Transamerica Structured Index Advantage Income Annuity
Transamerica Structured Index Advantage Income Annuity
About Product
TSIA Income is an income registered index-linked annuity (RILA) that seeks to provide protected, non-reducing income for life. It offers opportunities to grow your investment and income, and to protect them in down markets. With cost-efficient fees and no explicit fee options, safeguards, and the flexibility to evolve with today’s challenges, TSIA Income can help reduce risks as you plan your financial future.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 2-Year Fidelity World Factor Leaders Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Biennial
|
10%
Performance triggered
|
| 6-Year First Trust Equity Edge Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
6-Year
|
30%
Performance triggered
|
| 1-Year iShares U.S. Technology ETF Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Annual
|
5%
Performance triggered
|
| 2-Year iShares U.S. Technology ETF Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Biennial
|
10%
Performance triggered
|
| 6-Year iShares U.S. Technology ETF Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
6-Year
|
30%
Performance triggered
|
| 1-Year iShares Russell 2000 ETF Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Annual
|
5%
Performance triggered
|
| 2-Year iShares Russell 2000 ETF Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Biennial
|
10%
Performance triggered
|
| 6-Year iShares Russell 2000 ETF Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
6-Year
|
30%
Performance triggered
|
| 1-Year Fidelity World Factor Leaders Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Annual
|
5%
Performance triggered
|
| 6-Year Fidelity World Factor Leaders Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
6-Year
|
30%
Performance triggered
|
| 1-Year S&P 500 Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Annual
|
5%
Performance triggered
|
| 2-Year S&P 500 Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Biennial
|
10%
Performance triggered
|
| 6-Year S&P 500 Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
6-Year
|
30%
Performance triggered
|
| 2-Year First Trust Equity Edge Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Biennial
|
10%
Performance triggered
|
| 1-Year First Trust Equity Edge Triple Edge Advantage with 10% Buffer |
Triple Edge Advantage
Annual
|
5%
Performance triggered
|
| 6-Year Fidelity World Factor Leaders Index Best Entry Cap with 10% Buffer |
Best Entry (3 observation days)
6-Year
|
65%
Cap
|
| 6-Year S&P 500 Best Entry Cap with 10% Buffer |
Best Entry (3 observation days)
6-Year
|
60%
Cap
|
| 6-Year Fidelity World Factor Leaders Index Best Entry Cap with 10% Buffer with Fee |
Best Entry (6 observation days)
6-Year
|
70%
Cap
|
| 6-Year S&P 500 Best Entry Cap with 10% Buffer with Fee |
Best Entry (6 observation days)
6-Year
|
75%
Cap
|
| 2-Year First Trust Equity Edge PTP Cap with 10% Buffer |
Point to Point
Biennial
|
250%
Cap
|
| 1-Year Fidelity World Factor Leaders Index PTP Cap with 10% Buffer |
Point to Point
Annual
|
11.5%
Cap
|
| 1-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Annual
|
14%
Cap
|
| 1-Year iShares Russell 2000 ETF PTP Cap with 10% Buffer |
Point to Point
Annual
|
19.5%
Cap
|
| 1-Year iShares U.S. Technology ETF PTP Cap with 10% Buffer |
Point to Point
Annual
|
17%
Cap
|
| 1-Year S&P 500 PTP Cap with 15% Buffer |
Point to Point
Annual
|
11%
Cap
|
| 1-Year Fidelity World Factor Leaders Index PTP Cap with 15% Buffer |
Point to Point
Annual
|
9.5%
Cap
|
| 1-Year iShares Russell 2000 ETF PTP Cap with 15% Buffer |
Point to Point
Annual
|
15.5%
Cap
|
| 1-Year iShares U.S. Technology ETF PTP Cap with 15% Buffer |
Point to Point
Annual
|
13.5%
Cap
|
| 1-Year First Trust Equity Edge PTP Cap with 10% Buffer |
Point to Point
Annual
|
15.5%
Cap
|
| 1-Year First Trust Equity Edge PTP Cap with 15% Buffer |
Point to Point
Annual
|
12%
Cap
|
| 2-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
Biennial
|
|
| 6-Year iShares Russell 2000 ETF PTP Participation Rate with 15% Buffer with Fee |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year First Trust Equity Edge PTP Participation Rate with 15% Buffer with Fee |
Point to Point
6-Year
|
125%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with 15% Buffer with Fee |
Point to Point
6-Year
|
100%
Participation
|
| 6-Year Fidelity World Factor Leaders PTP Participation Rate with 15% Buffer with Fee |
Point to Point
6-Year
|
110%
Participation
|
| 6-Year S&P 500 PTP Cap with 10% Buffer |
Point to Point
6-Year
|
85%
Cap
|
| 6-Year S&P 500 PTP Cap with 20% Buffer |
Point to Point
6-Year
|
60%
Cap
|
| 6-Year Fidelity World Factor Leaders PTP Cap with 10% Buffer |
Point to Point
