Registered index-linked annuity · SEC-registered · defined downside design
Transamerica Structured Index Advantage® Income Annuity
Issued by Transamerica 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: 2%Minimum participation: 100%Minimum buffer: 10% | 11% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearPoint-to-point | 25% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 10% | 22% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 15%30% cap1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 5%Minimum participation: 100%Minimum buffer: 15% | — |
| 6-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%60% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 10%75% cap1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 12%Minimum participation: 100%Minimum buffer: 10% | 100% participation1.25% strategy fee Segment details1.25% strategy feeMinimum participation: 50%Minimum buffer: 15% | 60% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 20% |
| Fidelity World Factor Leaders Index 0.5% AR | |||
| 1-yearPoint-to-point | 11.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 9.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearPoint-to-point | 35% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 10% | 25% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 15%35% cap1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 5%Minimum participation: 100%Minimum buffer: 15% | — |
| 6-yearPoint-to-point | 90% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%65% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 10%70% cap1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 12%Minimum participation: 100%Minimum buffer: 10% | 110% participation1.25% strategy fee Segment details1.25% strategy feeMinimum participation: 50%Minimum buffer: 15% | 75% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 20% |
| iShares Russell 2000 ETF | |||
| 1-yearPoint-to-point | 19.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 15.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearPoint-to-point | 40% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 10% | 32% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 15%50% cap1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 5%Minimum participation: 100%Minimum buffer: 15% | — |
| 6-yearPoint-to-point | 100% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10% | 100% participation1.25% strategy fee Segment details1.25% strategy feeMinimum participation: 50%Minimum buffer: 15% | 75% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 20% |
| iShares U.S. Technology ETF | |||
| 1-yearPoint-to-point | 17% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 13.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearPoint-to-point | 30% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 10% | 25% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 15%38% cap1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 5%Minimum participation: 100%Minimum buffer: 15% | — |
| 6-yearPoint-to-point | 90% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10% | 100% participation1.25% strategy fee Segment details1.25% strategy feeMinimum participation: 50%Minimum buffer: 15% | 65% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 20% |
| First Trust Equity Edge | |||
| 1-yearPoint-to-point | 15.5% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 10% | 12% cap Segment detailsMinimum cap: 2%Minimum participation: 100%Minimum buffer: 15% | — |
| 2-yearPoint-to-point | 45% cap Segment detailsMinimum cap: 4%Minimum participation: 100%Minimum buffer: 10% | 30% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 15%45% cap1.25% strategy fee Segment details1.25% strategy feeMinimum cap: 5%Minimum participation: 100%Minimum buffer: 15% | — |
| 6-yearPoint-to-point | 125% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10% | 125% participation1.25% strategy fee Segment details1.25% strategy feeMinimum participation: 50%Minimum buffer: 15% | 115% cap Segment detailsMinimum cap: 8%Minimum participation: 100%Minimum buffer: 20% |
| Fixed account | |||
| 1-year · Declared rate | 3% fixedSegment detailsMinimum fixed-account rate: 0.25% | ||
| 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 | ||
| 1-year · 10% buffer | Upside rates not published | ||
| 2-year · 10% buffer | Upside rates not published | ||
| 6-year · 10% buffer | 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 | ||
| 1-year · 10% buffer | Upside rates not published | ||
| 2-year · 10% buffer | Upside rates not published | ||
| 6-year · 10% buffer | 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 44 of 44 indexed segments.
15 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.
What one segment pays at an index outcome
Contract arithmetic on today’s published terms, net of the published strategy fee; not a forecast.
Only segments with a published strategy fee are selectable. Fee-null segments remain in the complete matrix, but their outcomes are suppressed because no zero fee is assumed.
Downside-aware simulator
Test an index segment outcome
The segment can lose value. This educational one-segment scenario is not a carrier illustration.
Strategy fee 1.25%/yr applied.
Starting value
$100,000
Segment return
-12.24%
Ending value
$87,764
Outcomes are net of the published strategy fee. Point-to-point uses the stated buffer; Dual Direction credits a loss inside the buffer as a gain; Dual Trigger pays its flat rate when the index is at or above the negative buffer; Performance Trigger pays its flat rate when the index is at or above zero. The annual fee is compounded across the listed segment term.
The strategy fee, priced honestly
For segments that publish it, 1.25% a year applies whether the index rises, falls, or finishes flat. Fee-null rows are not treated as free.
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.
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 menu spans annual and multi-year indexed terms across five published index choices.
- Income Advantage is published without a separate rider charge, while the optional Step-Up version publishes two fee rows whose distinguishing qualifier is not supplied.
- Single-life and joint-life lifetime-withdrawal choices are published, but current payout rates are not.
What to confirm
- Indexed segments can lose value when index losses exceed the selected buffer.
- The live data does not publish a withdrawal rate, deferral roll-up, or enough detail to select one Step-Up fee row, so the page does not project income.
- Fee-bearing segments and segments whose fee is not published are not interchangeable; outcome math appears only where the applicable segment fee and payoff are published.
- 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.
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 Life Insurance Company
SEC CIK0001164098
File numbers333-291187
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
50 published jurisdictions. Not available in New York or Oregon.