Index Accounts
At-A-Glance
PLUS HISTORICAL DATA WITH
CURRENT CAPS AND FLOORS APPLIED
for Transamerica Financial Foundation IULSM
An index universal life policy is permanent life insurance that combines the protection of a tax-free death
benefit with the potential to be credited Excess Index Interest based in part on changes in an index or multiple
indexes. The Transamerica Financial Foundation IUL SM and TFLIC Financial Foundation IUL SM offer the policy
owner the flexibility to allocate net premiums to the Global Index Account, the S&P 500 Index Account, the
Basic Interest Account, or a combination of the three.
S&P 500 INDEX ACCOUNT
GLOBAL INDEX ACCOUNT
Interest Crediting Method Interest Crediting Method
The Company credits Excess Index Interest, if any, to The Company credits Excess Index Interest, if any, to
this Index Account using a formula based on changes this Index Account based on a weighted average of the
in the S&P 500 Index, excluding dividends. The index index change percentages of three indexes, excluding
change percentage is then compared to the Cap. dividends. The weighted index change percentages are
added together and compared to the Cap.
To arrive at the weighted index
to the percentage
change percentage, we apply
change in the S&P 500
the following factors:
or the EURO STOXX 50,
whichever is lower
to the percentage
100% change in the 30%
S&P 500 to the percentage 50%
change in the
S&P 500 or the
EURO STOXX 50, to the percentage
whichever is higher 20% change in the
Hang Seng Index
S&P 500 INDEX EURO STOXX 50 INDEX HANG SENG INDEX
Tracks 500 large cap equities in leading Comprised of 50 large cap stocks from leading Has a long history beginning in the 1960s and
industries of the U.S. economy, and is one of European blue-chip companies. is one of the most recognized indicators of the
the most well-known market benchmarks. stock market performance in Hong Kong.
Index Accounts At-A-Glance must be accompanied by the IUL consumer brochure that includes details about how the
policy works, its features, fees and charges. Please read the brochure carefully.
INDEX UNIVERSAL LIFE IS NOT A SECURITY and index universal life policies are not an investment in the stock market or
in the indexes. Index account interest is based, in part, on index performance.
Past performance of an index is not an indication of future index performance. There is no guarantee that any Excess
Index Interest will be credited above the guaranteed minimum interest rate for the Index Account(s). Additionally, there
is no guarantee that the company will declare an interest rate greater than the
guaranteed minimum interest rate for the Basic Interest Account.
Even though interest may be credited to the Accounts, monthly deductions and
index account monthly charges (if applicable) will impact the Policy Value.
TRANSAMERICA PREMIER LIFE INSURANCE COMPANY
TD3199-0116 TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY
S&P 500 INDEX ACCOUNT
GUARANTEED
The S&P 500 Index Account Option will never be credited less than MINIMUM CURRENT
the guaranteed minimum interest rate or floor and has the potential INTEREST CAP
to be credited with Excess Index Interest up to the current Cap. RATE
0.75% 13.75%
HISTORICAL INDEX LOOK-BACK PERIODS
The look-back periods are for illustrative purposes only. The IUL policy was not available during all of the
time periods shown. The Caps are subject to change at the discretion of the Company and will be different
over different time periods. A lower or higher Cap would produce different hypothetical results. Further,
index changes measured on different dates would produce different hypothetical results. The Average
Index Change shows the geometric averages of one-year historical index changes (excluding dividends)
ending December 31st for each year during the time period shown. Average Index Change Using Cap &
Floor shows the averages that would have resulted from applying the policys current Cap and floor to the
index changes for the same time periods.
25-YEAR 20-YEAR 15-YEAR 10-YEAR 5-YEAR 1-YEAR
LOOK-BACK PERIOD
1990-2015 1995-2015 2000-2015 2005-2015 2010-2015 2014-2015
AVERAGE
7.56% 6.14% 3.15% 4.88% 10.20% -0.73%
INDEX CHANGE
AVERAGE INDEX CHANGE
8.10% 8.17% 7.24% 8.03% 7.68% 0.75%
USING CAP & FLOOR
20 YEAR LOOK-BACK OVERVIEW
S&P 500 INDEX CHANGE
CALENDAR YEAR S&P 500 INDEX CHANGE USING THE FLOOR &
CURRENT 13.75% CAP
1996 19.33% 13.75%
1997 31.01% 13.75%
1998 26.67% 13.75%
1999 19.53% 13.75%
2000 -12.66% 0.75%
2001 -10.53% 0.75%
2002 -23.37% 0.75%
2003 26.38% 13.75%
2004 8.99% 8.99%
2005 4.69% 4.69%
2006 11.65% 11.65%
2007 3.65% 3.65%
2008 -38.49% 0.75%
2009 23.45% 13.75%
2010 12.78% 12.78%
2011 1.54% 1.54%
2012 11.68% 11.68%
2013 29.60% 13.75%
2014 11.39% 11.39%
2015 -0.73% 0.75%
20-Year Average 6.14% 8.17%
GLOBAL INDEX ACCOUNT
GUARANTEED
The Global Index Account Option will never be credited less than the MINIMUM CURRENT
guaranteed minimum interest rate or floor and has the potential INTEREST CAP
to be credited with Excess Index Interest up to the current Cap. RATE
0.75% 15.00%
HISTORICAL INDEX LOOK-BACK PERIODS
The look-back periods are for illustrative purposes only. The IUL policy was not available during all of the
time periods shown. The Caps are subject to change at the discretion of the Company and will be different
over different time periods. A lower or higher Cap would produce different hypothetical results. Further,
index changes measured on different dates would produce different hypothetical results. The Average
Weighted Index Change shows the geometric averages of one-year historical index changes (excluding
dividends) ending December 31st for each year during the time period shown. Average Weighted Index
Change Using Cap & Floor shows the averages that would have resulted from applying the policys
current Cap and floor to the index changes for the same time periods.
