1. Variable annuities issued by Transamerica Life Insurance Company in Cedar Rapids, Iowa, and Transamerica Financial Life Insurance Company in Harrison, New York
(Transamerica). Annuities are underwritten and distributed by Transamerica Capital, Inc.
Annuities may lose value and are not insured by the FDIC or any federal government agency. They are not a deposit of or guaranteed by any
bank, bank affiliate, or credit union.
VBRTRIP0513
A Simple Process with a Focus on Income
Transamerica Retirement Income Plus
SM
Variable Annuity

2. The Realities of Retirement
Transamerica is combining its expertise with some of our valued partners to find innovative income solutions for
today’s retirees. Because in the current climate, one in which compounding challenges await retirees, finding
solutions is imperative.
A recent survey revealed 82% of people worldwide worry over how they’ll fare financially in retirement.1
There’s reason for concern.
We’re Living Longer
Average U.S. Life Expectancy2
Social Security Funding is Declining4
The government appointed Board of Trustees’ estimate of
when the Social Security program will not be able to pay
100% of promised benefits
Year
2033
Record Low Interest Rate Products are Failing to Provide Adequate Income3
0.31%
1-Year CD
1.03%
5-Year CD
0.71%
5-Year Treasury
1.65%
10-Year Treasury
0.12%
Money Market Accounts/Savings
1.04%
3-Year Fixed Annuity
2 | Transamerica Retirement Income PlusSM
72.6 years 78.5 years
1975 2012
1
Worried About Outliving Your Money?, www.cbsnews.com, February 19, 2013.
2
Social Security & Pensions, SmartMoney, October 2011 andThe World Factbook, www.cia.gov/library/publications/the-world-factbook/rankorder/2012.html.
3
bankrate.com, federalreserve.gov and annuityratewatch.com, as of August 10, 2012.
4
Trustees Report on Social Security’s Trust Fund, www.ssa.gov, April 23, 2012.

3. 3 | Transamerica Retirement Income PlusSM
Also Consider …
out of every 100 workers
had pensions in 19795
out of every 100 workers
had pensions in 20126
87 17
Private Sector Pensions are Disappearing
Medical Expenses are Skyrocketing
$160,000
$240,000
2002 2012
50% increase in costs since 20027
5
Social Security & Pensions, SmartMoney, October 2011.
6
Retirement Benefits: Access, Participation, and Take-Up Rates, Private Industry Workers, National Compensation Survey, Bureau of Labor Statistics, March 2012.
7
Fidelity Estimates Couples Retiring In 2012 Will Need $240,000 To Pay Medical Expenses Throughout Retirement, fidelity.com, May 9, 2012.
8
Inflation: Taking A Closer Look, www.personal.vanguard.com, February 6, 2012 and www.calculator.net/inflation-calculator.html.
Inflation – The Silent Thief
$1.00Today will be worth
$.78In 10 years
$.61
In 20 years
But keep in mind, the inflation rate over the past 30 years has averaged 4.3%.
At a Conservative 2.5% Inflation Rate8
$.48
In 30 years
While all of these facts and figures can make the challenge of funding retirement seem daunting,
ONE THING IS CLEAR; when you retire, YOU’LL NEED INCOME.
That’s why we created Transamerica Retirement Income PlusSM

4. 4 | Transamerica Retirement Income PlusSM
Focus on Income ...
The Transamerica Retirement Income PlusSM
living benefit has some of the highest lifetime withdrawal rates in the
industry. Maximizing your retirement income can help you enjoy the kind of retirement you’ve earned.
The higher your withdrawal rate, the higher your retirement income.
A Simple Process ...
Planning for retirement does not need to be difficult. We developed Transamerica Retirement Income PlusSM
as a
simple strategy to help you grow and protect your retirement income.
It’s simple. You only have three important decisions to make:
1. You choose whether to include just you, or you and your spouse.
2. You choose your investment options from our diversified, professionally managed lineup.
3. You choose how much you want to contribute to generate guaranteed income.
Then we do the rest.
We offer the opportunity to grow and protect your retirement income in up markets with our notable MonthiversarySM
feature, which looks back at 12 monthly values and steps up the withdrawal base to the highest value. In down
markets, the withdrawal base will receive 5% annual compounding growth for up to 10 years for any year a
withdrawal is not taken.
There are fewer decisions to make, and you get the confidence that comes with knowing you have guaranteed
income for life.
80+ 6.5% 6.0%
65-79 5.5% 5.0%
59-64 4.5% 4.0%
Withdrawals reduce your policy value and your base policy death benefit.
Attained Age Single Life Joint Life*
Withdrawal Percentages:
Fees
Transamerica Retirement Income PlusSM
variable annuity range of fees and charges include 1.30% M&E&A, 1.25% living benefit fee (as a percentage of the
withdrawal base), 0%-8% surrender charges, $0-$50 annual service charge, and investment option management fees.
The living benefit fee percentage may increase at the time of any Automatic Step-Up. The maximum living benefit fee percentage is 0.75% higher than the initial
fee percentage.
*If the living benefit is structured as joint life, the withdrawal percentages are based on the younger of the annuitant or the annuitant’s spouse when withdrawals begin.
Investment options are subject to risk of loss.
All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing insurance company.

