Form 485APOS TRANSAMERICA LIFE INSURA

Article

May 15, 2025 12:41 PM EDT

E-mail

File No. 333-284296

As filed with the Securities and Exchange Commission on May 15, 2025

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

Form N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933


Pre-Effective Amendment No. _		☐
Post-Effective Amendment No. 4		☒

(Check Appropriate Box or Boxes)

Transamerica Life Insurance Company

(Name of Insurance Company)

6400 C Street SW

Cedar Rapids, IA 52499

(Address of Insurance Company’s Principal Executive Offices) (Zip Code)

Insurance Company’s Telephone Number, including Area Code: (319) 355-8511

Brian Stallworth, Esq.

Transamerica Life Insurance Company

c/o Office of the General Counsel

6400 C Street SW

Cedar Rapids, IA 52499-4240

Telephone Number: (319) 355-8511

(Name, Address, including zip code, and telephone number, including area code, of Agent for Service)

Approximate Date of Proposed Public Offering: Continuously after the registration statement becomes effective.

It is proposed that this filing will become effective:

☐ immediately upon filing pursuant to paragraph (b)

☐ on May 1, 2025 pursuant to paragraph (b)

☐ 60 days after filing pursuant to paragraph (a)(1)

☒ on August 18, 2025, pursuant to paragraph (a)(1) of Rule 485 under the Securities Act of 1933 (“Securities Act”).

If appropriate, check the following box:

☐ This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

Check each box that appropriately characterizes the Registrant:

☐ New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing)

☐ Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 (“Exchange Act”))

☐ If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act.

☒ Insurance Company relying on Rule 12h-7 under the Exchange Act

☐ Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)

Explanatory Note

Registrant is filing this post-effective amendment (the “Amendment”) for the sole purpose of supplementing the prospectus and Statement of Additional Information dated May 1, 2025, for the Transamerica Structured Index Advantage Annuity Registration Statement. The Amendment is not intended to amend or delete any part of Part A or Part B to the Registration Statement, except as specifically noted herein. Parts A and B included in Post-Effective Amendment No. 3 to the Registration Statement (File No. 333-284296) are hereby incorporated by reference to the extent required by applicable law. A new Part C is included in the Amendment.

The information in this supplement is not complete and may be changed. We may not sell securities using this supplement until the amended registration statement filed with the Securities and Exchange Commission is effective. This supplement is not an offer to sell securities and is not soliciting an offer to buy securities in any state where the offer or sale is not permitted.

TRANSAMERICA STRUCTURED INDEX ADVANTAGE^® ANNUITY

An Individual Flexible Premium Deferred Index-Linked Annuity Policy

Issued by

Transamerica Life Insurance Company

Supplement dated [ ], 2025

to the

Prospectus dated May 1, 2025

This supplement updates certain information contained in the prospectus. Please read this supplement carefully and retain it for future reference. Capitalized terms not defined in this supplement have the same meanings as in the prospectus.

CHANGES TO THE POLICY

NEW INDEX ACCOUNT OPTIONS

Beginning August 18, 2025, several new Index Account Options will be available under the Policy. We refer to these new Index Account Options as “Triple Edge Advantage” or “Dual Direction” in the Policy form and our marketing materials. Each is linked to the performance of an existing Index; has a Crediting Period of 1, 2, or 6 years; has Buffer as the Downside Protection Type (with a Buffer Rate of 10%); and a new Growth Opportunity Type: Edge and Edge+. The Edge and Edge+ Growth Opportunity Type has an associated Edge Rate and Edge+ Rate.

The new Index Account Options provide for investment gain at the end of a Crediting Period if the Index Change is positive, zero, or to a limited extent, negative. A negative Index Change in excess of the Buffer Rate will result in loss.

●

If the Index Change is positive or zero, the Index Credit will be positive. The Index Credit Rate will equal the Edge+ Rate.

●

If the Index Change is negative, but does not exceed the Buffer Rate, the Index Credit will be positive. The Index Credit Rate will equal the Edge Rate.

●

If the Index Change is negative, and does exceed the Buffer Rate, the Index Credit will be negative. The Index Credit Rate will equal the negative Index Change in excess of the Buffer Rate.

Under the new Index Account Options, the Edge Rate and Edge+ Rate represent a fixed potential return. In no event will a positive Index Credit Rate, if any, differ from the Edge Rate or Edge+ Rate, as applicable. This may result in you earning less than the Index’s return. Edge Rates and Edge+ Rates under the new Index Account Options will vary from one Crediting Period to the next, subject to guaranteed minimums. The lowest Edge Rate and Edge+ Rate that may be established under the Policy is 2%.

You should understand that while the Edge and Edge+ Growth Opportunity Type may provide for a positive Index Credit in the event of negative Index performance, there is no guarantee of investment gain. A negative Index Change in excess of the Buffer Rate will result in loss, which could be significant. At the end of a Crediting Period for any of the new Index Account Options, the maximum amount of loss that you could experience from negative Index performance is 90%.

Please see “Revisions to the Prospectus” below for additional information about the new Index Account Options, including examples.

REVISIONS TO THE PROSPECTUS

Each of the prospectus revisions below are effective August 18, 2025.

I. Cover Page

The third paragraph of the bullet labeled “Index Account Options” (including the associated sub-bullets) is replaced with the following:

Each available Index Account Option also has either a (i) Cap; (ii) Participation; or (iii) Edge and Edge+ upside feature, which will be used to calculate any positive Index rate of return that may be credited to your investment at the end of a Crediting Period. Cap

Rates, Participation Rates, and Edge Rates and Edge+ Rates vary by Index Account Option and generally change from one Crediting Period to the next, subject to guaranteed minimums.

^○

We will limit the amount you can earn on an Index Account Option based on the Cap Rate, Participation Rate, or Edge Rate and Edge+ Rate that we declare for the Crediting Period.

^○

The lowest Cap Rate that may be established under the Policy is 2%.

^○

For Policies with applications signed prior to May 1, 2024, the lowest Participation Rate that may be established under the Policy is 50%. For Policies with applications signed on or after May 1, 2024, the lowest Participation Rate that may be established under the Policy is 10%.

^○

The lowest Edge Rate and Edge+ Rate that may be established under the Policy is 2%.

II. Glossary of Terms

The following new special terms are added to the glossary:

Edge and Edge+ – A Growth Opportunity Type. If you select an Index Account Option with Edge and Edge+, at the end of the Crediting Period:

●

If the Index Change is positive or zero, the Index Credit will be positive. The Index Credit Rate (i.e., your Index rate of return) will equal the Edge+ Rate.

●

If the Index Change is negative, but does not exceed the Buffer Rate, the Index Credit will be positive. The Index Credit Rate will equal the Edge Rate.

●

If the Index Change is negative, and does exceed the Buffer Rate, the Index Credit will be negative. The Index Credit Rate will equal the negative Index Change in excess of the Buffer Rate.

Edge Rate – For an Index Account Option with the Edge and Edge+ Growth Opportunity Type, the percentage used to calculate the Index Credit Rate if the Index Change is negative, but not in excess of the Buffer Rate.

Edge+ Rate – For an Index Account Option with the Edge and Edge+ Growth Opportunity Type, the percentage used to calculate the Index Credit Rate if the Index Change is positive or zero.

The definitions of the existing special terms listed below are replaced as follows:

Buffer – 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. 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 -15%, your Index Credit Rate (i.e., your Index rate of return) would be -5%. 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.

Growth Opportunity Type – A feature of an Index Account Option that determines whether and the extent to which a positive Index Credit will apply at the end of a Crediting Period.

III. Overview of the Policy

On page 6, the fourth paragraph (but not the associated bullets) under the subsection “Phases of the Policy – The Accumulation Phase” is replaced with the following:

We may limit the positive Index Change used in calculating Index Credit for an Index Account Option at the end of its Crediting Period. Each Index Account Option has a Growth Opportunity Type that may limit your positive Index returns. The only Growth Opportunity Types that we currently offer are (i) Cap, with an associated Cap Rate; (ii) Participation, with an associated Participation Rate; and (iii) Edge and Edge+, with an associated Edge Rate and Edge+ Rate. These Growth Opportunity Types may limit positive Index returns in the following manner:

Under the same paragraph, the following is added as a new bullet:

●

Edge and Edge+ – If you select an Index Account Option with Edge and Edge+, a positive Index Credit will apply at the end of the Crediting Period if the Index Change is positive, zero, or to a limited extent, negative.

^○

If the Index Change is positive or zero, the Index Credit Rate will be positive, equal to the Edge+ Rate. For example, if you select an Index Account Option with an Edge Rate of 5% and an Edge+ Rate of 7%, and at the end of the Crediting Period the Index Change is 10%, your Index Credit Rate would be +7% (i.e., the Edge+ Rate).

^○

If the Index Change is negative, but does not exceed the Buffer Rate, the Index Credit Rate will be positive, equal the Edge Rate. For example, if you select an Index Account Option with a Buffer Rate of 10%, an Edge Rate of 5%, and an Edge+ Rate of 7%, and at the end of the Crediting Period the Index Change is -6%, your

Index Credit Rate would be +5% (i.e., the Edge Rate).

^○

If the Index Change is negative, and does exceed the Buffer Rate, your Index Credit Rate will be negative. The negative Index Credit Rate will equal the negative Index Change in excess of the Buffer Rate.

The lowest Edge Rate and Edge+ Rate that may be established under the Policy is 2%.

On page 7, under the paragraph that begins ‘We currently offer two categories of Index Account Options: “Basic Index Account Options” and “Enhanced Index Account Options,”’ the first bullet is replaced with the following:

●

Each available Basic Index Account Option has the following design elements: an Index; a Crediting Period (1, 2, or 6 years); Buffer as its Downside Protection Type; and Cap, Participation, or Edge and Edge+ as the Growth Opportunity Type.

IV. Important Information You Should Consider About the Policy

On page 10, in the middle column of the row “Are There Ongoing Fees and Expenses?”, the first sentence of the first full paragraph is replaced with the following:

There is an implicit ongoing fee on the Index Account Options to the extent that your participation in Index gains is limited by either a Cap Rate, Participation Rate, or an Edge Rate or Edge+ Rate.

On page 12, in the middle column of the row “Is this a Short-Term Investment?”, the second sentence of the last bullet is replaced with the following:

In the absence of such instructions, Policy Value in the matured Allocation Account will be automatically reinvested in the same Allocation Account for another Crediting Period (with the Cap Rate, Participation Rate, Edge Rate and Edge+ Rate, or annual interest rate applicable to a new Crediting Period).

