Advisor s Edge Variable Annuity Product Guide Effective July 1, 2015

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1 Advisor s Edge Variable Annuity Product Guide Effective July 1, 2015 Advisor s Edge Product Guide Annuities issued by Transamerica Premier Life Insurance Company Cedar Rapids, IA. Annuities are underwritten and distributed by Transamerica Capital, Inc. References to Transamerica may pertain to one or all of these companies. VPSEA0515 7/2015

2 Advisor s Edge Highlights Summary Information Only See prospectus for more details. See opposite panel for features available. Issue Age Minimum Premium Surrender Charges Death Benefit Options Mortality & Expense Risk Fee & Administrative Charges (M&E&A) M&E&A is deducted daily and is equal to the percentage of the subaccounts annually annuitant and owner. Nonqualified: $10,000, $500 subsequent. Qualified: $1,000, $25 subsequent. No surrender charges during the accumulation phase. If the Life with Emergency Cash annuity payment option is chosen, the maximum surrender charge is 4% during the annuitization phase. May not be available in all states. Policy Value: 0.55%. Return of Premium: 0.60%. Annual Step-Up: 0.75%. Issue age (See opposite panel for more details.) The M&E&A after annuitization is 0.55% annually. Additional Features (Please see prospectus for details.) Investment Options Automatic Asset Rebalancing Dollar Cost Averaging Variable and Fixed Annuitization Options Spousal Continuation 41 subaccounts from 22 money managers. Underlying portfolio expenses will apply. One- and multi-year guaranteed period options (GPOs) available. May vary by state. Annual Service Charge $30 (waived if premium less withdrawals or policy value equals or exceeds $50,000). For federal tax purposes, married same-sex individuals are recognized as spouses. The IRS has adopted a rule providing that the term spouse does not include an individual who has entered into a registered domestic partnership, civil union, or other similar relationship. The status of these relationships for state purposes may vary based on the applicable state law. Transamerica intends to administer variable annuity contracts consistent with the IRS rulings until further notice. Please contact a qualified tax advisor prior to purchasing to discuss how exercising spousal continuation benefits under this contract or any riders will affect you for both federal and state tax purposes. Please see prospectus for more details. Variable annuities are long-term tax-deferred vehicles designed for retirement purposes. They offer three main benefits: tax-deferred treatment of earnings, guaranteed death benefit options, and guaranteed lifetime payout options.

3 Additional Features of Advisor s Edge Withdrawal Information One hundred percent (100%) of cash value may be withdrawn free of surrender charges. Withdrawals of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, a 10% federal tax penalty may apply. Withdrawals can either be taken out as a fixed dollar amount or a fixed percentage. Systematic withdrawals available. Minimum amount is $50. Minimum amount in NJ is $40. Lump sum withdrawals subject to $500 minimum. Withdrawals taken from the guaranteed period options (GPOs) in excess of cumulative earnings may be subject to an excess interest adjustment (not applicable in all states). Purchase Payment Policy Value Death Benefit Option: For issue ages under 80, the total of all premium payments may not exceed $2,000,000 without our prior approval. For issue ages over 80, the total of all premium payments may not exceed $1,000,000 without our prior approval. Return of Premium and Annual Step-Up Death Benefit Options: For issue ages under 80, the total of all premium payments may not exceed $1,000,000 without our prior approval. For issue ages over 80, the total of all premiums payments may not exceed $500,000 without our prior approval. Transamerica Premier Life reserves the right to refuse any premium payment. Varies by state. Transfers Twelve free transfers per policy year ($10 fee per transfer thereafter). Transfer out of the guaranteed period option (GPO) without excess interest adjustments by notifying Transamerica Premier Life Insurance Company 30 days prior to end of GPO. See the prospectus for more detailed information. Death Benefit Options The policy owner selects, at the time of purchase, one of the following three death benefit options: 1) Policy Value or Cash Value = The greater of the policy value, cash value, or minimum required cash value as of the date we receive due proof of death and election of a method of settlement. Annual 0.55% (M&E&A), assessed daily. 2) Return of Premium = Premiums paid less any adjusted partial withdrawals as of the date of death. Annual 0.60% (M&E&A), assessed daily. 3) Annual Step-Up = Highest policy value on the issue date or any policy anniversary, plus premiums, and less adjusted partial withdrawals that occur after the anniversary with the highest value. Step-ups stop at age 81. Issue age Annual 0.75% (M&E&A), assessed daily. Death benefits are only effective prior to annuitization and are subject to other conditions. Death benefit proceeds are taxable to the beneficiary. The adjustments due to partial withdrawals will reduce the death benefit amount in direct proportion, or dollar for dollar, to the percentage the policy value was reduced, assuming the policy value is less than the death benefit value. This can increase the amount deducted from the death benefit to be more than the amount withdrawn. Before investing, consider the variable annuity s investment objectives, risks, charges, and expenses. Call ARIA (2742) for a contract and prospectus containing this information. Read it carefully. All guarantees are subject to the claims-paying ability of Transamerica Premier Life Insurance Company. Variable annuities are subject to investment risk, including possible loss of principal. The policy value, death benefit, and other values will fluctuate based on the performance of the investment options and may be worth more or less than the total of all premiums paid when surrendered.

