequired ~~credit~~by ~~the~~regulation ~~additional~~or ~~premium~~regulatory ~~payment to your Policy, whichever occurs first~~authority.

~~When~~36 you allocate an additional premium payment to one or more Allocation Accounts, a new Crediting Period will begin for each Allocation Account receiving the premium payment. No portion of an additional premium payment can be applied to an ongoing Crediting Period. Please note that if you invest in an Allocation Account for which you already have an ongoing Crediting Period, you will have multiple ongoing Crediting Periods for the same Allocation Account. Under such circumstances, each ongoing Crediting Period for the same Allocation Account will be treated as a separate investment under the Policy.

AfterTable the first Policy Year, we reserve the right to require our prior approval for any cumulative premium payments in a single Policy Year in excess of the following limits: Contents

•Surrender ~~Non-qualified~~charges ~~Policies~~do –not ~~$25~~apply to payment of the death benefit payable upon the death of the Annuitant (where the death benefit is equal to either Policy Value or,~~000~~ if the GMDB rider is in effect, the guaranteed minimum death benefit). Surrender charges do apply to payment of the death benefit payable upon the death of an Owner who is not also the Annuitant (where the death benefit is equal to the Policy’s cash value). Surrender charges do not apply upon annuitization.

•MAXIMUM ~~Qualified~~POTENTIAL ~~Policies~~LOSS –DUE ~~the~~TO ~~lesser~~INTERIM ofVALUE ~~any minimums required by the Internal Revenue Service or $60,000.~~

IfBefore ~~you~~the doend ~~not~~of ~~obtain~~a ~~prior~~Crediting ~~approval~~Period for ~~premium~~an ~~payments~~Index Account Option, if you take a Surrender or withdrawal, or if you exercise the Performance Lock feature, or if you annuitize the Policy, or if the Policy’s death benefit is paid, or if a fee or charge is deducted from that Index Account Option, the transaction will be based on the Interim Value of your investment in ~~excess~~that Index Account Option. The application of an Interim Value to such transactions could result in a loss beyond the ~~dollar~~downside ~~amounts~~protection ~~listed~~for ~~above~~the Index Account Option. In extreme circumstances, for any ~~prohibited~~Index Account ~~premium~~Option, ~~payment will~~the total loss could be ~~deemed~~100% ~~not~~(i.e., ina ~~good~~complete ~~order~~loss of your principal and any prior earnings).

WeSERVICE ~~will~~CHARGE not allow additional premium payments under a Policy after the Owner (or oldest joint Owner) attains the age of 90. We reserve the right to further limit or refuse additional premium payments. We may prohibit Owners from making additional premium payments under the Policy in the future on a non-discriminatory basis. If we exercise this right, Owners will lose the ability to increase Policy Value and the optional death benefit, if elected, through additional premium payments.

~~MAXIMUM~~We ~~TOTAL~~will ~~PREMIUM~~deduct a ~~PAYMENTS~~service charge from your Policy on each Policy Anniversary prior to the Annuity Commencement Date and when you Surrender the Policy. Each time we deduct this charge, it will not exceed 2% (as a percentage of your Policy Value, before the deduction of any fees or charges on that date) or a maximum of $50, whichever is less. We reserve the right to waive this charge for any reason, but we guarantee that we will waive the charge if your Policy Value, or if your total premium payments minus prior withdrawals, on that date is at least equal to the minimum amount specified in your Policy.

WeFor ~~reserve~~example, ~~the~~assume ~~right~~your ~~to require~~Policy ~~our~~Value is $100,000 on a Policy Anniversary prior ~~approval~~to the Annuity Commencement Date. Because 2% of ~~any~~your ~~cumulative~~Policy ~~premium~~Value ~~payments~~on inthat ~~excess~~Policy Anniversary (i.e., $2,000) is more than the maximum service charge of: $50, the service charge on that Policy Anniversary would be limited to $50.

•When $1assessed,~~000,000~~ ~~provided~~this ~~that~~charge ~~you,~~will ~~any~~be ~~joint~~allocated ~~Owner,~~among all of your Allocation Accounts and the ~~Annuitant~~Performance ~~were~~Lock ~~all~~Account ~~younger~~in ~~than~~the ~~age~~same 81proportion to how your Policy Value in those Accounts is allocated at that time and will be deducted on ~~the~~a ~~date~~dollar ~~you~~for ~~signed~~dollar basis. This charge will not be deducted from the ~~application;~~Fixed orHolding Account unless all other Accounts have been exhausted of value.

•GUARANTEED ~~$500,000~~MINIMUM ifDEATH ~~you,~~BENEFIT ~~any~~(GMDB) ~~joint~~RIDER ~~Owner,~~FEE ~~or the Annuitant were at least age 81 on the date you signed the application.~~

39The GMDB rider may be added to your Policy at the time of purchase, provided that the Annuitant is younger than age 81 as of the date that the Policy application is signed.