6-Year
|
90%
Cap
|
| 6-Year Fidelity World Factor Leaders PTP Cap with 20% Buffer |
Point to Point
6-Year
|
75%
Cap
|
| 6-Year iShares Russell 2000 ETF PTP Cap with 20% Buffer |
Point to Point
6-Year
|
75%
Cap
|
| 6-Year iShares Russell 2000 ETF PTP Cap with 10% Buffer |
Point to Point
6-Year
|
100%
Cap
|
| 6-Year iShares U.S. Technology ETF PTP Cap with 20% Buffer |
Point to Point
6-Year
|
65%
Cap
|
| 6-Year iShares U.S. Technology ETF PTP Cap with 10% Buffer |
Point to Point
6-Year
|
90%
Cap
|
| 6-Year First Trust Equity Edge PTP Cap with 20% Buffer |
Point to Point
6-Year
|
115%
Cap
|
| 6-Year First Trust Equity Edge PTP Cap with 10% Buffer |
Point to Point
6-Year
|
125%
Cap
|
| 6-Year iShares U.S. Technology ETF PTP Participation Rate with 15% Buffer with Fee |
Point to Point
6-Year
|
100%
Participation
|
| 2-Year S&P 500 PTP Cap with 15% Buffer |
Point to Point
Biennial
|
|
| 2-Year S&P 500 PTP Cap with 15% Buffer with Fee |
Point to Point
Biennial
|
|
| 2-Year Fidelity World Factor Leaders Index PTP Cap with 10% Buffer |
Point to Point
Biennial
|
150%
Cap
|
| 2-Year Fidelity World Factor Leaders Index PTP Cap with 15% Buffer with Fee |
Point to Point
Biennial
|
|
| 2-Year Fidelity World Factor Leaders Index PTP Cap with 15% Buffer |
Point to Point
Biennial
|
45%
Cap
|
| 2-Year iShares Russell 2000 ETF PTP Cap with 15% Buffer |
Point to Point
Biennial
|
38%
Cap
|
| 2-Year iShares Russell 2000 ETF PTP Cap with 15% Buffer with Fee |
Point to Point
Biennial
|
80%
Cap
|
| 2-Year iShares Russell 2000 ETF PTP Cap with 10% Buffer |
Point to Point
Biennial
|
50%
Cap
|
| 2-Year iShares U.S. Technology ETF PTP Cap with 15% Buffer |
Point to Point
Biennial
|
30%
Cap
|
| 2-Year iShares U.S. Technology ETF PTP Cap with 15% Buffer with Fee |
Point to Point
Biennial
|
46%
Cap
|
| 2-Year iShares U.S. Technology ETF PTP Cap with 10% Buffer |
Point to Point
Biennial
|
40%
Cap
|
| 2-Year First Trust Equity Edge PTP Cap with 15% Buffer with Fee |
Point to Point
Biennial
|
|
| 2-Year First Trust Equity Edge PTP Cap with 15% Buffer |
Point to Point
Biennial
|
80%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 8% | 7% | 6% | 5% | 4% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| Death Benefit rider (ages 0-70) | Yes | |
| Death Benefit rider (ages 71-80) | Yes | 0.50% annually |
| Income Advantage with Step-Up Benefit (Single) | No | 1.45 |
| Income Advantage with Step-Up Benefit (Joint) | No | 1.55 |
| Income Advantage | No | |
| Enhanced death benefit rider (ages 0-65) | Yes | 0,35 |
| Enhanced death benefit rider (ages 66-75) | Yes | 0,35 |
Waivers
Hospital
Unavailable in states: CA
After the policy issue date, you may withdraw all or part of the policy value if you or your spouse were to be confined to a hospital or nursing facility for 30 consecutive days or diagnosed with a terminal condition with less than one year to live (a minimum withdrawal of $1,000 applies).
Nursing Home
Unavailable in states: CA
After the policy issue date, you may withdraw all or part of the policy value if you or your spouse were to be confined to a hospital or nursing facility for 30 consecutive days or diagnosed with a terminal condition with less than one year to live (a minimum withdrawal of $1,000 applies).
Terminal Illness
Unavailable in states: CA
After the policy issue date, you may withdraw all or part of the policy value if you or your spouse were to be confined to a hospital or nursing facility for 30 consecutive days or diagnosed with a terminal condition with less than one year to live (a minimum withdrawal of $1,000 applies).
Unemployment
Unavailable in states: CA, and OR
Allows for withdrawals from your policy under certain conditions due to termination, layoff, or other involuntary job loss. A $5,000 minimum cash value is required at time of surrender. Minimum withdrawal of $1,000.
Premium Notes
Minimum Subsequent Premiums: $5,000
Maximum Subsequent Premiums: Lesser of $60,000 or IRS contribution limit (qualified), $25,000 (nonqualified)
Allocation Amounts
Initial Allocation Account Level: $1,000
Subsequent Allocation Account Level: $1,000
Withdrawal Provisions
Withdrawal AmountThe surrender charge-free amount each policy year is equal to the greater of 10% of the total premium payments, less any withdrawals taken in the same policy year or the earnings, plus premiums that have reached the end of the surrender charge period. Earnings may be withdrawn anytime, free of surrender charges. Withdrawals from the Fixed Holding Account are not permitted until all other Account Options have been depleted of value. Minimum withdrawal amount is $500.Systematic PayoutMonthly, quarterly, semiannual, or annual withdrawals ($50 minimum)
- A.M. Best A
- S&P A+
- Moody's A1
- Comdex 84