Beginning on page 12, in the middle column of the row “What are the Risks Associated with the Investment Options?”, the third bullet (including the associated sub-bullets) is replaced with the following:

●

The Cap Rate, Participation Rate, or Edge Rate and Edge+ Rate for an Index Account Option, as applicable, may limit positive Index returns (e.g., limited upside). This limit may result in you earning less than the Index’s return. For example:

^○

If the Index Change is 12% and the Cap Rate is 4%, we will apply an Index Credit equal to +4% at the end of the Crediting Period.

^○

If the Index Change is 12% and the Participation Rate is 50%, we will apply an Index Credit equal to +6% (i.e., 12% x 50% = 6%) at the end of the Crediting Period.

^○

If the Index Change is 12% and the Edge+ Rate is 5%, we will apply an Index Credit equal to +5% at the end of the Crediting Period.

●

While the Edge and Edge+ Growth Opportunity Type may provide for a positive Index Credit in the event of negative Index performance, there is no guarantee of investment gain. Like any other Index Account Option, a negative Index Change in excess of the Buffer Rate will result in loss, which could be significant.

Beginning on page 13, in the middle column of the row “Are There Restrictions on the Investment Options?”, the fifth bullet is replaced with the following:

●

We may change the features of an Index Account Option from one Crediting Period to the next, including the Index and the current limit on Index gain (i.e., the Cap Rate, Participation Rate, or Edge Rate and Edge+ Rate, subject to minimum guarantees).

V. Principal Risks of Investing in the Policy

On page 17, the first sentence of the fifth paragraph under “Allocation Account Availability Risk” is replaced with the following:

On page 18, under “Liquidity Risk,” the second sentence of the bullet labeled “Maturity” is replaced with the following:

Beginning on page 23, the risk factor “Growth Opportunity Type Risk” is replaced with the following:

GROWTH OPPORTUNITY TYPE RISK

When you invest in an Index Account Option, the upside potential of your investment may be limited by its Growth Opportunity Type. For Cap, the Cap Rate may limit the upside potential of your investment by capping your participation in positive Index performance. For Participation, a Participation Rate of less than 100% will limit the upside potential of your investment by limiting your participation in positive Index performance. For Edge and Edge+, the Edge Rate and Edge+ Rate are fixed rates of potential return (in no event will a positive Index Credit Rate, if any, differ from the Edge Rate or Edge+ Rate, as applicable). In either case, the Index Credit Rate used to calculate gains may be lower than the Index Change. The risk of investment loss could be significantly greater than the potential for investment gain.

Although Index Account Options with Edge and Edge+ may provide for a positive Index Credit in the event of negative Index performance, like every other Index Account Option, they do not guarantee a positive Index Credit, and they are subject to risk of loss as described under “Buffer Risk.”

In 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. Currently, all Index Account Options with Edge and Edge+ have the same Buffer Rate.

We may declare new Cap Rates, Participation Rates, or Edge Rates and Edge+ Rates for the available Index Account Options for new Crediting Periods. We set these rates in our discretion, within any guaranteed limits to which we are subject as described in this prospectus. You bear the risk that the rate(s) we 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.

Some Index Account Options are subject to a Credit Advantage Fee. If you select one for investment, you will pay an additional annualized fee of 1.25%. The additional fee will increase any losses or decrease any gains.

VI. Index Account Options

On page 35, under the subsection “Index Credit Rate and Index Credit,” the second sentence of the second paragraph is replaced with the following:

The Index Credit Rate is determined by applying the Index Change to either the Downside Protection Type or Growth Opportunity Type, as applicable.

On page 36, under the subsection “Limits on Index Losses: Calculating Losses Using the Downside Protection Type,” the third paragraph (including its associated bullets) is replaced with the following:

We calculate your Index Credit Rate using the Buffer as follows:

●

If the Index Change is not in excess of the Buffer Rate, your Index Credit Rate will equal 0% (if you selected an Index Account Option with Cap or Participation) or the Edge Rate (if you selected an Index Account Option with Edge and Edge+). In either case, you will not experience any loss as a result of the negative Index performance.

●

If the Index Change exceeds the Buffer Rate, your Index Credit Rate will be negative, and you will experience loss as a result of the negative Index performance. The percentage loss will be equal to the Index Change in excess of the Buffer Rate.

On page 36, in the same subsection, the second sentence of the fifth paragraph is replaced with the following:

Each example assumes that you selected an Index Account Option with a Buffer Rate of 10% (and Cap or Participation as the Growth Opportunity Type).

Beginning on page 37, under the subsection “Limits on Index Gains: Calculating Gains Using the Growth Opportunity Type,” the first four paragraphs are replaced with the following:

At the end of a Crediting Period for an Index Account Option, we may limit the positive Index return used in calculating Index Credits by applying the designated Growth Opportunity Type. The Growth Opportunity Types that we currently offer are (i) Cap, (ii) Participation, and (iii) Edge and Edge+.

The Cap Rate, Participation Rate, or Edge Rate and Edge+ Rate for an Index Account Option will not change during a Crediting Period but may change from one Crediting Period to the next, subject to the guaranteed minimum(s) applicable to that Index Account Option. The guaranteed minimum Cap Rate, Participation Rate, or Edge Rate and Edge+ Rate vary by Index Account Option.

●

The lowest Cap Rate that may be established under the Policy is 2%.

●

For Policies with applications signed prior to May 1, 2024, the lowest Participation Rate that may be established under the Policy is 50%. For Policies with applications signed on or after May 1, 2024, the lowest Participation Rate that may be established under the Policy is 10%.

●

The lowest Edge Rate and Edge+ Rate that may be established under the Policy is 2%.

For each Index Account Option available for investment, the Cap Rate, Participation Rate, or Edge Rate and Edge+ Rate that we are currently offering for a new Crediting Period will be published at the following website address before rates take effect: cdn.bfldr.com/86JM1UOD/as/hhhzkk3cp3rjh4cjkrb4nsc/Transamerica_TSIA_Rate_Change_Flyer.pdf. The Cap Rates, Participation Rates, and Edge Rates and Edge+ Rates posted on that website address are incorporated by reference into the prospectus. You may also obtain the posted rates by contacting your financial professional or the Company at our Administrative Office.

We determine Cap Rates, Participation Rates, or Edge Rates and Edge+ Rates, for each new Crediting Period at our discretion, subject to applicable guaranteed minimums. We consider a number of factors when declaring these rates. Generally, we seek to manage our risk associated with our obligations, in part, by trading derivative and fixed income instruments. The costs and value of these instruments impact the rates we declare, and those costs and values can be impacted by market conditions and forces. We also consider factors such as sales commissions, administrative expenses, regulatory and tax requirements, general economic trends, and competitive factors. You bear the risk that we may declare lower rates for future Crediting Periods, and that such rates could be as low as the applicable guaranteed minimum(s). Rates offered for new Crediting Periods may be different from those offered to new investors or offered to you at Policy issuance.

The following new subsection is added under “Limits on Index Gains: Calculating Gains Using the Growth Opportunity Type”:

Edge and Edge+

Index Account Options with the Edge and Edge+ Growth Opportunity Type (also called “Triple Edge Advantage” or “Dual Direction” in the Policy form and our marketing materials) provide for positive Index Credit at the end of a Crediting Period if the Index Change is positive, zero, or to a limited extent, negative.

●

If the Index Change is positive or zero, the Index Credit Rate will be positive, equal to the Edge+ Rate.

●

If the Index Change is negative, but does not exceed the Buffer Rate, the Index Credit Rate will be positive, equal the Edge Rate.

●

If the Index Change is negative, and does exceed the Buffer Rate, the Index Credit will be negative. The negative Index Credit Rate will equal the negative Index Change in excess of the Buffer Rate. See LIMITS ON INDEX LOSSES: CALCULATING LOSSES USING THE DOWNSIDE PROTECTION TYPE.

For instance, assume you select an Index Account Option with an Edge Rate of 5%, Edge+ Rate of 7%, and Buffer Rate of 10%. If, at the end of the Crediting Period, the Index Change is 10%, your Index Credit Rate would be +7% (i.e., the Edge+ Rate). If instead the Index Change is -8%, your Index Credit Rate would be +5% (i.e., the Edge Rate). If instead the Index Change is -15%, your Index Credit Rate would be -5% (i.e., the negative Index Change in excess of the Buffer Rate).

The Edge Rate and Edge+ Rate are fixed rates of potential return. In no event will a positive Index Credit Rate, if any, differ from the Edge Rate or Edge+ Rate, as applicable. The Edge Rate and Edge+ Rate therefore limit the upside potential of your investment. The Edge Rate and Edge+ Rate are 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 Edge Rate and Edge+ Rate for that Crediting Period would be less if measured on an annual basis.

Currently, for any Index Account Option with Edge and Edge+, the Edge Rate and Edge+ Rate are subject to the same guaranteed minimum. The declared Edge+ Rate may be higher, lower, or equal to the declared Edge Rate (and vice versa). The only guarantee in that regard is that both the declared Edge Rate and the Edge+ Rate will satisfy the guaranteed minimum.

Credit Advantage. We are not currently offering any Index Account Options with Edge and Edge+ designated as “Credit Advantage.” We may offer such Index Account Options in the future.

The following is added under the subsection “Examples of Crediting Methodology” beginning on page 40:

For each scenario below, assume an Index Account Option with a 1-year Crediting Period, Buffer (Buffer Rate 10%), and Edge and Edge+ (Edge Rate 5% and Edge+ Rate 10%).


