Merrill Lynch Retirement Plus
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1 Merrill Lynch Retirement Plus The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance quoted. The annuity value will fluctuate with market conditions so that when surrendered, it may be worth more or less than total of premium payments. This material gives performance numbers for the Merrill Lynch Retirement Plus. Variable annuities are long-term, tax deferred vehicles that offer investment options through subaccounts and insurance features such as annuitization and death benefit options. Investors should consider the investment objectives, risks, charges and expenses of each investment company carefully before investing. Both the contract prospectus and underlying fund prospectus contain this and other information about the investment companies. The contract prospectus and underlying fund prospectus should be read carefully before investing. Please contact for a prospectus. To obtain performance data current to the most recent month-end go to Taxes are due upon distribution of earnings. Distribution of earnings made prior to age 9½ may be subject to a % federal tax penalty. Surrender charges may also apply according to the terms of the variable annuity contract. The fees and charges reflected in the performance figures shown may not be specific to your annuity contract and, therefore, not reflect the returns your annuity earned. Some portfolios may not be available to existing annuity owners. Generally, each portfolio has broad risks that apply to all portfolios, such as market risk, as well as specific risks of investing in particular types of portfolios. Investing in certain types of portfolios, such as foreign (non-u.s.) securities or small or mid-cap funds, subjects your annuity to greater risk and volatility than the general market. The risks of a fund may be increased by the use of derivatives, such as futures, options and swaps. Please see the contract prospectus and underlying fund prospectus for the specific risks associated with each subaccount. Some portfolios may not be available to existing annuity owners. An investment in the money market subaccount is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although it seeks to preserve the value of your investment at $ per share, it is possible to lose money by investing in the subaccount. Returns reflect performance of the portfolio and subaccounts assuming a single premium payment at inception (date next to name), are net of all asset-based fees, including the daily mortality and expense risk fee and administrative charge equal to.% annually (collectively M&E&A), 2b- fees (if any) and all other actual portfolio expenses. Standardized returns in "With Surrender Charge & Contract Charge Deducted" column include a pro rata deduction of the $40 annual contract charge and any surrender charge that would apply if you terminated the contract at the end of each period indicated. Merrill Lynch Retirement Plus surrender charge is a percentage of amount withdrawn (in excess of any surrender charge free amount) and declines as follows: %. Non-standardized returns in "Without Surrender Charge & Contract Charge Deducted" column do not include these charges Returns do not include charges for other optional riders, or any taxes that may apply at distribution. IF THEY HAD, PERFORMANCE WOULD BE LOWER. Returns prior to the subaccount inception date are hypothetical and reflect performance as if the annuity was available. The figures in the tables may reflect waiver of advisory fees and reimbursement of other expenses. IN THE ABSENCE OF SUCH WAIVERS, THE PERFORMANCE WOULD HAVE BEEN LOWER. Investment option names may vary from their corresponding portfolio names. Please see the contract prospectus for portfolio names. TALRPPR08
