Transamerica LifeGoal 2050 with BlackRock Ret Opt
Release Date: 03-31-2024
Transamerica LifeGoal 2050 with BlackRock Ret Opt
..........................................................................................................................................................................................................................................................................................................................................
Benchmark
Overall Morningstar Rating?
Morningstar Return
Morningstar Risk
Transamerica Asset Classification
Multi-Asset/Other
Target Date Investment Choices
Morningstar Lifetime Mod 2050 TR USD
Investment Information
Performance
Investment Objective & Strategy
Objective:
The Fund seeks to maximize returns while maintaining a level
of risk appropriate for a person planning to retire in or about
the calendar year designated in the Fund¡¯s name.
Strategy:
The Fund will principally invest in a mix of mutual funds
managed by BlackRock Institutional Trust Company, N.A.
and/or an affiliate and a group annuity contract issued by and
supported by the general account of Transamerica Life
Insurance Company (TLIC), and may also invest in other
mutual funds, exchange-traded funds, group annuity
contracts and/or collective investment trusts.
Operations
.
Redemption Fee/Term
Expense Ratio
Type 7*: 0.82% of fund assets
Underlying Incept Date
11-20-20
.
Underlying Initial Share
Class Incept Date
Separate Account Incept 08-30-06
Closed to New Investors .
.
Trading Restrictions
................................................................................................
*See Disclosure Page under "Charges, Fees and Expenses" for
more details.
Investment Choice Annual Returns as of year-end
Bmark %
Fund Rank %
20.64
-8.82
25.64
14.29
17.79
-18.69
20.25
20.78
-8.41
25.09
12.91
16.60
-16.91
17.85
55
61
26
67
30
61
41
2017
2018
2019
2020
2021
2022
2023
Morningstar Rating?
Fund Rank Percentile
Out of # of Investments
Composition as of 03-31-24
Morningstar Sectors as of 03-31-24
Low
Small
Value Blend Growth
Notes
70
70
53
46
67
66
.
1-Year
3-Year
5-Year
10-Year
.
53
196
QQQ
QQ
QQQ
46
191
67
171
66
105
Ltd
Mod
% Assets
Top 10 Holdings as of 03-31-24
BlackRock Russell 1000? Index F
BlackRock MSCI ACWI ex-U.S. IMI Idx F
BlackRock Developed Real Estate Idx F
BlackRock Russell 2000? Index F
Transamerica Stable Value Blac Transamerica
Stable Value Bl
56.34
32.78
4.54
2.75
2.02
.......................................................................................................
Morningstar Style Box? as of 03-31-24(EQ) ; 03-31-24(F-I)
.......................................................................................................
The TLIC Separate Account invests in the Transamerica
LifeGoal(SM) 2050 Fund, a collective investment trust fund.
Prior to 11-20-2020 the TLIC Separate Account invested in
the BlackRock Lifepath Index 2050 Fund, a collective
investment trust fund (TRS CIT). The TRS CIT invested
exclusively in the BlackRock Lifepath Index 2050 Fund (Class
F Shares), a collective investment trust fund. Prior to
11-20-2020, the TLIC Separate Account was named the TA
BlackRock Lifepath Index 2050 Ret Opt but on this date
changed its name to the Transamerica LifeGoal 2050 with
BlackRock Ret Opt. The historical performance from the
06-02-17 until 11-20-2020 reflects the performance of the
Transamerica LifeGoal 2050 with BlackRock Ret Opt which
invested in the BlackRock Lifepath Index 2050 Fund, a
collective investment trust fund, which, in turn, invested
exclusively in the BlackRock Lifepath Index 2050 Fund (Class
F Shares), a collective investment trust fund. Prior to
61.7
34.2
0.8
3.2
0.1
Med
$21,363
% Assets
U.S. Stocks
Non U.S. Stocks
Bonds
Cash
Other
High
Benchmark
Fund Rank %
6.25
6.25
18.65
4.84
8.87
7.66
.
