Entity Investment Company Type

Document Type

N-4

Entity Registrant Name

SEPARATE ACCOUNT VA B

Entity Central Index Key

0000859607

N-4

Document Period End Date

Apr. 26, 2024

Amendment Flag

false

TA Advisory Annuity

Fees and Expenses [Text Block]

FEES AND EXPENSES

Location in

Prospectus

Charges for Early

Withdrawal

There are no surrender charges.

Annuity Policy Fee

Tables and Expense

Examples

Transaction Charges

You may be assessed a special service fee.

Special Service Fee. We reserve the right to deduct a charge for special

services, including overnight delivery, duplicate policies, handling

insufficient checks on new business, duplicate Form 1099 and Form 5498

tax forms, check copies, printing and mailing previously submitted form,

and asset verification requests from mortgage companies.

Annuity Policy Fee

Tables and Expense

Examples

Expenses –

Transaction Expenses

Ongoing Fees and Expenses (annual charges)	The table below describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Policy specifications page for information about the specific fees You will pay each year based on the options You have elected.			Annuity Policy Fee Tables and Expense Examples Base Contract Expenses Appendix – Portfolio Companies Available Under the Policy
	Annual Fee	Minimum	Maximum
	Base Policy1	0.30%	2.30%
	Portfolio Company (fund fees and expenses)2	0.11%	0.49%
	Optional Benefit Expenses (if elected)1	0.20%
	1 As a percentage of average Policy Value.
	2 As a percentage of Portfolio Company assets.
	Because Your Policy is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Policy, the following table shows the lowest and highest cost You could pay each year based on current charges. This estimate assumes that You do not take withdrawals from the Policy.
	Lowest Annual Cost $422	Highest Annual Cost $1,012
	Assumes:	Assumes:
	•Investment of $100,000 •5% annual appreciation •Least expensive Portfolio Company fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers, or withdrawals	•Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Portfolio Company fees and expenses •No sales charges •No additional purchase payments, transfers, or withdrawals

Charges for Early Withdrawals [Text Block]

Charges for Early

Withdrawal

There are no surrender charges.

Annuity Policy Fee

Tables and Expense

Examples

Transaction Charges [Text Block]

Transaction Charges

You may be assessed a special service fee.

Special Service Fee. We reserve the right to deduct a charge for special

services, including overnight delivery, duplicate policies, handling

insufficient checks on new business, duplicate Form 1099 and Form 5498

tax forms, check copies, printing and mailing previously submitted form,

and asset verification requests from mortgage companies.

Annuity Policy Fee

Tables and Expense

Examples

Expenses –

Transaction Expenses

Ongoing Fees and Expenses [Table Text Block]

Ongoing Fees and Expenses (annual charges)	The table below describes the fees and expenses that You may pay each year, depending on the options You choose. Please refer to Your Policy specifications page for information about the specific fees You will pay each year based on the options You have elected.			Annuity Policy Fee Tables and Expense Examples Base Contract Expenses Appendix – Portfolio Companies Available Under the Policy
	Annual Fee	Minimum	Maximum
	Base Policy1	0.30%	2.30%
	Portfolio Company (fund fees and expenses)2	0.11%	0.49%
	Optional Benefit Expenses (if elected)1	0.20%
	1 As a percentage of average Policy Value.
	2 As a percentage of Portfolio Company assets.
	Because Your Policy is customizable, the choices You make affect how much You will pay. To help You understand the cost of owning Your Policy, the following table shows the lowest and highest cost You could pay each year based on current charges. This estimate assumes that You do not take withdrawals from the Policy.
	Lowest Annual Cost $422	Highest Annual Cost $1,012
	Assumes:	Assumes:
	•Investment of $100,000 •5% annual appreciation •Least expensive Portfolio Company fees and expenses •No optional benefits •No sales charges •No additional purchase payments, transfers, or withdrawals	•Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Portfolio Company fees and expenses •No sales charges •No additional purchase payments, transfers, or withdrawals

Base Contract (of Other Amount) (N-4) Minimum [Percent]

0.30%

Base Contract (of Other Amount) (N-4) Maximum [Percent]

2.30%

Base Contract (N-4) Footnotes [Text Block]

1 As a percentage of average Policy Value.

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.11%

Investment Options (of Average Annual Net Assets) Maximum [Percent]

0.49%

Investment Options Footnotes [Text Block]

2 As a percentage of Portfolio Company assets.

Optional Benefits Maximum [Percent]

0.20%

Lowest Annual Cost [Dollars]

$ 422

Highest Annual Cost [Dollars]

$ 1,012

Risks [Table Text Block]

	RISKS			Location in Prospectus
Risk of Loss	You can lose money by investing in this Policy.			Principal Risks of Investing in the Policy

Not a Short-Term Investment	This Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral and living benefit protection also means the Policy is more beneficial to investors with a long time horizon.	Principal Risks of Investing in the Policy Tax Information
Risks Associated with Investment Options	•An investment in this Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Policy. •Each Investment Option, has its own unique risks. •You should review the prospectuses for the available Portfolio Companies before making an investment decision.	Principal Risks of Investing in the Policy Appendix: Portfolio Companies Available Under the Policy
Insurance Company Risks	Any obligations, guarantees, and benefits under the Policy are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to You. More information about Transamerica Life Insurance Company or Transamerica Financial Life Insurance Company, including our financial strength ratings, is available by visiting transamerica.com or by calling toll-free (800)525-6205.	Principal Risks of Investing in the Policy Information About Us Financial Condition

Investment Restrictions [Text Block]

•We reserve the right to limit transfers in circumstances of large or frequent transfers.•We reserve the right to remove or substitute the Portfolio Companies that are available as Investment Options under the Policy.

Optional Benefit Restrictions [Text Block]

•Withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn, which could significantly reduce the value or even terminate the benefit.•We may stop offering an optional benefit at any time for new sales, which includes sales to the Owners who may want to purchase the benefit after they purchase the Policy.

Tax Implications [Text Block]

•Consult with a tax professional to determine the tax implications of an investment in and payments received under the Policy.•If You purchase the Policy as an individual retirement account or through a tax qualified plan, You do not get any additional tax benefit.•You will generally not be taxed on increases in the value of Your Policy until they are withdrawn. Earnings on Your Policy are taxed at ordinary income tax rates when withdrawn, and You may have to pay a penalty if You take a withdrawal before age 59 ½.

Investment Professional Compensation [Text Block]

Your investment professional may receive compensation for selling this Policy to You, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. Our affiliate, Transamerica Capital, Inc. (“TCI”) is the principal underwriter and may share the revenue we earn on this Policy with Your investment professional’s firm. In addition, we may pay all or a portion of the cost of affiliates’ operating and other expenses. This conflict of interest may influence Your investment professional to recommend this Policy over another investment for which the investment professional is not compensated or compensated less.