Scenario	Starting Index Base	Initial Index Value	Final Index Value	Index Change	Index Credit Rate	Ending Index Base	Index Credit	Index Account Option Value
1	1000	100	120	+20%	+10%	1000	+$100	$1,100
2	1000	100	105	+5%	+10%	1000	+$100	$1,100
3	1000	100	100	0%	+10%	1000	+$100	$1,100


4	1000	100	95	-5%	+5%	1000	+$50	$1,050
5	1000	100	80	-20%	-10%	1000	-$100	$900

VII. Appendix A – Investment Options Available Under the Policy

Beginning on page A-1, rows for the new Index Account Options with Edge and Edge+ are added to the Basic Index Account Options table, as follows:


Index	Type of Index	Crediting Period	Current Limit on Index Loss (if held until end of Crediting Period)	Minimum Limit on Index Gain (for the life of the Index Account Option)	Credit Advantage Fee (annualized)
S&P 500^® Index¹	U.S. Large-Cap Equities	1-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 2.00%	N/A
Fidelity World Factor Leaders Index^SM 0.5% AR^1,2	U.S. and Non-U.S. Equities	1-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 2.00%	N/A
iShares^®Russell 2000 ETF³	U.S. Small-Cap Equities	1-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 2.00%	N/A
iShares^® U.S. Technology ETF³	U.S. Large-Cap Equities	1-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 2.00%	N/A
First Trust Equity Edge Index^{TM 1, 2, 4}	Dividend-Paying Equities	1-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 2.00%	N/A
S&P 500^® Index¹	U.S. Large-Cap Equities	2-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 3.00%	N/A
Fidelity World Factor Leaders Index^SM 0.5% AR^1,2	U.S. and Non-U.S. Equities	2-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 3.00%	N/A
iShares^® Russell 2000 ETF³	U.S. Small-Cap Equities	2-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 3.00%	N/A
iShares^® U.S. Technology ETF³	Technology Sector U.S. Equities	2-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 3.00%	N/A
First Trust Equity Edge Index^{TM 1, 2, 4}	Dividend-Paying Equities	2-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 3.00%	N/A
S&P 500^® Index¹	U.S. Large-Cap Equities	6-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 8.00%	N/A
Fidelity World Factor Leaders Index^SM 0.5% AR^1,2	U.S. and Non-U.S. Equities	6-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 8.00%	N/A
iShares^® Russell 2000 ETF³	U.S. Small-Cap Equities	6-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 8.00%	N/A
iShares^® U.S. Technology ETF³	Technology Sector U.S. Equities	6-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 8.00%	N/A
First Trust Equity Edge Index^{TM 1, 2, 4}	Dividend-Paying Equities	6-Year	Buffer Buffer Rate: 10%	Edge and Edge+ Rates: No lower than 8.00%	N/A

This Index is a “price return” index, not a “total return” index, and therefore does not reflect the dividends paid on the securities composing the Index, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index.

The Index provider applies a reduction when calculating Index performance, which will reduce the Index return and may cause the Index to underperform a direct investment in the securities composing the Index.

This Index is an ETF. Index Values are based on the ETF’s closing prices. The Index Values reflect a “price return,” not a “total return,” and therefore do not reflect the dividends or other distributions paid by the ETF. In addition, fees and costs are deducted from the ETF, which reduces the ETF’s performance. These factors will reduce the Index return and may cause the Index to underperform a direct investment in the ETF or the securities in which the ETF invests.

⁴

Even though this Index is composed of dividend-paying securities, you will not receive any dividends paid on those securities, and any dividends paid on those securities will not be reflected in Index Values.

On page A-3, the third paragraph (and associated bullets) and fourth paragraph under the Index Account Options tables are replaced with the following:

In the future, if we offer a new Index Account Option and:

●

the Growth Opportunity Type is Cap, the guaranteed minimum Cap Rate will be no lower than 2.00%.

●

the Growth Opportunity Type is Participation, for Policies with applications signed prior to May 1, 2024, the guaranteed minimum Participation Rate will be no lower than 50%, and for Policies with applications signed on or

after May 1, 2024, the guaranteed minimum Participation Rate will be no lower than 50%.

●

the Growth Opportunity Type is Edge and Edge+, the guaranteed minimum Edge Rate and Edge+ Rate will be no lower than 2.00%.

We reserve the right to offer new Index Account Options with different Downside Protection Types or Growth Opportunity Types in the future.

TRANSAMERICA STRUCTURED INDEX ADVANTAGE^® ANNUITY

An Individual Flexible Premium Deferred Index-Linked Annuity Policy

Issued by

Transamerica Life Insurance Company

Supplement dated [ ], 2025

to the

Statement of Additional Information dated May 1, 2025

This supplement updates certain information contained in the Statement of Additional Information (“SAI”). Please read this supplement carefully and retain it for future reference. Capitalized terms not defined in this supplement have the same meanings as in the SAI.

Beginning August 18, 2025, three new Index Account Options will be available under the Policy, as described in the prospectus supplement dated [ ], 2025. We refer to these new Index Account Options, which have a new Edge and Edge+ Growth Opportunity Type and Buffer as the Downside Protection Type, as “Triple Edge Advantage” or “Dual Direction” Index Account Options in the Policy and in our marketing materials.

Each of the SAI revisions below are effective August 18, 2025.

I. Additional Information About Interim Value Adjustments

On page 7, the following is added to the end of the subsection “Calculating Option Value”:

For an Index Account Option with Edge and Edge+ and Buffer, the Option Value can be decomposed into two binary call options and one put option. The binary call options value the potential for Index gains based on the Edge Rate and Edge+ Rate, while the put option values the protection the Buffer provides. The fair value is calculated as:

Fair Value = (in-the-money binary call) * Edge Rate + (at-the-money binary call) * (Edge+ Rate – Edge Rate) – (out-of-the-money put)

On page 7, the following definition is added to the end of the subsection “Derivative Descriptions”:

In-the-money binary call: The option to buy a position in the Index on the term end date at a strike price greater than or equal to the Initial Index Value where the strike price is less than the Initial Index Value. On the Crediting Period end date, the option’s value is the maximum of the Final Index Value minus the strike price and 0.

On page 13, the following is added to the end of the subsection “Additional Examples of Interim Value Adjustments”:

6. TRIPLE EDGE ADVANTAGE INDEX ACCOUNT OPTION IN RISING AND FALLING MARKET

These examples are intended to show you Index Account Option values at the end of a one-year Crediting Period assuming a positive Index change or negative Index change less than the Buffer Rate to illustrate when an Edge+ or Edge rate is applied, and a negative Index change in excess of the Buffer Rate to illustrate when a Buffer is applied. These examples assume that you allocate $100,000 to a Triple Edge Advantage Index Account Option with an Edge+ Rate of 15%, Edge Rate of 10% and a Buffer Rate of 10%. They assume the Policy Value death benefit, and that there have been no withdrawals. All illustrated values are hypothetical.


	Edge+	Edge	Buffer
Initial Index Value	1,000	1,000	1,000
Interim Value Index Credit Rate at 6 months	5%	5%	5%
Interim Value at 6 months	$100,000.00 * (1 + 5%) = $105,000.00	$100,000.00 * (1 + 5%) = $105,000.00	$100,000.00 * (1 + 5%) = $105,000.00
Final Index Value	1,100	950	800
Index Change	(1100 / 1000) – 1 = +10%	(950 / 1000) – 1 = -5%	(800/1000) – 1 = -20%
Applicable Growth Opportunity Type Rate	15% Edge+ Rate	10% Edge Rate


Growth Opportunity Rate Applied	+15%	+10%
Applicable Buffer Rate			10%
Buffer Rate Applied			-20% + 10% = -10%
Interest Credited	$100,000 * +15% = +$15,000.00	$100,000 * +10% = +$10,000.00	$100,000.00 * -10% = -$10,000.00
Index Account Option Value at the end of a 1-year Crediting Period	$100,000.00 + $15,000.00 = $115,000.00	$100,000.00 + $10,000.00 = $110,000.00	$100,000.00—$10,000.00= $90,000.00

PART C

OTHER INFORMATION

Item 27. Exhibits


(a)	Board of Directors Resolution. Not applicable.
(b)	Custodian Agreements. Not applicable.
(c)	Underwriting Agreements
	(i)	Form of Selling Agreement. Note 1.
	(ii)	Amended and Restated Principal Underwriting Agreement by and between Transamerica Life Insurance Company and Transamerica Capital, Inc. Note 1.
(d)	Contracts
	(i)	Individual Flexible Premium Deferred Index-Linked Annuity Contract. Note 2.
	(ii)	Individual Flexible Premium Deferred Index-Linked Annuity Contract Data Page (6 year). Note 2.
	(iii)	Best Entry Index Account Rider. Note 2.
	(iv)	Basic Index Account Rider. Note 2.
	(v)	Credit Advantage Index Rider. Note 2.
	(vi)	Guaranteed Minimum Death Benefit Rider. Note 2.
	(vii)	Performance Lock Rider. Note 2.
	(viii)	Individual Flexible Premium Deferred Index-Linked Variable Annuity Contract. Note 4.
	(ix)	Individual Flexible Premium Deferred Index-Linked Variable Annuity Contract Data Page (6 year). Note 4.
	(x)	Individual Flexible Premium Deferred Index-Linked Variable Annuity Annuitization Table. Note 4.
	(xi)	Best Entry Index Account Rider. Note 4.
	(xii)	Credit Advantage Index Rider. Note 4.
	(xiii)	Performance Lock Rider. Note 4.
	(xiv)	Cap and Buffer Index Account Rider. Note 4.
	(xv)	Participation and Buffer Index Account Rider. Note 4.
	(xvi)	Upside Participation and Downside Participation Index Account Rider. Note 4.
	(xvii)	Triple Edge Advantage Index Account Rider. Note 6.
(e)	Application. Note 2
(f)	Insurance Company’s Certificate of Incorporation and By-Laws
	(i)	Articles of Incorporation of Transamerica Life Insurance Company. Note 1.
	(ii)	Bylaws of Transamerica Life Insurance Company. Note 1.
(g)	Reinsurance Contracts. Not applicable.
(h)	Participation Agreements. Not applicable.
(i)	Administrative Contracts. Not applicable.
(j)	Other Material Contracts. Not applicable.
(k)	Opinion re Legality. Note 7.
(l)	Other Opinions
	Consent of Independent Registered Public Accounting Firm. Note 7.
	Consent of Independent Accountant. Note 7.
(m)	Omitted Financial Statements. Not Applicable.
(n)	Initial Capital Agreements. Not Applicable.
(o)	Form of Initial Summary Prospectus. Note 6.
(p)	(i) Powers of Attorney. Note 5.
	(ii) Resolution of the Board of Directors Authorizing the Principal Executive Officer to sign on behalf of Transamerica Life Insurance Company pursuant to power of attorney. Note 5.
(q)	Letter re Change in Auditor. Note 3.
(r)	Historical Limits on Index Gains. Note 5.


Note 1.		Incorporated herein by reference from Initial Filing of S-1 Registration Statement (File no. 333- 252121) filed on January 15, 2021.
Note 2.		Incorporated herein by reference from Pre-Effective Amendment No. 4 to S-1 Registration Statement (File no. 333-252121) filed April 27, 2022.
Note 3.		Incorporated herein by reference from Post-Effective Amendment No. 2 to S-1 Registration Statement (File no. 333-269398) filed April 26, 2024.


