Registered index-linked annuity · SEC-registered · defined downside design
Transamerica Structured Index Advantage Annuity NY
Issued by Transamerica Financial Life Insurance Company
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 15% buffer | 20% buffer |
|---|---|---|---|
| S&P 500 | |||
| 1-yearPoint-to-point | 13.5% cap Segment detailsMinimum cap: 5%Minimum participation: 10%Minimum buffer: 0% | 11.25% cap Segment detailsMinimum cap: 4.5%Minimum participation: 10%Minimum buffer: 0% | — |
| 2-yearPoint-to-point | 24% cap Segment detailsMinimum cap: 10%Minimum participation: 10%Minimum buffer: 0% | 21% cap Segment detailsMinimum cap: 9%Minimum participation: 10%Minimum buffer: 0% | — |
| 6-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 30%Minimum participation: 10%Minimum buffer: 0% | — | 55% cap Segment detailsMinimum cap: 24%Minimum participation: 10%Minimum buffer: 0% |
| Fixed account | |||
| 1-year · Declared rate | 3.5% fixedSegment detailsMinimum fixed-account rate: 1% | ||
| Triple Edge Advantage · index and upside rates not published | |||
| 1-year · 10% buffer | Upside rates not published | ||
| 2-year · 10% buffer | Upside rates not published | ||
| 6-year · 10% buffer | Upside rates not published | ||
Showing 6 of 6 indexed segments.
3 Triple Edge Advantage rows publish a term and buffer but no linked index or Edge/Edge+ upside rates. They are retained separately and excluded from indexed outcome figures.
Triple Edge Advantage rows publish a term and buffer but no linked index or Edge/Edge+ upside rates in the current feed. They remain in a separate ledger and are excluded from outcome math.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Read the minimum buffer twice. A renewed segment may carry no buffer at all. Today’s buffer is a declared term and is not fixed for the life of the contract.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- The current New York menu publishes annual, two-year, and six-year S&P 500 cap segments.
- Several buffer choices and a fixed account appear beside the indexed menu.
- The national accumulation contract is cross-linked as a distinct contract version rather than blended into this page.
What to confirm
- Indexed segments can lose value when index losses exceed the selected buffer.
- The strategy fee is not published for the current rows, so the page does not infer a fee amount or calculate outcomes.
- Triple Edge Advantage rows publish a term and buffer but no linked index or Edge and Edge+ rates in the current feed, so no outcome is inferred for them.
- This contract is available only in New York and has no current lifetime-income rider.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 18, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantTransamerica Financial Life Insurance Company
SEC CIK0001571931
File numbers333-281598
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
1 published jurisdiction. Available only in New York.