2 Portfolio ly Performance Adjusted Historical Average Annual Returns Without surrender charge & contract charge deducted as of 08//206 charge deducted as of 08//206 Portfolio to to AB Global Thematic Growth Portfolio - Class A # 0// AB Large Cap Growth Portfolio - Class A, 06/26/ American Century VP International Fund - Class I 0/0/ American Century VP Ultra Fund - Class I 0/0/ BlackRock Basic Value V.I. Fund - Class I 07/0/ BlackRock Capital Appreciation V.I. Fund - Class I 04/0/ BlackRock Global Allocation V.I. Fund - Class I 02/28/ BlackRock Global Opportunities V.I. Fund - Class I 06/0/ BlackRock High Yield V.I. Fund -Class I 04/20/ BlackRock International V.I. Fund - Class I 06// BlackRock Large Cap Core V.I. Fund - Class I 04/20/ BlackRock Large Cap Growth V.I. Fund - Class I 04/0/ BlackRock Large Cap Value V.I. Fund - Class I 04/2/ BlackRock S&P 00 Index V.I. Fund - Class I 2// BlackRock Total Return V.I. Fund - Class I 04/20/ BlackRock U.S. Government Bond V.I. Fund - Class I 0/02/ BlackRock Value Opportunities V.I. Fund - Class I 04/20/ Davis Value Portfolio 07/0/ Federated Kaufmann Fund II - Primary Shares 04/0/ Federated Managed Tail Risk Fund II - Primary Shares 06/9/ Invesco V.I. American Franchise Fund - Series I Shares 07/0/ Invesco V.I. Comstock Fund - Series I 04/0/ Invesco V.I. Core Equity Fund - Series I Shares 0/02/ TALRPPR08 2 v7. 0//202
3 Portfolio ly Performance Adjusted Historical Average Annual Returns Without surrender charge & contract charge deducted as of 08//206 charge deducted as of 08//206 Portfolio to to MFS Growth Series - Initial Class 07/24/ PIMCO Total Return Portfolio - Administrative Class 2// TA Legg Mason Dynamic Allocation - Balanced - Service Class 0/0/ TA Legg Mason Dynamic Allocation - Growth - Service Class 0/0/ TA Managed Risk - Balanced ETF - Service Class, 0/0/ TA Managed Risk - Conservative ETF - Service Class, ± /9/ TA Managed Risk - Growth ETF - Service Class, 0/0/ TA Market Participation Strategy - Service Class 09/7/ TA PIMCO Tactical - Balanced - Service Class 0/0/ TA PIMCO Tactical - Conservative - Service Class 0/0/ TA PIMCO Tactical - Growth - Service Class 0/0/ TA QS Investors Active Asset Allocation - Conservative - Service Class, Ø 0/0/ TA QS Investors Active Asset Allocation - Moderate - Service Class, Ŧ 0/0/ TA QS Investors Active Asset Allocation - Moderate Growth - Service Class, Ω 0/0/ Portfolio BlackRock Government Money Market V.I. Fund - Class I - Account A Δ, Φ, Ψ BlackRock Government Money Market V.I. Fund - Class I - Account B Δ, Φ, Ψ 7-Day Current Yield 7-Day Effective Yield ly ly TALRPPR08 v7. 0//202
4 ly Performance to Average Annual Total Returns charge deducted as of 08//206 AB Global Thematic Growth Portfolio - Class A # 0/0/ AB Large Cap Growth Portfolio - Class A, 2/8/ American Century VP International Fund - Class I 0/0/ American Century VP Ultra Fund - Class I 0/0/ BlackRock Basic Value V.I. Fund - Class I 07/0/ BlackRock Capital Appreciation V.I. Fund - Class I 04/0/ BlackRock Global Allocation V.I. Fund - Class I 02/28/ BlackRock Global Opportunities V.I. Fund - Class I 06/0/ BlackRock High Yield V.I. Fund -Class I 02/2/ BlackRock International V.I. Fund - Class I 06// BlackRock Large Cap Core V.I. Fund - Class I 02/2/ BlackRock Large Cap Growth V.I. Fund - Class I 06/8/ BlackRock Large Cap Value V.I. Fund - Class I 0/0/ BlackRock S&P 00 Index V.I. Fund - Class I 2/8/ BlackRock Total Return V.I. Fund - Class I 02/2/ BlackRock U.S. Government Bond V.I. Fund - Class I 0/6/ BlackRock Value Opportunities V.I. Fund - Class I 02/2/ Davis Value Portfolio 04/0/ Federated Kaufmann Fund II - Primary Shares 0/0/ Federated Managed Tail Risk Fund II - Primary Shares 0/0/ Invesco V.I. American Franchise Fund - Series I Shares 04/27/ Invesco V.I. Comstock Fund - Series I 0/0/ Invesco V.I. Core Equity Fund - Series I Shares 2/8/ MFS Growth Series - Initial Class 2/8/ PIMCO Total Return Portfolio - Administrative Class 04/0/ TA Legg Mason Dynamic Allocation - Balanced - Service Class 0/0/ TA Legg Mason Dynamic Allocation - Growth - Service Class 0/0/ TALRPPR08 4 v7. 0//202