Note 4.		Incorporated herein by reference from Post-Effective Amendment No. 1 to N-4 Registration Statement (File No. 333-284296) filed on February 19, 2025.
Note 5.		Incorporated herein by reference from Post-Effective Amendment No. 3 to N-4 Registration Statement (File No. 333-284296) filed on April 28, 2025.
Note 6.		Filed Herewith
Note 7.		To Be Filed By Amendment.

Item 28. Directors and Officers of the Insurance Company (Transamerica Life Insurance Company)


Name and Principal Business Address		Positions and Offices with Insurance Company

Jamie Ohl 1801 California St. Suite 5200 Denver, CO 80202		Director and President

Bonnie T. Gerst 6400 C Street SW Cedar Rapids, Iowa 52404		Director, Chairman of the Board, and President Financial Assets

Andrew S. Williams 100 Light Street Baltimore, MD 21202		Director, General Counsel, Secretary and Senior Vice President

Maurice Perkins 100 Light Street Baltimore, MD 21202		Director and Chief Corporate Affairs Officer

Matt Keppler 100 Light Street Baltimore, MD 21202		Director, Chief Financial Officer, Executive Vice President and Treasurer

Chris Giovanni 100 Light Street Baltimore, MD 21202		Director, Chief Strategy & Development Officer and Senior Vice President

Item 29. Persons Controlled by or under Common Control with the Insurance Company

As of December 31, 2024, the following pages shows all corporations directly or indirectly controlled or under common control, with the Depositor, showing the state or other sovereign power under the laws of which each is organized and the percentage owner ship of voting securities giving rise to the control relationship.



Aegon Ltd. Subsidiaries Under Common Control (as of 12/31/24)

Company Name	Immediate Parent Ownership %	Parent	State/Country

239 West 20th Street, LLC	100%	Yarra Rapids, LLC	DE, USA

25 East 38th Street, LLC	100%	Yarra Rapids, LLC	DE, USA

313 East 95th Street, LLC	100%	Yarra Rapids, LLC	DE, USA

319 East 95th Street, LLC	100%	Yarra Rapids, LLC	DE, USA

Administrative Group, LLC	100%	AUSA Holding, LLC	IA, USA

ADMS Global Services (Thailand) Limited	47.37%	AEGON DMS Holding B.V.	Thailand

AEGON Administracion y Servicios Aie	Other Manner of Control	Aegon Iberia Holding BV, Sucursal en España	Spain

AEGON Administracion y Servicios Aie	100%	AEGON España, S.A.U. de Seguros y Reaseguros	Spain

AEGON Administracion y Servicios Aie	Other Manner of Control	Aegon Mediacion S.L.U.	Spain

AEGON Administracion y Servicios Aie	Other Manner of Control	SANTANDER GENERALES SEGUROS Y REASEGUROS, S.A.	Spain

AEGON Administracion y Servicios Aie	Other Manner of Control	SANTANDER VIDA SEGUROS Y REASEGUROS, S.A.	Spain

AEGON Administracion y Servicios Aie	Other Manner of Control	Serenitas, S.L.U.	Spain

AEGON Administracion y Servicios Aie	Other Manner of Control	AEGON SANTANDER PORTUGAL NÃO VIDA - COMPANHIA DE SEGUROS S.A.	Spain

AEGON Administracion y Servicios Aie	Other Manner of Control	AEGON SANTANDER PORTUGAL VIDA - COMPANHIA DE SEGUROS DE VIDA S.A.	Spain

AEGON Affordable Housing Debt Fund I, LLC	Other Manner of Control	AHDF Manager I, LLC	DE, USA

AEGON Affordable Housing Debt Fund I, LLC	5%	Transamerica Life Insurance Company	DE, USA

AEGON AM Funds, LLC	100%	AEGON USA Investment Management, LLC	DE, USA

Aegon AM Private Equity Partners I, LLC	100%	AEGON USA Investment Management, LLC	DE, USA

Aegon AM Private Equity Partners II, LLC	100%	AEGON USA Investment Management, LLC	DE, USA

AEGON Asia B.V.	100%	AEGON International B.V.	Netherlands

Aegon Asset Management (Asia) Limited	100%	AEGON Asset Management Holding B.V.	Hong Kong

AEGON Asset Management Holding B.V.	100%	Aegon Ltd.	Netherlands



AEGON Asset Management Hungary B.V.	100%	AEGON Asset Management Holding B.V.	Netherlands

Aegon Asset Management Limited	100%	Aegon Asset Management UK plc	United Kingdom

Aegon Asset Management Pan-Europe B.V.	100%	AEGON Asset Management Holding B.V.	Netherlands

Aegon Asset Management UK Holdings Limited	100%	AEGON Asset Management Holding B.V.	United Kingdom

Aegon Asset Management UK plc	100%	Aegon Asset Management UK Holdings Limited	United Kingdom

AEGON Brazil Holding B.V.	100%	AEGON International B.V.	Netherlands

AEGON Brazil Holding II B.V.	100%	AEGON International B.V.	Netherlands

AEGON CEE B.V.	100%	Aegon Ltd.	Netherlands

Aegon Community Investments 50, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 51, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 52, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 53, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 54, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 55, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 56, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 57, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 58, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 59, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 60, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 61, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 62, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 63, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 64, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 65, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 66, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 67, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 68, LLC	100%	Transamerica Life Insurance Company	DE, USA

Aegon Community Investments 69, LLC	100%	Transamerica Life Insurance Company	DE, USA

AEGON Corporate Center B.V.	100%	Aegon Ltd.	Netherlands

AEGON Custody B.V.	100%	AEGON Asset Management Holding B.V.	Netherlands

AEGON Derivatives N.V.	100%	Aegon Ltd.	Netherlands

AEGON Digital Investments Holding B.V.	100%	Aegon Ltd.	Netherlands

AEGON Direct Marketing Services International, LLC	100%	AUSA Holding, LLC	MD, USA

AEGON Direct Marketing Services Mexico Servicios, S.A. de C.V.	Other Manner of Control	AEGON DMS Holding B.V.	Mexico

AEGON Direct Marketing Services Mexico Servicios, S.A. de C.V.	100%	AEGON Mexico Holding B.V.	Mexico

AEGON Direct Marketing Services Mexico, S.A. de C.V.	5.82%	AEGON DMS Holding B.V.	Mexico

AEGON Direct Marketing Services Mexico, S.A. de C.V.	92.96%	AEGON Mexico Holding B.V.	Mexico

AEGON Direct Marketing Services, Inc.	100%	Transamerica Life Insurance Company	MD, USA

AEGON DMS Holding B.V.	100%	AEGON International B.V.	Netherlands

AEGON EDC Limited	100%	Aegon Ltd.	United Kingdom

Aegon Employees Netherlands B.V.	100%	AEGON Europe Holding B.V.	Netherlands

Aegon Energy Management, LLC	100%	AEGON USA Realty Advisors, LLC	DE, USA

AEGON España, S.A.U. de Seguros y Reaseguros	100%	Aegon Iberia Holding BV, Sucursal en España	Spain

AEGON Europe Holding B.V.	100%	Aegon Ltd.	Netherlands

AEGON Financial Services Group, Inc.	100%	Transamerica Life Insurance Company	MN, USA

AEGON Funding Company LLC	100%	Transamerica Corporation	DE, USA

Aegon Global Services, LLC	100%	Commonwealth General Corporation	IA, USA

AEGON Growth Capital Fund I C.V.	100%	AEGON Growth Capital Fund I GP B.V.	Netherlands

AEGON Growth Capital Fund I GP B.V.	100%	AEGON Digital Investments Holding B.V.	Netherlands

AEGON Growth Capital Management B.V.	100%	Aegon Ltd.	Netherlands

AEGON Iberia Holding B.V.	100%	Aegon Ltd.	Netherlands

Aegon Iberia Holding BV, Sucursal en España	100%	AEGON Iberia Holding B.V.	Spain

AEGON India Holding B.V.	100%	AEGON International B.V.	Netherlands

Aegon Insights (Thailand) Limited	Other Manner of Control	Aegon Insights Limited	Thailand

Aegon Insights (Thailand) Limited	100%	Transamerica International Direct Marketing Consultants, LLC	Thailand

Aegon Insights Australia Pty Limited	100%	Transamerica Direct Marketing Asia Pacific Pty. Ltd.	Australia

Aegon Insights Limited	100%	AEGON DMS Holding B.V.	Hong Kong

AEGON Institutional Markets, Inc.	100%	Commonwealth General Corporation	DE, USA

AEGON International B.V.	100%	Aegon Ltd.	Netherlands

AEGON Investment Management B.V.	100%	AEGON Asset Management Holding B.V.	Netherlands

AEGON Investment Solutions - Nominee 1 (Gross) Ltd.	100%	AEGON UK plc	United Kingdom

AEGON Investment Solutions - Nominee 2 (Net) Ltd.	100%	AEGON UK plc	United Kingdom

AEGON Investment Solutions - Nominee 3 (ISA) Ltd.	100%	AEGON UK plc	United Kingdom

AEGON Investment Solutions Ltd.	100%	Aegon UK Investment Holdings Limited	United Kingdom



Aegon Investments Limited	100%	Aegon UK Investment Holdings Limited	United Kingdom

Aegon LIHTC Fund 50, LLC	51.01%	Aegon LIHTC Fund 63, LLC	DE, USA

Aegon LIHTC Fund 51, LLC	0.01%	Aegon Community Investments 51, LLC	DE, USA

Aegon LIHTC Fund 52, LLC	0.01%	Aegon Community Investments 52, LLC	DE, USA

Aegon LIHTC Fund 52, LLC	1%	Transamerica Life Insurance Company	DE, USA

Aegon LIHTC Fund 52, LLC	10.81%	Transamerica Financial Life Insurance Company	DE, USA

Aegon LIHTC Fund 54, LLC	Other Manner of Control	Aegon Community Investments 54, LLC	DE, USA

Aegon LIHTC Fund 55, LLC	2.82%	Transamerica Life Insurance Company	DE, USA

Aegon LIHTC Fund 57, LLC	0.01%	Aegon Community Investments 57, LLC	DE, USA

Aegon LIHTC Fund 58, LLC	0.01%	Aegon Community Investments 58, LLC	DE, USA

Aegon LIHTC Fund 58, LLC	2.92%	Transamerica Life Insurance Company	DE, USA

Aegon LIHTC Fund 60, LLC	Other Manner of Control	Aegon Community Investments 60, LLC	DE, USA

