TFLIC Freedom Elite Builder MPRTFLIC004-03/19 (for policies applied for before November 10, 2008 and issued before January 1, 2009)

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1 TFLIC Freedom Elite Builder MPRTFLIC004-0/9 (for policies applied for before November 0, 2008 and issued before January, 2009) This variable universal life insurance product is no longer available for new sales and no new policies will be issued. The return for each underlying investment option reflects deductions for the policy's mortality and expense risk charge (currently, 0.90% M&E Risk Charge) and investment management fees and fund operating expenses. Policy values depend not only on the investment performance of the underlying investment options, but also on the cost of insurance, premium expense charge, surrender charge and monthly deductions which are not reflected in these returns. Had these costs been reflected, each of the performance returns would be significantly lower. Refer to the hypothetical illustration contained in the prospectus to understand the effects of all fees and charges that apply to a policy. Additionally, you may wish to obtain a personalized illustration which reflects all the charges that apply to a policy. performance is not annualized. Underlying portfolios may have existed prior to the inception of the investment option; therefore, hypothetical performance is calculated as if it was available on the portfolio inception date. Past performance is no guarantee of future performance. Total return and principal value of an investment option will fluctuate so that a Policyowner s units, when redeemed, may be worth more or less than their original cost. Variable life insurance products are subject to investment management fees, charges, other expenses and investment risk, including possible loss of principal amount invested. Read the prospectus and consider this information carefully before investing. All product guarantees are subject to the claims paying ability of the issuing insurance company. 0 Cumulative Total Return 0 AB Balanced Wealth Strategy - Class B # 07/0/2004 0/0/ Access VP High Yield Fund 0/02/200 02/28/ Fidelity VIP Contrafund - Service Class 2 #, 0/0/99 08// Fidelity VIP Equity-Income - Service Class 2 #, 0/09/986 08// ,09.0 Fidelity VIP Growth Opportunities - Service Class 2 #, 0/0/99 08// Fidelity VIP Index 00 - Service Class 2 # 08/27/992 04/0/ Franklin Founding Funds Allocation VIP Fund - Class 4 Shares # 07/02/2007 0/0/ Asia 0 0/0/ /28/ Basic Materials 0/0/ /28/ Bull 0/0/200 06/2/

2 0 0 Consumer Services 0/0/ /28/ Emerging Markets 08// /28/ Europe 0 0/8/999 02/28/ Falling U.S. Dollar 08// /28/ Financials 0/22/200 02/28/ International 08// /28/ Japan 0/0/ /28/ Mid-Cap 08// /28/ NASDAQ-00 0/22/200 06/2/ Oil & Gas 0/22/200 02/28/ Pharmaceuticals 0/0/ /28/ Precious Metals 0/0/ /28/ Short Emerging Markets 08// /28/ Short International 08// /28/ Short NASDAQ-00 0/0/ /28/ Short Small-Cap 09/0/ /2/ Small-Cap 0/0/200 06/2/ Small-Cap Value 0/0/ /28/ Telecommunications 0/22/200 02/28/ U.S. Government Plus 0/0/ /28/ UltraNASDAQ-00 0/8/999 0/0/ , UltraSmall-Cap 0/8/999 02/28/ Utilities 0/22/200 02/28/ Transamerica Aegon High Yield Bond VP - Initial Class 06/0/998 0/0/ Transamerica Aegon U.S. Government Securities VP - Initial Class 0//994 0/0/ Transamerica Barrow Hanley Dividend Focused VP - Initial Class 0/0/996 06/2/ Global Allocation VP - Initial Class 0/0/20 0/20/ N/A N/A Global Real Estate Securities VP - IC 0/0/998 06/2/ Smart Beta 40 VP - Initial Class 0/0/2002 0/0/

3 0 0 Tactical Allocation VP - Initial Class 0/0/20 0/20/ N/A N/A 4.40 Transamerica Greystone International Growth VP - Initial Class ± 0/02/997 06/2/ Transamerica Janus Balanced VP - Initial Class 07/0/ /0/ N/A N/A 67.4 Transamerica Janus Mid-Cap Growth VP - Initial Class 0/0/99 06/2/ Transamerica Jennison Growth VP - Initial Class /8/996 0/0/ Asset Allocation - Conservative VP - Initial Class 0/0/2002 0/0/ Asset Allocation - Growth VP - Initial Class Ø 0/0/2002 0/0/ Asset Allocation - Moderate Growth VP - Initial Class Ŧ 0/0/2002 0/0/ Asset Allocation - Moderate VP - Initial Class Ω 0/0/2002 0/0/ Core Bond VP - Initial Class 0/02/986 06/2/ Enhanced Index VP - Initial Class 0/02/997 0/0/ International Moderate Growth VP - Initial Class Δ 0/0/2006 0/0/ Mid Cap Value VP - Initial Class 0/0/999 06/2/ Tactical Allocation VP - Initial Class 0/0/994 06/2/ Transamerica Managed Risk - Balanced ETF VP - Initial Class 0/0/2008 0/0/ Transamerica Managed Risk - Growth ETF VP - Initial Class 0/0/2008 0/0/ Transamerica Morgan Stanley Capital Growth VP - Initial Class 0/0/999 06/2/ Transamerica Multi-Managed Balanced VP - Initial Class 0/0/2002 0/0/ Tactical - Balanced VP - Initial Class 0/0/2009 0/0/ N/A N/A 8.7 Tactical - Conservative VP - Initial Class 0/0/2009 0/0/ N/A N/A. Tactical - Growth VP - Initial Class 0/0/2009 0/0/ N/A N/A 6.86 Total Return VP - Initial Class 0/0/2002 0/0/ Conservative VP - Initial Class 0/0/20 0/02/ N/A N/A 2.04

