EXHIBIT (d)(v)

Transamerica Financial Life Insurance Company

Home Office: [440 Mamaroneck Avenue, Harrison, NY 10528]

Contact us at [6400 C Street SW, Cedar Rapids, Iowa 52499]

[800-525-6205]

[www.transamerica.com]

DEFERRED INDEX-LINKED VARIABLE ANNUITY

GUARANTEED LIFETIME WITHDRAWAL BENEFIT

This rider is issued as a part of the policy to which it is attached. All provisions of the policy that do not conflict with this rider apply to this rider. In the event of any conflict between the provisions of this rider and the provisions of the policy, the provisions of this rider shall prevail over the provisions of the policy. There is no fee for this rider.

The purpose of the guaranteed living benefit provided under this annuity rider is to provide a stream of income payments to the Owner.

This rider provides a minimum withdrawal benefit that guarantees, upon election, a series of withdrawals from the policy equal to the Withdrawal Percentage shown in the Rider Data Specifications section applied to the Withdrawal Base. The Withdrawal Base is established for the sole purpose of determining the minimum withdrawal benefit and is not used in calculating the cash surrender value or other guaranteed benefits.

Rider Data Specifications

Designated Allocation Account(s): On Your Rider Withdrawal Start Date, all of Your Policy Value must be allocated to one or more of the Designated Allocation Account(s) (or any other option authorized for use with this rider). If Your Policy Value is currently allocated to a non-Designated Allocation Account(s), You must transfer into one or more Designated Allocation Account(s) and provide Your instructions for future reallocation prior to starting Your Withdrawals. You will be notified if there are any changes to the Designated Allocation Account(s). The Designated Investment Options available may change with prior approval of the New York State Department of Financial Services.

Guaranteed Lifetime Withdrawal Benefit: The Withdrawal Percentage is determined by using the Rider Year and the Attained Age and is used to determine the Rider Withdrawal Amount as described in Article II. The Withdrawal Percentages are shown in the table below:

Withdrawal Percentage

ARTICLE I

DEFINITIONS:

Terms used that are not defined in this rider shall have the same meaning as those in Your policy.

Designated Allocation Account(s)

On Your Rider Withdrawal Start Date, Allocation Account(s) authorized for use with this rider and identified by us as Designated Allocation Accounts.

Excess Withdrawal

The excess of a gross withdrawal over the Rider Withdrawal Amount remaining prior to the withdrawal, if any.

Income Declaration Date

The date You declare Your intent to start taking withdrawals. This date cannot be earlier than the Rider Anniversary following the younger of the living spouse’s birthday in which they attain the Minimum Benefit Age.

Rider Anniversary

The anniversary of the Rider Date for each year the rider remains in force. If a certain date does not exist in a given month, the first day of the following month will be used.

Rider Date

The date shown in the Rider Data Specifications section on which this rider becomes effective.

Rider Quarter

Each three-month period beginning on the Rider Date.

Rider Withdrawal Amount

The maximum amount that can be withdrawn from the policy each Rider Year without causing an Excess Withdrawal under the terms of this rider and thus reducing the Withdrawal Base.

Rider Withdrawal Start Date

The date of the first withdrawal after the Income Declaration Date.

Rider Year

Each twelve-month period following the Rider Date shown in the Rider Data Specifications section. The first Rider Year starts on the Rider Date. Each subsequent Rider Year starts on the Rider Anniversary.

Withdrawal Base

The amount used to calculate the Rider Withdrawal Amount. This amount has no cash value and cannot be taken as a lump sum.

ARTICLE II

GUARANTEED LIFETIME WITHDRAWAL BENEFIT

Under this rider, we guarantee that You can receive up to the Rider Withdrawal Amount each Rider Year, regardless of the Policy Value, (first as withdrawals from Your Policy Value and, if necessary, as payments from us) until the Annuitant’s or the Annuitant’s Spouse’s death, whichever is later. The Annuitant’s Spouse as of the Rider Date is hereafter referred to as the Annuitant’s Spouse. As it pertains to the benefits of this rider, the Annuitant’s Spouse cannot be changed. The Annuitant’s Spouse must be the sole primary beneficiary and/or joint Owner on the policy to which this rider is attached. The only natural Owners allowed on the policy to which this rider is attached are the Annuitant and the Annuitant’s Spouse. This rider requires the Annuitant to also be an Owner, except in the case of non-natural Owners. Such non-natural Owners must be established for the benefit of the Annuitant. Once this rider is issued the Annuitant cannot be changed, except when the underlying qualified policy is transferred pursuant to a divorce, or a surviving spouse continues the policy pursuant to the Continuation provision in Article III. In that event, this rider will continue during the life of the Annuitant provided the Annuitant remains an Owner. Upon divorce, the Annuitant and former spouse may also mutually agree to remove the former spouse as joint Owner or primary beneficiary and by doing so will forfeit any benefits for the former spouse.