5 ly Performance to Average Annual Total Returns charge deducted as of 08//206 TA Managed Risk - Balanced ETF - Service Class, 0/0/ TA Managed Risk - Conservative ETF - Service Class, ± 0/0/ TA Managed Risk - Growth ETF - Service Class, 0/0/ TA Market Participation Strategy - Service Class 09/7/ TA PIMCO Tactical - Balanced - Service Class 0/0/ TA PIMCO Tactical - Conservative - Service Class 0/0/ TA PIMCO Tactical - Growth - Service Class 0/0/ TA QS Investors Active Asset Allocation - Conservative - Service Class, Ø 0/0/ TA QS Investors Active Asset Allocation - Moderate - Service Class, Ŧ 0/0/ TA QS Investors Active Asset Allocation - Moderate Growth - Service Class, Ω 0/0/ Day Current Yield 7-Day Effective Yield ly ly BlackRock Government Money Market V.I. Fund - Class I - Account A Δ, Φ, Ψ BlackRock Government Money Market V.I. Fund - Class I - Account B Δ, Φ, Ψ TALRPPR08 v7. 0//202
6 Performance Average Annual Total Returns charge deducted as of 06/0/206 to AB Global Thematic Growth Portfolio - Class A # 0/0/ AB Large Cap Growth Portfolio - Class A, 2/8/ American Century VP International Fund - Class I 0/0/ American Century VP Ultra Fund - Class I 0/0/ BlackRock Basic Value V.I. Fund - Class I 07/0/ BlackRock Capital Appreciation V.I. Fund - Class I 04/0/ BlackRock Global Allocation V.I. Fund - Class I 02/28/ BlackRock Global Opportunities V.I. Fund - Class I 06/0/ BlackRock High Yield V.I. Fund -Class I 02/2/ BlackRock International V.I. Fund - Class I 06// BlackRock Large Cap Core V.I. Fund - Class I 02/2/ BlackRock Large Cap Growth V.I. Fund - Class I 06/8/ BlackRock Large Cap Value V.I. Fund - Class I 0/0/ BlackRock S&P 00 Index V.I. Fund - Class I 2/8/ BlackRock Total Return V.I. Fund - Class I 02/2/ BlackRock U.S. Government Bond V.I. Fund - Class I 0/6/ BlackRock Value Opportunities V.I. Fund - Class I 02/2/ Davis Value Portfolio 04/0/ Federated Kaufmann Fund II - Primary Shares 0/0/ Federated Managed Tail Risk Fund II - Primary Shares 0/0/ Invesco V.I. American Franchise Fund - Series I Shares 04/27/ Invesco V.I. Comstock Fund - Series I 0/0/ Invesco V.I. Core Equity Fund - Series I Shares 2/8/ MFS Growth Series - Initial Class 2/8/ PIMCO Total Return Portfolio - Administrative Class TA Legg Mason Dynamic Allocation - Balanced - Service Class TA Legg Mason Dynamic Allocation - Growth - Service Class 04/0/2000 0/0/202 0/0/ TALRPPR08 6 v7. 0//202
7 Performance Average Annual Total Returns charge deducted as of 06/0/206 to TA Managed Risk - Balanced ETF - Service Class, TA Managed Risk - Conservative ETF - Service Class, ± 0/0/202 0/0/ TA Managed Risk - Growth ETF - Service Class, 0/0/ TA Market Participation Strategy - Service Class 09/7/ TA PIMCO Tactical - Balanced - Service Class 0/0/ TA PIMCO Tactical - Conservative - Service Class 0/0/ TA PIMCO Tactical - Growth - Service Class TA QS Investors Active Asset Allocation - Conservative - Service Class, Ø TA QS Investors Active Asset Allocation - Moderate - Service Class, Ŧ TA QS Investors Active Asset Allocation - Moderate Growth - Service Class, Ω 0/0/2009 0/0/202 0/0/202 0/0/ Day Current Yield 7-Day Effective Yield ly ly BlackRock Government Money Market V.I. Fund - Class I - Account A Δ, Φ, Ψ BlackRock Government Money Market V.I. Fund - Class I - Account B Δ, Φ, Ψ TALRPPR08 7 v7. 0//202