Aegon LIHTC Fund 62, LLC	0.01%	Aegon Community Investments 62, LLC	DE, USA

Aegon LIHTC Fund 63, LLC	Other Manner of Control	Aegon Community Investments 63, LLC	DE, USA

Aegon LIHTC Fund 64, LLC	Other Manner of Control	Aegon Community Investments 64, LLC	DE, USA

Aegon LIHTC Fund 65, LLC	0.01%	Aegon Community Investments 65, LLC	DE, USA

Aegon LIHTC Fund 66, LLC	0.01%	Aegon Community Investments 66, LLC	DE, USA

Aegon LIHTC Fund 67, LLC	Other Manner of Control	Aegon Community Investments 67, LLC	DE, USA

Aegon LIHTC Fund 68, LLC	100%	Aegon Community Investments 68, LLC	DE, USA

Aegon LIHTC Fund 69, LLC	100%	Aegon Community Investments 69, LLC	DE, USA

AEGON Managed Enhanced Cash, LLC	62.09%	Transamerica Life Insurance Company	DE, USA

AEGON Managed Enhanced Cash, LLC	37.90%	Transamerica Life Insurance Company	DE, USA

AEGON Management Company	100%	Transamerica Corporation	IN, USA

Aegon Mediacion S.L.U.	100%	AEGON España, S.A.U. de Seguros y Reaseguros	Spain

AEGON Mexico Holding B.V.	100%	AEGON DMS Holding B.V.	Netherlands

Aegon Opportunity Zone Fund Joint Venture 1, LP	0.16%	Aegon OZF Investments 1, LLC	DE, USA

Aegon OZF Investments 1, LLC	100%	AEGON USA Realty Advisors, LLC	DE, USA

AEGON Pension Trustee Limited	100%	AEGON UK plc	United Kingdom

AEGON SANTANDER PORTUGAL NÃO VIDA - COMPANHIA DE SEGUROS S.A.	51%	AEGON Iberia Holding B.V.	Portugal

AEGON SANTANDER PORTUGAL VIDA - COMPANHIA DE SEGUROS DE VIDA S.A.	51%	AEGON Iberia Holding B.V.	Portugal

AEGON SIPP GUARANTEE NOMINEE LIMITED	100%	AEGON UK plc	United Kingdom

Aegon SIPP Nominee 2 Ltd.	100%	AEGON UK plc	United Kingdom

AEGON SIPP Nominee Ltd.	100%	AEGON UK plc	United Kingdom

AEGON Taiwan Holding B.V.	100%	AEGON International B.V.	Netherlands

Aegon THTF Life Insurance Co., Ltd.	50%	AEGON International B.V.	China

AEGON Treasury Investments B.V.	100%	Aegon Ltd.	Netherlands

AEGON UK Corporate Services Limited	100%	AEGON UK plc	United Kingdom

Aegon UK Investment Holdings Limited	100%	AEGON UK plc	United Kingdom

AEGON UK plc	100%	AEGON Europe Holding B.V.	United Kingdom

AEGON UK Property Fund Limited	100%	AEGON UK plc	United Kingdom

Aegon Upstream Energy Fund, LLC	100%	Aegon Energy Management, LLC	DE, USA

AEGON USA Asset Management Holding, LLC	100%	AUSA Holding, LLC	IA, USA

AEGON USA Investment Management, LLC	100%	AEGON USA Asset Management Holding, LLC	IA, USA

AEGON USA Real Estate Services, Inc.	100%	AEGON USA Realty Advisors, LLC	DE, USA

AEGON USA Realty Advisors of California, Inc.	100%	AEGON USA Realty Advisors, LLC	IA, USA

AEGON USA Realty Advisors, LLC	100%	AEGON USA Asset Management Holding, LLC	IA, USA

Aegon Workforce Housing Fund 2 Holding Company B, LLC	100%	Aegon Workforce Housing Fund 2, L.P	DE, USA

Aegon Workforce Housing Fund 2 Holding Company C, LLC	100%	Aegon Workforce Housing Fund 2, L.P	DE, USA

Aegon Workforce Housing Fund 2 Holding Company, LLC	100%	Aegon Workforce Housing Fund 2, L.P	DE, USA

Aegon Workforce Housing Fund 2, L.P	80%	Transamerica Life Insurance Company	DE, USA

Aegon Workforce Housing Fund 2, L.P	20%	Transamerica Financial Life Insurance Company	DE, USA

Aegon Workforce Housing Fund 3 Holding Company, LLC	100%	Aegon Workforce Housing Fund 3, L.P	DE, USA

Aegon Workforce Housing Fund 3, L.P	60%	Transamerica Life Insurance Company	DE, USA

Aegon Workforce Housing Fund 3, L.P	30%	Transamerica Life Insurance Company	DE, USA

Aegon Workforce Housing Fund 3, L.P	10%	Transamerica Financial Life Insurance Company	DE, USA

Aegon Workforce Housing JV 4A, LLC	44.50%	Aegon Workforce Housing Fund 2 Holding Company, LLC	DE, USA

Aegon Workforce Housing JV 4B, LLC	25%	Aegon Workforce Housing Fund 2 Holding Company, LLC	DE, USA

Aegon Workforce Housing JV 4C, LLC	10%	Aegon Workforce Housing Fund 2 Holding Company, LLC	DE, USA

Aegon Workforce Housing Park at Via Rosa REIT, LLC	100%	Aegon Workforce Housing Separate Account 1, LLC	IA, USA

Aegon Workforce Housing Separate Account 1, LLC	15.83%	Transamerica Life Insurance Company	IA, USA



Aegon Workforce Housing Separate Account 1, LLC	4.17%	Transamerica Life Insurance Company	IA, USA

Aegon Workforce Housing Separate Account 1, LLC	5%	Transamerica Financial Life Insurance Company	IA, USA

AEGON-INDUSTRIAL Capital Management (Shanghai) Co., Ltd.	100%	AEGON-INDUSTRIAL Fund Management Co., LTD.	China

AEGON-INDUSTRIAL Fund Management Co., LTD.	49%	AEGON International B.V.	China

AGT Hungary IT Service Korlátolt Felelősségű Társaság	100%	AEGON EDC Limited	Hungary

AHDF Manager I, LLC	100%	AEGON USA Realty Advisors, LLC	DE, USA

ALH Properties Eight LLC	100%	FGH USA LLC	DE, USA

ALH Properties Eleven LLC	100%	FGH USA LLC	DE, USA

ALH Properties Four LLC	100%	FGH USA LLC	DE, USA

ALH Properties Nine LLC	100%	FGH USA LLC	DE, USA

ALH Properties Seven LLC	100%	FGH USA LLC	DE, USA

ALH Properties Seventeen LLC	100%	FGH USA LLC	DE, USA

ALH Properties Sixteen LLC	100%	FGH USA LLC	DE, USA

ALH Properties Ten LLC	100%	FGH USA LLC	DE, USA

ALH Properties Twelve LLC	100%	FGH USA LLC	DE, USA

ALH Properties Two LLC	100%	FGH USA LLC	DE, USA

AMFETF Manager, LLC	100%	AEGON USA Realty Advisors, LLC	DE, USA

AMTAX Holdings 308 LLC	100%	TAHP Fund 2, LLC	OH, USA

AMTAX Holdings 388 LLC	100%	TAHP Fund 2, LLC	OH, USA

AMTAX Holdings 483 LLC	100%	TAHP Fund 1, LLC	OH, USA

AMTAX Holdings 559, LLC	100%	TAHP Fund 1, LLC	OH, USA

AMTAX Holdings 561 LLC	100%	TAHP Fund VII, LLC	OH, USA

AMTAX Holdings 588 LLC	100%	TAHP Fund 1, LLC	OH, USA

AMTAX Holdings 613 LLC	0.15%	Cupples State LIHTC Investors, LLC	OH, USA

AMTAX Holdings 613 LLC	99.85%	Garnet LIHTC Fund VII, LLC	OH, USA

AMTAX Holdings 639 LLC	100%	TAHP Fund 1, LLC	OH, USA

AMTAX Holdings 649 LLC	100%	TAHP Fund 1, LLC	OH, USA

AMTAX Holdings 672 LLC	100%	TAHP Fund 1, LLC	OH, USA

AMTAX Holdings 713 LLC	100%	TAHP Fund 2, LLC	OH, USA

Andrews Nominees Limited	100%	Cofunds Limited	United Kingdom

Apollo Housing Capital Arrowhead Gardens, L.L.C.	100%	Garnet LIHTC Fund XXXV, LLC	DE, USA

APOP III, LLC	9.84%	Transamerica Financial Life Insurance Company	DE, USA

APOP III, LLC	88.60%	Transamerica Life Insurance Company	DE, USA

ASR Nederland N.V.	29.99%	Aegon Ltd.	Bermuda

AUSA Holding, LLC	100%	Transamerica Corporation	MD, USA

AUSA Properties, Inc.	100%	AEGON USA Realty Advisors, LLC	IA, USA

AWHF2 General Partner, LLC	100%	AEGON USA Realty Advisors, LLC	DE, USA

AWHF2 Subsidiary Holding Company C, LLC	100%	Aegon Workforce Housing Fund 2 Holding Company C, LLC	DE, USA

AWHF3 General Partner, LLC	100%	AEGON USA Realty Advisors, LLC	DE, USA

AWHJV4 Manager, LLC	100%	AEGON USA Realty Advisors, LLC	DE, USA

AWHSA Manager 1, LLC	100%	AEGON USA Realty Advisors, LLC	IA, USA

Barfield Ranch Associates, LLC	50%	Mitigation Manager LLC	FL, USA

Carle Place Leasehold SPE, LLC	100%	Transamerica Financial Life Insurance Company	DE, USA

Cofunds Limited	100%	Aegon UK Investment Holdings Limited	United Kingdom

Cofunds Nominees Ltd	100%	Cofunds Limited	United Kingdom

Commonwealth General Corporation	100%	Transamerica Corporation	DE, USA

Coöperatieve AEGON Financieringsmaatschappij U.A.	1.51%	AEGON International B.V.	Netherlands

Coöperatieve AEGON Financieringsmaatschappij U.A.	98.49%	Aegon Ltd.	Netherlands

Cornerstone International Holdings Ltd.	100%	AEGON DMS Holding B.V.	United Kingdom