~~The~~For ~~maximum~~Policy ~~limit~~applications onsigned ~~total~~before May 1, ~~premium~~2024, ~~payments includes premium payments under~~ the ~~Policy~~GMDB ~~and~~rider ~~other~~is ~~policies with~~an ~~the~~optional ~~same~~benefit, ~~Owner~~which orif ~~same~~elected, ~~Annuitant~~is ~~issued~~subject byto ~~us or~~ an ~~affiliate~~additional charge. If you doelected ~~not~~the ~~obtain~~optional ~~prior~~GMDB ~~approval~~rider, ~~for~~the ~~premium~~applicable ~~payments~~fee independs ~~excess~~on of the ~~dollar~~Annuitant’s ~~amounts~~age ~~listed~~on ~~above,~~the ~~any~~date ~~prohibited~~that ~~premium~~you ~~payment~~signed ~~will~~the beapplication for ~~deemed~~the ~~not~~Policy, as set forth in ~~good~~the ~~order.~~following table:

~~ALLOCATION~~Policy OFApplications ~~PREMIUM~~Signed ~~PAYMENTS~~Before May 1, 2024

Initial Premium Payment


Age of Annuitant	Fee Percentage
0-50		0.05	%
51-70		0.15	%
71-80		0.50	%

~~When~~37 you purchase the Policy, we will allocate your initial premium payment to the Allocation Account(s) you selected based on the allocation instructions in your application. The allocations in your allocation instructions must be in whole percentages and must total 100%.

AdditionalTable Premiumof Payments Contents

~~The~~For ~~allocation~~Policy ~~instructions in~~applications ~~your~~signed ~~application~~on ~~will~~or ~~initially~~after ~~serve~~May 1, as2024, ~~your~~the ~~standing~~GMDB ~~allocation~~rider ~~instructions~~may ~~for~~be ~~additional~~a ~~premium~~standard ~~payments.~~or ~~You~~optional benefit ~~may~~depending ~~change~~on ~~your~~the ~~standing~~Annuitant’s ~~allocation~~age ~~instructions~~as ~~for~~of ~~additional~~the ~~premium~~date ~~payments~~that bythe ~~sending~~Policy ~~written~~application ~~instructions~~is tosigned. ~~our Administrative~~If ~~Office,~~the byAnnuitant ~~telephone~~is younger than age 71, orthe ~~other~~GMDB ~~electronic~~rider ~~means~~is ~~acceptable~~a tostandard ~~us,~~benefit ~~subject~~that tois ~~the~~automatically ~~limitations~~added ~~described under~~to ~~OTHER~~your ~~INFORMATION~~Policy –for ~~Telephone~~no ~~and~~additional ~~Electronic Transactions~~charge. ~~The~~If the ~~new~~Annuitant ~~instructions~~is ~~will~~age ~~apply~~71 to ~~premium~~80, ~~payments received~~the onGMDB orrider ~~after~~is ~~the~~an ~~date~~optional webenefit ~~receive~~that ~~the~~may ~~change~~be ~~request~~elected for an additional charge, as reflected in ~~good~~the ~~order.~~following table:

IfPolicy ~~you~~Applications ~~make~~Signed anOn ~~additional~~or ~~premium~~After ~~payment and it is accompanied by allocation instructions~~May 1, we2024 will allocate the premium payment to the Allocation Account(s) you selected based on those instructions. The allocation instructions accompanying your additional premium payment will not replace your standing allocation instructions unless you specifically instruct us otherwise.

If you make an additional premium payment and it is not accompanied by allocation instructions, we will process the additional premium payment based on your standing allocation instructions. If those standing allocation instructions are not in good order because they instruct us to allocate the premium payment (or a portion thereof) to an unavailable Allocation Account, we will process the additional premium payment as follows:


Age of Annuitant	Fee Percentage
0-70		0.00% (No Charge	)
71-80		0.50	%

•If ~~For each Allocation Account in~~ your ~~standing~~Policy ~~allocation~~includes ~~instructions,~~a ifGMDB ~~that~~rider ~~Allocation Account (or another Allocation Account~~ that ~~we designate in an amendment to this prospectus)~~ is ~~available~~subject ~~for investment, we will allocate the applicable percentage of your premium payment~~ to ~~that~~an ~~Allocation~~additional ~~Account~~fee: ~~in accordance with your standing allocation instructions.~~

• ~~For~~Before ~~each~~electing ~~Allocation~~the ~~Account~~rider, inyou ~~your~~should ~~standing~~consider ~~allocation~~that ~~instructions,~~each iftime ~~that~~the ~~Allocation~~GMDB ~~Account~~fee is ~~not~~deducted ~~available~~from ~~for~~an ~~investment,~~Index weAccount ~~will~~Option ~~attempt~~before ~~to contact you and your financial intermediary to request new instructions with respect to~~ the ~~applicable~~end ~~portion~~ of ~~your~~the ~~premium~~Crediting ~~payment.~~Period We– ~~will~~and ~~make~~the ~~multiple~~GMDB ~~attempts~~fee ~~over~~is adeducted ~~30-day~~quarterly ~~period.~~– ~~During this 30-day period,~~ the ~~applicable~~deduction ~~portion of your premium payment~~ will be ~~held~~based inon ~~the~~Interim ~~Fixed~~Value ~~Holding~~and ~~Account.~~there Ifwill webe doa ~~not~~negative ~~receive~~proportionate ~~new~~reduction ~~instructions~~to inyour ~~good~~Index ~~order~~Base. ~~within~~As ~~30 days~~such, wethe ~~will~~deduction ~~allocate~~could ~~that~~result ~~portion~~in ofloss, ~~your~~perhaps ~~premium~~significant ~~payment~~and toperhaps ~~the~~greater ~~Default~~than ~~Option on~~ the ~~next~~amount ~~upcoming 1st, 8th, 15th, or 22nd calendar day~~ of ~~any~~the ~~month, whichever occurs first~~fee.