8 Ψ - 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. See the Prospectus and Statement of Additional Information for further details regarding calculations of yields. Φ - The BlackRock Government Money Market V.I. Fund is available through both Separate Account A and Separate Account B. In addition, the BlackRock Government Money Market V.I. Fund Separate Account B has a mortality and expense risk charge deducted daily at an annual rate of 0.6%. - This subaccount is closed to new investments. - The underlying funds of the investment options have different strategies and risks; please see the underlying funds prospectuses for a complete description of these strategies and risks for the available investment options. - Effective May, 20, AllianceBernstein Large Cap Growth Portfolio will be renamed AB Large Cap Growth Portfolio. # - Effective May, 20, AllianceBernstein Global Thematic Growth Portfolio will be renamed AB Global Thematic Growth Portfolio. Ŧ - Effective July, 20, TA Aegon Tactical Vanguard ETF Balanced subadvised by Aegon USA Investment Management, LLC will be renamed TA QS Investors Active Asset Allocation Moderate and subadvised by QS Investors, LLC Ø - Effective July, 20, TA Aegon Tactical Vanguard ETF Conservative VP subadvised by Aegon USA Investment Management, LLC will be renamed TA QS Investors Active Asset Allocation Conservative and subadvised by QS Investors, LLC Ω - Effective July, 20, TA Aegon Tactical Vanguard ETF Growth VP subadvised by Aegon USA Investment Management, LLC will be renamed TA QS Investors Active Asset Allocation Moderate Growth and subadvised by QS Investors, LLC - Effective July, 20, TA Vanguard ETF - Balanced subadvised by Aegon USA Investment Management, LLC will be renamed TA Managed Risk Balanced ETF and subadvised by Milliman Financial Risk Management, LLC ± - Effective July, 20, TA Vanguard ETF - Conservative subadvised by Aegon USA Investment Management, LLC will be renamed TA Managed Risk Conservative ETF and subadvised by Milliman Financial Risk Management, LLC - Effective July, 20, TA Vanguard ETF - Growth subadvised by Aegon USA Investment Management, LLC will be renamed TA Managed Risk Growth ETF and subadvised by Milliman Financial Risk Management, LLC Δ - Effective September, 20, BlackRock Money Market V.I. Fund - Class I, was renamed BlackRock Government Money Market V.I. Fund - Class I. Policy Form ML-VA-002, ML-VA-002FL, ML-VA-0OR and state variations thereof The investment objectives and policies of certain funds may be similar to those of other funds managed by the same investment advisor. No representation is made, and there can be no assurance given, that any fund s investment results will be comparable to the investment results of any other fund, including other funds with the same investment advisor or manager. The fund s investment results may be expected to differ from the results of such other funds due to differences such as portfolio size, investments held, contract and fund expenses and other factors. Investment results and principal value will fluctuate so that an investment may be worth more or less than its original cost. The performance data shown represents past performance, past performance should not be considered a representation of future performance. Current performance may be lower or higher than the performance shown. Transamerica Advisors Life Insurance Company is a Transamerica company and member of the Aegon Group. Merrill Lynch Retirement Plus is a registered service mark of Merrill Lynch & Co., Inc., under license to Aegon USA. Merrill Lynch Retirement Plus is a flexible premium variable annuity issued by Transamerica Advisors Life Insurance Company, Little Rock, AR. Merrill Lynch Retirement Plus was offered through Financial Advisors of Merrill Lynch, Pierce, Fenner & Smith Incorporated, 4 World Financial Center, New York, NY 080. Underwritten and distributed by Transamerica Capital, Inc. TALRPPR08 8 v7. 0//202
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