Creditor Resources, Inc.	100%	AUSA Holding, LLC	MI, USA

CRI Solutions, Inc.	100%	Creditor Resources, Inc.	MD, USA

Cupples State LIHTC Investors, LLC	22%	Transamerica Life Insurance Company	DE, USA

Cupples State LIHTC Investors, LLC	15%	Transamerica Life Insurance Company	DE, USA

Cupples State LIHTC Investors, LLC	63%	Transamerica Life Insurance Company	DE, USA

Dorset Nominees Limited	100%	Cofunds Limited	United Kingdom

Equitable AgriFinance, LLC	50%	AEGON USA Realty Advisors, LLC	DE, USA

Favela Promoção e Vendas Ltda.	100%	Mongeral AEGON Holding Ltda.	Brazil

FGH Realty Credit LLC	100%	FGH USA LLC	DE, USA

FGH USA LLC	100%	RCC North America LLC	DE, USA

Fifth FGP LLC	100%	FGH USA LLC	DE, USA

Financial Planning Services, Inc.	100%	Commonwealth General Corporation	D.C., USA

FINANCIERE DE L’ECHIQUIER	100%	La Banque Postale Asset Management	France

First FGP LLC	100%	FGH USA LLC	DE, USA

Fourth FGP LLC	100%	FGH USA LLC	DE, USA

Garnet Assurance Corporation	100%	Transamerica Life Insurance Company	KY, USA

Garnet Assurance Corporation II	100%	Commonwealth General Corporation	IA, USA

Garnet Assurance Corporation III	100%	Transamerica Life Insurance Company	IA, USA


Garnet Community Investments IX, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments V, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments VI, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments VII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments VIII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments X, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XI, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XL, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLI, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLIV, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLIX, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLV, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLVI, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLVII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XLVIII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XVIII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XX, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXIV, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXIX, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXV, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXVI, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXVII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXVIII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXI, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXIII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXIV, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXIX, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXV, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXVI, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXVII, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments XXXVIII, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet Community Investments, LLC	100%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund IX, LLC	99.99%	Garnet Community Investments IX, LLC	DE, USA
Garnet LIHTC Fund IX, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund V, LLC	99.99%	Garnet Community Investments V, LLC	DE, USA
Garnet LIHTC Fund V, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund VI, LLC	99.99%	Garnet Community Investments VI, LLC	DE, USA
Garnet LIHTC Fund VI, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund VII, LLC	99.99%	Garnet Community Investments VII, LLC	DE, USA
Garnet LIHTC Fund VII, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund VIII, LLC	99.99%	Garnet Community Investments VIII, LLC	DE, USA
Garnet LIHTC Fund VIII, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund X, LLC	0.01%	Garnet Community Investments X, LLC	DE, USA
Garnet LIHTC Fund XI, LLC	99.99%	Garnet Community Investments XI, LLC	DE, USA
Garnet LIHTC Fund XI, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XII, LLC	0.01%	Garnet Community Investments XII, LLC	DE, USA
Garnet LIHTC Fund XII, LLC	73.39%	Garnet LIHTC Fund XII-A, LLC	DE, USA
Garnet LIHTC Fund XII, LLC	13.30%	Garnet LIHTC Fund XII-B, LLC	DE, USA
Garnet LIHTC Fund XII, LLC	13.30%	Garnet LIHTC Fund XII-C, LLC	DE, USA
Garnet LIHTC Fund XII-A, LLC	99.99%	Garnet Community Investments XII, LLC	DE, USA
Garnet LIHTC Fund XII-A, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XII-B, LLC	99.99%	Garnet Community Investments XII, LLC	DE, USA
Garnet LIHTC Fund XII-B, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XII-C, LLC	99.99%	Garnet Community Investments XII, LLC	DE, USA
Garnet LIHTC Fund XII-C, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XIII, LLC	0.01%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XIII, LLC	68.10%	Garnet LIHTC Fund XIII-A, LLC	DE, USA
Garnet LIHTC Fund XIII, LLC	31.89%	Garnet LIHTC Fund XIII-B, LLC	DE, USA
Garnet LIHTC Fund XIII-A, LLC	99.99%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XIII-A, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XIII-B, LLC	99.99%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XIII-B, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XIV, LLC	99.99%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XIV, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XIX, LLC	99.99%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XIX, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XL, LLC	0.01%	Garnet Community Investments XL, LLC	DE, USA
Garnet LIHTC Fund XLI, LLC	0.01%	Garnet Community Investments XLI, LLC	DE, USA
Garnet LIHTC Fund XLI, LLC	10%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XLII, LLC	0.01%	Garnet Community Investments XLII, LLC	DE, USA


Garnet LIHTC Fund XLIV-A, LLC	Other Manner of Control	Garnet Community Investments XLIV, LLC	DE, USA
Garnet LIHTC Fund XLIV-B, LLC	Other Manner of Control	Garnet Community Investments XLIV, LLC	DE, USA
Garnet LIHTC Fund XLVI, LLC	Other Manner of Control	Garnet Community Investments XLVI, LLC	DE, USA
Garnet LIHTC Fund XLVII, LLC	1%	Garnet Community Investments XLVII, LLC	DE, USA
Garnet LIHTC Fund XLVII, LLC	13.99%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XLVIII, LLC	0.01%	Garnet Community Investments XLVIII, LLC	DE, USA
Garnet LIHTC Fund XLVIII, LLC	75.18%	Transamerica Financial Life Insurance Company	DE, USA
Garnet LIHTC Fund XV, LLC	0.01%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XV, LLC	99.99%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XVI, LLC	0.01%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XVII, LLC	99.99%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XVII, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XVIII, LLC	0.01%	Garnet Community Investments XVIII, LLC	DE, USA
Garnet LIHTC Fund XX, LLC	100%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XXII, LLC	0.01%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XXIII, LLC	99.99%	Garnet Community Investments, LLC	DE, USA
Garnet LIHTC Fund XXIII, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XXIV, LLC	0.01%	Garnet Community Investments XXIV, LLC	DE, USA
Garnet LIHTC Fund XXIV, LLC	21.26%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XXIX, LLC	0.01%	Garnet Community Investments XXIX, LLC	DE, USA
Garnet LIHTC Fund XXV, LLC	0.01%	Garnet Community Investments XXV, LLC	DE, USA
Garnet LIHTC Fund XXV, LLC	1%	Garnet LIHTC Fund XXVIII, LLC	DE, USA
Garnet LIHTC Fund XXVI, LLC	0.01%	Garnet Community Investments XXVI, LLC	DE, USA
Garnet LIHTC Fund XXVII, LLC	0.01%	Garnet Community Investments XXVII, LLC	DE, USA
Garnet LIHTC Fund XXVII, LLC	16.71%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XXVIII, LLC	99.99%	Garnet Community Investments XXVIII, LLC	DE, USA
Garnet LIHTC Fund XXVIII, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XXXI, LLC	0.01%	Garnet Community Investments XXXI, LLC	DE, USA
Garnet LIHTC Fund XXXII, LLC	0.01%	Garnet Community Investments XXXII, LLC	DE, USA
Garnet LIHTC Fund XXXIII, LLC	0.01%	Garnet Community Investments XXXIII, LLC	DE, USA
Garnet LIHTC Fund XXXIV, LLC	99.99%	Garnet Community Investments XXXIV, LLC	DE, USA
Garnet LIHTC Fund XXXIV, LLC	0.01%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XXXIX, LLC	1%	Garnet Community Investments XXXIX, LLC	DE, USA
Garnet LIHTC Fund XXXV, LLC	0.01%	Garnet Community Investments XXXV, LLC	DE, USA
Garnet LIHTC Fund XXXVI, LLC	1%	Garnet Community Investments XXXVI, LLC	DE, USA
Garnet LIHTC Fund XXXVII, LLC	0.01%	Garnet Community Investments XXXVII, LLC	DE, USA
Garnet LIHTC Fund XXXVII, LLC	99.99%	Transamerica Life Insurance Company	DE, USA
Garnet LIHTC Fund XXXVIII, LLC	Other Manner of Control	Garnet Community Investments XXXVIII, LLC	DE, USA
GoBear (Philippines) Inc.	100%	Woodpecker Asia Tech PTE Ltd.	Philippines
GoBear (Vietnam) Co., Ltd.	100%	Woodpecker Asia Tech PTE Ltd.	Vietnam
Hague Reinsurance Management N.V.	100%	AEGON Digital Investments Holding B.V.	Netherlands
Horizons Acquisition 5, LLC	100%	PSL Acquisitions Operating, LLC	FL, USA
Horizons St. Lucie Development, LLC	100%	PSL Acquisitions Operating, LLC	FL, USA
Hubei Xinhuaxin Insurance Sales Company Limited	12.40%	AEGON International B.V.	China
Imani FE, L.P.	Other Manner of Control	TAH Imani Fe GP, LLC	CA, USA
Imani FE, L.P.	99.99%	Garnet LIHTC Fund XIV, LLC	CA, USA
Investors Warranty of America, LLC	100%	RCC North America LLC	IA, USA
Ironwood Re Corp.	100%	Commonwealth General Corporation	HI, USA
IZNES SAS	4.31%	La Banque Postale Asset Management	France
Kognita Lab S.A.	8.74%	Mongeral AEGON Holding Ltda.	Brazil
La Banque Postale Asset Management	25%	AEGON Asset Management Holding B.V.	France
La Banque Postale Asset Management	75%	La Banque Postale Asset Management	France
LBPAM Private Debt GP Lux SARL	100%	La Banque Postale Asset Management	Luxembourg
LCS Associates, LLC	100%	RCC North America LLC	DE, USA
Life Investors Alliance LLC	100%	Transamerica Life Insurance Company	DE, USA
LIHTC Fund 53, LLC	Other Manner of Control	Aegon Community Investments 53, LLC	DE, USA
LIHTC Fund 56, LLC	Other Manner of Control	Aegon Community Investments 56, LLC	DE, USA
LIHTC Fund 59, LLC	Other Manner of Control	Aegon Community Investments 56, LLC	DE, USA
LIHTC Fund XLIX, LLC	Other Manner of Control	Garnet Community Investments XLIX, LLC	DE, USA
LIHTC Fund XLV, LLC	Other Manner of Control	Garnet Community Investments XLV, LLC	DE, USA
LIICA Re II, Inc.	100%	Transamerica Life Insurance Company	VT, USA
Lochside Nominees Limited	100%	Cofunds Limited	United Kingdom
Longevity Services Consultoria e Serviços Ltda.	100%	Mongeral AEGON Holding Ltda.	Brazil
MAG Consultoria de Investimentos Ltda.	100%	Mongeral AEGON Holding Ltda.	Brazil