5. 5 | Transamerica Retirement Income PlusSM
Do Withdrawal Percentages Matter?
Consider the withdrawal amounts you could receive over 30 years with Transamerica Retirement Income PlusSM
.
If you begin taking withdrawals prior to turning 65 with a 4.5% annual withdrawal percentage, you’ll create
$675,000 of income over 30 years from an initial investment of $500,000.
It’s easy to see how this solution can help you enjoy the retirement you’ve earned.
Before investing, consider a variable annuity’s investment objectives, risks, charges, and expenses. Call 1-800-525-6205 for
a contract and fund prospectus containing this and other information. Please read it carefully.
Financial institutions that sell our products may have their own guidelines to determine suitability of our variable annuity policies and/or benefits. Some
financial institutions may not sell all of our products, may have specific issue ages for our variable annuity policies, and may not have all living and death
benefits available.
All references to spouse may include civil union partners, registered domestic partners, or other similar relationships as recognized by your state. Please
contact a qualified tax advisor prior to purchasing to discuss how these relationships will be recognized for tax purposes.
The living benefit is referred to as the Guaranteed Lifetime Withdrawal Benefit in the contract.
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.ICC12 VA0513, NIC12 VA0513(FL), NIC12 VA0513(NY), RGMD 8
0603, RGMD 8 0513(NY), RGMD 8 0603 (OR), ICC13 RGMB460513(IS), ICC13 RGMB460513(IJ), NIC13 RGMB460513(IS)(FL), NIC13 RGMB460513(IJ)(FL),
NIC13 RGMB460513(IS)(NY), NIC13 RGMB460513(IJ)(NY)
6.5%
Annual Withdrawal Amount
$32,500
5.5%
Annual Withdrawal Amount
$27,500
4.5%
Annual Withdrawal Amount
$22,500
Initial
Investment
$500,000
Transamerica Retirement Income PlusSM
can help.
Many challenges await you in retirement, but proper planning and guidance can help you meet
them. Transamerica Retirement Income PlusSM
focuses on growing and protecting your retirement
income, offering withdrawal rates that are among the highest available. Transamerica Retirement
Income PlusSM
simplifies the process by reducing the choices you must make, removing some of the
complexity around retirement income planning.
A Simple Process with a Focus on Income
The chart above illustrates how different annual withdrawal percentages influence cumulative withdrawal amounts for an individual with a $500,000 investment.
This assumes the individual began taking annual withdrawals immediately. Assumes no market gains, growth to the income base or excess withdrawals.