Exchanges [Text Block]

If You already own an insurance Policy, some investment professionals may have a financial incentive to offer You a new Policy in place of the one You own. You should only exchange a Policy You already own if You determine, after comparing the features, fees, and risks of both policies, that it is better for You to purchase the new Policy rather than continue to own Your existing Policy.

Item 4. Fee Table [Text Block]

ANNUITY POLICY FEE TABLE AND EXPENSE EXAMPLES The following table describes the fees and expenses that You will pay when buying, owning, and surrendering or making withdrawals from the Policy. Please refer to Your Policy specification page for information about the specific fees You will pay each year based on the options You have elected. The first table describes the fees and expenses that You will pay at the time that You buy the Policy, surrender or make withdrawals from the Policy, or transfer Cash Value between Investment Options. State premium taxes may also be deducted. Transaction Expenses:

Sales Load Imposed On Purchase Payments	0%
Contingent Deferred Surrender Charges (as a percentage of premium surrendered or withdrawn)(1)	0%
Special Service Fee(2)	$50

The next table describes the fees and expenses that You will pay each year during the time that You own the Policy, not including underlying fund portfolio fees and expenses. Annual Contract Expenses:

Annual Service Charge(3)	$25
Base Contract Expenses(as a percentage, annually, of average Policy Value)(4):	0.30%
Optional Benefit Expenses:
Return of Premium Death Benefit (as a percentage, annually, of average Policy Value)(4)	0.20%

Notes to Fee Table Transaction Expenses: 1) Maximum Surrender Charge: This product does not have a surrender charge. 2) Special Service Fee: We currently deduct a charge for overnight delivery and duplicate policies. We reserve the right to deduct a charge for special services in the future, including non-sufficient checks on new business; duplicate Form 1099 and Form 5498 tax forms; duplicate disclosure documents and semi-annual reports; check copies; printing and mailing previously submitted forms; and asset verification requests from mortgage companies. We may charge a fee for each service performed and fees may vary based on the type of service but will not exceed the maximum Special Service Fee shown above. 3) Annual Service Charge: The annual service charge of $25 is assessed on each Policy anniversary and at the time of surrender. The charge is waived if Your Policy Value or the sum of Your premiums less all withdrawals, is at least $25,000. The annual service charge is the lesser of $25 per Policy Year or 2% of the Policy Value. Annual Contract Expenses: 4) Base Contract Expenses: Base contract expenses consist of the Mortality & Expense Risk Fee and the Administrative Fee Mortality and Expense Risk and Administrative Fee: The mortality and expense risk and administrative fee shown is for both the accumulation phase and income phase, and is for the Policy Value death benefit. The mortality and expense risk charge will not be greater than 0.20% (as shown in the table); however, the fee may be assessed at a lower rate for certain periods. Currently the daily mortality and expense risk charge will be assessed at a rate corresponding to an annual charge of 0.17% Optional Benefit Separate Account Expenses: Any optional benefit Separate Account expense is in addition to the mortality and expense risk and administrative fees. Annual Portfolio Company Expenses: The fee table information relating to the underlying fund portfolios was provided to us by the underlying fund portfolios, their investment advisers or managers. We have not verified the accuracy of information provided by unaffiliated fund portfolios. Actual future expenses of the portfolios may be greater or less than those shown in the Table. “Gross” expense figures do not reflect any fee waivers or expense reimbursements. Actual expenses may have been lower than those shown in the Table. The next table shows the minimum and maximum total operating expenses charged by the Portfolio Companies that You may pay periodically during the time You own the Policy. A complete list of the Portfolios available under the Policy, including their annual expenses may be found under Appendix: Portfolio Companies Available Under the Policy.

Annual Portfolio Company Expenses	Minimum	Maximum
Expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service 12b-1 fees, and other expenses	0.11%	0.49%
Expenses that are deducted from Portfolio Company assets, including management fees, 12b-1 fees, and other expenses, after any waivers or expense reimbursements	0.11%	0.31%

Expense Example(1): The following Example is intended to help You compare the cost of investing in the Policy with the cost of investing in other variable annuity policies. These costs include transaction expenses, annual Policy expenses, and annual Portfolio Company operating expenses. The Example assumes that You invest $100,000 in the Policy for the time periods indicated. The Example also assumes that Your Policy has a 5% return each year and assumes the most expensive combination of annual Portfolio Company expenses and optional benefits available for an additional charge. This includes the maximum Portfolio Company expenses and Return of Premium death benefit. Although Your actual costs may be higher or lower, based on these assumptions, Your costs would be: If the Policy is surrendered or Annuitized at the end of the applicable time period or if You do not surrender Your Policy:

1 Year	$1,012
3 Years	$3,159
5 Years	$5,482
10 Years	$12,154

(1)Please remember that these Examples are illustrations and do not represent past or future expenses. Your actual expenses may be lower or higher than those reflected in the Examples. Similarly, Your rate of return may be more or less than the 5% assumed in the Examples. The Example does not reflect premium tax charges or special service fees. Different fees and expenses not reflected in the Example may be assessed during the income phase of the Policy.

Transaction Expenses [Table Text Block]

Transaction Expenses:

Sales Load Imposed On Purchase Payments	0%
Contingent Deferred Surrender Charges (as a percentage of premium surrendered or withdrawn)(1)	0%
Special Service Fee(2)	$50

Sales Load (of Purchase Payments), Current [Percent]

0.00%

Deferred Sales Load (of Purchase Payments), Current [Percent]

0.00%

Deferred Sales Load, Footnotes [Text Block]

1) Maximum Surrender Charge: This product does not have a surrender charge.

Other Transaction Fee, Current [Dollars]

$ 50

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

2) Special Service Fee: We currently deduct a charge for overnight delivery and duplicate policies. We reserve the right to deduct a charge for special services in the future, including non-sufficient checks on new business; duplicate Form 1099 and Form 5498 tax forms; duplicate disclosure documents and semi-annual reports; check copies; printing and mailing previously submitted forms; and asset verification requests from mortgage companies. We may charge a fee for each service performed and fees may vary based on the type of service but will not exceed the maximum Special Service Fee shown above.

Annual Contract Expenses [Table Text Block]

Annual Service Charge(3)	$25
Base Contract Expenses(as a percentage, annually, of average Policy Value)(4):	0.30%
Optional Benefit Expenses:
Return of Premium Death Benefit (as a percentage, annually, of average Policy Value)(4)	0.20%

Administrative Expense, Current [Dollars]

$ 25

Administrative Expense, Footnotes [Text Block]

3) Annual Service Charge: The annual service charge of $25 is assessed on each Policy anniversary and at the time of surrender. The charge is waived if Your Policy Value or the sum of Your premiums less all withdrawals, is at least $25,000. The annual service charge is the lesser of $25 per Policy Year or 2% of the Policy Value.

