Transamerica Improves Retirement Income Solutions

Transamerica Life Insurance Company (Transamerica) today introduced an enhanced withdrawal schedule for its Retirement Income ChoiceSM 1.2 and Retirement Income Choice SM 1.4 riders. New clients between ages 65 to 74 who begin taking withdrawals can now receive up to 5% of their withdrawal base annually for life, and those ages 75 and older can receive up to 6% of their withdrawal base. The new percentages - a full point higher than previously available in some cases - can help financial professionals aid their clients in gaining financial security in retirement.

"We are committed to providing competitive products and innovative retirement income solutions while prudently managing our business," said Dave Paulsen, executive vice president and national sales manager for annuities at Transamerica Capital, Inc. "After careful consideration, we have decided that now is the right time for a product improvement that offers individuals additional assistance in meeting their goal of achieving a comfortable retirement."

The new withdrawal schedule arrives shortly after Transamerica added 16 new investment options to its variable annuity platform in November. The portfolios, from five experienced money managers with a range of investment expertise, provide additional diversification across a variety of disciplines.

The Retirement Income ChoiceSM 1.2 and 1.4 riders continue to offer The Power of 12SM - the industry's only automatic reset based on clients' best MonthiversarySM value each year - during both accumulation and withdrawal periods. And, both riders still offer compounding 5% withdrawal base growth based on the previous year's highest MonthiversarySM value.

Financial professionals interested in learning more should contact the Transamerica sales desk at 1-800-851-7555. Investors should contact the customer care group at 1-800-525-6205.

Variable annuities are long-term financial vehicles designed for retirement purposes and contain underlying investment portfolios that are subject to market fluctuation, investment risk and possible loss of principal. Please consider variable annuity investment objectives, risks, charges, and expenses carefully before investing. The contract and underlying fund prospectus contain this and other information about the annuity. Please call 1-800-525-6205 to obtain a prospectus and read it carefully before investing. Annuities issued by: Transamerica Life Insurance Company, Cedar Rapids, IATransamerica Financial Life Insurance Company, Purchase, NYUnderwritten and distributed by: Transamerica Capital, Inc. About Transamerica Transamerica companies market an array of life insurance, annuities, retirement solutions and investments designed to help individuals, families, and businesses build, protect and preserve their assets. The Transamerica companies are members of the AEGON group, an international life insurance, pension and investment group, based in The Hague, The Netherlands. For more information about Transamerica, visit www.transamerica.com. About Transamerica Capital, Inc. Transamerica Capital, Inc. is the underwriting and wholesaling broker/dealer for Transamerica Life Insurance Company variable annuities. The company works with financial professionals at wirehouse, regional, independent, and bank firms to provide a variety of insurance and investment solutions. About AEGON N.V. AEGON has businesses in over 20 markets in the Americas, Europe and Asia. AEGON companies employ approximately 29,000 people and have over 40 million customers across the globe.

Respect, quality, transparency and trust constitute AEGON's core values as the company continually strives to meet the expectations of customers, shareholders, employees and business partners. AEGON is driven to be a leading force in global financial services. For more information about AEGON, visit www.aegon.com.

All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.

Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 591/2, a 10% federal tax penalty may apply.

Transamerica variable annuities' range of fees and charges include 0.60%-1.90% M&E&A, 0%-9% surrender charges, $30-$35 annual fee, and subaccount management fees. A fund facilitation fee of up to 0.30% may apply for certain subaccounts.

Retirement Income ChoiceSM 1.2 rider and Retirement Income ChoiceSM 1.4 rider initial fees range from 0.40%-1.75%, depending on which benefits are chosen. Investment options may be limited.

The rider fee percentages may increase after the first five rider years with an automatic step-up. The maximum rider fee allowed is 0.75% higher than the fees shown.

Guaranteed annual 5% withdrawal base growth does not apply in years when a withdrawal is taken.

Transamerica Financial Life Insurance Company is licensed in New York.

All policies, riders, and forms may vary by state, and may not be available in all states. RGMB 35 0109, RGMB 36 0109, RGMB 35 0109 (IS)(FL), RGMB 36 0109 (IS) (FL), other versions also available, RGMB 35 0210R (IS)(OR), RGMB 35 0210R (IJ)(OR), RGMB 35 0210R (AS)(OR), RGMB 35 0210R (AJ)(OR) RGMB 36 0210R (IS)(OR), RGMB 36 0210R (IJ)(OR), RGMB 36 0210R (AS) (OR), RGMB 36 0210R (AJ)(OR), RGMB 35 0109 (IS) (NY), RGMB 35 0109 (AS) (NY), RGMB 35 0109 (IJ) (NY), RGMB 35 0109 (AJ) (NY) RGMB 37 0809, RGMB 38 0809, RGMB 37 0809 (IS) (FL), RGMB 38 0809 (IS) (FL), other versions also available, RGMB 37 0210R (IS)(OR), RGMB 37 0210R (IJ)(OR), RGMB 37 0210R (AS)(OR), RGMB 37 0210R (AJ)(OR), RGMB 38 0210R (IS)(OR), RGMB 38 0210R (IJ)(OR), RGMB 38 0210R (AS)(OR), RGMB 38 0210R (AJ)(OR) RGMB 37 0809 (IS) (NY), RGMB 37 0809 (AS) (NY), RGMB 37 0809 (IJ) (NY), RGMB 37 0809 (AJ) (NY)

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