Transamerica Life Insurance Company v. Caramadre et al
Filing
2
EXHIBIT B (Annuity Brochure) by Transamerica Life Insurance Company in support of #1 Complaint. (Duhamel, John)
Transamerica Life Insurance Company v. Caramadre et al
Doc. 2
Featuring Strategic Allocation by Morningstar Associates'
Issued by:
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Transamerica Landmark Product Summary
W h a t is a variable annuity?
I f you're currently preparing f o r retirement, it's important t o realize that the choices you make today can come back t o help y o u - o r h u r t y o ~ n the future. A variable annuity is one option t h a t can p l a y a valuable role in helping y o u plan f o r your retirement needs. Understanding h o w a variable annuity works is an essential p a r t o f that planning process. A variable annuity is a long-term financial vehicle designed f o r retirement. It's a contract between you and an insurance company: you pay the insurance company a sum o f m o n e y - - e i t h e r in a lump sum o r over a period o f t i m e - i n return f o r guaranteed payments later in your life. Variable a n n u i t i e s o f f e r f o u r m a i n features: · Tax-deferral. A variable annuity allows the interest, dividends, and capital gains on your investment t o accumulate w i t h o u t incurring taxes. Withdrawals, however; w i l l be subject t o ordinary income taxes and, i f taken prior t o age 59~, a 10% federal tax penalty may apply. · G u a r a n t e e d l i f e t i m e p a y o u t o p t i o n s . A f t e r an accumulation period, the resulting value o f your deferred annuity can be converted t o a series o f periodic payments t h a t are guaranteed t o last f o r your entire life. · G u a r a n t e e d d e a t h b e n e f i t o p t i o n s . These optional benefits can potentially shield your annuity assets from the effects o f poor market conditions, providing protection f o r your beneficiaries. · M U l t i p l e i n v e s t m e n t o p t i o n s . You can choose from a variety o f investment options. called subaccounts, t h a t allow you t o participate in the bond and stock markets. Since these markets can move up and down, performance is called "variable. n Investment options are subject t o market fluctuation, investment risk, and possible loss o f principal. A t any time, you could receive less than the total o f all premium payments.
Please consider variable a n n u i t y i n v e s t m e n t objectives, risks, charges, a n d expenses carefully b e f o r e investing. The c o n t r a c t a n d u n d e r l y i n g f u n d prospectuses c o n t a i n this a n d o t h e r i n f o r m a t i o n a b o u t t h e annuity. Please call 7-800-525-6205 t o o b t a i n a prospectus a n d r e a d i t carefully b e f o r e y o u i n v e s t
All g u a r a n t e e s a r e based o n t h e c l a i m s - p a y i n g a b i l i t y o f Transamerica L i f e Insurance Company. G u a r a n t e e s d o n o t a p p l y t o t h e i n v e s t m e n t o p t i o n s .
Is Transamerica L a n d m a r k r i g h t f o r you?
Transamerica l a n d m a r k is a flexible-premium variable annuity issued by Transamerica Life Insurance Company (Transamerica). It may be able to help you meet retirement challenges by providing features to help build and protect your retirement assets. Remember; the way you plan your finances today will come back to you in the future, and you want your decisions to help you and your loved ones. W h e n y o u p u r c h a s e a T r a n s a m e r i c a l a n d m a r k Variable Annuity y o u w i l l e n j o y m a n y benefits, including:
· A product that may help you grow assets for retirement.
· Investment options ranging from capital preservation to growth, expertly managed by some of the leading money management firms in the financial industry. These in dude asset allocation subaccounts using Strategic Allocation by Morningstar Associates. t · The option to choose a living benefit that can provide withdrawals for life. · Optional death benefits designed to protect your beneficiaries.