Underlying Portfolio Analysis
Large Mid
$21,942
Bmark %
7.11
7.11
20.93
5.57
9.54
8.00
.
Performance Disclosure: The performance data quoted represents past performance and does not guarantee future
results. The investment return and principal value will fluctuate. Upon redemption, shares may be worth more or
less than their original cost. Current performance may be lower or higher than return data quoted herein. Go to
TA- to obtain performance current to the most recent month-end. See performance section
of the disclosure page for more important information.
Investment choices are available from Transamerica Life Insurance Company (TLIC or Transamerica) under
contract form # TGP-439-194, TGP-416-192/194, TGP-430-192/194, CNT-TALIAC 05-02, or CNT-TLIC 10-05, group
variable annuity contracts underwritten by TLIC. TLIC is not authorized in New York and does not do business in
New York. Contract Form and number may vary, and the Investment Choices may not be available in all
jurisdictions. Contract fees and charges may apply. For complete information, contact your Transamerica
representative.
NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE.
03-31-24
Investment Choice
Total Ret %
YTD
3 Mo
1 Yr
3Yr Avg
5Yr Avg
10Yr Avg
Since Incep
Morningstar Proprietary Statistics
Management Team. Since 2020.
................................................................................................
Advisor
Mesirow Financial Investment
Management, Inc.
.
Subadvisor
Trailing Returns as of 03-31-24
Total Ret %
Portfolio Manager(s)
1247
Above Average
Rated against 191 Target-Date 2050 funds. An investment's overall Morningstar Rating, based on its riskadjusted return, is a weighted average of its applicable 3-, 5-, and 10-year Ratings. See disclosure for
details.
The Transamerica LifeGoal 2050 with BlackRock Ret Opt, a
TLIC Separate Account, invests in the Transamerica
LifeGoal(SM) 2050 Fund, a collective investment trust fund.
Prior to 11/20/2020 this Separate Account was named the
TA BlackRock Lifepath Index 2050 Ret Opt.
Hypothetical Growth of $10,000 start date 12-31-13
Average
QQQ
Ext
% Fund
h Cyclical
36.65
.......................................................................................................
r Basic Materials
4.12
t Consumer Cyclical
10.37
y Financial Services
14.75
u Real Estate
7.41
j Sensitive
44.53
.......................................................................................................
i Communication Services
6.92
o Energy
4.35
p Industrials
10.82
a Technology
22.44
k Defensive
18.82
.......................................................................................................
s Consumer Defensive
5.83
d Healthcare
10.70
f Utilities
2.29
State Street Instl US Govt MMkt Premier
BlackRock U.S. Trs Infl-Prot Secs F
Long Term Government Bond Index Fund F
BlackRock Commodity Index Daily F
0.60
0.47
0.35
0.14
.......................................................................................................
Total Number of Holdings
Annual Turnover Ratio %
9
81.00
Port Avg
Equity Statistics as of 03-31-24
P/E Ratio
P/B Ratio
GeoAvgCap ($mil)
Risk Measures as of 03-31-24
Std Dev
Beta
Sharpe Ratio
Alpha
R-squared
18.11
2.46
86,757.82
3-Year
5-Year
10-Year
16.50
1.02
0.23
0.70
98.91
17.65
1.02
0.48
0.55
99.20
14.30
1.01
0.51
0.29
99.07
F-I Statistics as of 03-31-24
Avg Eff Duration
Avg Eff Maturity
?2024 Morningstar, Inc., Morningstar Investment Profiles? 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to
Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar
nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future
performance. Visit our investment website at .
10.40
13.85
?
?
Release Date: 03-31-2024
06-02-17, the TLIC Separate Account invested exclusively in
the Vanguard Target Retirement 2050 Fund, a mutual fund.