6. 6 | Transamerica Retirement Income PlusSM
What is a Variable Annuity?
Variable annuities are a long-term investment product
designed for retirement purposes, offering tax-deferred
earnings accumulation, guaranteed lifetime payout options,
guaranteed death benefit options, and a wide selection of
investment options.
Is Transamerica Retirement Income PlusSM
Right
For Me?
We developed Transamerica Retirement Income PlusSM
variable annuity as a simple process to help you grow and
protect your retirement income. One decision you have
to make is to choose between a single or joint life option.
In order to elect a joint life option on the living benefit, the
annuitant’s spouse must either be a joint owner with the
annuitant or the primary beneficiary.
The variable annuity also includes a standard living benefit
that has some of the highest lifetime withdrawal rates in
the industry. Withdrawals must be less than or equal to
the benefit withdrawal amount. The policy may not be
appropriate for you if you do not foresee a need for liquidity
and your primary objective is to take maximum advantage
of the tax-deferral aspect of the policy.
If you annuitize the policy on the maximum annuity
commencement date, you will have the option to receive
lifetime payments that are no less than the withdrawals
allowed by the living benefit. The maximum annuity
commencement date is generally the annuitant’s age
99. Upon the death of the annuitant (or the death of
the surviving spouse if the joint option is elected), or if
you annuitize the policy prior to the maximum annuity
commencement date, the living benefit terminates and
all benefits thereunder cease.
You will begin paying the benefit charge as of the date
the benefit takes effect, even if you do not begin taking
withdrawals for many years, or ever. The charges you
have paid under the benefit will not be refunded if you
never choose to take withdrawals and/or if you never
receive any payments under the benefit.
When Can I Take Withdrawals?
We have designed the living benefit to allow for
withdrawals from your policy value each benefit year.
You should carefully consider when to begin making
withdrawals as there is a risk that you will not begin
making withdrawals at the most financially beneficial
time for you.
The longer you wait to begin making withdrawals, the
higher your withdrawal percentage may be, the higher
the withdrawal base due to growth may be, and the
more opportunities you will have to lock in a higher
withdrawal base. On the other hand, the longer you wait
to start making withdrawals under the living benefit, the
less time you have to benefit from the guarantee because
of decreasing life expectancy as you age.
The policy may not be appropriate for you if you plan to
take withdrawals in excess of the benefit withdrawal amount.
Such excess withdrawals may significantly reduce or
eliminate the value of the guarantee provided by the benefit.
Withdrawals may be subject to surrender charges or excess
interest adjustments; may be subject to ordinary income
tax and may be subject to a 10% additional federal tax if
withdrawn before age 59½; and may be limited or restricted
under certain qualified policies.
How Is My Income Calculated?
Your benefit withdrawal amount is calculated by multiplying
your withdrawal base by the annual withdrawal percentage.
Your annual withdrawal percentage is determined by your
age at the time your first withdrawal is taken. The withdrawal
base is equal to the policy value when the benefit is added,
plus any additional premium payments you make, less any
adjustments for excess withdrawals. Cumulative withdrawals
in any benefit year that are in excess of the benefit withdrawal
amount are excess withdrawals.
The withdrawal base does not establish or guarantee policy
value, surrender value, minimum death benefit or return for
an investment option.
Every benefit anniversary, the withdrawal base is set to
equal the greatest of the current withdrawal base, the
policy value, the highest benefit MonthiversarySM
value, or
the current withdrawal base with 5% compounded growth.
When the withdrawal base is increased due to the policy
value or the highest MonthiversarySM
value, the increase is
called an Automatic Step-Up. Automatic Step-Ups and 5%
compounded growth affect the withdrawal base only and do
not affect policy value or other benefit values.
Can My Income Go Up?
Yes. We understand you want your retirement income
to keep up with inflation and that unexpected costs can
impact your lifestyle in retirement. After you’ve started
taking withdrawals, there is the opportunity for your benefit
withdrawal amount to increase if your investment options
performed well. For each of the 12 months leading up to a
benefit anniversary, Transamerica will record the policy value
on each MonthiversarySM
(e.g., if the policy is purchased on
January 15th
, Transamerica will record the policy value on
the 15th
of each month). On the benefit anniversary date,
Transamerica will consider your policy value and the highest
MonthiversarySM
value and “step-up” your withdrawal base
to the greater of these two values. Future withdrawals will be
based on this new higher withdrawal base, resulting in
a higher benefit withdrawal amount.
Can My Income Go Down?
Not as long as your withdrawals don’t exceed your
annual benefit withdrawal amount. Sometimes, however,
circumstances change and you may find yourself needing
to withdraw more than your withdrawal amount in a given
year. In that event, your future withdrawals will be decreased
because excess withdrawals reduce your withdrawal base.
An excess withdrawal may impact the withdrawal base on
a greater than dollar-for-dollar basis and may cause you
to lose the guarantees of this benefit. Required Minimum
Distributions are not considered excess withdrawals
and will not reduce your withdrawal base. The benefit
MonthiversarySM
component of an Automatic Step-Up is
not applied in benefit years when an excess withdrawal
has been taken. Should the variable annuity’s policy value
fall to zero, you will receive payments up to the amount
allowed under the benefit for life. If an excess withdrawal
causes the policy value to reach zero, the benefit and policy
will terminate.
Questions You May Have?