~~Currently,~~• ~~the~~The ~~Default~~fee ~~Option~~percentage isapplicable ~~the~~to ~~Fixed~~your ~~Account~~rider ~~Option.~~will ~~See~~not ~~DEFAULT~~change ~~OPTION.~~for the life of your rider.

40• The fee is charged as a percentage of your GMDB Benefit Base, which equals the guaranteed minimum death benefit under the rider (including any increases for additional premium payments and proportionate reductions for withdrawals).

~~POLICY~~• ~~VALUE~~The ~~AND~~additional ~~CASH~~fee ~~VALUE~~will be calculated and deducted quarterly, on the same day of the month as the rider effective date. If that day does not exist for a given month, the first calendar day of the following month will be used. The quarterly fee is calculated by multiplying the GMDB Benefit Base by the GMDB rider fee percentage and dividing that amount by four. For example, assume your annualized fee percentage for the GMDB rider is 0.50%, and at the end of a quarterly period prior to the Annuity Commencement Date, your GMDB Benefit base is $100,000. On that date, your GMDB rider fee would be $125 (i.e., $100,000 x 0.50% / 4 = $125).

~~POLICY~~• ~~VALUE~~The fee will be deducted on a pro-rated basis (based on the number of days that have elapsed since the end of the last Policy Quarter) if the rider is terminated. However, the pro-rated charge will not be deducted upon termination due to death.

~~Prior~~• toWhen ~~the Annuity Commencement Date~~assessed, ~~your~~the ~~Policy~~fee ~~Value~~will ~~represents~~be ~~the~~allocated ~~value~~among all of your ~~investment~~Allocation inAccounts ~~your~~and ~~Accounts,~~the ~~which~~Performance ~~may~~Lock ~~include~~Account in the ~~Fixed~~same ~~Holding~~proportion ~~Account,~~to ~~the~~how ~~Fixed~~your ~~Account~~Policy ~~Option,~~Value ~~one~~in orthose ~~more~~Accounts ~~Index~~is ~~Account~~allocated ~~Options,~~at that time and ~~the~~will ~~Performance~~be ~~Lock~~deducted ~~Account.~~on Ifa ~~you invest~~dollar infor andollar ~~Index~~basis. ~~Account~~This ~~Option,~~charge ~~your~~will ~~Policy~~not ~~Value~~be ~~will~~deducted ~~reflect~~from the ~~Interim~~Fixed ~~Values~~Holding ofAccount ~~your~~unless ~~investment~~all ~~between~~other ~~the~~Accounts ~~first~~have ~~and~~been ~~last~~exhausted ~~day~~ of ~~the Crediting Period~~value.

OnUnder limited circumstances, the GMDB rider may be re-elected after termination of the rider, following the death of the Owner or Annuitant, provided that we are still offering the GMDB rider and subject to any ~~day~~age ~~during~~eligibility requirements that we are imposing on new GMDB rider elections. If you re-elect the ~~accumulation~~GMDB ~~phase~~rider, ~~your~~the ~~total~~re-elected ~~Policy~~rider ~~Value~~will isbe ~~equal~~subject to: the annualized fee percentages we are offering at the time of re-election. The applicable fee, if any, may depend on the age of the Annuitant at the time the re-election request is received in good order. The annualized fee percentage will not exceed 2.00%. If the GMDB rider can be re-elected under an eligible Policy for no additional charge, the rider will be automatically re-elected. Otherwise, re-election under an eligible Policy will be optional.

•See ~~Your~~DEATH ~~total~~BENEFIT ~~premium~~– ~~payment~~GUARANTEED MINIMUM DEATH BENEFIT (sGMDB); ~~minus~~RIDER for information about how the guaranteed minimum death benefit is calculated.

•CREDIT ~~Your~~ADVANTAGE ~~total~~FEE ~~gross withdrawals from the Policy (including amounts deducted for surrender charges); plus~~

•If ~~Your~~you ~~accumulated~~invest ~~gains~~in onan ~~amounts~~Index ~~allocated~~Account Option with a Growth Opportunity Type designated as “Credit Advantage,” you will pay an additional fee for the increased upside potential associated with that Index Account Option. The fee percentage is annualized, which generally means that even if two Index Account Options are subject to the same fee percentage but the lengths of their Crediting Periods differ, you will pay more if you select the Index Account~~(s);~~ ~~minus~~Option with the longer Crediting Period.