The Transamerica LifeGoal 2050 with BlackRock Ret Opt
historical performance prior to the Separate Account
inception is calculated utilizing actual past performance for
the underlying mutual fund and adjusted for the Separate
Account Maintenance (SAM) and Administrative (Admin)
Charges. Effective 09-30-15, the Vanguard Target Retirement
2050 Ret Opt changed its name to the TA Vanguard Target
Retirement 2050 Ret Opt. Performance prior to 11-20-2020,
represents the performance of the TLIC Separate Account
under a different name and investment strategy and which
utilized a different underlying investment vehicle and
investment advisor. As a result, the performance noted during
this time period, including performance prior to the inception
of the TLIC Separate Account, does not reflect the
performance of the current investment strategy of the TLIC
Separate Account.
Principal Risks
Lending, Foreign Securities, Country or Region, Active
Management, Commodity, Equity Securities, Underlying Fund/
Fund of Funds, Derivatives, Fixed-Income Securities, Target
Date, Real Estate/REIT Sector
.......................................................................................................
For more information please see the Principal Risks section of
the Disclosure Page.
1247
?2024 Morningstar, Inc., Morningstar Investment Profiles? 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to
Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar
nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of future
performance. Visit our investment website at .
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?
Page 1 of 16
Disclosure
The investment fact sheets must be accompanied by this
disclosure statement. The performance data given represents
past performance and should not be considered indicative of
future results. An investment in these investment choices,
other than the Transamerica Stable Value investment
choice(s), is subject to market risk. Principal value and
investment return will fluctuate, so that an investor's shares,
when redeemed, may be worth more or less than the original
investment. Current performance may be lower or higher than
the performance data quoted herein. Separate account
investment choice statistics change over time. The
investment choice is not FDIC insured, may lose value and is
not guaranteed by a bank or other financial institution.
The separate account investment choices offered are exempt
from registration with the SEC; therefore, no prospectuses
are filed for them. However, certain of the separate account
investment choices, other than the Stable Value investment
choices, invest in mutual funds which are subject to SEC
registration.
Translations of any materials or text into languages other than
English are intended solely as a convenience to the nonEnglish language speakers and are not legally binding. Such
materials and their translation help to facilitate the
administration and operation of the plan and are not intended
as an investment solicitation or an investment
recommendation. We have attempted to provide an accurate
translation of the original material in English, but due to the
nuances in translating to a foreign language, slight
differences may exist. Assistance may be available to nonEnglish language speakers in order to help understand the
retirement plan materials and any applicable related
investment disclosure materials (which may be available only
in the English language) for the investment options under the
plan. Such assistance may be accessed through your
employer or by calling our Customer Contact Center and
asking to speak with a Spanish-speaking representative. You
should carefully review the content of any prospectus
applicable to an investment before you invest.
Prospectuses and summary prospectus, if applicable, for
these mutual funds can be ordered directly from the fund
company or obtained upon request from Transamerica
Retirement Solutions at TA-.
Investors should consider the investment objectives, risks,
and charges and expenses of the fund carefully before
investing. The prospectus and summary prospectus, if
applicable, for each fund contains this and other important
information about that fund. Read each prospectus carefully
before investing. Additional information on all the investment
choices is available on the investment fact sheets.
Performance
Unless otherwise noted, all data is shown as of the release
date of these investment fact sheets. Performance shown is
average annual total separate account investment choice
returns (except 3 months and year-to-date) for the period
indicated, net of the total operating expenses of the separate
account and underlying investment (if applicable) as listed on
the individual investment fact sheets. Performance returns
reflect reinvestment of dividends and capital gains
distributions. Performance does not reflect application of the
contract asset charges and any discontinuance charges or
service fees deducted from an account: such charges and
fees would reduce a participant's return.
For separate account investment choices invested in mutual
fund shares, except as otherwise indicated, historical
performance prior to the separate account investment choice
inception date is calculated utilizing past performance for the
underlying mutual fund.
Performance shown since inception is from the inception date
of the separate account or underlying investment as
described on the individual investment fact sheets. See
individual investment fact sheet for the date of inception.