4 0 0 Moderate Growth VP - Initial Class 0/0/20 0/02/ N/A N/A 2.7 Moderate VP - Initial Class 0/0/20 0/02/ N/A N/A Transamerica Small/Mid Cap Value VP - Initial Class 0/04/99 0/0/ ,47.00 Transamerica T.Rowe Price Small Cap VP - Initial Class 0/0/999 06/2/ Transamerica Torray Concentrated Growth VP - Initial Class 04/08/99 0/0/ Transamerica WMC US Growth VP - Initial Class 2//980 0/0/ , Day Current Yield 7-Day Effective Yield Monthly Quarterly Monthly Quarterly Government Money Market, Φ Government Money Market VP - IC Ψ, π

5 # - Returns for the period prior to the inception of this class of share with 2b- fee are based on historical returns for a class of shares without a 2b- fee, adjusted as if the 2b- fee had been in effect since the inception date. - Effective on or about May, 200, this portfolio is no longer available for sale to new investors. - It is the general policy of ProFunds to permit frequent purchases and redemptions of and Access VP High Yield Fund shares. Active trading in these shares could increase portfolio turnover. In addition, large movements of assets into and out of the portfolios may negatively impact each portfolio's ability to achieve its investment objective or maintain a consistent level of operating expenses. In certain circumstances, a or the Access VP High Yield Fund's expense ratio may vary from current estimates or the historical ratio disclosed. For information regarding the principal risks for each and the Access VP High Yield fund please refer to the prospectus. HIGH ABSOLUTE SHORT-TERM PERFORMANCE IS NOT TYPICAL AND MAY NOT BE ACHIEVED IN THE FUTURE. SUCH RESULTS SHOULD NOT BE THE SOLE BASIS FOR EVALUATING MATERIAL FACTS IN MAKING AN INVESTMENT DECISION. Φ - The seven-day yield refers to the annualized income generated by an investment in the subaccount over a specified seven-day period. For the effective yield, the income earned by an investment in the subaccount is assumed to be reinvested. The yield calculation does not reflect the deduction of surrender charges. An investment in the subaccount is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $.00 per share, it is possible to lose money by investing in the subaccount. See the Prospectus and Statement of Additional Information for further details regarding calculations of yields. π - A government money market fund invests at least 99.% of its total assets in U.S. government securities, cash, and/or repurchase agreements that are fully collateralized by U.S. government securities or cash. You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $.00 per share, it cannot guarantee it will do so. The Fund may impose a fee upon sale of your shares or may temporarily suspend your ability to sell shares if the Fund's liquidity falls below required minimums because of market conditions or other factors. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. - Effective February, 208 Transamerica Asset Allocation - Conservative VP was renamed Asset Allocation - Conservative VP. Ø - Effective February, 208 Transamerica Asset Allocation - Growth VP was renamed Asset Allocation - Growth VP. Ŧ - Effective February, 208 Transamerica Asset Allocation - Moderate Growth VP was renamed Asset Allocation - Moderate Growth VP. Δ - Effective February, 208 Transamerica International Moderate Growth VP was renamed International Moderate Growth VP. Ω - Effective February, 208 Transamerica Asset Allocation - Moderate VP was renamed Asset Allocation - Moderate VP. ± - Effective May, 208 Transamerica MFS International Equity VP was renamed Transamerica Greystone International Growth VP. - Effective November 0, 208 Transamerica AB Dynamic Allocation VP was renamed Smart Beta 40 VP. - Effective November 0, 208 Transamerica Clarion Global Real Estate Securities VP was renamed Global Real Estate Securities VP. Ψ - Effective November 0, 208 Transamerica Aegon Government Money Market VP was renamed Government Money Market VP. Variable Universal Life Insurance Issued By: Transamerica Financial Life Insurance Company Home Office: Harrison, NY Administrative Office: PO Box 068 Clearwater, FL 78 Distributor: Transamerica Capital, Inc. Member FINRA

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