: inveStment timeframe; ;aridothefretiremenfa:ssets yoi.nnay have;Variable annuities-are:_ ; subj~(ftq inVestmerif~sk;: iridUdfiij:possible lossofpdnapaVDue toff~ting:maFkeF ;:: -:: _ :~~9i~19rw yotir:~:Va'~~~y:~~mpr~Ci, i~s)h~n-~~~_tci>~~ :Prerp'U,firj:il:icaple:: tf :ah: ~_rirjl.jiW.i~ r!gn,tfqt YQt;I:_: __ . _
This brochure was p r e p a r e d t o s u p p o r t t h e promotion and m a r k e t i n g o f Transamerica annuities. Transamerica, its distributors, and t h e i r respective representatives d o n o t provide tax, accounting, o r legal advice. Any tax s t a t e m e n t s contained h e r e i n w e r e n o t intended o r w r i t t e n t o be used. a n d c a n n o t b e used for t h e purpose o f avoiding u.s. federal. state, o r local t a x penakies. Please c o n s u k w i t h your o w n i n d e p e n d e n t advisor as t o any tax. accounting, o r legal s t a t e m e n t s m a d e herein.
Transamerica Landmark Features
Transamerica l a n d m a r k offers a variety of standard features that make managing your annuity easier. It also gives you the opportunity t o customize your annuity with optional living and death benefits that give you additional choices for providing guaranteed withdrawals for life and passing along your annuity assets t o loved ones. Not all features described in this summary are available in all states and may vary by state. Check with your investment professional for availability.
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Protect Assets for Loved Ones
Transamerica's standard and optional death benefits can help you pass along more o f y o u r investment t o your loved ones a f t e r you're gone. Here are t h e options available: · R e t u r n o f P r e m i u m . Transamerica Landmark. comes standard w i t h this death benefit, w h i c h w i l l pay y o u r beneficiaries the total o f all premiums paid, less any adjusted partial withdrawals. · D o u b l e E n h a n c e d . This death b e n e f i t w i l l p a y o u t the greater o f 6 % Annual C o m p o u n d i n g o r M o n t h l y Step-Up. 6 % Annual C o m p o u n d i n g pays y o u r benefidaries an a m o u n t equal t o y o u r total premiums, less any adjusted partial withdrawals, accumulated a t an effective annual rate o f 6 % . Compounding occurs u n t i l the earlier o f the annuitant's date o f death o r 8 1 " birthday. M o n t h l y Step-Up guarantees an a m o u n t equal t o t h e highest policy value o n the policy date o r any m o n t h l y anniversary, plus premiums and less any adjusted partial withdrawals t h a t occur a f t e r the m o n t h l y anniversary w i t h the highest policy value. A f t e r t h e a n n u i t a n t t u r n s 81, t h e b e n e f i t will increase by premiums and decrease by adjusted partial withdrawals, b u t will n o longer step u p in value. The applicable charge f o r this death benefit w i l l continue t o be deducted even a f t e r the stepping u p stops. The death benefit must be elected a t t h e time o f purchase, before age 76. Investment options w i t h this death benefit are limited. This death b e n e f i t is n o t available in conjunction w i t h any living benefits. · A n n u a l S t e p - U p . This guarantees a death benefit equal t o t h e largest policy value o n t h e policy date o r any policy anniversary, plus premiums and less any adjusted partial withdrawals t h a t occur a f t e r the highest policy anniversary. A f t e r the a n n u i t a n t turns 81, t h e b e n e f i t w i l l increase by premiums and decrease by adjusted partial withdrawals, b u t w i l l n o l o n g e r step u p in value. The applicable charge f o r this death benefit w i l l continue t o be deducted even a f t e r t h e stepping u p stops. This d e a t h benefit must be elected a t the t i m e o f purchase, before age 76. Death benefits are only effective p r i o r t o annuitization and are subject t o o t h e r conditions. Death benefit proceeds are taxable t o the beneficiary. The adjustments due t o partial withdrawals w i l l reduce t h e death b e n e f i t a m o u n t i n direct proportion, o r d o l l a r f o r dollar, t o t h e percentage t h e policy value was reduced, assuming t h e policy value is less than t h e death benefit value. This can increase the a m o u n t deducted f r o m t h e death benefit t o be more than t h e amount withdrawn.