Base Contract Expense (of Average Account Value), Current [Percent]

0.30%

Base Contract Expense, Footnotes [Text Block]

) Base Contract Expenses:Base contract expenses consist of the Mortality & Expense Risk Fee and the Administrative Fee Mortality and Expense Risk and Administrative Fee: The mortality and expense risk and administrative fee shown is for both the accumulation phase and income phase, and is for the Policy Value death benefit. The mortality and expense risk charge will not be greater than 0.20% (as shown in the table); however, the fee may be assessed at a lower rate for certain periods. Currently the daily mortality and expense risk charge will be assessed at a rate corresponding to an annual charge of 0.17%

Optional Benefit Expense, Footnotes [Text Block]

Optional Benefit Separate Account Expenses: Any optional benefit Separate Account expense is in addition to the mortality and expense risk and administrative fees.

Annual Portfolio Company Expenses [Table Text Block]

Annual Portfolio Company Expenses	Minimum	Maximum
Expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service 12b-1 fees, and other expenses	0.11%	0.49%
Expenses that are deducted from Portfolio Company assets, including management fees, 12b-1 fees, and other expenses, after any waivers or expense reimbursements	0.11%	0.31%

Portfolio Company Expenses [Text Block]

Expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service 12b-1 fees, and other expenses

Portfolio Company Expenses Minimum [Percent]

0.11%

Portfolio Company Expenses Maximum [Percent]

0.49%

Surrender Example [Table Text Block]

1 Year	$1,012
3 Years	$3,159
5 Years	$5,482
10 Years	$12,154

Surrender Expense, 1 Year, Maximum [Dollars]

$ 1,012

Surrender Expense, 3 Years, Maximum [Dollars]

3,159

Surrender Expense, 5 Years, Maximum [Dollars]

5,482

Surrender Expense, 10 Years, Maximum [Dollars]

12,154

Annuitized Expense, 1 Year, Maximum [Dollars]

1,012

Annuitized Expense, 3 Years, Maximum [Dollars]

3,159

Annuitized Expense, 5 Years, Maximum [Dollars]

5,482

Annuitized Expense, 10 Years, Maximum [Dollars]

12,154

No Surrender Expense, 1 Year, Maximum [Dollars]

1,012

No Surrender Expense, 3 Years, Maximum [Dollars]

3,159

No Surrender Expense, 5 Years, Maximum [Dollars]

5,482

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 12,154

Item 5. Principal Risks [Table Text Block]

Principal Risks of Investing in the Policy There are risks associated with investing in the Policy. You can lose money in a variable annuity, including potential loss of Your original investment. The value of Your investment and any returns will depend primarily on the performance of the underlying fund portfolios You select. Each underlying fund portfolio may have its own unique risks. Variable annuities are not a short-term investment vehicle. The surrender charge applies for a number of years, so that the Policy should only be purchased for the long-term. Under some circumstances, You may receive less than the sum of Your premium payments. In addition, full or partial withdrawals will be subject to income tax and may be subject to a 10% Internal Revenue Service (“IRS”) penalty if taken before age 59½. Accordingly, You should carefully consider Your income and liquidity needs before purchasing a Policy. Additional information about these risks appears in the Tax Information section of this prospectus. Risks Of An Increase In Current Fees And Expenses. Certain fees and expenses are currently assessed at less than their guaranteed maximum levels. In the future, these charges may be increased up to the guaranteed (maximum) levels.Investment Risk. You bear the risk of any decline in the Policy Value caused by the performance of the underlying fund portfolios held by the Subaccounts. Those funds could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each underlying fund. This risk could have a significant negative impact on the value of certain optional benefits offered under the Policy. The investment risks are described in the prospectuses for the underlying funds. Investment Restrictions – Opportunity Risks. Generally, the living benefit riders offered under the Policy restrict Your choice of available underlying fund portfolios. These restrictions are intended to protect us financially, in that they reduce the likelihood that we will have to pay guaranteed benefits under the riders from our own assets. These restrictions could result in an opportunity cost – in the form of underlying fund portfolios that You did not invest in that ultimately generated superior investment performance. Thus, You should consider these underlying fund portfolio restrictions when deciding whether to elect an optional benefit that features such restrictions. Risk Associated With Election of Optional Benefits. Several of the optional benefits include a host of requirements that must be adhered to in order to preserve and maximize the guarantees we offer under the benefit. If You fail to adhere to these requirements, that may diminish the value of the benefit and even possibly cause termination of the benefit. In addition, it is possible that You will pay fees for the optional benefit without fully realizing the guarantees available under the optional benefit. For example, such would be the case if You were to hold a Guaranteed Lifetime Withdrawal Benefit for many years yet die sooner than anticipated, without having taken a significant number of lifetime withdrawals. Risks of Managing General Account Assets. The general account assets of the Company are used to support the payment of guaranteed benefits under the Policy. To the extent that the Company is required to pay amounts in addition to the Policy Value, such amounts will come from our general account assets. You should be aware that the general account assets are exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk, and are also subject to the claims of the Company’s general creditors. The Company’s financial statements contained in the Statement of Additional Information include a further discussion of risks inherent in the general account investments. Insurance Company Insolvency. It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we promise. Tax Consequences. Withdrawals are generally taxable to the extent of any earnings in the Policy, and prior to age 59½ a tax penalty may apply. In addition, even if the Policy is held for years before any withdrawal is made, withdrawals are taxable as ordinary income rather than capital gains. Cybersecurity and Certain Business Continuity Risks Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate reputation. In addition, we must commit significant resources to maintain and enhance its existing systems in order to keep pace with applicable regulatory requirements, industry standards and customer preferences. If we fail to maintain secure and well-functioning information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, we cannot assure investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse effect on our businesses, results of operations and financial condition. For additional detail regarding cybersecurity and related risks, please reference the Cyber Security section in the Statement of Additional Information. Business Continuity Our business operations may be adversely affected by volatile natural and man-made disasters, including (but not limited to) hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes (“Catastrophic Events”). Over the past several years, changing weather patterns and climatic conditions have added to the unpredictability and frequency of natural disasters in certain parts of the world. To date, the COVID-19 pandemic has caused significant uncertainty and disruption to governments, business operations, and consumer behavior on a global scale. Such uncertainty as to future trends and exposure may lead to financial losses to our businesses. Furthermore, Catastrophic Events may disrupt our operations and result in the loss of, or restricted access to, property and information about Transamerica and its clients. Such events may also impact the availability and capacity of our key personnel. If our business continuity plans do not include effective contingencies for Catastrophic Events, we may experience business disruption, damage to corporate reputation, and damage to financial condition for a prolonged period of time.

Item 10. Benefits Available (N-4) [Text Block]

Benefits Available Under the Policy The following table summarizes information about the benefits available under the Policy.