While performance prior to the inception of the separate
account is intended to provide insight into how the strategy
has performed historically, it is important to remember this is
not the actual performance of the separate account and
future performance of the separate account may differ. No
representation is made that the separate account¡¯s
performance would have been the same as the preinception
performance had the separate account been in existence
during such time and the related performance of the
Underlying Fund has certain limitations which should be
considered. For example, it does not reflect the current
investment strategy or the actual trading of the separate
account and due to a number of factors including, but not
limited to asset flows or market disruptions, may result in
differences in performance between the separate account
and the Underlying Fund. Moreover, there is no guarantee
that the investment strategy of the separate account and
related accounts will be the same going forward.
The benchmarks are unmanaged indices and have no fees or
expense charges. One cannot invest directly in an index.
Fund Ranking: This is the total return percentile rank within
each Morningstar Category. The highest (or most favorable)
percentile rank is 1 and the lowest (or least favorable)
percentile rank is 100. Historical percentile ranks are based
on a snapshot of the funds as they were at the time of the
calculation. Percentile ranks within categories are most useful
in those groups that have a large number of funds. For small
universes, funds will be ranked at the highest percentage
possible. For instance, if there are only two utility funds with
10-year average total returns, Morningstar will assign a
percentile rank of 1 to the top-performing fund, and the
second fund will earn a percentile rank of 51 (indicating the
fund underperformed 50% of the sample).
Hypothetical Growth: The value of a hypothetical $10,000
investment over the past 10 years (or since inception for
investment choices lacking 10-year history). Data assumes
reinvestment of dividends and capital gains. Results reflect
past performance and do not guarantee future results.
Adjusted Historical Returns and Extended Performance
Rating: Morningstar provides adjusted historical returns and
an extended performance rating for some mutual funds in its
universe. This means that any share class that doesn't have a
10-year performance history may show adjusted returns and
receive a hypothetical Morningstar Rating based on the
oldest surviving share class of the fund. Morningstar will
adjust the performance history of the original portfolio to
?2024 Morningstar, Inc., Morningstar Investment Profiles? 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to
Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither
Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of
future performance. Visit our investment website at .
reflect any differences in fees between the original share
class and the new share class. Because share classes are
based on the same underlying portfolio of securities, the only
differences in performance can be attributable to fees. First,
Morningstar computes the funds' new return stream by
appending an adjusted return history of the oldest share
class. Next, the Extended Performance Rating is determined
by comparing the adjusted-historical returns to the current
open-end mutual fund universe to identify placement in the
bell curve used to assign the Morningstar Rating.
Morningstar Rating?
The Morningstar RatingTM for funds, or "star rating", is
calculated for managed products (including mutual funds,
variable annuity and variable life subaccounts, exchangetraded funds, closed-end funds, and separate accounts) with
at least a three-year history. Exchange-traded funds and
open-ended mutual funds are considered a single population
for comparative purposes. It is calculated based on a
Morningstar Risk-Adjusted Return measure that accounts for
variation in a managed product's monthly excess
performance, placing more emphasis on downward variations
and rewarding consistent performance. The Morningstar
Rating does not include any adjustment for sales loads. The
top 10% of products in each product category receive 5 stars,
the next 22.5% receive 4 stars, the next 35% receive 3 stars,
the next 22.5% receive 2 stars, and the bottom 10% receive
1 star. The Overall Morningstar Rating for a managed product
is derived from a weighted average of the performance
figures associated with its three-, five-, and 10-year (if
applicable) Morningstar Rating metrics. The weights are:
100% three-year rating for 36-59 months of total returns,
60% five-year rating/40% three-year rating for 60-119 months
of total returns, and 50% 10-year rating/30% five-year
rating/20% three-year rating for 120 or more months of total
returns. While the 10-year overall star rating formula seems
to give the most weight to the 10-year period, the most
recent three-year period actually has the greatest impact
because it is included in all three rating periods.
For private funds, the Morningstar Rating presented is
hypothetical, because Morningstar does not independently
analyze private funds. Rather, the rating is assigned as a
means to compare these funds with the universe of mutual
funds that Morningstar rates. The evaluation of this
investment does not affect the retail mutual fund data
published by Morningstar.