•38 ~~Your accumulated losses on amounts allocated to Index Account(s); plus~~

•Table Interestof credited on amounts allocated to the Fixed Account and Fixed Holding Account; minusContents

•The ~~Amounts~~annualized ~~deducted~~fee percentage is the percentage of your Policy Value allocated to that Index Account Option on the first day of the Crediting Period. Each available Index Account Option with a Credit Advantage Growth Opportunity Type has an annualized fee percentage of 1.25%. The annualized fee percentage for ~~fees~~an ~~and~~Index ~~charges~~Account Option with a Credit Advantage Growth Opportunity Type as shown in this prospectus will not change for the life of the Policy. The dollar amount of the Credit Advantage Fee is calculated at the beginning of the Crediting Period. The fee amount will equal the dollar amount allocated to the Index Account Option on the first day of the Crediting Period, multiplied by the Credit Advantage Fee percentage, multiplied by the length of the Crediting Period (in years). For example, assume you invest $100,000 in an Index Account Option with a Credit Advantage Cap, a 6 year Crediting Period, and ~~taxes~~Credit ifAdvantage ~~any~~Fee of 1.25% (annualized). Based on these assumptions, you would be subject to a total Credit Advantage Fee of $7,500 for that Crediting Period (i.e., ($100,000 x 1.25%) x 6 = $7,500). If the Crediting Period were instead only 1 year, you would be subject to a total Credit Advantage Fee of $1,250 (i.e., ($100,000 x 1.25%) x 1 = $1,250).

~~After~~The Credit Advantage Fee is not assessed at the ~~Annuity~~beginning ~~Commencement~~of ~~Date~~the Crediting Period. The Credit Advantage Fee is assessed at the end of the Crediting Period or, in certain circumstances, before the end of the Crediting Period as explained further below. Before the end of the Crediting Period, your ~~Policy~~Interim ~~does~~Values ~~not~~will ~~have~~reflect reductions for Accrued Credit Advantage Fees. Accrued Credit Advantage Fees accrue on a ~~Policy~~daily basis, each day by a dollar amount equal to the Remaining Crediting Advantage Fees less the Accrued Credit Advantage Fees, divided by the total number of days remaining in the Crediting Period. The accrual of Accrued Credit Advantage Fees against Interim Value does not impact your Index Base (i.e., it does not trigger negative adjustments to your Index Base), but will reduce the amount available in the Index Account for withdrawals, Surrender, annuitization, and the death benefit and to pay fees and charges. See VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION – NEGATIVE ADJUSTMENTS TO INDEX BASE and INTERIM VALUE for additional information.

~~CASH~~If ~~VALUE~~you invest in an Index Account Option subject to a Credit Advantage Fee, the Credit Advantage Fee will be assessed as follows:

~~Prior~~(1) If you do not take a withdrawal or Surrender from the Index Account Option prior to the ~~Annuity~~ ~~Commencement~~end ~~Date~~of the Crediting Period, ~~your~~and ~~cash~~you ~~value~~do ~~represents~~not exercise the ~~total~~Performance Lock feature, the full Credit Advantage Fee amount ~~that~~will isbe ~~available~~deducted ~~for~~from ~~withdrawal~~your orIndex ~~Surrender.~~Account ~~Your~~Option ~~cash~~Value ~~value~~at isthe ~~equal~~end toof the ~~Policy~~Crediting ~~Value~~Period ~~less~~on ~~any~~a ~~surrender~~dollar ~~charges,~~for ifdollar ~~applicable~~basis. ~~Your~~The ~~cash~~Credit ~~value~~Advantage ~~may~~Fee would be ~~lower~~in ~~than~~addition to any other fees or ~~equal to~~charges ~~your~~assessed ~~Policy~~at ~~Value.~~the end of the Crediting Period.

~~After~~(2) If you take a full withdrawal from the ~~Annuity~~Index ~~Commencement~~Account ~~Date~~Option or a Surrender prior to the end of the Crediting Period, ~~your~~the ~~Policy~~Remaining ~~does~~Credit ~~not~~Advantage ~~have~~Fees will be deducted from the amount payable from that Index Account Option on a ~~cash~~dollar ~~value~~for dollar basis. Please note that any Accrued Credit Advantage Fees would already be reflected in your Interim Value. The Credit Advantage Fee would be in addition to any other fees or charges applicable to the withdrawal or Surrender.

~~TYPES~~(3) OFIf ~~ACCOUNTS~~you take a partial withdrawal from the Index Account Option prior to the end of the Crediting Period, a portion of the Credit Advantage Fee will be assessed. The total deduction from Interim Value will equal (a) + (b) + (c), where:

~~FIXED~~(a) = ~~HOLDING~~the ~~ACCOUNT~~amount of the requested withdrawal from the Index Account Option.