4 Advisor s Edge Variable Annuity Subaccounts by Category Asset Allocation* Portfolio Expenses TA Asset Allocation Conservative Initial Class u 0.86% TA Asset Allocation Growth Initial Class u 1.07% TA Asset Allocation Moderate Growth Initial Class u 0.96% TA Asset Allocation Moderate Initial Class u 0.89% TA Managed Risk Balanced ETF Initial Class u 0.43% TA Managed Risk Growth ETF Initial Class u 0.43% Foreign Stock DFA: VA International Small Portfolio 0.59% DFA: VA International Value Portfolio 0.46% TA Clarion Global Real Estate Securities Initial Class u 0.90% TA MFS International Equity Initial Class u 1.02% TA TS&W International Equity Initial Class u 0.89% Vanguard International Portfolio 0.46% Wanger International 1.05% Small Cap Growth Columbia Variable Portfolio Small Company Growth Fund Class % TA T. Rowe Price Small Cap Initial Class u 0.82% Wanger USA 0.96% Small Cap Blend TA Systematic Small/Mid Cap Value Initial Class u 0.85% Small Cap Value DFA: VA U.S. Targeted Value Portfolio 0.39% Fidelity VIP Value Strategies Portfolio Initial Class 0.68% Vanguard REIT Index Portfolio 0.27% Mid Cap Growth Fidelity VIP Mid Cap Portfolio Initial Class 0.64% TA Morgan Stanley Mid-Cap Growth Initial Class u 0.88% Mid Cap Blend Vanguard Mid-Cap Index Portfolio 0.24% WFAVT Small Cap Value Fund 1.15% Large Cap Growth Fidelity VIP Contrafund Portfolio Initial Class 0.63% TA Multi-Managed Balanced Initial Class u 0.76% TA WMC US Growth Initial Class u 0.70% Large Cap Blend Federated Managed Tail Risk Fund II Primary Shares 1.05% TA JPMorgan Enhanced Index Initial Class u 0.81% Vanguard Equity Index Portfolio 0.16% Large Cap Value DFA: VA U.S. Large Value Portfolio 0.27% Federated Managed Volatility Fund II 1.05% TA Barrow Hanley Dividend Focused Initial Class u 0.71% Fixed Income DFA: VA Global Bond Portfolio 0.25% DFA: VA Short-Term Fixed Portfolio 0.27% Federated Fund for U.S. Government Securities II 0.76% Federated High Income Bond Fund II Primary Shares 0.77% TA PIMCO Total Return Initial Class u 0.71% Vanguard Short-Term Investment-Grade Portfolio 0.20% Vanguard Total Bond Market Index Portfolio 0.19% Cash Federated Prime Money Fund II 0.67% Expenses shown are those of the underlying portfolio in which the subaccounts invests. Subaccount names may vary from their corresponding portfolio names. Please see the contract prospectus for portfolio names. Total portfolio management fees and other expenses, less any waiver reductions listed in the prospectus, for fiscal year *Includes acquired fund fees and expenses of underlying funds. Category information supplied by the money managers as of May 1, u See more information on the following page.

5 The investment options listed are available for purchase through Advisor s Edge. These investment options are not the same as certain mutual funds with similar names that are sold directly to the public. Even though the investment subaccounts and the mutual funds with similar names may have similar or the same investment objectives, policies, and/or managers, their investment performance will be different. u All TA Investment options are held within the Transamerica Series Trust Initial Class, which is an investment advised by Transamerica Asset Management, Inc. The following are some of the risks that may be associated with the Advisor s Edge Variable Annuity subaccounts. Please see the contract prospectus and underlying fund prospectus for the specific risks associated with each subaccounts. The ability of the fund to achieve its objective depends largely on the performance of the underlying fund in which it invests. Each underlying fund s performance, in turn, depends on the particular securities in which that underlying fund invests. Total expenses associated with the fund may be higher than with other mutual funds. Asset allocation, an investing strategy of dividing money among many types of investments, can help investors manage risk but cannot guarantee a profit or guard against loss. A portfolio that concentrates all or large portion of its assets in a single economic sector or geographic region, or that lacks diversity, is inherently subject to greater volatility. This fund s investment strategy is intended to smooth out investment performance spikes. Performance gains may not be as strong as might be available in benchmark indices or comparable funds not using volatility controls. An investment in money market portfolios is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market portfolios seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in these portfolios. Securities rated below investment grade generally entail greater market, credit, and liquidity risks than investment grade securities. Investing in real estate poses certain risks related to overall and specific economic conditions, credit risk, and interest rate fluctuations, as well as risks related to an individual property due to extended vacancies and uninsured damage losses from natural disasters. Risks of a portfolio may be greater due to the smaller size of the companies in which it invests. The small company stocks tend to be more volatile and less liquid than general equity markets. Investing internationally, globally, or in emerging markets exposes investors to additional risks and expenses such as changes in currency rates, foreign taxation, and differences in auditing and other financial standards not associated with investing domestically. Please keep in mind that a U.S.-backed Government Fund guarantee applies only to the timely payment of principal and interest and does not remove market risks when shares are redeemed. Exchange traded funds (ETFs) generally present the same risks as an investment in a conventional fund that has the same investment objectives, strategies, and policies. The market price of an ETF s shares may be above or below the shares net asset value, and an active trading market for an ETF s shares may not develop or be maintained. As with all investment options, the underlying portfolio pays commissions and trading fees when it buys and sells securities and may be illiquid due to limited trading. In addition, investors pay management fees of the ETFs in which the underlying portfolio invests. Vanguard, the ship logo, and Vanguard ETFs are trademarks of The Vanguard Group. Vanguard is the manager of the underlying ETFs in the TA Vanguard ETF Index investment options.

6 About Transamerica Premier Life Insurance Company Transamerica Premier Life Insurance Company backs the guarantees provided by the Advisor s Edge Variable Annuity and manages its guaranteed fixed account options. Existing Advisor s Edge clients, please call Financial advisors and prospective clients, please call ARIA (2742). All policies, riders, and forms may vary by state, and may not be available in all states. AV , Florida AV , Oregon AV , RGMD (OR), RGMD (OR), RGMD , RGMD Transamerica Capital, Inc.

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