Advisor's Edge Variable Annuity Issued by Transamerica Premier Life Insurance Company Variable Annuity Expense Comparison
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1 Advisor's Edge Variable Annuity Issued by Transamerica Premier Life Insurance Company Variable Annuity Expense Comparison Please consider variable annuity investment objectives, risks, charges and expenses carefully before investing. The contract and underlying fund prospectus contain this and other information about the Advisor's Edge Variable Annuity. Please call Aria Retirement Solutions at , to obtain a prospectus. Please read it carefully before investing. Variable annuities are long term financial vehicles designed for retirement purposes and contain underlying investment portfolios that are subject to market fluctuation, investment risk and possible loss of principal. They offer three main features: tax-deferred treatment of earnings, a death benefit prior to annuitization and guaranteed lifetime payment options. All guarantees are subject to the claims paying ability of the insurer. Please be aware that any part of any cost savings may result from loss of benefits or features not provided by the new contract. Expenses are but one factor to consider when comparing variable annuities. This comparison is not a substitute for careful consideration by you of the features, costs and benefits of each variable annuity. The comparison is based on data provided by Beacon Research Publications, Inc., an independent third-party data provider. Data is deemed reliable, but its accuracy and completeness is not guaranteed. While this comparison includes most of the features for the annuities shown during their accumulation phase, it does not compare annuitization features as this information is not available from Beacon Research Publications, Inc. Some variable annuities impose surrender charges if distributions are taken within a specified period of time. Before exchanging an annuity for another, you should consider the amount of any surrender charge you may incur, your investment time horizon and other factors appropriate to your situation. Transamerica Premier Life Insurance Company does not provide tax or legal advice, and it is important to consult with a tax advisor before investing. Annuity withdrawals are subject to ordinary income tax and if taken prior to age 59 1/2, a 10% federal tax penalty may apply. The Advisor's Edge daily Mortality and Expense Risk fee and Administrative Charge is equal to 0.55% % annually (depending on the death benefit option chosen and are applicable during the accumulation phase). Mortality and Expense Risk fees and Administrative Charge drop to 0.55% during the annuitization phase. There is a $30 annual service fee (waived if premium less withdrawals or policy value equals or exceeds $50,000). Transamerica Premier Life Insurance Company, 4333 Edgewood Road NE, Cedar Rapids, IA provides the Advisor's Edge Variable Annuity (Policy Form No. AV ) (May vary by state; not available in all states); Florida Policy Form No. AV ; Oregon Policy Form No. AV The Advisor's Edge Variable Annuity is underwritten and distributed by Transamerica Capital, Inc. Prepared as of: 10/20/ :49 This comparison is not complete unless all pages are included. Page 1 of 5 Adsoft 0816
2 Annuity Information Advisor's Edge Annuity ACME VA Plus Company Transamerica Premier Life ACME Life Approximate Purchase Date 10/20/2016 3/15/2004 Approximate Current Annuity Value $211,006 $211,006 Premium Payments* $75,000 $75,000 Penalty Free Percentage 100% 10% Penalty Free Amount as Percent of: Policy Value Policy Value *Some surrender charges are calculated based on premium payments. Surrender Charges As a Percentage of None Current Value Estimated Surrender Cost None $0 Surrender Charge None 0% Surrender Schedule None See Below Anniversary Year Percent Percent Less Than 1 Year 0.00% 8.00% % 8.00% % 8.00% % 8.00% % 7.00% % 6.00% % 5.00% % 3.00% % 1.00% % 0.00% % 0.00% Insurance Expenses Base Mortality and Expenses 0.40% 1.400% Administrative Charges 0.15% 0.15% Optional Death Benefit 0.05% 0.00% Optional Living Benefit 0.00% 0.00% Total Insurance Expenses 0.60% 1.550% Annual Contract Maintenance $0 $0 $0 $0 Advisor's Edge Annuity Annual Contract Maintenance and Insurance Expense Savings** $2,005 **Prior to Annuitization. This comparison is not complete unless all pages are included. Page 2 of 5