~~Before an~~(b) ~~initial~~= ~~or additional premium payment is allocated to one or more Allocation Accounts, it will be held in~~ the ~~Fixed~~Credit ~~Holding~~Advantage ~~Account~~Fee ~~until the next upcoming 1st~~assessed, ~~8th,~~less ~~15th,~~Accrued orCredit ~~22nd~~Advantage ~~calendar day of any month, whichever occurs first~~Fees. OnPlease ~~such~~note: ~~day, the premium payment (plus any accrued interest) will be allocated to the appropriate Allocation Account(s) and the Crediting Period(s) will begin on that day.~~

• The ~~initial~~Credit ~~premium~~Advantage ~~payment~~Fee assessed will beequal: ~~allocated~~Remaining ~~from~~Credit ~~the~~Advantage ~~Fixed~~Fees ~~Holding~~x ~~Account~~(amount aswithdrawn ~~described~~/ ~~above~~Interim ~~after the Policy Date~~Value). AnRemaining ~~additional~~Credit ~~premium~~Advantage ~~payment~~Fees ~~will~~and ~~be allocated~~Interim asValue ~~described~~in ~~above~~this ~~after~~calculation weare ~~credit~~those ~~the~~values ~~additional~~immediately ~~premium~~prior ~~payment~~ to ~~your Policy. If~~ the Policy Date, or the date we credit an additional premium payment, is the 1st, 8th, 15th, or 22nd calendar day, it will be allocated on the next 1st, 8th, 15th, or 22nd calendar day, whichever occurs firstwithdrawal.

~~Amounts~~39 held in the Fixed Holding Account are credited compound interest daily based on the annual interest rate in effect on that day. We may change the current annual interest rate for the Fixed Holding Account at any time at our discretion, subject to a guaranteed minimum effective annual interest rate of 0.25%. You bear the risk that we will not credit interest at a rate greater than the guaranteed minimum effective annual interest rate.

YouTable mayof obtain the current annual interest rate online at https://www.transamerica.com/annuities/rila or upon request by contacting our Administrative Office or your financial intermediary. Contents

~~When~~• ~~your allocation~~If ~~instructions~~the ~~for~~Credit anAdvantage ~~initial~~Fee orassessed ~~additional~~is ~~premium~~less ~~payment~~than ~~are~~or ~~not~~equal ~~in good order because they instruct us~~ to ~~allocate~~Accrued ~~your~~Credit ~~premium~~Advantage ~~payment~~Fees toas anof ~~Allocation~~the ~~Account~~date ~~that~~of isthe ~~no longer available for investment~~withdrawal, ~~your~~(b) ~~premium payment may be held~~ in ~~the~~this ~~Fixed~~formula ~~Holding~~will ~~Account~~equal ~~for a longer period of time than described above~~$0. ~~See PREMIUM PAYMENTS – ALLOCATION OF PREMIUM PAYMENTS for additional information.~~

41• If the Credit Advantage Fee assessed is greater than Accrued Credit Advantage Fees as of the date of the withdrawal,( b) in this formula will equal the difference between the Credit Advantage Fee assessed and Accrued Credit Advantage Fees.

~~FIXED~~• ~~ACCOUNT~~After ~~OPTION~~the withdrawal, the next calculated Interim Value will reflect a reduction in Accrued Credit Advantage Fees. Accrued Credit Advantage Fees will be reduced by the Credit Advantage Fee assessed on the withdrawal. Accrued Credit Advantage Fees will not be reduced below $0.

If(c) ~~you~~= ~~invest~~Any inother ~~the~~fees Fixed Account Option, we guarantee your principal and a fixed annual interest rate for a 1-year Crediting Period. We will credit compound interest daily throughout the Crediting Period based on the annual interest rate we declared for that Crediting Period. The current annual interest rate for the Fixed Account Option is available online at https://www.transamerica.com/annuities/rila or ~~upon~~charges ~~request~~applicable ~~by contacting our Administrative Office or your financial intermediary. See SELECTING ALLOCATION ACCOUNTS FOR INVESTMENT for additional information about how~~ to ~~obtain~~ the ~~current annual interest rate for the Fixed Account Option~~withdrawal.

We(4) ~~may~~If ~~declare~~you aexercise ~~new~~Performance ~~annual~~Lock, ~~interest rate for new Crediting Periods. We determine~~ the ~~annual~~“locked-in” ~~interest rates~~Interim ~~for~~Value ~~new~~(which ~~Crediting~~will ~~Periods~~already atreflect ~~our~~Accrued ~~discretion,~~Credit ~~subject~~Advantage toFees) ~~a guaranteed minimum effective annual interest rate of 0.25%. You bear the risk that we~~ will ~~not~~be ~~credit~~reduced ~~interest~~dollar for adollar ~~new~~by ~~Crediting~~the ~~Period~~Remaining atCredit aAdvantage ~~rate~~Fees ~~greater~~and ~~than~~any ~~the~~other ~~guaranteed~~applicable ~~minimum effective~~fees ~~annual~~or ~~interest rate~~charges.