25-YEAR 20-YEAR 15-YEAR 10-YEAR 5-YEAR 1-YEAR
LOOK-BACK PERIOD
1990-2015 1995-2015 2000-2015 2005-2015 2010-2015 2014-2015
AVERAGE WEIGHTED
8.37% 6.01% 1.81% 3.17% 5.67% -1.83%
INDEX CHANGE
AVERAGE WEIGHTED INDEX
9.35% 9.03% 8.05% 8.33% 7.46% 0.75%
CHANGE USING CAP & FLOOR
20 YEAR LOOK-BACK OVERVIEW
WEIGHTED INDEX CHANGE
CALENDAR S&P 500 EURO STOXX 50 HANG SENG WEIGHTED
USING THE FLOOR &
YEAR INDEX CHANGE INDEX CHANGE INDEX CHANGE INDEX CHANGE
CURRENT 15% CAP
1996 19.33% 19.52% 29.38% 21.44% 15.00%
1997 31.01% 41.13% -19.11% 26.05% 15.00%
1998 26.67% 37.60% -8.16% 25.17% 15.00%
1999 19.53% 36.86% 77.08% 39.70% 15.00%
2000 -12.66% -3.04% -14.39% -8.20% 0.75%
2001 -10.53% -20.12% -23.67% -16.04% 0.75%
2002 -23.37% -32.84% -17.49% -25.03% 0.75%
2003 26.38% 10.92% 36.69% 23.80% 15.00%
2004 8.99% 6.16% 11.22% 8.59% 8.59%
2005 4.69% 21.69% 4.97% 13.25% 13.25%
2006 11.65% 15.88% 36.59% 18.75% 15.00%
2007 3.65% 3.61% 35.01% 9.91% 9.91%
2008 -38.49% -41.55% -45.42% -40.79% 0.75%
2009 23.45% 18.98% 45.07% 26.43% 15.00%
2010 12.78% -5.91% 7.39% 6.10% 6.10%
2011 1.54% -15.83% -19.45% -7.87% 0.75%
2012 11.68% 13.45% 23.49% 14.92% 14.92%
2013 29.60% 12.86% 0.12% 18.68% 15.00%
2014 11.39% 2.60% 1.63% 6.80% 6.80%
2015 -0.73% 0.81% -10.09% -1.83% 0.75%
20-Year Average 6.14% 3.71% 3.75% 6.01% 9.03%
This is a brief overview of the Index Account Options available in the Transamerica Financial Foundation IUL, Policy
Form ICC12 IUL06 or IUL06 issued by Transamerica Premier Life Insurance Company, Cedar Rapids, IA and the TFLIC
Financial Foundation IUL, Policy Form IUL06 NY issued by Transamerica Financial Life Insurance Company, Harrison, NY.
Transamerica Financial Life Insurance Company is authorized to conduct business in New York. Transamerica Premier Life
Insurance Company is authorized to conduct business in all other states. For complete details including fees and charges
associated with this product, please refer to the consumer brochure.
Any guarantees associated with this policy are based on the claims-paying ability of the Company.
S&P is a registered trademark of Standard & Poors Financial Services LLC (S&P) and Dow Jones is a registered
trademark of Dow Jones Trademark Holdings LLC (Dow Jones). The foregoing trademarks have been licensed for use
by S&P Dow Jones Indices LLC. S&P and S&P 500 are trademarks of S&P and have been licensed for use by S&P Dow
Jones Indices LLC and the Company. The S&P 500 index is a product of S&P Dow Jones Indices LLC and has been licensed
for use by the Company. This policy is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow
Jones, S&P or their respective affiliates and neither S&P Dow Jones Indices LLC, Dow Jones, S&P nor their respective
affiliates make any representation regarding the advisability of purchasing this policy.
The EURO STOXX 50 is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland,
(the Licensor), and is used under license. This life insurance policy, based, in part, on the Index is in no way sponsored,
endorsed, sold or promoted by the Licensor and the Licensor shall have no liability with respect thereto.
Please read the full disclaimer in the policy regarding the Hang Seng Index in relation to the policy.
Policy Form ICC12 IUL06, IUL06 or IUL06 NY.
Policy form number may vary by state.
TD3199-0116