MAG Instituição de Pagamento Ltda.	100%	Mongeral Aegon Holding Financeira	Brazil
MAG Tanure Holding Participações S.A.	50%	Mongeral AEGON Holding Ltda.	Belo Horizonte, Minas Gerais
Minster Nominees Limited	100%	Cofunds Limited	United Kingdom
Mitigation Manager LLC	100%	RCC North America LLC	DE, USA
Momentum Group Limited	100%	Aegon UK Investment Holdings Limited	United Kingdom
Money Services, Inc.	100%	AUSA Holding, LLC	DE, USA
Mongeral Aegon Administração de Benefícios LTDA.	100%	Mongeral AEGON Holding Ltda.	Brazil
Mongeral Aegon Capitalização S.A.	100%	Mongeral AEGON Seguros e Previdência SA	Brazil
Mongeral Aegon Gestão de Fundos Imobiliários Ltda	20%	Mongeral AEGON Investimentos Ltda.	Brazil
Mongeral Aegon Holding Financeira	100%	Mongeral AEGON Holding Ltda.	Brazil
Mongeral AEGON Holding Ltda.	50%	AEGON Brazil Holding II B.V.	Brazil
Mongeral AEGON Investimentos Ltda.	100%	Mongeral AEGON Holding Ltda.	Brazil
Mongeral Aegon Renda Variavel Ltda	100%	Mongeral AEGON Investimentos Ltda.	Brazil
Mongeral AEGON Seguros e Previdência SA	50%	AEGON Brazil Holding B.V.	Brazil
Monumental General Administrators, Inc.	100%	AUSA Holding, LLC	MD, USA
MT ADMINISTRADORA E CORRETORA DE SEGUROS LTDA	90%	Mongeral AEGON Holding Ltda.	Brazil
Natural Resources Alternatives Portfolio 3, LLC	85%	Transamerica Life Insurance Company	DE, USA
Natural Resources Alternatives Portfolio 3, LLC	15%	Transamerica Financial Life Insurance Company	DE, USA
Natural Resources Alternatives Portfolio I, LLC	32%	Transamerica Life Insurance Company	DE, USA
Natural Resources Alternatives Portfolio I, LLC	64%	Transamerica Life Insurance Company	DE, USA
Natural Resources Alternatives Portfolio I, LLC	4%	Transamerica Financial Life Insurance Company	DE, USA
Natural Resources Alternatives Portfolio II, LLC	35%	Transamerica Life Insurance Company	DE, USA
Natural Resources Alternatives Portfolio II, LLC	60%	Transamerica Life Insurance Company	DE, USA
Natural Resources Alternatives Portfolio II, LLC	5%	Transamerica Financial Life Insurance Company	DE, USA
NEWCAST PROPERTY DEVELOPMENTS (ONE) LIMITED	100%	AEGON UK Property Fund Limited	United Kingdom
NEWCAST PROPERTY DEVELOPMENTS (TWO) LIMITED	100%	AEGON UK Property Fund Limited	United Kingdom
Nomagon Title Grandparent, LLC	100%	AEGON USA Asset Management Holding, LLC	DE, USA
Nomagon Title Holding 1, LLC	100%	Nomagon Title Parent, LLC	DE, USA
Nomagon Title Parent, LLC	100%	Nomagon Title Grandparent, LLC	DE, USA
North Westerly Holding B.V.	100%	AEGON Asset Management Holding B.V.	Netherlands
Origen Financial Services Limited	100%	Momentum Group Limited	United Kingdom
Origen Limited	100%	Momentum Group Limited	United Kingdom
Origen Trustee Services Limited	100%	Momentum Group Limited	United Kingdom
Osceola Mitigation Partners, LLC	50%	Mitigation Manager LLC	FL, USA
Pearl Holdings, Inc. I	100%	AEGON USA Asset Management Holding, LLC	DE, USA
Pearl Holdings, Inc. II	100%	AEGON USA Asset Management Holding, LLC	DE, USA
Pension Geeks Limited	100%	AEGON UK plc	United Kingdom
Peoples Benefit Services, LLC	100%	Transamerica Life Insurance Company	PA, USA
Phinance Spółka Akcyjna	44%	AEGON Growth Capital Fund I GP B.V.	Poland
Placer 400 Investors, LLC	50%	RCC North America LLC	CA, USA
PSL Acquisitions Operating, LLC	100%	RCC North America LLC	IA, USA
PT Futuready Insurance Broker	80%	AEGON DMS Holding B.V.	Indonesia
PT. Aegon Insights Indonesia	0.84%	Aegon Insights Limited	Indonesia
PT. Aegon Insights Indonesia	99.16%	AEGON DMS Holding B.V.	Indonesia
RCC North America LLC	100%	Transamerica Corporation	DE, USA
Real Estate Alternatives Portfolio 2, L.L.C.	2.25%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 2, L.L.C.	30.75%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 2, L.L.C.	22.25%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 2, L.L.C.	37.25%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 2, L.L.C.	7.50%	Transamerica Financial Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 3, L.L.C.	1%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 3, L.L.C.	25.60%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 3, L.L.C.	73.40%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 3A, Inc.	90.60%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 3A, Inc.	9.40%	Transamerica Financial Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 4 HR, LLC	32%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 4 HR, LLC	64%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 4 HR, LLC	4%	Transamerica Financial Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 4 MR, LLC	64%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 4 MR, LLC	32%	Transamerica Life Insurance Company	DE, USA
Real Estate Alternatives Portfolio 4 MR, LLC	4%	Transamerica Financial Life Insurance Company	DE, USA
River Ridge Insurance Company	100%	AEGON Management Company	VT, USA
Rock Springs Drive, LLC	98%	Investors Warranty of America, LLC	MD, USA
SANTANDER GENERALES SEGUROS Y REASEGUROS, S.A.	51%	AEGON España, S.A.U. de Seguros y Reaseguros	Spain
SANTANDER VIDA SEGUROS Y REASEGUROS, S.A.	51%	AEGON España, S.A.U. de Seguros y Reaseguros	Spain
Scottish Equitable (Managed Funds) Limited	Other Manner of Control	Scottish Equitable Holdings Limited	United Kingdom


Scottish Equitable (Managed Funds) Limited	100%	Scottish Equitable plc	United Kingdom
Scottish Equitable Holdings Limited	100%	AEGON UK plc	United Kingdom
Scottish Equitable plc	100%	Scottish Equitable Holdings Limited	United Kingdom
Scottish Equitable plc	Other Manner of Control	AEGON UK plc	United Kingdom
Second FGP LLC	100%	FGH USA LLC	DE, USA
Serenitas, S.L.U.	100%	Aegon Iberia Holding BV, Sucursal en España	Spain
Seventh FGP LLC	100%	FGH USA LLC	DE, USA
Sicoob Seguradora de Vida e Previdência S.A.	50%	Mongeral AEGON Seguros e Previdência SA	Brazil
Simple2u Seguros S.A.	100%	Mongeral AEGON Seguros e Previdência SA	Brazil
St. Lucie West Development Company, LLC	100%	PSL Acquisitions Operating, LLC	FL, USA
Stonebridge Benefit Services, Inc.	100%	Commonwealth General Corporation	DE, USA
TA Private Equity Assets, LLC	100%	Transamerica Life Insurance Company	DE, USA
TA-APOP I, LLC	100%	Transamerica Life Insurance Company	DE, USA
TA-APOP I-A, LLC	90%	Transamerica Life Insurance Company	DE, USA
TA-APOP I-A, LLC	10%	Transamerica Financial Life Insurance Company	DE, USA
TA-APOP II, LLC	73.19%	Transamerica Life Insurance Company	DE, USA
TA-APOP II, LLC	24.40%	Transamerica Financial Life Insurance Company	DE, USA
TABR Realty Services, LLC	100%	AUSA Holding, LLC	DE, USA
TAH Imani Fe GP, LLC	100%	Garnet Assurance Corporation	CA, USA
TAH Pentagon Funds, LLC	100%	Transamerica Affordable Housing, Inc.	IA, USA
TAHP Fund 1, LLC	100%	Garnet LIHTC Fund IX, LLC	DE, USA
TAHP Fund 2, LLC	100%	Garnet LIHTC Fund VIII, LLC	DE, USA
TAHP Fund VII, LLC	100%	Garnet LIHTC Fund XIX, LLC	DE, USA
TAH-Solar SLP, LLC	100%	Transamerica Affordable Housing, Inc.	IA, USA
Tenet Group Limited (Minority Shareholding)	23.27%	AEGON UK plc	United Kingdom
THH Acquisitions, LLC	100%	Transamerica Life Insurance Company	IA, USA
TLIC Oakbrook Reinsurance Inc.	100%	Transamerica Life Insurance Company	IA, USA
TLIC Watertree Reinsurance Inc.	100%	Transamerica Life Insurance Company	IA, USA
Tradition Development Company, LLC	100%	PSL Acquisitions Operating, LLC	FL, USA
Tradition Land Company, LLC	100%	RCC North America LLC	IA, USA
Transamerica (Bermuda) Services Center, Ltd.	100%	AEGON International B.V.	Bermuda
Transamerica Affordable Housing, Inc.	100%	TABR Realty Services, LLC	CA, USA
Transamerica Agency Network, LLC	100%	AUSA Holding, LLC	IA, USA
Transamerica Asset Holding, LLC	100%	AUSA Holding, LLC	DE, USA
Transamerica Asset Management, Inc.	23%	AUSA Holding, LLC	CO, USA
Transamerica Asset Management, Inc.	77%	Transamerica Life Insurance Company	CO, USA
Transamerica Bermuda Re, Ltd.	100%	Transamerica Life Insurance Company	Bermuda
Transamerica Capital, LLC	100%	AUSA Holding, LLC	CO, USA
Transamerica Casualty Insurance Company	100%	Transamerica Corporation	IA, USA
Transamerica Corporation	100%	AEGON International B.V.	DE, USA
Transamerica Corporation	100%	Transamerica Corporation	OR, USA
Transamerica Direct Marketing Asia Pacific Pty. Ltd.	100%	AEGON DMS Holding B.V.	Australia
Transamerica Direct Marketing Consultants Private Limited	100%	AEGON DMS Holding B.V.	India
Transamerica Finance Corporation	100%	Transamerica Corporation	DE, USA
Transamerica Financial Advisors, LLC	100%	AUSA Holding, LLC	DE, USA
Transamerica Financial Life Insurance Company	100%	Transamerica Corporation	NY, USA
Transamerica Fund Services, Inc.	55.87%	AUSA Holding, LLC	CO, USA
Transamerica Fund Services, Inc.	44.13%	Transamerica Life Insurance Company	CO, USA
Transamerica Health Savings Solutions, LLC	100%	Transamerica Retirement Solutions, LLC	DE, USA
Transamerica Insurance Marketing Asia Pacific Pty. Ltd.	100%	Transamerica Direct Marketing Asia Pacific Pty. Ltd.	Australia
Transamerica International Direct Marketing Consultants, LLC	49%	AEGON Direct Marketing Services, Inc.	MD, USA
Transamerica Investors Securities, LLC	100%	Transamerica Retirement Solutions, LLC	DE, USA
Transamerica Life (Bermuda) Ltd.	100%	Transamerica Life Insurance Company	Bermuda
Transamerica Life Insurance Company	100%	Commonwealth General Corporation	IA, USA
Transamerica Life International (Bermuda) Ltd	100%	AEGON International B.V.	Bermuda
Transamerica Pacific Re, Inc.	100%	Transamerica Life Insurance Company	VT, USA
Transamerica Pyramid Properties, LLC	100%	Transamerica Life Insurance Company	DE, USA
Transamerica Resources, Inc.	100%	Monumental General Administrators, Inc.	MD, USA
Transamerica Retirement Advisors, LLC	100%	Transamerica Retirement Solutions, LLC	DE, USA
Transamerica Retirement Insurance Agency, LLC	100%	Transamerica Retirement Solutions, LLC	DE, USA
Transamerica Retirement Solutions, LLC	100%	AUSA Holding, LLC	DE, USA
Transamerica Stable Value Solutions Inc.	100%	Commonwealth General Corporation	DE, USA
Transamerica Travel and Conference Services, LLC	100%	Money Services, Inc.	IA, USA
Transamerica Trust Company	100%	AUSA Holding, LLC	IA, USA
Transamerica Ventures Fund II, LLC	100%	AUSA Holding, LLC	DE, USA
ULI Funding, LLC	100%	AUSA Holding, LLC	IA, USA
United Financial Services, Inc.	100%	Transamerica Corporation	MD, USA
WFG Insurance Agency of Puerto Rico, Inc.	100%	World Financial Group Insurance Agency, LLC	Puerto Rico
WFG Properties Holdings, LLC	100%	World Financial Group, Inc.	GA, USA