~~The~~(5) ~~annual~~If ~~interest~~a ~~rate~~death ~~declared~~benefit ~~for~~becomes anpayable, ~~ongoing~~Remaining ~~Crediting~~Credit ~~Period~~Advantage ~~will~~Fees ~~not~~as ~~change.~~of ~~However,~~ the ~~annual~~date ~~interest rate~~ we ~~declare~~ ~~for~~receive ~~the~~due ~~Fixed~~proof ~~Account~~of ~~Option~~death ~~may~~will ~~differ~~be ~~from Crediting Period to Crediting Period~~waived. ~~For example, assume you have Policy Value invested in the Fixed Account Option with an ongoing 1-year Crediting Period.~~ If the ~~Fixed~~death ~~Account~~benefit ~~Option~~ is ~~still~~based ~~available~~on ~~for~~Interim ~~investment and you invest additional amounts in the Fixed Account Option~~Value, ~~you~~any ~~will~~Accrued ~~have~~Credit ~~two~~Advantage ~~separate~~Fees ~~ongoing~~reflected ~~1-year~~in ~~Crediting Periods for~~ the ~~Fixed Account~~Interim ~~Option,~~Value and ~~the~~will ~~interest~~not ~~rates~~be ~~for those Crediting Periods may differ~~waived.

WeIn dono ~~not~~event ~~guarantee~~will ~~that~~the aCredit ~~Fixed~~Advantage Fee amount paid for an Index Account Option ~~will~~for ~~always~~a besingle Crediting Period exceed the total Credit Advantage Fee ~~available~~amount ~~for~~calculated ~~investment~~at the beginning of the Crediting Period.

~~INDEX~~SPECIAL ~~ACCOUNT~~SERVICE ~~OPTIONS~~FEES

~~When~~We ~~you~~may ~~invest~~deduct ina ancharge ~~Index~~for ~~Account~~the ~~Option~~following special services: overnight delivery, ~~your~~duplicate ~~investment~~policies, ~~begins~~non-sufficient checks on ~~the~~new ~~first~~business, ~~day~~duplicate ofForm ~~the~~1099 ~~Crediting~~and ~~Period~~Form ~~and~~5498 ~~generally~~tax ~~ends~~forms, oncheck ~~the~~copies, ~~last~~printing ~~day~~and ofmailing ~~the~~previously ~~Crediting Period.~~submitted ~~There~~forms, ~~are~~and ~~certain~~asset ~~events~~verification ~~that~~requests ~~could~~from ~~end~~mortgage ~~your~~companies. ~~investment~~The ~~before~~fees ~~the~~charged ~~last~~for ~~day~~any ofsuch ~~the~~service ~~Crediting~~will ~~Period~~vary, ~~such~~but aswill not ifexceed ~~you~~$50 ~~take~~per aservice. ~~full~~We ~~withdrawal~~will not deduct the charge from ~~that~~your ~~Index~~Policy. ~~Account~~We ~~Option,~~will ~~Surrender~~require ~~the~~you ~~Policy,~~to pay by credit card or ~~annuitize~~other accepted method when you request the ~~Policy,~~service. orIf ifthe service involves the ~~death~~issuance ~~benefit becomes~~of ~~payable,~~a orcheck ifto you, ~~exercise~~we ~~Performance~~may ~~Lock,~~allow ~~before~~you to deduct the ~~end~~charge offrom the ~~Crediting~~final ~~Period~~check.

AtREDUCED ~~the~~FEES ~~end~~AND ofCHARGES the Crediting Period, we apply gain or loss to your Policy based on how the Index Account Option performed. The Index Account Option’s performance is linked to the performance of an Index, which will either be a market index or an exchange-traded fund. See THE INDEXES. The Index’s performance is measured by calculating the Index Change, which is the percentage difference between the Initial Index Value and the Final Index Value.

~~For~~We ~~example~~may, ~~regardless~~at ofour ~~how~~discretion, ~~the~~reduce ~~Index~~or ~~otherwise~~eliminate ~~performed~~certain ~~between~~fees ~~the~~and ~~beginning~~charges ~~and~~for ~~end~~certain ofPolicies ~~the~~(including ~~Crediting~~employer-sponsored ~~Period:~~savings plans), which may result in decreased costs and expenses.

•ORDERING IfOF ~~the~~FEES ~~Initial~~AND ~~Index~~CHARGES ~~Value is 1000 and the Final Index Value is 1100, the Index Change would be +10% (i.e., ((1100/1000) – 1 = 10%).~~

•At ~~Likewise,~~the ifend of the ~~Initial~~Crediting Period for an Index ~~Value~~Account isOption, ~~1000~~fees and charges are applied after the ~~Final~~Index Credit. Likewise, before the end of a Crediting Period for an Index Account Option, gains and losses resulting from Interim Value isadjustments ~~900~~are applied before fees and charges. For the Fixed Account Option, the ~~Index~~Performance ~~Change~~Lock ~~would~~Account, beor ~~-10%~~the ~~(i.e.~~Fixed Holding Account, ~~((900/1000)~~fees –and 1charges =are ~~-10%)~~applied after daily interest.

~~The~~If ~~amount of~~multiple ~~gain~~fees or ~~loss~~charges are applied to ~~your~~an ~~investment~~Account on the same day, they will be applied in the following order: (1) GMDB rider fee; (2) Credit Advantage Fee when Performance Lock is exercised; (3) Credit Advantage Fee at the end of ~~the~~a Crediting Period; ~~will~~(4) Credit ~~depend~~Advantage onFee ~~the~~when ~~Index~~a ~~Change~~withdrawal ~~and~~is ~~the~~taken ~~Index~~before ~~Account~~the ~~Option’s~~end ~~upside~~of ~~and~~a ~~downside~~Crediting ~~features:~~Period; (5) service charge.