Access to Your Policy
Transam erica L a n d m a r k offers a variety o f ways t o access y o u r policy value w i t h o u t a surrender charge or Excess Interest Adjustment. These features are all available a t n o additional charge w h e n you purchase this variable annuity. · Nursing care and Terminal Condition W i t h d r a w a l s . On o r a f t e r t h e policy date, i f you o r y o u r spouse were t o be confined t o a h o s p i t a l o r nursing f a c i l i t y f o r 3 0 consecutive days, o r diagnosed w i t h a terminal c o n d i t i o n w i t h less than one year t o live, you could tap i n t o your l a n d m a r k annuity. A m i n i m u m w i t h d r a w a l o f $1,000 applies. · P a r t i a l W i t h d r a w a l s . You may take u p t o t h e g r e a t e r o f 1 0 % o f y o u r premium payments ( $ 5 0 0 minimum) o r any gains in the policy once each year. · U n e m p l o y m e n t W a i v e r . It you become unemployed, you may be able t o take withdrawals fro m your policy. A $ 5 , 0 0 0 m i n i m u m cash value is required a t time o f surrender. Conditions apply. See t h e prospectus f o r details. · S y s t e m a t i c P a y o u t . You may take monthly, quarterly, semi-annual. o r annual w i t h d r a w a l s ($50 minimum) o f u p t o the greater o f the gains in the policy o r 1 0 % o f t h e premium payments annually.
M a n a g e Your Investment Options
In addition t o professional money management by M o r n i n g s t a r Associates', Transamerica l a n d m a r k offers the f o l l o w i n g features t o make managing y o u r variable annuity easy: · A u t o m a t i c Asset Rebalancing. This feature helps you maintain the asset allocation balance you've selected by automatically transferring money between your subaccounts o n a regular b a s i s always a nontaxable e v e n t - s o your original allocation objectives are maintained. · G u a r a n t e e d P e r i o d O p t i o n s . Guaranteed Period Options (GPOs) are guaranteed interest periods o f t h e fixed account. GPOs o f one. three, five, and seven years are available i n m o s t states. An Excess Interest Adjustment may apply i f withdrawals are taken from a G PO p r i o r t o its maturity date. This could increase o r decrease the amount w i t h d r a w n . · Transfers. During the accumulation phase. you are allowed 12 free transfers between subaccounts each year. N o market t i m i n g is allowed. A $10 fee may apply f o r each additional transfer. · D o l l a r C o s t A v e r a g i n g . This allows you t o gradually invest over a period o f time, systematically buying more units w h e n prices are l o w and f e w e r units w h e n prices are high. This can potentially l o w e r t h e average cost o f your variable units. Keep in m i n d t h a t dollar cost averaging does n o t guarantee a p r o f i t o r p r a t e d against loss in a declining market. Should you elect t o make transfers f r o m the Fixed Account, any fixed rates credited will be paid o n dedining balances resulting in a significantly l o w e r effective rate. You should also carefully consider your financial ability t o continue payments through periods o f b o t h l o w and high price levels. A l l g u a r a n t e e s a r e based o n t h e c l a i m s - p a y i n g a b i l i t y o f Transamerica l i f e Insurance Company.
Invest Strategically
When you purchase the Transamerica Landmark Variable Annuity, you can choose from a wide selection o f subaccounts. These subaccounts range from capital preservation t o growth, and are managed by some of the leading money management firms in the financial industry. Transamerica Landmark offers five asset allocation subaccounts managed by Morningstar Associates that provide an easy way t o diversify your premiums. Diversification spreads your money across asset classes and equity styles. This process may help reduce the risks o f inflation and market v o l a t i l i t y two factors that inhibit the growth o f your portfolio. Keep in mind that asset allocation does n o t ensure a profit or guarantee against a loss.
