Prospera™ FlexiGrowth Indexed Savings

Disclaimer:
The product details are at all times subject to the terms and conditions of your policy contract.

Prospera FlexiGrowth Indexed Savings (Policy Form No. IULS02 SG) is a savings-oriented indexed 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 this material relates are only available in Singapore.

In the event of the death of the Insured due to suicide during the first two Policy Years, the Death Benefit is limited to the return of premium(s) paid (less any Withdrawal, Policy Loan and Policy Loan interest due).
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 U.S. dollars. This information is current as of October 2025. 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. For further information, please contact Transamerica Life Bermuda’s distributors.

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

The policy contract for the product described in this Product Summary is prepared in English. In the event of any conflict or inconsistency between the contents of this Product Summary and the policy contract, the policy contract shall prevail. In the event of any conflict or inconsistency between the contents of the English and Chinese versions of this Product Summary, the English version of this Product Summary shall prevail.

Disclaimer of the S&P 500 Index and the S&P 500 Volatility Stabilizer 10% VT Intraday TCA 1.50% Decrement Index (USD) ER (“S&P 500 Volatility Stabilizer Index”)

The S&P 500 Index and the S&P 500 Volatility Stabilizer 10% VT Intraday TCA 1.50% Decrement Index (USD) ER (“S&P 500 Volatility Stabilizer Index”) are products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Transamerica Life (Bermuda) Ltd. (“Transamerica Life Bermuda”). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Transamerica Life Bermuda. It is not possible to invest directly in an index. ProsperaTM FlexiGrowth Indexed Savings (the “Product”) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices do not make any representation or warranty, express or implied, to the owners of the Product or any member of the public regarding the advisability of investing in securities generally or in the Product particularly or the ability of the S&P 500 Index and the S&P 500 Volatility Stabilizer Index to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices’ only relationship to Transamerica Life Bermuda with respect to the S&P 500 Index and the S&P 500 Volatility Stabilizer Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500 Index and the S&P 500 Volatility Stabilizer Index are determined, composed and calculated by S&P Dow Jones Indices without regard to Transamerica Life Bermuda or the Product. S&P Dow Jones Indices have no obligation to take the needs of Transamerica Life Bermuda or the owners of the Product into consideration in determining, composing or calculating the S&P 500 Index and the S&P 500 Volatility Stabilizer Index. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the Product. There is no assurance that investment products based on the S&P 500 Index and the S&P 500 Volatility Stabilizer Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisory, commodity pool operator, broker dealer, fiduciary, “promoter” (as defined in the Investment Company Act of 1940, as amended), “expert” as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. SPDJI provides indices that use environmental, social and/or governance (ESG) indicators (including, without limit, business involvement screens, conformance to voluntary corporate standards, GHG emissions data, and ESG scores) to select, weight and/or exclude constituents. ESG indicators seek to measure a company’s, or an asset’s performance, with respect to E, S and/or G criteria. ESG indicators are derived from publicly reported data, modelled data, or a combination of reported and modelled data. ESG indicators are based on a qualitative assessment due to the absence of well-defined uniform market standards and the use of multiple methodologies to assess ESG factors. No single clear, definitive test or framework (legal, regulatory, or otherwise) exists to determine labels such as, “ESG”, “sustainable”, “good governance”, “no adverse environmental, social and/or other impacts”, or other equivalently labelled objectives. Therefore, the exercise of subjective judgment is necessary. Different persons may classify the same investment, products and/or strategy differently regarding the foregoing labels.

NEITHER S&P DOW JONES INDICES NOR THIRD PARTY LICENSORGUARANTEES THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 INDEX AND THE S&P 500 VOLATILITY STABILIZER INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY TRANSAMERICA LIFE BERMUDA, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 INDEX AND THE S&P 500 VOLATILITY STABILIZER INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD-PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND TRANSAMERICA LIFE BERMUDA, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

Disclaimer of the Nasdaq-100 Index®
The Product is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Product. The Corporations make no representation or warranty, express or implied to the owners of the Product or any member of the public regarding the advisability of investing in securities generally or in the Product particularly, or the ability of the Nasdaq-100 Index to track general stock market performance. The Corporations' only relationship to Transamerica Life Bermuda (“Licensee”) is in the licensing of the Nasdaq®, Nasdaq-100 Index®; Nasdaq-100®; NDX®, and certain trade names of the Corporations and the use of the Nasdaq-100 Index which is determined, composed and calculated by Nasdaq without regard to Licensee or the Product. Nasdaq has no obligation to take the needs of the Licensee or the owners of the Product into consideration in determining, composing or calculating the Nasdaq-100 Index. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the Product to be issued or in the determination or calculation of the equation by which the Product is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product.

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF NASDAQ-100 INDEX OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE PRODUCT, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.