•40 When the Index Change at the end of the Crediting Period is positive, your Policy gains value. The extent to which you participate in the positive Index performance depends on the Index Account Option’s Growth Opportunity Type. We currently only offer Index Account Options with Cap or Participation as the Growth Opportunity Type. Due to the operation of the Cap Rate or Participation Rate, as applicable, you may not fully participate in positive Index performance. See AVAILABLE ALLOCATION ACCOUNTS GROWTH OPPORTUNITY TYPE: CALCULATING GAIN USING CAP or PARTICIPATION for more information about Cap and Participation, including examples.

42Table of Contents

•PREMIUM ~~When~~TAXES ~~the Index Change at the end of the Crediting Period is zero, your Policy will not gain or lose value as a result of the Index performance.~~

•A ~~When~~deduction ~~the~~is ~~Index~~also ~~Change~~made atfor ~~the~~premium ~~end~~taxes, ofif ~~the Crediting Period is negative~~any, ~~your~~imposed ~~Policy~~on ~~will~~us ~~lose~~by ~~value~~a ~~only~~state, tomunicipality, ~~the~~or ~~extent~~other ~~that~~government ~~the Index Account Option’s downside protection does not protect you from loss~~agency. ~~The~~We ~~downside protection provided by an Index Account Option~~ will, ~~depend~~at onour ~~its~~discretion, ~~Downside~~deduct ~~Protection~~the tax, ~~Type. We~~ currently ~~only~~ranging ~~offer~~from ~~Index~~0% ~~Account~~to ~~Options~~3.5%, ~~with~~from ~~Buffer~~the asPolicy ~~the~~Value ~~Downside~~when ~~Protection~~you ~~Type.~~begin ~~Due~~receiving toannuity ~~the~~payments, ~~operation~~you ofSurrender the ~~Buffer~~Policy, ~~your~~or ~~investment~~death ~~will~~proceeds ~~incur~~are ~~loss~~paid. ~~for~~We ~~negative~~may ~~Index~~decide ~~performance~~to ~~beyond~~deduct the ~~Buffer~~tax ~~Rate.~~at If the ~~negative~~time ~~Index~~that ~~performance does not go beyond the Buffer Rate,~~ you ~~will~~make ~~not incur loss as~~ a ~~result~~premium ofpayment ~~that~~or ~~negative~~when ~~Index~~due ~~performance.~~to the ~~See~~applicable ~~AVAILABLE~~taxing ~~ALLOCATION ACCOUNTS – DOWNSIDE PROTECTION TYPE: CALCULATING LOSS USING THE BUFFER for more information, including examples~~authority.

~~For more information about how gains and losses are calculated at the end of the Crediting Period~~FEDERAL, ~~as well as about Interim Values and the Performance Lock feature~~STATE, ~~including~~AND ~~examples,~~LOCAL ~~see~~TAXES ~~VALUING YOUR INVESTMENT IN AN INDEX ACCOUNT OPTION below.~~

~~PERFORMANCE~~We ~~LOCK~~may ~~ACCOUNT~~in the future deduct charges from the Policy for any taxes we incur because of the Policy. However, no deductions are being made at the present time.

~~The~~ADVISORY ~~Performance~~FEES Lock Account is an interest-bearing account to which your locked-in Interim Value (less any Remaining Credit Advantage Fees and any other applicable charges) will be transferred upon exercising Performance Lock for an Index Account Option. The amount held in the Performance Lock Account will be credited compound interest daily based on the annual interest rate in effect on that day, and will be reduced on a dollar for dollar basis for any fees, charges, or withdrawals deducted from the Performance Lock Account, until the next Allocation Anniversary. We may change the current annual interest rate for the Performance Lock Account at any time at our discretion, subject to a guaranteed minimum effective annual interest rate of 0.25%. You bear the risk that we will not credit interest at a rate greater than the guaranteed minimum effective annual interest rate. You may obtain the current annual interest rate online at https://www.transamerica.com/annuities/rila or upon request by contacting our Administrative Office or your financial intermediary. The Performance Lock Account is part of our Fixed Account.

~~See~~If ~~VALUING~~you ~~YOUR~~are receiving ~~INVESTMENT~~investment INadvice ANfrom ~~INDEX~~a ~~ACCOUNT~~financial ~~OPTION~~professional, –you ~~PERFORMANCE~~may ~~LOCK~~be ~~for~~subject ~~information~~to ~~about~~investment ~~the~~advisory fees charged by your financial professional or your financial professional’s firm. Investment advisory fees are in addition to and separate ~~Performance~~from ~~Lock~~the ~~feature~~Policy’s fees and charges. If investment advisory fees were included in the cost of maintaining the Policy, your costs would be higher.

~~VALUING~~THE ~~YOUR~~ANNUITY ~~INVESTMENT IN AN INDEX ACCOUNT OPTION~~

~~INDEX~~This ~~ACCOUNT~~prospectus ~~OPTION~~describes ~~VALUE~~information you should know before you purchase the Policy.