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The M o r n i n g s t a r Associates asset a l l o c a t i o n process is as f o l l o w s :
· Monitor for style d r i f t and stock overlap. · Rebalance with daily net cash flows.
· Design t h e asset allocation subaccounts. · Select the underlying investment options.
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Asset Allocation - Growth Portfolio is not available with the Double Enhanced Death benefit.
The aUocations s h o w n above are approximate t a r g e t allocations and are subject t o change. M o r n i n g s t a r Associates. l t C . a w h o l l y OIIIII1ed subsidiary o f Morningstar, Inc. a n d registered investment advisor, acts as t h e p o r t f o l i o construction manager t o r the portfolios. Morningstar A s s o d a t e s is n o t a c t i n g in the capacity o f a n advisor to individual investors.
Please consider variable a n n u i t y investment objectives, risks, charges, a n d expenses carefully b e f o r e investing. The contract and u n d e r l y i n g f u n d prospectus contain t h i s and o t h e r i n f o r m a t i o n a b o u t t h e annuity. Please call 1-800-525-6205 t o o b t a i n a prospectus and read i t carefully b e f o r e investing.
Withdrawals are subject to ordinary income tax and, i f taken prior t o age ~9~, a 1 0 % federal tax penalty may apply. All policies, riders, and forms may vary by state, and may n o t be available i n all states. A V 9 2 0 1 0 1 168 603, AV924 101 1 6 8 6 0 3 , Oregon AV1068 101 168 603, KGMO 8 0 6 0 3 , RGMD 8 0 6 0 3 (OR), RGMLJ ~ 0 1 0 3 , RGMD ~ 0103 (~l). RGMLJ ~ 0103 (OR), RGMO 1~ 0108, KGMD 1~ 0 1 0 8 (~l>' RGMLJ 1~ 0 1 0 8 (OR) , M o r n i n g s t a r A s s o d a t e s . l l C , a r e g i s t e r e d i n v e s t m e n t advisor a n d w h o l l y o w n e d s u b s i d i a r y o f Morningstar, Inc., serves as p o r t f o l i o construction manager t o t h e asset allocation portfolios. Morningstar Assodates is n o t acting i n the capadty o f an advisor t o individual investors. I h e M o r n i n g s t a r name and logo are registered marks o f Morningstar, Inc. All o t h e r marks are t h e property o f their respective owners. Morningstar Associates, l l C a n d i t s affiliates are n o t affiliated w i t h lransamerica l i f e Insurance Company o r its affiliates.
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I ransamerica l i f e Insurance Company is a member o f the Insurance Marketplace Standards Association (JMSA). IMSA is an i n d e p e n d e n t organizatiOn t h a t was established t o maintain high standards o f m a r k e t c o n d u c t f o r indiVidually sold life and annuity products. Rigorous membership requirements and adherence t o IMSA"s Principles and Code o f I:thical M a r k e t C o n d u c t d e m o n s t r a t e o u r c o m m i t m e n t t o t h e h i g h e s t market and business standards.