Name of Benefit	Purpose	Standard or Optional	Maximum Annual Fee	Brief Description of Restrictions/Limitations
Return of Premium Death Benefit	Pays minimum death benefit equal to total premium payments (minus adjusted withdrawals as of the date of death, and minus withdrawals from the date of death to the date the death benefit is paid).	Optional	0.20% annually of average Policy Value	•Available only at time of purchase. •Cannot change death benefit once elected. •Not available if You or Annuitant is 86 or older on Policy Date. •Must allocate 100% of Policy Value to designated Investment Options. •Withdrawals can significantly reduce benefit value or terminate benefit. •Terminates upon Annuitization. •May not be available in all states.
Dollar Cost Averaging Program	Allows you to automatically make transfers into one or more Subaccounts.	Standard	No charge	•A minimum of $500 per transfer is required. •Minimum and maximum number of transfers. •May not be available in all states.
Asset Rebalancing	Automatically rebalances the amounts in Your Subaccounts to maintain Your desired asset allocation percentages.	Standard	No charge	•Can be stopped at any time. •You can choose to rebalance monthly, quarterly, semi-annually, or annually.
Systematic Payout Option	Provides monthly, quarterly, semi-annual or annual withdrawals.	Optional	No Charge	•Subject to $40 minimum withdrawals. •Systematic withdrawals in excess of cumulative interest credited from Guaranteed Period Options may be subject to Excess Interest Adjustment. •Systematic withdrawals can significantly reduce benefit value or terminate benefit.

Benefits Available [Table Text Block]

Name of Benefit	Purpose	Standard or Optional	Maximum Annual Fee	Brief Description of Restrictions/Limitations
Return of Premium Death Benefit	Pays minimum death benefit equal to total premium payments (minus adjusted withdrawals as of the date of death, and minus withdrawals from the date of death to the date the death benefit is paid).	Optional	0.20% annually of average Policy Value	•Available only at time of purchase. •Cannot change death benefit once elected. •Not available if You or Annuitant is 86 or older on Policy Date. •Must allocate 100% of Policy Value to designated Investment Options. •Withdrawals can significantly reduce benefit value or terminate benefit. •Terminates upon Annuitization. •May not be available in all states.
Dollar Cost Averaging Program	Allows you to automatically make transfers into one or more Subaccounts.	Standard	No charge	•A minimum of $500 per transfer is required. •Minimum and maximum number of transfers. •May not be available in all states.
Asset Rebalancing	Automatically rebalances the amounts in Your Subaccounts to maintain Your desired asset allocation percentages.	Standard	No charge	•Can be stopped at any time. •You can choose to rebalance monthly, quarterly, semi-annually, or annually.
Systematic Payout Option	Provides monthly, quarterly, semi-annual or annual withdrawals.	Optional	No Charge	•Subject to $40 minimum withdrawals. •Systematic withdrawals in excess of cumulative interest credited from Guaranteed Period Options may be subject to Excess Interest Adjustment. •Systematic withdrawals can significantly reduce benefit value or terminate benefit.

Name of Benefit

Optional Benefit Expense, Footnotes [Text Block]

Purpose

Optional Benefit Separate Account Expenses: Any optional benefit Separate Account expense is in addition to the mortality and expense risk and administrative fees.

Brief Description ofRestrictions/Limitations

Item 17. Portfolio Companies (N-4) [Text Block]

Name of Benefit

APPENDIX PORTFOLIO COMPANIES AVAILABLE UNDER THE POLICY The following is a list of current Portfolio Companies available under the Policy, which are subject to change as discussed in this prospectus. Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact Your financial intermediary or our Administrative Office. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at http://dfinview.com/Transamerica/TAHD/89390D540?site=VAVUL. You can also request this information at no cost by calling our Administrative Office at (800)525-6205. The current expenses and performance below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	Average Annual Total Returns (as of 12/31/22)
Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	1 year	5 years	10 years
To achieve long-term capital appreciation.	DFA VA Equity Allocation Portfolio Advised by: Dimensional Fund Advisors LP	0.49%	20.14%	12.74%	N/A
Provide a market rate of return for a fixed income portfolio with low relative volatility of returns.	DFA VA Global Bond Portfolio - Institutional Class Advised by: Dimensional Fund Advisors LP	0.21%	5.05%	0.58%	1.29%
To see total return consisting of capital appreciation and current income.	DFA VA Global Moderate Allocation Portfolio Advised by: Dimensional Fund Advisors LP	0.44%	14.72%	8.93%	6.07%
To achieve long-term capital appreciation.	DFA VA International Small Portfolio Advised by: Dimensional Fund Advisors LP	0.40%	14.11%	7.86%	4.89%
To achieve long-term capital appreciation.	DFA VA International Value Portfolio Advised by: Dimensional Fund Advisors LP	0.27%	17.86%	8.87%	4.16%
To achieve a stable real return in excess of the rate of inflation with minimum risk.	DFA VA Short-Term Fixed Portfolio Advised by: Dimensional Fund Advisors LP	0.12%	4.98%	1.33%	1.05%
To achieve long-term capital appreciation.	DFA VA U.S. Large Value Portfolio Advised by: Dimensional Fund Advisors LP	0.21%	10.92%	10.71%	8.10%
To achieve long-term capital appreciation.	DFA VA U.S. Targeted Value Portfolio Advised by: Dimensional Fund Advisors LP	0.29%	20.03%	15.40%	9.00%
Seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index.	Transamerica S&P 500 Index VP - Initial Class(3) Advised by: SSGA Funds Management, Inc.	0.13%	25.73%	15.20%	N/A
To provide long-term capital appreciation and reasonable current income.	Vanguard® VIF Balanced Portfolio Advised by: Wellington Management Company, LLP	0.21%	14.33%	9.59%	7.89%
To provide long-term capital appreciation.	Vanguard® VIF Capital Growth Portfolio Advised by: PRIMECAP Management Company	0.34%	27.98%	14.33%	12.85%
To provide current income and low to moderate capital appreciation.	Vanguard® VIF Conservative Allocation Portfolio Advised by: The Vanguard Group, Inc.	0.13%	12.51%	5.60%	4.84%

PORTFOLIO COMPANIES AVAILABLE UNDER THE POLICY — (Continued)

Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	Average Annual Total Returns (as of 12/31/22)
Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	1 year	5 years	10 years
To provide long-term capital appreciation and income.	Vanguard® VIF Diversified Value Portfolio Advised by: Barrow, Hanley, Mewhinney, & Strauss, LLC	0.29%	20.13%	14.28%	9.27%
To provide an above-average level of current income and reasonable long-term capital appreciation.	Vanguard® VIF Equity Income Portfolio Advised by: Wellington Management Company, LLP and Vanguard's Equity Investment Group	0.29%	8.10%	11.57%	9.53%
Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks.	Vanguard® VIF Equity Index Portfolio Advised by: Wellington Management Company, LLP and Vanguard's Equity Investment Group	0.14%	26.11%	15.52%	11.88%
Seeks to track the performance of a benchmark index that measures the investment return of the global, investment-grade, fixed income market.	Vanguard® VIF Global Bond Index Portfolio Advised by: The Vanguard Group, Inc.	0.13%	6.52%	1.00%	N/A
Seeks to provide long-term capital appreciation.	Vanguard® VIF Growth Portfolio Advised by: Jackson Square Partners, Wellington Management Company, LLP	0.33%	40.13%	16.08%	12.88%
Seeks to provide a high level of current income.	Vanguard® VIF High Yield Bond Portfolio Advised by: Wellington Management Company, LLP	0.24%	11.66%	5.13%	4.34%
Seeks to provide long-term capital appreciation.	Vanguard® VIF International Portfolio Advised by: Baillie Gifford Overseas Ltd., M&G Investment Management Limited, and Schroder Investment Management North America Inc.	0.33%	14.65%	10.28%	6.80%
Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks.	Vanguard® VIF Mid-Cap Index Portfolio Advised by: Vanguard Equity Investment Group	0.17%	15.83%	12.56%	9.27%
Seeks to provide capital appreciation and a low to moderate level of current income.	Vanguard® VIF Moderate Allocation Portfolio Advised by: The Vanguard Group, Inc.	0.13%	15.55%	7.78%	6.19%
Seeks to provide current income while maintaining liquidity and a stable share price of $1.	Vanguard® VIF Money Market Portfolio(2) Advised by: Vanguard's Fixed Income Group	0.15%	5.05%	1.86%	1.30%
Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REIT's.	Vanguard® VIF Real Estate Index Portfolio Advised by: Vanguard Equity Investment Group	0.26%	11.70%	7.18%	7.29%
Seeks to provide current income while maintaining limited price volatility.	Vanguard® VIF Short-Term Investment-Grade Portfolio Advised by: Vanguard's Fixed Income Group	0.14%	6.16%	2.13%	1.93%
Seeks to track the performance of a broad, market-weighted bond index.	Vanguard® VIF Total Bond Market Index Portfolio Advised by: Vanguard's Fixed Income Group	0.14%	5.58%	1.04%	1.71%
Seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States.	Vanguard® VIF Total International Stock Market Index Portfolio Advised by: The Vanguard Group, Inc.	0.11%	15.55%	7.31%	N/A
Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.	Vanguard® VIF Total Stock Market Index Portfolio Advised by: The Vanguard Group, Inc.	0.13%	25.95%	14.93%	11.29%

(1)Some Subaccounts may be available for certain policies and may not be available for all policies. You should work with Your financial PORTFOLIO COMPANIES AVAILABLE UNDER THE POLICY — (Continued)intermediary to decide which Subaccount(s) may be appropriate for you based on a thorough analysis of your particular insurance needs, financial objective, investment goals, time horizons, and risk tolerance. (2)There can be no assurance that any money market portfolio offered under this policy will be able to maintain a stable net asset value per share during extended periods of low interest rates, and partly as a result of policy charges, the yield on the money market Subaccount may become extremely low and possibly negative.There are no Portfolios that have been closed to new investments or new investors.

Prospectuses Available [Text Block]

The following is a list of current Portfolio Companies available under the Policy, which are subject to change as discussed in this prospectus. Certain Subaccounts may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any Subaccount at any time. In some cases, a Subaccount not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a Subaccount, please contact Your financial intermediary or our Administrative Office. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at http://dfinview.com/Transamerica/TAHD/89390D540?site=VAVUL. You can also request this information at no cost by calling our Administrative Office at (800)525-6205. The current expenses and performance below reflects fee and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that Your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

Portfolio Companies [Table Text Block]

Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	Average Annual Total Returns (as of 12/31/22)
Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	1 year	5 years	10 years
To achieve long-term capital appreciation.	DFA VA Equity Allocation Portfolio Advised by: Dimensional Fund Advisors LP	0.49%	20.14%	12.74%	N/A
Provide a market rate of return for a fixed income portfolio with low relative volatility of returns.	DFA VA Global Bond Portfolio - Institutional Class Advised by: Dimensional Fund Advisors LP	0.21%	5.05%	0.58%	1.29%
To see total return consisting of capital appreciation and current income.	DFA VA Global Moderate Allocation Portfolio Advised by: Dimensional Fund Advisors LP	0.44%	14.72%	8.93%	6.07%
To achieve long-term capital appreciation.	DFA VA International Small Portfolio Advised by: Dimensional Fund Advisors LP	0.40%	14.11%	7.86%	4.89%
To achieve long-term capital appreciation.	DFA VA International Value Portfolio Advised by: Dimensional Fund Advisors LP	0.27%	17.86%	8.87%	4.16%
To achieve a stable real return in excess of the rate of inflation with minimum risk.	DFA VA Short-Term Fixed Portfolio Advised by: Dimensional Fund Advisors LP	0.12%	4.98%	1.33%	1.05%
To achieve long-term capital appreciation.	DFA VA U.S. Large Value Portfolio Advised by: Dimensional Fund Advisors LP	0.21%	10.92%	10.71%	8.10%
To achieve long-term capital appreciation.	DFA VA U.S. Targeted Value Portfolio Advised by: Dimensional Fund Advisors LP	0.29%	20.03%	15.40%	9.00%
Seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index.	Transamerica S&P 500 Index VP - Initial Class(3) Advised by: SSGA Funds Management, Inc.	0.13%	25.73%	15.20%	N/A
To provide long-term capital appreciation and reasonable current income.	Vanguard® VIF Balanced Portfolio Advised by: Wellington Management Company, LLP	0.21%	14.33%	9.59%	7.89%
To provide long-term capital appreciation.	Vanguard® VIF Capital Growth Portfolio Advised by: PRIMECAP Management Company	0.34%	27.98%	14.33%	12.85%
To provide current income and low to moderate capital appreciation.	Vanguard® VIF Conservative Allocation Portfolio Advised by: The Vanguard Group, Inc.	0.13%	12.51%	5.60%	4.84%

Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	Average Annual Total Returns (as of 12/31/22)
Investment Objective	Underlying Fund Portfolio and Adviser/Sub-adviser (1)	Current Expenses	1 year	5 years	10 years
To provide long-term capital appreciation and income.	Vanguard® VIF Diversified Value Portfolio Advised by: Barrow, Hanley, Mewhinney, & Strauss, LLC	0.29%	20.13%	14.28%	9.27%
To provide an above-average level of current income and reasonable long-term capital appreciation.	Vanguard® VIF Equity Income Portfolio Advised by: Wellington Management Company, LLP and Vanguard's Equity Investment Group	0.29%	8.10%	11.57%	9.53%
Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks.	Vanguard® VIF Equity Index Portfolio Advised by: Wellington Management Company, LLP and Vanguard's Equity Investment Group	0.14%	26.11%	15.52%	11.88%
Seeks to track the performance of a benchmark index that measures the investment return of the global, investment-grade, fixed income market.	Vanguard® VIF Global Bond Index Portfolio Advised by: The Vanguard Group, Inc.	0.13%	6.52%	1.00%	N/A
Seeks to provide long-term capital appreciation.	Vanguard® VIF Growth Portfolio Advised by: Jackson Square Partners, Wellington Management Company, LLP	0.33%	40.13%	16.08%	12.88%
Seeks to provide a high level of current income.	Vanguard® VIF High Yield Bond Portfolio Advised by: Wellington Management Company, LLP	0.24%	11.66%	5.13%	4.34%
Seeks to provide long-term capital appreciation.	Vanguard® VIF International Portfolio Advised by: Baillie Gifford Overseas Ltd., M&G Investment Management Limited, and Schroder Investment Management North America Inc.	0.33%	14.65%	10.28%	6.80%
Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks.	Vanguard® VIF Mid-Cap Index Portfolio Advised by: Vanguard Equity Investment Group	0.17%	15.83%	12.56%	9.27%
Seeks to provide capital appreciation and a low to moderate level of current income.	Vanguard® VIF Moderate Allocation Portfolio Advised by: The Vanguard Group, Inc.	0.13%	15.55%	7.78%	6.19%
Seeks to provide current income while maintaining liquidity and a stable share price of $1.	Vanguard® VIF Money Market Portfolio(2) Advised by: Vanguard's Fixed Income Group	0.15%	5.05%	1.86%	1.30%
Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REIT's.	Vanguard® VIF Real Estate Index Portfolio Advised by: Vanguard Equity Investment Group	0.26%	11.70%	7.18%	7.29%
Seeks to provide current income while maintaining limited price volatility.	Vanguard® VIF Short-Term Investment-Grade Portfolio Advised by: Vanguard's Fixed Income Group	0.14%	6.16%	2.13%	1.93%
Seeks to track the performance of a broad, market-weighted bond index.	Vanguard® VIF Total Bond Market Index Portfolio Advised by: Vanguard's Fixed Income Group	0.14%	5.58%	1.04%	1.71%
Seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States.	Vanguard® VIF Total International Stock Market Index Portfolio Advised by: The Vanguard Group, Inc.	0.11%	15.55%	7.31%	N/A
Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.	Vanguard® VIF Total Stock Market Index Portfolio Advised by: The Vanguard Group, Inc.	0.13%	25.95%	14.93%	11.29%

Investment Objective

Benefits Available for Portfolio Companies [Table Text Block]

SSGA Funds Management, Inc.

APPENDIX Designated Investment Options The table below identifies the Designated Investment Options available for use with the Return of Premium Death Benefit.

	Return of Premium Death Benefit
Subaccounts
DFA VA Equity Allocation Portfolio	√
DFA VA Global Bond Portfolio - Institutional Class	√
DFA VA Global Moderate Allocation Portfolio	√
DFA VA International Small Portfolio	√
DFA VA International Value Portfolio	√
DFA VA Short-Term Fixed Portfolio	√
DFA VA U.S. Large Value Portfolio	√
DFA VA U.S. Large Value Portfolio	√
Vanguard® VIF Balanced Portfolio	√
Vanguard® VIF Capital Growth Portfolio	√
Vanguard® VIF Conservative Allocation Portfolio	√
Vanguard® VIF Diversified Value Portfolio	√
Vanguard® VIF Equity Income Portfolio	√
Vanguard® VIF Equity Index Portfolio	√
Vanguard® VIF Global Bond Index Portfolio	√
Vanguard® VIF Growth Portfolio	√
Vanguard® VIF High Yield Bond Portfolio	√
Vanguard® VIF International Portfolio	√
Vanguard® VIF Mid-Cap Index Portfolio	√
Vanguard® VIF Moderate Allocation Portfolio	√
Vanguard® VIF Money Market Portfolio	√
Vanguard® VIF Real Estate Index Portfolio	√
Vanguard® VIF Short-Term Investment-Grade Portfolio	√
Vanguard® VIF Total Bond Market Index Portfolio	√
Vanguard® VIF Total International Stock Market Index Portfolio	√
Vanguard® VIF Total Stock Market Index Portfolio	√

Certain designated Investment Options may not be available in all states, at all times or through all financial intermediaries. We may discontinue offering any designated Investment Option at any time. In some cases, a designated Investment Option not available through a financial intermediary may be obtained by contacting us directly. For more information on the options available for electing a designated Investment Option, please contact Your financial intermediary or our Administrative Office.

TA Advisory Annuity | RisksOfAnIncreaseInCurrentFeesAndExpensesMember

TA Advisory Annuity | InvestmentRiskMember

Risks Of An Increase In Current Fees And Expenses. Certain fees and expenses are currently assessed at less than their guaranteed maximum levels. In the future, these charges may be increased up to the guaranteed (maximum) levels.

TA Advisory Annuity | InvestmentRestrictionsOpportunityRisksMember

Investment Risk. You bear the risk of any decline in the Policy Value caused by the performance of the underlying fund portfolios held by the Subaccounts. Those funds could decline in value very significantly, and there is a risk of loss of your entire amount invested. The risk of loss varies with each underlying fund. This risk could have a significant negative impact on the value of certain optional benefits offered under the Policy. The investment risks are described in the prospectuses for the underlying funds.

TA Advisory Annuity | RiskAssociatedWithElectionOfOptionalBenefitsMember

Investment Restrictions – Opportunity Risks. Generally, the living benefit riders offered under the Policy restrict Your choice of available underlying fund portfolios. These restrictions are intended to protect us financially, in that they reduce the likelihood that we will have to pay guaranteed benefits under the riders from our own assets. These restrictions could result in an opportunity cost – in the form of underlying fund portfolios that You did not invest in that ultimately generated superior investment performance. Thus, You should consider these underlying fund portfolio restrictions when deciding whether to elect an optional benefit that features such restrictions.

TA Advisory Annuity | RisksOfManagingGeneralAccountAssetsMember

Risk Associated With Election of Optional Benefits. Several of the optional benefits include a host of requirements that must be adhered to in order to preserve and maximize the guarantees we offer under the benefit. If You fail to adhere to these requirements, that may diminish the value of the benefit and even possibly cause termination of the benefit. In addition, it is possible that You will pay fees for the optional benefit without fully realizing the guarantees available under the optional benefit. For example, such would be the case if You were to hold a Guaranteed Lifetime Withdrawal Benefit for many years yet die sooner than anticipated, without having taken a significant number of lifetime withdrawals.