WFG Securities Inc.	100%	World Financial Group Holding Company of Canada Inc.	Canada
Winsocial Administradora de Benefícios Ltda.	50.00%	AEGON Brazil Holding II B.V.	Brazil
Woodpecker Asia Holding I B.V.	100%	Woodpecker Holding B.V.	Netherlands
Woodpecker Asia Holding II B.V.	100%	Woodpecker Holding B.V.	Netherlands
Woodpecker Asia Tech PTE Ltd.	100%	Woodpecker Holding B.V.	Singapore
Woodpecker Holding B.V.	50.00%	AEGON International B.V.	Netherlands
World Financial Group Holding Company of Canada Inc.	100%	Commonwealth General Corporation	Canada
World Financial Group Insurance Agency of Canada Inc.	100%	World Financial Group Holding Company of Canada Inc.	Canada
World Financial Group Insurance Agency of Hawaii, Inc.	100%	World Financial Group Insurance Agency, LLC	HI, USA
World Financial Group Insurance Agency of Massachusetts, Inc	100%	World Financial Group Insurance Agency, LLC	MA, USA
World Financial Group Insurance Agency of Wyoming, Inc.	100%	World Financial Group Insurance Agency, LLC	WY, USA
World Financial Group Insurance Agency, LLC	100%	AUSA Holding, LLC	CA, USA
World Financial Group, Inc.	100%	Transamerica Asset Holding, LLC	DE, USA
Yarra Rapids, LLC	49.00%	Real Estate Alternatives Portfolio 4 MR, LLC	DE, USA
Zahorik Company, Inc.	100%	AUSA Holding, LLC	CA, USA
Zero Beta Fund, LLC	50.14%	Transamerica Life Insurance Company	DE, USA
Zero Beta Fund, LLC	33.28%	Transamerica Life Insurance Company	DE, USA
Zero Beta Fund, LLC	16.58%	Transamerica Financial Life Insurance Company	DE, USA

Item 30. Indemnification

The Iowa Code (Sections 490.850 et. seq.) provides for permissive indemnification in certain situations, mandatory indemnification in other situations, and prohibits indemnification in certain situations. The Code also specifies producers for determining when indemnification payments can be made.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person in connection with the securities being registered), the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Item 31 Principal Underwriters

(a)

Transamerica Capital, LLC serves as the principal underwriter for the Merrill Lynch Life Variable Annuity Separate Account, Merrill Lynch Life Variable Annuity Separate Account A, Merrill Lynch Life Variable Annuity Separate Account B, Merrill Lynch Life Variable Annuity Separate Account C, Merrill Lynch Life Variable Annuity Separate Account D, Merrill Lynch Variable Life Separate Account, and Merrill Lynch Variable Life Separate Account II, Retirement Builder Variable Annuity Account, Separate Account Fund B, Separate Account Fund C, Separate Account VA AA, Separate Account VA B, Separate Account VA BB, Separate Account VA CC, Separate Account VA DD, Separate Account VA FF, Separate Account VA HH, Separate Account VA Q, Separate Account VA U, Separate Account VA V, Separate Account VA-1, Separate Account VA-2L, Separate Account VA-5, Separate Account VA-6, Separate Account VA-7, Separate Account VA-8, Separate Account VL, Separate Account VL E, Separate Account VUL-A, Separate Account VUL-1; Separate Account VUL-2, Separate Account VUL-3, Separate Account VUL-4, Separate Account VUL-5, Separate Account VUL-6, Transamerica Corporate Separate Account Sixteen, Transamerica Separate Account R3, Variable Life Account A, WRL Series Annuity Account, WRL Series Annuity Account B, WRL Series Life Account, WRL Series Life Account G, and WRL Series Life Corporate Account. These accounts are separate accounts of Transamerica Life Insurance Company.

Transamerica Capital, LLC serves as principal underwriter for ML of New York Variable Annuity Separate Account A, ML of New York Variable Annuity Separate Account B, ML of New York Variable Annuity Separate Account C, ML of New York Variable Annuity Separate Account D, ML of New York Variable Life Separate Account, ML of New York Variable Life Separate Account II, Separate Account VA BNY, Separate Account VA QNY, Separate Account VA-2LNY, Separate Account VA-5NLNY, Separate Account VA-6NY, TFLIC Separate Account B, TFLIC Separate Account C, TFLIC Separate Account VNY, TFLIC Pooled Account No. 44, TFLIC Series Annuity Account, TFLIC Series Life Account, and Transamerica Variable Funds. These accounts are separate accounts of Transamerica Financial Life Insurance Company.

Transamerica Capital, LLC also serves as principal underwriter for Transamerica Series Trust and Transamerica Funds.

(b) Directors and Officers of Transamerica Capital, LLC:


Name	Principal Business Address	Position and Offices with Underwriter
Brian Beitzel	(2)	Manager, Treasurer and Chief Financial Officer
Rob Carney	(3)	Manager, Chairman of the Board, Chief Executive Officer and President
Doug Hellerman	(3)	Vice President and Chief Compliance Officer
Timothy Ackerman	(3)	Manager and Vice President
Mark Halloran	(3)	Manager
Jennifer Pearce	(3)	Vice President
Daniel Goodman	(1)	Secretary
David Cheung	(3)	Assistant Secretary

100 Light Street, Floor B1, Baltimore, MD 21202

6400 C Street SW., Cedar Rapids, IA 52499

1801 California Street, Suite 5200, Denver, CO 80202


Name of Principal Underwriter	Net Underwriting Discounts and Commissions		Compensation on Redemption		Brokerage Commissions		Compensation
Transamerica Capital, LLC		$267,041,543.22		$0.00		$0.00		$0.00

Item 31A. Information About Contracts with Index-Linked Options and Fixed Options Subject to a Contract Adjustment

(a)

Name of the
Contract

Number of
Contracts
Outstanding

Total Value Attributable
to the Index-Linked
Option and/or Fixed
Option Subject to a
Contract Adjustment

Number of
Contracts
Sold During
the Prior
Calendar
Year

Gross

Premiums

Received

During the

Prior Calendar

Year

Amount of

Contract Value

Redeemed

During the

Prior Calendar

Year

Combination
Contract
(Yes/No)

Transamerica Structured Index Advantage^® Annuity

12,200

$2,688,115,822.96

8,435

1,553,809,471.77

25,611,559.80

(b)	See Exhibit 27(r).

Item 32. Location of Accounts and Records

Not applicable.

Item 33. Management Services.

All management service contracts, if any, are discussed in Part A or Part B.

Item 34. Undertakings

With regard to Index-Linked Options and/or Fixed Options subject to a Contract Adjustment, the Registrant undertakes:

To file, during any period in which offers or sales are being made, a post-effective amendment to the registration statement to include any prospectus required by section 10(a)(3) of the Securities Act; and

That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the registrant has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Denver, State of Colorado, on May 15, 2025.


		TRANSAMERICA LIFE INSURANCE COMPANY
		(Registrant)

		*
By:		Jamie Ohl
		Director and President
		(principal executive officer)

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated on May 15, 2025.


Signatures				Title

*				Director and President (principal executive officer)
Jamie Ohl

*				Director, Chairman of the Board and President, Financial Assets (principal accounting officer)
Bonnie T. Gerst

*				Director and Chief Corporate Affairs Officer
Maurice Perkins

*				Director, Secretary, General Counsel and Senior Vice President
Andrew S. Williams

*				Director, Chief Financial Officer, Executive Vice President and Treasurer (principal financial officer)
Matt Keppler

*				Director, Chief Strategy & Development Officer and Senior Vice President
Chris Giovanni

/s/ Brian Stallworth*				Assistant Secretary
Brian Stallworth

*By: Brian Stallworth – Attorney-in-Fact pursuant to Powers of Attorney filed previously and/or herewith.

ATTACHMENTS / EXHIBITS

EX-99.(D)(XVII)

EX-99.(O)

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