IMPORTANT INFORMATION ABOUT CDAs
Contingent Deferred Annuities (CDAs) can play an important role in your retirement plan, but they are not for everyone. Before investing, you and your Aria representative should discuss aspects that affect the appropriateness for your situation, including cost, investment timeframe and other retirement assets you may have. An Aria registered representative can help you determine whether this annuity may be appropriate for you.

IMPORTANT INFORMATION ABOUT RETIREONE TRANSAMERICA II
The RetireOne Transamerica II solution requires an investor’s holdings to remain fully invested in certain specific investments (“Eligible Assets”).
It does not guarantee Eligible Asset performance or against a loss of principal. Ownership of the Eligible Assets on which the guarantee is based remains with the investor and can be accessed at any time, but withdrawals in excess of those permitted under the certificate terms will diminish or eliminate future guarantees. If the investor’s Covered Asset Value is depleted to zero by other than Excess Withdrawals, Transamerica Advisors Life Insurance Company makes payments based solely on its claims-paying ability, provided that the purchaser honors the terms of the annuity.

The annuity has no cash value, surrender value or death benefit. You may never receive the benefits available under the annuity, because the Eligible Assets may perform well enough that it is never reduced to zero.

The annuity will terminate and no benefit payments will be made if 1) withdrawals are made in excess of those permitted, which reduces the Coverage Base or Coverage Amount to zero; 2) the annuity Certificate Fee is not paid; 3) assets are not allocated exclusively to Eligible Assets; or 4) Covered Asset Pool composition requirements are not met. See prospectus for more information on termination of the annuity. Reallocation and investment performance may change your Investment Profile and Certificate Fee

FEES
The Eligible Funds initial Certificate Fee is based on the Investment Profile and Fee Option selected and ranges from 0.80%-2.35%. The Eligible Strategy initial Certificate Fee is based on the Fee Option selected and ranges from 0.95%-1.60%.

All fees are assessed quarterly. If an Automatic Step-Up occurs, the current Certificate Fee Percentage in effect at the time of the step-up will be applicable, which could lead to an increase or decrease in your Certificate Fee. The Certificate Fee Percentage can increase by no more than 0.75%. These fees are in addition to any charges that are imposed in connection with advisory and other services or charges (including sales loads or brokerage commissions) imposed by or in connection with the Eligible Assets in which you are invested as well as any fees that apply if used with your Account.
The fee structure is as follows:

FEE OPTIONS
The Fee Options determine the method for paying your Certificate Fee and Advisory Fee(Annual Fee Allowance). The Annual Fee Allowance is the total applicable Certificate Fee and/or Advisory Fee that may be withdrawn each Certificate Year without such withdrawals being considered an Excess Withdrawal.
Option 1 – The Certificate Fee is based on the aggregate value of the Covered Assets and is deducted from a separate cash account established with the Financial Institution.
Option 2 and 3 – The Certificate Fee is based on the Coverage Base and is deducted from a separate cash account established with the Financial Institution. The Advisory Fee is based on and deducted from the Covered Assets. The percentage is up to the maximum of either 1% or 1.5%, depending on the Fee Option.
Option 4 – The Certificate Fee is based on the Coverage Base and is deducted from the Covered Assets.
Option 5 and 6 – The Certificate Fee is based on the Coverage Base and is deducted from the Covered Assets. The Advisory Fee is based on and deducted from the Covered Assets. The percentage is up to the maximum of either 1% or 1.5%, depending on the Fee Option.

CERTIFICATE FEE REDUCTIONS
The Certificate Fee may be reduced by no more than 0.10% if 100% of the Covered Asset Pool is invested in a predefined group of Eligible Funds. The fee reduction associated with the Eligible Fund group may be introduced, discontinued or revised at any time.
The Certificate Fee is reduced by 0.05% for net Certificate Contributions (aggregate Certificate Contributions less Excess Withdrawals) of $500,000 or higher.

TAXATION
Wrapping a custodial account with RetireOne Transamerica II does not impact the taxation of distributions from that custodial account. If and when that custodial account is depleted, benefit payments from Transamerica would be subject to ordinary income taxes.

OTHER IMPORTANT INFORMATION
The guaranteed lifetime payments are backed by the claims-paying ability of Transamerica Advisors Life Insurance Company. They are not backed by any other entity, including the administrator, the broker/dealer from which this annuity is purchased or any affiliates of those entities. In addition, none make any representations or guarantees regarding the claims-paying ability of Transamerica Advisor Life Insurance Company. Guarantees do not apply to the mutual funds or ETFs.

The RetireOne Transamerica II annuity is issued by Transamerica Advisors Life Insurance Company, Little Rock, AR and is underwritten by Transamerica Capital, Inc. The annuity may not be available in all states or markets. Features and benefits may vary by state and market. In some states the annuity is issued as an individual contract instead of a group certificate. Certificate Form SALB2-CERT-0513 and Contract Form SALB2-IC-0513 (may vary by state).

Annuities may lose value and are not bank deposits, are not FDIC insured, and are not insured or endorsed by a bank or any government agency.

A current prospectus for this product should either precede or accompany this material. Investors should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the product and should be read carefully before investing.