TA Advisory Annuity | InsuranceCompanyInsolvencyMember

Risks of Managing General Account Assets. The general account assets of the Company are used to support the payment of guaranteed benefits under the Policy. To the extent that the Company is required to pay amounts in addition to the Policy Value, such amounts will come from our general account assets. You should be aware that the general account assets are exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk, and are also subject to the claims of the Company’s general creditors. The Company’s financial statements contained in the Statement of Additional Information include a further discussion of risks inherent in the general account investments.

TA Advisory Annuity | TaxConsequencesMember

Insurance Company Insolvency. It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that exceed the assets in the Separate Account that we promise.

TA Advisory Annuity | CybersecurityAndCertainBusinessContinuityRisksMember

Tax Consequences. Withdrawals are generally taxable to the extent of any earnings in the Policy, and prior to age 59½ a tax penalty may apply. In addition, even if the Policy is held for years before any withdrawal is made, withdrawals are taxable as ordinary income rather than capital gains.

TA Advisory Annuity | BusinessContinuityMember

Cybersecurity and Certain Business Continuity Risks Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate reputation. In addition, we must commit significant resources to maintain and enhance its existing systems in order to keep pace with applicable regulatory requirements, industry standards and customer preferences. If we fail to maintain secure and well-functioning information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, we cannot assure investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse effect on our businesses, results of operations and financial condition. For additional detail regarding cybersecurity and related risks, please reference the Cyber Security section in the Statement of Additional Information.

TA Advisory Annuity | Risk of Loss [Member]

Business Continuity Our business operations may be adversely affected by volatile natural and man-made disasters, including (but not limited to) hurricanes, earthquakes, terrorism, civil unrest, geopolitical disputes, military action, fires and explosions, pandemic diseases, and other catastrophes (“Catastrophic Events”). Over the past several years, changing weather patterns and climatic conditions have added to the unpredictability and frequency of natural disasters in certain parts of the world. To date, the COVID-19 pandemic has caused significant uncertainty and disruption to governments, business operations, and consumer behavior on a global scale. Such uncertainty as to future trends and exposure may lead to financial losses to our businesses. Furthermore, Catastrophic Events may disrupt our operations and result in the loss of, or restricted access to, property and information about Transamerica and its clients. Such events may also impact the availability and capacity of our key personnel. If our business continuity plans do not include effective contingencies for Catastrophic Events, we may experience business disruption, damage to corporate reputation, and damage to financial condition for a prolonged period of time.

You can lose money by investing in this Policy.

TA Advisory Annuity | Not Short Term Investment Risk [Member]

There are risks associated with investing in the Policy. You can lose money in a variable annuity, including potential loss of Your original investment. The value of Your investment and any returns will depend primarily on the performance of the underlying fund portfolios You select. Each underlying fund portfolio may have its own unique risks. Variable annuities are not a short-term investment vehicle. The surrender charge applies for a number of years, so that the Policy should only be purchased for the long-term. Under some circumstances, You may receive less than the sum of Your premium payments. In addition, full or partial withdrawals will be subject to income tax and may be subject to a 10% Internal Revenue Service (“IRS”) penalty if taken before age 59½. Accordingly, You should carefully consider Your income and liquidity needs before purchasing a Policy. Additional information about these risks appears in the Tax Information section of this prospectus.

TA Advisory Annuity | Investment Options Risk [Member]

This Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash.The benefits of tax deferral and living benefit protection also means the Policy is more beneficial to investors with a long time horizon.

TA Advisory Annuity | Insurance Company Risk [Member]

•An investment in this Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Policy.•Each Investment Option, has its own unique risks.•You should review the prospectuses for the available Portfolio Companies before making an investment decision.

TA Advisory Annuity | DFAVAEquityAllocationPortfolioMember

Any obligations, guarantees, and benefits under the Policy are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to You. More information about Transamerica Life Insurance Company or Transamerica Financial Life Insurance Company, including our financial strength ratings, is available by visiting transamerica.com or by calling toll-free (800)525-6205.

To achieve long-term capital appreciation.

DFA VA Equity Allocation Portfolio

Dimensional Fund Advisors LP

0.49%

20.14%

TA Advisory Annuity | DFAVAGlobalBondPortfolioMember

12.74%

Provide a market rate of return for a fixed income portfolio with low relative volatility of returns.

DFA VA Global Bond Portfolio - Institutional Class

Dimensional Fund Advisors LP

0.21%

5.05%

0.58%

TA Advisory Annuity | DFAVAGlobalModerateAllocationPortfolioMember

1.29%

To see total return consisting of capital appreciation and current income.

DFA VA Global Moderate Allocation Portfolio

Dimensional Fund Advisors LP

0.44%

14.72%

8.93%

TA Advisory Annuity | DFAVAInternationalSmallPortfolioMember

6.07%

To achieve long-term capital appreciation.

DFA VA International Small Portfolio

Dimensional Fund Advisors LP

0.40%

14.11%

7.86%

TA Advisory Annuity | DFAVAInternationalValuePortfolioMember

4.89%

To achieve long-term capital appreciation.

DFA VA International Value Portfolio

Dimensional Fund Advisors LP

0.27%

17.86%

8.87%

TA Advisory Annuity | DFAVAShortTermFixedPortfolioMember

4.16%

To achieve a stable real return in excess of the rate of inflation with minimum risk.

DFA VA Short-Term Fixed Portfolio

Dimensional Fund Advisors LP

0.12%

4.98%

1.33%

TA Advisory Annuity | DFAVAUSLargeValuePortfolioMember

1.05%

To achieve long-term capital appreciation.

DFA VA U.S. Large Value Portfolio

Dimensional Fund Advisors LP

0.21%

10.92%

10.71%

TA Advisory Annuity | DFAVAUSTargetedValuePortfolioMember

8.10%

To achieve long-term capital appreciation.

DFA VA U.S. Targeted Value Portfolio

Dimensional Fund Advisors LP

0.29%

20.03%

15.40%

TA Advisory Annuity | TransamericaSP500IndexVPInitialClassMember

9.00%

Seeks to provide investment results that, before expenses, correspond generally to the price and yield performance of the S&P 500® Index.

0.13%

25.73%

TA Advisory Annuity | VanguardVIFBalancedPortfolioMember

15.20%

To provide long-term capital appreciation and reasonable current income.

Vanguard® VIF Balanced Portfolio

Wellington Management Company, LLP

0.21%

14.33%

9.59%

TA Advisory Annuity | VanguardVIFCapitalGrowthPortfolioMember

7.89%

To provide long-term capital appreciation.

Vanguard® VIF Capital Growth Portfolio

PRIMECAP Management Company

0.34%

27.98%

14.33%

TA Advisory Annuity | VanguardVIFConservativeAllocationPortfolioMember

12.85%

To provide current income and low to moderate capital appreciation.

