EXHIBIT (8)(c)(3)

          FORM OF ADDENDUM TO PARTICIPATION AGREEMENT (TRANSAMERICA)


                          Addendum to January 1, 2000
      Transamerica Variable Insurance Fund, Inc. Participation Agreement
                    for Transamerica Life Insurance Company



     WHEREAS there exists a January 1, 2000 Participation Agreement
("Agreement") between Transamerica Variable Insurance Fund, Inc. ("TVIF"),
Transamerica Investment Management, LLC ("TIM") and Transamerica Occidental Life
Insurance Company ("TOLIC");

     WHEREAS Transamerica Life Insurance Company ("TLIC") would like to contract
with TVIF and TIM under the same terms and conditions as that Agreement;

     NOW THEREFORE, effective May 1, 2001, TVIF, TIM and TLIC agree as follows:

          1.  TVIF, TIM and TLIC agree to be bound by the terms and conditions
              of the Agreement in the roles of Fund, Adviser and Insurance
              Company, respectively, except as noted below.

          2.  The parties agree that this is a new and separate agreement from
              that with TOLIC that its terms shall apply separately, and that
              TLIC shall be liable only for its obligation under this agreement
              and shall not be liable for the obligations or actions of TOLIC or
              any other Insurance Company that may enter a participation
              agreement with TVIF and TIM.

          3.  The following provisions of the TOLIC Agreement are amended as
              follows:

                 a.  TLIC ("Insurance Company") is an Iowa Life Insurance
                     Company.

                 b.  Notices to Insurance Company shall be to:
                     Transamerica Life Insurance Company
                     4333 Edgewood Road N.E.
                     Cedar Rapids, IA  52499-0001
                     Attn: Financial Markets Division, Division General Counsel

               c.  Schedule A shall be as attached.


Agreed to:

TRANSAMERICA LIFE INSURANCE COMPANY:
By its authorized officer

By:    _____________________________
Title: _____________________________


TRANSAMERICA VARIABLE INSURANCE FUND, INC.:
By its authorized officer,

By:    _____________________________
Title: _____________________________


TRANSAMERICA INVESTMENT MANAGEMENT, LLC
By its authorized officer,

By:    _____________________________
Title: _____________________________





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                                                           Effective May 1, 2001


                                  SCHEDULE A
                                  ----------
                  To January 1, 2000 Participation Agreement
              Between Transamerica Variable Insurance Fund, Inc.,
                 Transamerica Investment Management, LLC, and
                      Transamerica Life Insurance Company

Accounts and Designated Portfolios
----------------------------------

Separate Account VA B - Growth Portfolio and Small Company Portfolio

Separate Account VA C - Growth Portfolio and Small Company Portfolio

Separate Account VA D - Growth Portfolio and Small Company Portfolio

Retirement Income Builder Variable Annuity Account - Growth Portfolio

Legacy Builder Variable Life Separate Account - Growth Portfolio






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