Morningstar Return
The Morningstar Return rates a fund¡¯s performance relative to
other managed products in its Morningstar Category. It is an
assessment of a product's excess return over a risk-free rate
(the return of the 90-day Treasury Bill) in comparison with the
products in its Morningstar category. In each Morningstar
category, the top 10% of products earn a High Morningstar
Return (High), the next 22.5% Above Average (+Avg), the
middle 35% Average (Avg), the next 22.5% Below Average (Avg), and the bottom 10% Low (Low). Morningstar Return is
measured for up to three time periods (three, five, and 10
years). These separate measures are then weighted and
averaged to produce an overall measure for the product.
Products with less than three years of performance history
are not rated.
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Page 2 of 16
Disclosure
Morningstar Risk
Morningstar Risk evaluates a fund¡¯s downside volatility
relative to that of other products in its Morningstar Category.
It is an assessment of the variations in monthly returns, with
an emphasis on downside variations, in comparison with the
products in its Morningstar category. In each Morningstar
category, the 10% of products with the lowest measured risk
are described as Low Risk (Low), the next 22.5% Below
Average (-Avg), the middle 35% Average (Avg), the next
22.5% Above Average (+Avg), and the top 10% High (High).
Morningstar Risk is measured for up to three time periods
(three, five, and 10 years). These separate measures are
then weighted and averaged to produce an overall measure
for the product. Products with less than three years of
performance history are not rated.
Asset Classes
The investment choices have been assigned to various asset
classes by Transamerica Retirement Solutions. They may not
be representative of that particular asset class in the future.
The asset classes are described under "Principal Risk
Definitions".
Risk Measures
R-squared reflects the percentage of an investment choice's
movements that are explained by movements in its
benchmark index, showing the degree of correlation between
the investment choice and the benchmark.
Beta is a measure of an investment choice's sensitivity to
market movements. A portfolio with a beta greater than 1 is
more volatile than the market, and a portfolio with a beta less
than 1 is less volatile than the market.
Alpha measures the difference between an investment
choice's actual returns and its expected performance, given
its level of risk (as measured by beta). Alpha is often
considered to represent the value that a portfolio manager
adds by actively managing the portfolio.
Sharpe ratio is the average return, less the risk free return,
divided by the standard deviation of return. The ratio
measures the relationship of reward to risk in an investment
strategy. The higher the ratio, the safer the strategy.
Standard deviation is a statistical measure of the degree to
which an individual value in a probability distribution tends to
vary from the mean of the distribution. It is widely applied in
modern portfolio theory, for example, where the past
performance of securities is used to determine the range of
possible future performances and a probability is attached to
each performance. The standard deviation of performance
can then be calculated for each security and for the portfolio
as a whole. The greater the degree of dispersion, the greater
the risk. Standard deviation, therefore, is a statistical
measure of the volatility of the investment choice's returns.
Morningstar Style Box?
The Morningstar Style Box? reveals a fund¡¯s investment
strategy as of the date noted on this report.
For equity funds, the vertical axis shows the market
capitalization of the long stocks owned, and the horizontal
axis shows the investment style (value, blend, or growth.) A
darkened cell in the style box matrix indicates the weighted
average style of the portfolio.
For portfolios holding fixed-income investments, a Fixed
Income Style Box is calculated. The vertical axis shows the
credit quality based on credit ratings and the horizontal axis
shows interest-rate sensitivity as measured by effective
duration. There are three credit categories - "High",
"Medium", and "Low"; and there are three interest rate
sensitivity categories - "Limited", "Moderate", and "Extensive";
resulting in nine possible combinations. As in the Equity Style
Box, the combination of credit and interest rate sensitivity for
a portfolio is represented by a darkened square in the matrix.