Vanguard® VIF Conservative Allocation Portfolio

The Vanguard Group, Inc.

0.13%

12.51%

5.60%

TA Advisory Annuity | VanguardVIFDiversifiedValuePortfolioMember

4.84%

To provide long-term capital appreciation and income.

Vanguard® VIF Diversified Value Portfolio

Barrow, Hanley, Mewhinney, & Strauss, LLC

0.29%

20.13%

14.28%

TA Advisory Annuity | VanguardVIFEquityIncomePortfolioMember

9.27%

To provide an above-average level of current income and reasonable long-term capital appreciation.

Vanguard® VIF Equity Income Portfolio

Wellington Management Company, LLP and Vanguard's Equity Investment Group

0.29%

8.10%

11.57%

TA Advisory Annuity | VanguardVIFEquityIndexPortfolioMember

9.53%

Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks.

Vanguard® VIF Equity Index Portfolio

Wellington Management Company, LLP and Vanguard's Equity Investment Group

0.14%

26.11%

15.52%

TA Advisory Annuity | VanguardVIFGlobalBondIndexPortfolioMember

11.88%

Seeks to track the performance of a benchmark index that measures the investment return of the global, investment-grade, fixed income market.

Vanguard® VIF Global Bond Index Portfolio

The Vanguard Group, Inc.

0.13%

6.52%

TA Advisory Annuity | VanguardVIFGrowthPortfolioMember

1.00%

Seeks to provide long-term capital appreciation.

Vanguard® VIF Growth Portfolio

Jackson Square Partners, Wellington Management Company, LLP

0.33%

40.13%

16.08%

TA Advisory Annuity | VanguardVIFHighYieldBondPortfolioMember

12.88%

Seeks to provide a high level of current income.

Vanguard® VIF High Yield Bond Portfolio

Wellington Management Company, LLP

0.24%

11.66%

5.13%

TA Advisory Annuity | VanguardVIFInternationalPortfolioMember

4.34%

Seeks to provide long-term capital appreciation.

Vanguard® VIF International Portfolio

Baillie Gifford Overseas Ltd., M&G Investment Management Limited, and Schroder Investment Management North America Inc.

0.33%

14.65%

10.28%

TA Advisory Annuity | VanguardVIFMidCapIndexPortfolioMember

6.80%

Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks.

Vanguard® VIF Mid-Cap Index Portfolio

Vanguard Equity Investment Group

0.17%

15.83%

12.56%

TA Advisory Annuity | VanguardVIFModerateAllocationPortfolioMember

9.27%

Seeks to provide capital appreciation and a low to moderate level of current income.

Vanguard® VIF Moderate Allocation Portfolio

The Vanguard Group, Inc.

0.13%

15.55%

7.78%

TA Advisory Annuity | VanguardVIFMoneyMarketPortfolioMember

6.19%

Seeks to provide current income while maintaining liquidity and a stable share price of $1.

Vanguard® VIF Money Market Portfolio

Vanguard's Fixed Income Group

0.15%

5.05%

1.86%

TA Advisory Annuity | VanguardVIFRealEstateIndexPortfolioMember

1.30%

Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REIT's.

Vanguard® VIF Real Estate Index Portfolio

Vanguard Equity Investment Group

0.26%

11.70%

7.18%

TA Advisory Annuity | VanguardVIFShortTermInvestmentGradePortfolioMember

7.29%

Seeks to provide current income while maintaining limited price volatility.

Vanguard® VIF Short-Term Investment-Grade Portfolio

Vanguard's Fixed Income Group

0.14%

6.16%

2.13%

TA Advisory Annuity | VanguardVIFTotalBondMarketIndexPortfolioMember

1.93%

Seeks to track the performance of a broad, market-weighted bond index.

Vanguard® VIF Total Bond Market Index Portfolio

Vanguard's Fixed Income Group

0.14%

5.58%

1.04%

TA Advisory Annuity | VanguardVIFTotalInternationalStockMarketIndexPortfolioMember

1.71%

Seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States.

Vanguard® VIF Total International Stock Market Index Portfolio

The Vanguard Group, Inc.

0.11%

15.55%

TA Advisory Annuity | VanguardVIFTotalStockMarketIndexPortfolioMember

7.31%

Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.

Vanguard® VIF Total Stock Market Index Portfolio

The Vanguard Group, Inc.

0.13%

25.95%

14.93%

TA Advisory Annuity | TransamericaSP500IndexVPMember

11.29%

Transamerica S&P 500 Index VP - Initial Class

TA Advisory Annuity | ReturnofPremiumDeathBenefitMember

SSGA Funds Management, Inc.

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.20%

Optional Benefit Expense (of Other Amount), Current [Percent]

0.20%

Return of Premium Death Benefit

Optional Benefit Expense (of Other Amount), Maximum [Percent]

Pays minimum death benefit equal to total premium payments (minus adjusted withdrawals as of the date of death, and minus withdrawals from the date of death to the date the death benefit is paid).

Optional Benefit [Flag]

true

0.20%

Optional Benefit Expense (of Other Amount), Current [Percent]

0.20%

•Available only at time of purchase.•Cannot change death benefit once elected.•Not available if You or Annuitant is 86 or older on Policy Date.•Must allocate 100% of Policy Value to designated Investment Options.•Withdrawals can significantly reduce benefit value or terminate benefit.•Terminates upon Annuitization.•May not be available in all states.

TA Advisory Annuity | DollarCostAveragingProgramMember

Return of Premium Death Benefit

Dollar Cost Averaging Program

Standard Benefit Expense (of Other Amount), Maximum [Percent]

Allows you to automatically make transfers into one or more Subaccounts.

Standard Benefit [Flag]

true

0.00%

•A minimum of $500 per transfer is required.•Minimum and maximum number of transfers.•May not be available in all states.

TA Advisory Annuity | AssetRebalancingMember

Dollar Cost Averaging Program

Asset Rebalancing

Standard Benefit Expense (of Other Amount), Maximum [Percent]

Automatically rebalances the amounts in Your Subaccountsto maintain Your desired asset allocation percentages.

Standard Benefit [Flag]

true

0.00%

•Can be stopped at any time.•You can choose to rebalance monthly, quarterly, semi-annually, or annually.

TA Advisory Annuity | SystematicPayoutOptionMember

Asset Rebalancing

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.00%

Systematic Payout Option

Optional Benefit Expense (of Other Amount), Maximum [Percent]

Provides monthly, quarterly, semi-annual or annual withdrawals.

Optional Benefit [Flag]

true

0.00%

•Subject to $40 minimum withdrawals.•Systematic withdrawals in excess of cumulative interest credited from Guaranteed Period Options may be subject to Excess Interest Adjustment.•Systematic withdrawals can significantly reduce benefit value or terminate benefit.

TA Advisory Annuity | Standard Death Benefit [Member]

Systematic Payout Option