3 Portfolio Allocation and Expenses Approximate Current Annuity Value $211,006 % of Current Weighted ACME VA Plus Portfolio Value Portfolio Expense Allocation Expense Trowe Price Capital Appreciation $54, % 26% 0.23% PIMCO Total Return Bond $35, % 17% 0.14% BlackRock Inflation Protection $21, % 10% 0.08% BlackRock Global Allocation VI $21, % 10% 0.11% Trowe Equity Income $26, % 13% 0.12% ING Growth & Income Portfolio $23, % 11% 0.11% ING MidCap Opp $23, % 11% 0.12% Average Portfolio Expense 0.93% % of Current Weighted Advisor's Edge* Portfolio Value Portfolio Expense Allocation Expense DFA VA U.S. Targeted Value Portfolio $31, % 15% 0.06% DFA VA U.S. Large Value Portfolio $31, % 15% 0.05% DFA VA International Value Portfolio $31, % 15% 0.08% DFA VA International Small Portfolio $31, % 15% 0.09% Vanguard Short Term Investment Grade Portfolio $42, % 20% 0.04% Vanguard Total Bond Portfolio $42, % 20% 0.04% Average Portfolio Expense 0.36% Advisor's Edge Annuity Annual Portfolio Expense Savings $1,203 A comparison of the current portfolio allocation and other portfolios available with similar investment objectives, to those being recommended, must be done prior to switching. *Portfolios available with the Advisor's Edge variable annuity were selected by the advisor and are based on the client's current financial objectives, risk tolerance, time horizon and any other applicable information necessary for a purchase recommendation. Changing the allocation may result in higher or lower Average Portfolio Expense. This comparison is not complete unless all pages are included. Page 3 of 5
4 Annual Contract Maintenance and Insurance Expense Savings** The Annual Maintenance and Insurance Expense Savings Year Value ($) is estimated using the current annuity value, total 1 $2,005 annual contract maintenance and total insurance 3 $6,014 expenses (excluding any applicable surrender charges). 5 $10,023 This calculation assumes no growth in the annuity value 10 $20,046 and the annual contract maintenance charges, if any, 15 $30,068 if any, apply regardless of the annuity value. 25 $50,114 Annual Portfolio Expense Savings The Annual Portfolio Expense Savings Year Value ($) is estimated using the current annuity 1 $1,203 value and average annual portfolio expenses 3 $3,608 (excluding any applicable surrender 5 $6,013 charges). This calculation assumes no 10 $12,026 growth in the annuity value and the annual 15 $18,039 contract maintenance charges, if any, apply 25 $30,065 regardless of the annuity value. Combined Savings The Annual Combined Savings Year Value ($) is estimated using the current annuity 1 $3,207 value and average annual portfolio expenses 3 $9,621 (excluding any applicable surrender 5 $16,036 charges). This calculation assumes no 10 $32,072 growth in the annuity value and the annual 15 $48,107 contract maintenance charges, if any, apply 25 $80,179 regardless of the annuity value. **Prior to Annuitization This comparison is not complete unless all pages are included. Page 4 of 5
5 Advisor's Edge Annuity Investment Options Number of Sub-Accounts Fixed Account Availability * * Death Benefit Features Contract Value * * Return of Premium * * Step-Up * * High Anniversary - - Living Benefits and Other Features Guaranteed Income Benefit - - Guaranteed Withdrawal Benefit - - Enhancement Bonus - - Account Management Unlimited Transfers - - Penalty Free Withdrawals * * Systematic Withdrawals * * Dollar-Cost Averaging * * Subsequent Deposits * * Asset Rebalancing * * ACME VA Plus * Indicates this feature is available. - Indicates this feature is not available. Transamerica Premier Life Insurance Company has consistently received strong ratings for financial strength and operating performance. For current Company Ratings, please visit This comparison is not complete unless all pages are included. Page 5 of 5
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