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Not insureN amount. it is caDed an automatic step-up. With t h e automatic step-up your dient will not have t o keep trade: of each of these values. and your dient!; WB will b e adjusted to reflect the highest of these amounts. Note that i1utomatic step-ups affect the WB only a n d d o not affect policy value or other r e e r values. The growth period and withdrawal percentage will not reset with a n automatic step-up. T h e rider fee percentage m a y increase after the first five rider years with a n automatic step-up. Your dient win have 30 days after the rider amiversary to reject an automatic stl!l'Up, and retlin the right to all future automatic sle\:XJps if they reject one. The maximum rider fee allowed is 0 . 7 5 % higher t h a n t h e initi31 fee. M a n u a l Upgrades. Retirement Income Choice can b e manual~ upgraded during the 30-day window folbwing each fifth year rider anniversary. With a manual upgrade, the withdrawal percentage can be increased if the annuitant has entered a new a g e bracket. a n d t h e growth benefit will reset to a new l o - y e a r period. The current rider will terminate a n d a n e w o n e wal b e issued when the rider is upgraded. The new rider w i . have its o w n terms a n d conditions. a n d t h e fee and growth rate may b e different. I m p o r t a n t I n f o r m a t i o n : The Withdrawal Ba~ (WB) is equal t o t h e policy value when the rider is a d d e d , plus any additional premiums, and less any adjustments for excess withdrawals after t h e rider is a d d e d . If t h e rider is added in t h e first policy year, the WB does n o t include a~ premium enhancements. if applicable. After the first rider year. the WB may be increased b y the automatic step-up feature and/or t h e rider growth percentage. Your client must wait until t h e rider year after they tu m 5 9 t o begin withdrawals. If t h e rider is purchased prior t o age 59, however, t h e rider fee wal still apply. Retirement Inrome Choice withdrawals reduce t h e policy value. death benefits. a n d o t h e r annuity yalues. The rider may be added anytime between ages 0-85 and terminated within 30 days folbwing each fifth year rider anniversary. On the maximum annuity commencement d a t e the rider terminates. Your d i e n t w i l have t h e option to receive lifetime income payments t h a t are no less than the rider withdrawal amount. Retirement InaJme Choice's 5 % growth rate applies only to t h e WB; it does not apply to policy Yalue, optional death benefits. o r o t h e r annuity values. Investment options with this rider are limited. See rider a n d prospectus for details. Guaranteed Principal Solution (GPS) For an additional fee this option packages three separate guarantees into o n e rider. The rider provides a Principal Protection accumulation benefit on t h e 10" rider anniversary. a 7 % "Principal B a d e withdrawal benefit. and a 5 % "For Life" withdrawal b e n e f i t Offers t h e flexibility t o switch between the withdrawal guarantees o f this rider a t any time. The annuitant may begin taking 5 % "For Life" withdrawals o n the rider anniversary following their 5 9 " birthday. We will transfer amounts from the subaccounls into the Portfolio Allocation Method (PAM) investment option if the p o k y yalue falls b e b w a certain level and back to the ClJ"rent subaccounts on a pro-rata basis when t h e po6cy yalue increases sufficiently. Funds in t h e PAM investment option may n o t move back into t h e market quickly during market upturns and this may result in n o t being able to fully participate in the market's grCMIth. ~Principal" protection refers t o "premium~ when the rider is added on the policy d a t e a n d "policy value" if the rider is added thereafter, less any premium enhancements if a d d e d during the first policy year. f h e policy value may be more or less t h a n t h e premiums paid. The guarantee may not apply to all additional contributions and restrictions apply. Not available in all states and conditions apply. See rider a n d prospectl!s for detais. Only o n e living b e n e f r t r i d e r is a v a i l a b l e o n a policy a t a t i m e . Withdrawals in excess o f the rider withdrawal amount wal result in a decrease in the dollar a m o u n t of withdrawals available under the rider. Withdrawals may be subject t o surrender charges. O t h e r Benefits: Liquidity Rider This optional rider aHows for a reduced SUlTender charge schedule from seven to four years for each premium payment. The surrender charge schedule is 8 % . 8 % . 7 % . a n d 6 % . This rider provides greater flexibility when taking withdrawals from the policy. Access Rider This optional rider will. for an additional fee, enhance liquidity by eiminating all surrender charges associated with the product. For Civil union partners o r o t h e r similar relationships, please contact a qualified tax advisor prior to purchasing. All g u a r a n t e e s a r e b a s e d o n t h e c l a i m s - p a y i n g a b i l i t y o f Transamerica U f e I n s u r a n c e Company.
