Disclaimers

Opera One (Policy Form No. VUL01 BM) is a variable universal life insurance policy underwritten and issued by Transamerica Life (Bermuda) Ltd., a company incorporated in Bermuda. Policies to which these materials relate are only available in Bermuda. Insurance eligibility and premiums are subject to underwriting. In the event of suicide within two years from the later of the Policy Issue Date, the Reinstatement Effective Date and the date of issue of the new policy under the Insured Exchange Option (if applicable), we will not pay the Death Benefit. We will only return the premiums you paid for the policy, less any Withdrawal amount, any Terminal Illness Benefit paid and any cost incurred by the Underlying Investment.

This publication serves only as an overview and is not an offer to sell or a solicitation to buy any of Transamerica Life Bermuda’s products. It is provided for informational purposes only and should not be construed as financial, tax or legal advice. Clients and other interested parties should seek independent financial, tax and legal advice. All cases studies and other illustrations or examples given in this publication are for informational and illustrative purposes and do not predict future performance. The actual premiums, charges and benefits are dependent on factors, including the insured’s age, gender, risk class, smoking status, and country of residence. All monetary values reflected in these materials are in U.S. dollars. This information is current as of August 2026.

Clients and other interested parties should refer to the policy contract for detailed terms and conditions. Although care is taken in preparing this material, Transamerica Life Bermuda disclaims any express or implied warranty as to the accuracy of the content and any liability with respect to it. For further information, please contact Transamerica Life Bermuda’s distributors.

The policy contract for the product described in this publication is prepared in English. In the event of any conflict or inconsistency between the contents of this publication and the policy contract, the policy contract shall prevail. Unless otherwise stated, capitalised terms in this publication shall have the same meanings as defined in the policy contract.

Disclaimers

Opera One (Policy Form No. VUL01 SG) is a variable universal life insurance policy underwritten and issued by Transamerica Life (Bermuda) Ltd., Singapore Branch, a company incorporated in Bermuda with a registered address in Singapore. It is also licensed and regulated by the Monetary Authority of Singapore (MAS). Policies to which these materials relate are only available in Singapore.

This publication serves only as an overview and is not an offer to sell or a solicitation to buy any of Transamerica Life Bermuda’s products. It is provided for informational purposes only and should not be construed as financial, tax or legal advice. Customers and other interested parties should seek independent financial, tax and legal advice. All monetary values reflected in these materials are in US dollars. This information is current as of August 2026. Customers and other interested parties should refer to the policy contract for detailed terms and conditions. Although care is taken in preparing this material, Transamerica Life Bermuda disclaims any express or implied warranty as to the accuracy of the content and any liability with respect to it.

You, together with your financial adviser representative or asset manager (if applicable), should ensure that the assets selected as the underlying investments of the policy suit your needs, objectives, and risk tolerance. You own the policy and choose the assets linked to it. Transamerica Life Bermuda does not provide investment advice, guarantee returns, or take responsibility for investment performance. While you retain discretion over your investment strategy, the underlying investments are owned by Transamerica Life Bermuda, and you do not have legal or beneficial ownership of them. As an investment-linked life insurance policy, the Policy Value is directly tied to the performance of the underlying investments and the income accruing to the underlying investment, if any, may fall or rise. All investments involve risks, and you should understand the associated risks, such as currency risk for assets denominated in foreign currencies or liquidity risk. There is no guarantee or warranty on the protection of the principal sum invested, and you may lose part or all of your investment.

A product summary in relation to the policy is available. A copy of the product summary may be obtained from Transamerica Life Bermuda's authorised distributors. You should read the product summary before deciding whether to purchase the product.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Transamerica Life Bermuda or visit the Life Insurance Association of Singapore or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

The policy contract for the product described in this publication is prepared in English. In the event of any conflict or inconsistency between the contents of this publication and the policy contract, the policy contract shall prevail. Unless otherwise stated, capitalised terms in this publication shall have the same meanings as defined in the policy contract.