Transamerica

Financial Overview

High Industry Ratings

Financial Strength Ratings for Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company.

A.M. Best

Moody's

Fitch

Standard & Poor's

Transamerica Life Insurance Company

A+

A1

AA-

AA-

Transamerica Financial Life Insurance Company

A+

A1

AA-

AA-


Ratings reflect the opinion of the relative financial strength and operating performance of the company as of the following effective dates. A.M. Best Company, Fitch, Moody’s and Standard & Poor’s are credit rating organizations dedicated to serving the insurance and other financial services industries.

A.M. Best Company: April 27, 2011
Moody's Investors Service: August 12, 2011
Fitch Ratings: November 21, 2011
Standard & Poor's: August 19, 2011

A.M. Best's A+ rating is the second highest of 16 ratings, Standard & Poor's AA- rating is the fourth highest of 21 ratings, Moody's A1 rating is the fifth highest of 21 ratings and Fitch's AA- rating is the fourth highest of 19 ratings.

Financial Strength

The following figures are for Transamerica Life Insurance Company (TLIC), and Transamerica Financial Life Insurance Company (TFLIC) as of December 31, 2011.

($ US Millions)

TLIC

TFLIC

Life Insurance In Force

$1,213,000

$276,000

Assets1

$102,718

$25,478

Liabilities2

$96,717

$24,684

Total Capital & Surplus2

$6,001

$794


1 Based on Statutory Accounting Principles

2 Liabilites and Capital and Surplus exclude the Asset Valuation Reserve

The above figures are reported on a statutory basis, as prescribed by the National Association of Insurance Commissioners. The assets of the parent company, holding company, or company combinations are not available to pay the claims of individual policies and contracts issued by the insurance companies.

Transamerica Life Insurance Company, Cedar Rapids, IA 52499, and Transamerica Financial Life Insurance Company, Harrison, NY 10528, are part of the AEGON Insurance companies.

Transamerica Financial Life Insurance Company is authorized to conduct business in New York. Transamerica Life Insurance Company are authorized to conduct business in all other states.

EBM 396 0512