Morningstar uses credit rating information from credit rating
agencies (CRAs) that have been designated Nationally
Recognized Statistical Rating Organizations (NRSROs) by the
Securities and Exchange Commission (SEC) in the United
States. For a list of all NRSROs, please visit https://
ocr/ocr-current-nrsros.html. Additionally,
Morningstar will use credit ratings from CRAs which have
been recognized by foreign regulatory institutions that are
deemed the equivalent of the NRSRO designation. To
determine the rating applicable to a holding and the
subsequent holding weighted value of a portfolio two
methods may be employed. First is a common methodology
approach where if a case exists such that two CRAs have
rated a holding, the lower rating of the two should be applied;
if three or more CRAs have rated a holding, the median rating
should be applied; and in cases where there are more than
two ratings and a median rating cannot be determined, the
lower of the two middle ratings should be applied.
Alternatively, if there is more than one rating available an
average can be calculated from all and applied.
Please Note: Morningstar, Inc. is not an NRSRO nor does it
issue a credit rating on the fund. Credit ratings for any
security held in a portfolio can change over time.
Morningstar uses the credit rating information to calculate a
weighted-average credit quality value for the portfolio. This
value is based only upon those holdings which are considered
to be classified as "fixed income", such a government,
corporate, or securitized issues. Other types of holdings such
as equities and many, though not all, types of derivatives are
excluded. The weighted-average credit quality value is
represented by a rating symbol which corresponds to the
long-term rating symbol schemas employed by most CRAs.
Note that this value is not explicitly published but instead
serves as an input in the Style Box calculation. This symbol is
then used to map to a Style Box credit quality category of
¡°low,¡± ¡°medium,¡± or ¡°high¡±. Funds with a "low" credit quality
category are those whose weighted-average credit quality is
determined to be equivalent to the commonly used High Yield
classification, meaning a rating below "BBB", portfolios
assigned to the "high" credit category have either a "AAA" or
"AA+" average credit quality value, while "medium" are those
with an average rating of ¡°AA-¡° inclusive to "BBB-". It is
expected and intended that the majority of portfolios will be
assigned a credit category of "medium".
?2024 Morningstar, Inc., Morningstar Investment Profiles? 312-696-6000. All rights reserved. The information contained herein: (1) is proprietary to
Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither
Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. Past performance is no guarantee of
future performance. Visit our investment website at .
For assignment to an interest-rate sensitivity category,
Morningstar uses the average effective duration of the
portfolio. From this value there are three distinct
methodologies employed to determine assignment to
category. Portfolio which are assigned to Morningstar
municipal-bond categories employ static breakpoints
between categories. These breakpoints are: "Limited" equal
to 4.5 years or less, "Moderate" equal to 4.5 years to less
than 7 years; and "Extensive" equal to more than 7 years. For
portfolios assigned to Morningstar categories other than U.S.
Taxable, including all domiciled outside the United States,
static duration breakpoints are also used: "Limited" equals
less than or equal to 3.5 years, "Moderate" equals greater
than 3.5 years but less than or equal to 6 years, and
"Extensive" is assigned to portfolios with effective durations
of more than 6 years.
Note: Interest-rate sensitivity for non-U.S. domiciled
portfolios (excluding those in Morningstar convertible
categories) may be assigned using average modified duration
when average effective duration is not available.
For portfolios Morningstar classifies as U.S. Taxable FixedIncome, interest-rate sensitivity category assignment is
based on the effective duration of the Morningstar Core Bond
Index (MCBI). The classification assignment is dynamically
determined relative to the benchmark index value. A
¡°Limited¡± category will be assigned to portfolios whose
average effective duration is between 25% to 75% of MCBI
average effective duration, where the average effective
duration is between 75% to 125% of the MCBI the portfolio
will be classified as ¡°Moderate¡±, and those portfolios with an
average effective duration value 125% or greater of the
average effective duration of the MCBI will be classified as
¡°Extensive¡±.
Charges, Fees and Expenses
Deposits made by plan participants are not subject to any
front-end loads/sales fees of the underlying mutual fund.
Therefore, such fees are not reflected in the performance
reported.
