Positioning
Mid-market FIA with competitive caps and multiple index strategy choices. Transamerica is a long-standing carrier with broad annuity experience.
Contract terms at a glance
Crediting methods available
- Annual point-to-point
- Multi-year point-to-point
- Volatility-controlled index strategies
See How fixed indexed annuities work for how each method works.
Riders
- Optional income rider
- Standard death benefit
Best fit
- Consumers seeking a Transamerica-issued FIA
- Allocations combining S&P 500 strategies with volatility-controlled index strategies
What to watch for
- Multi-year point-to-point strategies lock in for multiple years before crediting
- Volatility-controlled indexes may produce smoother but lower realized returns than S&P 500
Cap rates, participation rates, rider charges, and surrender schedules change frequently. Before purchase, request and verify the following from the carrier or producer:
- Caps and participation rates by strategy and term
- Optional rider charge and benefit base growth rate
- Surrender schedule and MVA terms
How to verify and source current information
- Current rate card and product brochure: Transamerica direct or through a licensed independent producer.
- Statement of understanding (annuity contract disclosure document).
- For variable and indexed variable annuities: the SEC-registered prospectus (search EDGAR).
- Carrier financial strength ratings: A.M. Best, S&P Global Ratings, Moody's, Fitch.
- NAIC carrier search and statutory filings: content.naic.org.
- IRS Publication 575 (Pension and Annuity Income) for taxation: IRS Pub 575.
AnnuityMatchPro does not endorse, recommend, or sell the Transamerica Secure Retirement Index. This review is informational. Product features, surrender schedules, caps, participation rates, and rider charges vary by issue date, state, and underwriting. Confirm specific terms with the carrier or a licensed advisor before purchase. AnnuityMatchPro is not a registered investment adviser and is not a licensed insurance agency.