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· Return o f Premium Death Benefit: 1.30%. Issue age 0-90. · Annual Step-Up Death Benefit: 1.50%. Issue age 0-75. · Double Enhanced Death Benefit: 1 . 9 5 % . Issue age 0-75. M&E&A is deducted daily and is equal t o the percentage o f t h e subaccnunt5 annualy. The M & E & A a f t e r annuitization is 1.25% annually.
Death B e n e f i t Options
M o r t a l i t y & Expense Risk Fee & A d m i n i s t r a t i v e Charge ( M & E & A )
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The initial fees are deducted annually as a percentage o f the WB on each rider anniversary (pro-rated a t rider tennination). The Income Enhancement o p t i o n is in addition t o t h a t o f the !:lase Hider. Issu e age 0-85.
GPS Rider:
. 0 . 6 0 % currently o f the -i>rinq,al Bade lotal Withdrawaillase (IWB) o n each rider anniversary (pro-fated at rider termination). Issue age 0-80.
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· 0-85 a n n u i t a n t a n d / o r owner.
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· Return o f Premium Death Benefit: 1.65%. Issue age 0-90. · Annual Step-Up Death Benefit: 1.85%. Issue age 0-75. · Double Enhanced Death Benefit: 2.30%. Issue age 0-75.
· Return o f Premium Death Benefit: 1.65%. Issue age 0-85. · Annual Step-Up Death Benefit: 1 . 8 5 % . Issue age: 0-75. · Double Enhanced Death Benefit: 2 . 3 0 % . Issue age: 0 · 7 5 .
M&E&A is deducted daily and is equal t o the percentage o f the subaccounts annually. The M&E&A a f t e r annuitization is 1.25% annually.
M&E&A is deducted daily and is equal t o the percentage o f the suoocn'(A6C)ltide/::
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Additiooal DeathOisti'ibUtiOn:(ADD} Ridei·:···
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P " < e m e n t I n c o m e C h o i c e Rider:
~dSe Rider
R e t i r e m e n t I n c o m e C h o i c e Rider:
Single 0.60%
I n c o m e ~nhancement B e n e f i t
0.1 ~%
Joint 0.90% 0.30%
Single Base Rider Income l : n h a n c e m e n t Benefit
Joint
0.60%
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0.90% 0.30%
The initial fees are deducted annually as a percentage o f t h e WB o n each rider anniversary (pro-rated a t rider termination). The Income Enhancement o p t i o n is in a d d i t i o n t o t h a t o f t h e ~ e Kider. . Issue age 0-85. GPS Rider:
The initial fees are deducted annually as a percentage o f the WB on each rider anniversary (pro-rated a t rider t e r m i n a t i o n ) . The Income Enhancement o p t i o n is . in a d d i t i o n t o t h a t o f t h e Base /{jder. Issue age 0-85.
GPS R i d e r :
· 0.60% currently o f the " f t i n c i p a l l l a c i C I W B on eoch rider amiversa'Y (pro-rated a t rider terminatbn).
. 0 . 6 0 % currently o f the "l'rincipaIBad::" I Wil on each rider anniversary (plO-fated at rider terminatbn). Issue age D-80.
· ~3:Sub s e g u e n t . .
I)remium :payments: :
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t o t h e o b j e c t i v e o f the p o r t f o l i o . Investing internationally exposes investors t o additional risks n o t associated w i t h investing domestically. A portfolio that invests in aggressive, srnall-cap stocks may involve more volatility and risks. Portfolios t h a t seek aggressive gn:wt:h entail more volatility and risk than other investments. Investments in lower-rated d e b t securities present greater risk t o principal and income than investments in higher-<1uality securities. A l l investment in a money m a r k e t p o r t f o l i o is neither insured n o r guaranteed by the Federal Deposit Insurance C o r p o r a t i o n o r any o t h e r government agency. A l l h o u g h the money market p o r t f o l i o seeks t o preserve the value o f the investment at $1.00 per share. i t is possible t o lose money by investing in this p o r t f o l i o . Investing in real estate poses certain risks related to overall and :;pecific economic r o n d i t i o n s , ' as w e i as risks related t o an individual prq>erty, credit risk., and interest rate fluduations. The p o r t f o l b is non-
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o n t h e d a i r n s - p a y i n g a b i l i t y o f Transamerica U f e Insurance Company.