Type 1: The expense ratio quoted reflects the maximum total
operating expenses, of the investment choice, which include
the Separate Account Maintenance and Investment Account
Class I Administrative Charges assessed by Transamerica, if
applicable. The actual expense ratio experienced may be less
than the expense ratio quoted. There may also be charges to
your balance in the separate accounts for contract asset
charges, discontinuance charges or service fees, as
applicable under your contract, which are not reflected on
these fact sheets.
Type 2: The expense ratio quoted reflects the total operating
expenses, of the underlying investment, net of any fee
waivers. There may also be charges to your balance in the
separate accounts for contract asset charges, discontinuance
charges or service fees, as applicable under your contract,
which are not reflected on these fact sheets.
Type 3: The expense ratio quoted reflects the maximum total
operating expenses, of the investment choice which include
the underlying TLIC Separate Account Maintenance and
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Page 3 of 16
Disclosure
Investment Account Class VIII Administrative Charges
assessed by Transamerica, if applicable. There may also be
charges to your balance in the separate accounts for contract
asset charges or service fees, as applicable under your
contract, which are not reflected on these fact sheets.
consist of the underlying TLIC Separate Account Maintenance
and Investment Account Class IX Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers.
Type 4: The expense ratio quoted reflects the total operating
expenses, of the underlying investment, net of any fee
waivers. There may also be charges to your balance in the
separate accounts for contract asset charges or service fees,
as applicable under your contract, which are not reflected on
these fact sheets.
Type 12: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
consist of the underlying TLIC Separate Account Maintenance
and Investment Account Class IX Administrative Charges
assessed by Transamerica.
Type 5: The expense ratio quoted reflects the maximum total
operating expenses, of the investment choice, which include
the underlying TLIC Separate Account Maintenance and
Investment Account Class VII Administrative Charge
assessed by Transamerica and the total operating expenses
of the underlying investment, net of any fee waivers.
Type 6: The expense ratio quoted reflects the maximum total
operating expenses, of the investment choice, which include
the underlying TLIC Separate Account Maintenance and
Investment Account Class VII Administrative Charge
assessed by Transamerica.
Type 7: The expense ratio quoted reflects the maximum total
operating expenses, of the investment choice, which include
the Separate Account Maintenance and Administrative
Charges assessed by Transamerica (if applicable), and the
total operating expenses of the underlying investment, net of
any fee waivers. There may also be charges to your balance
in the separate accounts for contract asset charges,
discontinuance charges or service fees, as applicable under
your contract, which are not reflected on these fact sheets.
Type 8: The expense ratio quoted reflects the maximum total
operating expenses of the investment choice, which include
the underlying TLIC Separate Account Maintenance and
Investment Account Class VIII Administrative Charges
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 9: The expense ratio quoted reflects the maximum total
operating expenses of the investment choice, which include
the underlying TLIC Separate Account Maintenance and
Investment Account Class XX Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers.
Type 10: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
consist of the underlying TLIC Separate Account Maintenance
and Investment Account Class XX Administrative Charges
assessed by Transamerica.
Type 11: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
Type 13: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class X Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 14: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class XI Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 15: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class XII Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 16: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class XIII Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 17: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class XIV Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
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the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 18: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class XV Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 19: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class 201 Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 20: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class 201 Administrative Charge,
assessed by Transamerica. There may also be charges to
your balance in the separate accounts for contract asset
charges or service fees, as applicable under your contract,
which are not reflected on these fact sheets.
Type 21: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class 202 Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
fees, as applicable under your contract, which are not
reflected on these fact sheets.
Type 22: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class 202 Administrative Charge,
assessed by Transamerica. There may also be charges to
your balance in the separate accounts for contract asset
charges or service fees, as applicable under your contract,
which are not reflected on these fact sheets.
Type 23: The expense ratio quoted reflects the maximum
total operating expenses of the investment choice, which
include the underlying TLIC Separate Account Maintenance
and Investment Account Class 301 Administrative Charge,
assessed by Transamerica (if applicable), and the total
operating expenses of the underlying investment, net of any
fee waivers. There may also be charges to your balance in
the separate accounts for contract asset charges or service
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