~~The value~~An ofannuity ~~your~~is ~~investment~~a incontract between you (the Owner) and an ~~Index~~insurance ~~Account~~company ~~Option~~(in atthis case, us), where the ~~end~~insurance company promises to pay you an income in the form of annuity payments. These payments begin on a ~~Crediting~~designated ~~Period~~date, isreferred to as the Annuity Commencement Date. Until the Annuity Commencement Date, your ~~Index~~annuity ~~Account~~is ~~Option~~in ~~Value~~the accumulation phase and the earnings (if any) are generally tax deferred. Tax ~~Your~~deferral ~~Index~~means ~~Account~~you ~~Option~~are ~~Value~~not taxed until you take money out of your annuity. Once your Policy is ~~calculated~~annuitized, ~~using~~your annuity switches to the ~~following~~income ~~formula:~~phase.

~~Index~~We currently sell Policies that are “qualified” or “non-qualified” under the Internal Revenue Code. You will get no additional tax advantage from this annuity if you are investing in this annuity through a tax-advantaged retirement plan (such as a 401(k) plan or Individual Retirement Account (“IRA”)). ~~Option~~We ~~Value~~currently =sell ~~Index~~Policies ~~Base~~to xthe following plans: Traditional IRAs, Roth IRAs, SIMPLE IRAs, SEP-IRAs, 457(1f) +plans ~~Index~~(in ~~Credit~~certain ~~Rate~~circumstances) and Section 401(a) plans (including profit sharing plans, defined benefit pension plans, defined contribution pension plans, 401(k) plans, and combination defined benefit/contribution plans). If you purchase the Policy as an individual retirement annuity or as part of a 403(b) plan, 457 plan, a pension plan, a profit sharing plan (including a 401(k) plan, or certain other employer sponsored programs), your Policy is a qualified Policy. If you purchase the Policy as part of any other arrangement, your Policy is a non-qualified Policy.

•The ~~Index~~Policy ~~Credit~~is ~~Rate~~a /“deferred” ~~Index Credit~~annuity. ~~The~~You ~~Index~~can ~~Credit~~use ~~Rate represents~~ the ~~percentage~~Policy ~~gain or loss that we apply~~ to ~~your~~accumulate ~~Index~~funds ~~Account~~for retirement ator ~~the~~other ~~end~~long-term offinancial ~~the~~planning ~~Crediting Period (i~~purposes.~~e.,~~ ~~your Index rate of return).~~ Your ~~gain~~individual orinvestment ~~loss~~and ~~can~~your ~~also~~rights beare ~~expressed~~determined asprimarily aby ~~dollar~~your ~~amount,~~own ~~which we then refer to as the Index Credit~~Policy.

The Policy ~~Index~~is ~~Credit~~a ~~Rate~~“flexible ~~and~~premium” annuity because after you purchase it, you can generally make additional premium payments until the ~~Index~~Annuity ~~Credit~~Commencement ~~may~~Date. Each additional premium payment must be ~~positive,~~at ~~negative,~~least or$50 ~~zero~~unless a different minimum is stated in your Policy. You are not required to make any additional premium payments.

•The Policy is “index-linked” because the value of each Index ~~Base~~Account Option is linked to the performance of an Index. ~~Your~~If you invest in one or more Index ~~Base~~Account ~~generally~~Options, ~~represents~~the amount of money you are able to accumulate under your ~~investment~~Policy depends (at least in part) upon the performance of your Index Account Options. ~~Option~~You could lose a significant amount of money that you allocate to the Index Account Options.

4341

TheTable following is an example of how we calculate your Index Account Option Value at the end of a Crediting Period: Assume you invest $10,000 in an Index Account Option. At the beginning of the Crediting Period, your Index Base is $10,000. At the end of the Crediting Period, your Index Base is still $10,000 if there were no deductions for fees or charges or withdrawals before the end of the Crediting Period. At the end of the Crediting Period, we will apply the Index Credit Rate to your Index Base to calculate your Index Account Option Value. Contents

•We ~~Assuming~~do annot ~~Index~~guarantee ~~Credit~~that ~~Rate~~the ofFixed ~~+10%,~~Account ~~your~~Option ~~Index~~will always be available. If the Fixed Account Option ~~Value~~is available ~~would~~and ~~equal~~you ~~$11,000~~invest ~~(i.e.,~~amounts ~~$10,000~~in xthe (1Fixed +Account ~~10%)~~Option =for ~~$11~~a Crediting Period,~~000)~~ your principal is guaranteed and will earn interest at a guaranteed annual interest rate during that Crediting Period. The ~~Index~~amount ~~Credit~~of ismoney ~~+$1,000~~you are able to accumulate depends upon the total interest credited.

•Do ~~Assuming~~not anpurchase ~~Index~~this ~~Credit~~Policy ~~Rate~~if ofyou ~~-10%,~~plan ~~your~~to ~~Index~~use ~~Account~~it ~~Option~~for ~~Value would equal $9~~resale,

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