Withdrawals reduce the Double Enhanced Death Benefit o n a dollar-for-dollar basis f o r annual withdrawals u p t o 6 % . Withdrawals are based o n the annual c o m p o u n d i n g value at t h e beginning of each policy year. A w i t h d r a w a l adjustment w~1 apply t o annual w i t h d r a w a l s in excess o f 6 % o n the Double Enhanced Death Benefit and for all w i t h d r a w a l s on t h e Annual Step-Up and Return o f Premium Death Benefits. The adjustment reduce t h e death b e n e f i t a m o u n t in direct p r o p o r t i o n t o t h e percentage t h e policy value was reduced, assuming t h e policy value is less than the death b e n e f i t value. This can increase the a n o u n t deducted from t h e death benefit. C u r r e n t w i t h d r a w a l s decrease policy value and f u t u r e withdrawals. Assumes policy value never equals zero.
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A l l policies, riders, a n d f o r m s may vary by
state.
and may n o t b e available in all states.
AV920101 1 6 8 6 0 3 , AV924 101 168 603, OrE!90n A V 1 0 6 8 1 0 1 1 6 8 603, AV1140 101 1 9 2 6 0 4 , AV1332101 1 9 2 6 0 4 , Oregon AV1375 101 1 9 2 6 0 4 . AV864 101 1 6 5 1 0 3 , AV893 101 1 6 5 1 0 3 . Oregon AV1372 101 165 103, AV950 101 1 7 5 6 0 3 , AV959101 1 7 5 6 0 3 , Oregon AV1360 101 1 7 5 6 0 3 , RGMD 8 0 6 0 3 , RGMD 8 0 6 0 3 (OR). RGMD 1 5 0 1 0 8 . RGMD 15 0 1 0 8 (FL). RGMD 1 5 0 1 0 8 (OR). RGMD 5 0 1 0 3 . RGMD 5 0 1 0 3 (FL), RGMD 5 0103 (OR). RGMB 4 0504, RGMB 4 0 5 0 4 ( F i t RGMB 4 0 5 0 5 (OR), RTP 1B 0103, RIP 1 8 0 1 0 3 (OR). RTP 1 7 0103. RTP 1 7 0 1 0 3 (OR), RLS 2 102. RlS 2 102 (OR), RGMB 27 0108, RGMB 2 9 0 1 0 8 , RGMB 2 7 0 1 0 8 (IS)(Fll. RGMB 2 9 0 1 0 8 (ISXFO. o t h e r versions also available. RGMB 27 010B (IS)(OR). RGMB 27 0 1 0 8 (UXOR). RGMB 27 0 1 0 8 (AS)(OR), RGMB 2 7 0 1 0 8 (AlXOR). RGMB 2 9 0 1 0 8 (ISXOR), RGMB 2 9 0 1 0 8 (UXOR), RGMB 2 9 0 1 0 8 (AS)(OR), RGMB 2 9 0 1 0 8 (AI)(OR) Transamerica Life Insurance Company is a m e m b e r o f t h e Insurance Marketplace Standards Association (IMSA). IMSA is an i n d e p e n d e n t organization t h a t was established t o maintain high standards o f m a r k e t c o n d u c t f o r individually sold life and annuity products. Rigorous membership requirements and adherence t o IMSA's Prindples and Code o f Ethical M a r k e t C o n d u c t demonstrate o u r c o m m i t m e n t t o t h e highest m a r t e l and business standards .
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