Withdrawals will reduce the Policy Value and death benefit of the policy to which this rider is attached. If the Policy Value equals zero, You cannot make subsequent Premium Payments and all other policy features, benefits and guarantees are no longer available unless specified within this rider. Also, if the Policy Value equals zero and the rider remains in force, we will, unless instructed otherwise, make payments using the current payment instructions on file with us that are equal to the Rider Withdrawal Amount divided by the frequency of payments. If the younger of the Annuitant or Annuitant’s Spouse has attained the Minimum Benefit Age and a systematic payout option is not active at the time the Policy Value equals zero, a payout will be established. Unless instructed otherwise, the default payout frequency will be monthly, unless the amount does not meet the minimum systematic payout requirements in Your policy. If that occurs, we reserve the right to change the frequency and amount in order to meet the minimum systematic payout requirements. If the Minimum Benefit Age has not been attained, payments will begin on the Rider Anniversary following the attainment of the Minimum Benefit Age. Once the payment amount and frequency are established, they cannot be changed, and no additional withdrawals will be allowed. We have the right to reasonably require satisfactory evidence a person is alive if payment is based on that person being alive.

While this rider is in force, we will not invoke the Involuntary Cashout provision of the policy to which this rider is attached if this rider has a Withdrawal Base of $2,000 or greater.

Any Excess Withdrawal may impact the Withdrawal Base on a greater than dollar-for-dollar basis.

The Guaranteed Lifetime Withdrawal Benefit can only be taken as a withdrawal benefit, and it does not increase the Policy Value.

WITHDRAWAL PERCENTAGE

The Withdrawal Percentage is used to calculate the Rider Withdrawal Amount. The percentage is determined using the Rider Year and the Attained Age (age at last birthday) of the younger of the living spouses on the Income Declaration Date. The Withdrawal Percentages are shown in the table in the Rider Data Specifications section.

If the younger of the Annuitant and the Annuitant’s Spouse has not yet attained the Minimum Benefit Age on the Rider Date, the Withdrawal Percentage will be zero until the Rider Anniversary following the younger of the living spouse’s birthday in which they attain the Minimum Benefit Age. Withdrawals prior to age 59 ½ may be subject to the IRS 10% early withdrawal penalty.

RIDER WITHDRAWAL AMOUNT

Beginning on the Income Declaration Date, the Rider Withdrawal Amount available each Rider Year will be equal to the greater of (1) and (2), where:

If any of the above are not true, then 2) is equal to zero and it is not available as a Rider Withdrawal Amount for the Rider Year.

If You withdraw less than the Rider Withdrawal Amount in a Rider Year, the unused portion cannot be carried over to the next Rider Year.

Surrender Charges may apply if Your Rider Withdrawal Amount exceeds Your surrender charge-free amount.

WITHDRAWAL BASE

The Withdrawal Base is used to calculate the Rider Withdrawal Amount. On the Rider Date, the initial Withdrawal Base is equal to the Policy Value. During any Rider Year, the Withdrawal Base is increased by subsequent Premium Payments and is adjusted for Withdrawals.

WITHDRAWAL BASE ADJUSTMENTS

After the Income Declaration Date, gross withdrawals taken in any Rider Year that are less than or equal to the Rider Withdrawal Amount will not reduce the Withdrawal Base. Prior to the Income Declaration Date any withdrawal will be deemed to be an Excess Withdrawal. An Excess Withdrawal will reduce the Withdrawal Base by the greater of the amount of the Excess Withdrawal or an amount proportionate to the Policy Value, both evaluated immediately prior to the Excess Withdrawal.

The Withdrawal Base adjustment is the greater of (1) or (2), where:

ISSUE AGE AND SURVIVAL

The benefits under this rider depend on the Annuitant or Annuitant’s Spouse being alive at the time of withdrawal and the amount of the benefit depends on the Attained Age of the Annuitant and Annuitant’s Spouse. Reasonable proof of survival and the date of birth may be required by the Company.

If the younger of the spouses’ ages has been misstated, this rider’s benefits will be adjusted to the amounts which would have been calculated for the correct age. If withdrawals under the provisions of this rider have already commenced and the misstatement caused the Rider Withdrawal Amount to be overstated, any withdrawal in excess of the correct Rider Withdrawal Amount will be considered an Excess Withdrawal. As such it will impact the Withdrawal Base and Rider Withdrawal Amount. If overpayments occurred when the sum of the accumulated values in all the Allocation Account(s) was zero, the amount of that overpayment will be deducted from one or more future payments until this amount is paid in full.

However, if this rider would not have been issued had the age not been misstated, You will lose all of the benefits provided by this rider.

ARTICLE III

CONTINUATION

In the case of spousal joint Owners (or single spousal Owner who is the sole designated beneficiary) where one spouse is the Annuitant, if the spouse who is not the Annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and this rider. In the case of spousal joint Owners (or single spousal Owner who is the sole designated beneficiary) where one spouse is the Annuitant, if the spouse who is the Annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and this rider.

ANNUITIZATION

On the maximum Annuity Commencement Date, as described in Your policy, You will have the option to receive lifetime income payments that are no less than Your Rider Withdrawal Amount each year.

RIDER RESET

You may elect in a manner acceptable to us, to reset Your rider values by terminating the existing rider and immediately adding a new rider within [15] days following the [fifth] Rider Anniversary and every [fifth] Rider Anniversary thereafter, subject to any issue age restrictions for the new rider. Upon Rider Reset, a new rider with all the same features will be issued with a Rider Date set equal to the most recent Rider Anniversary Date and all values will be reset based upon the reset date. The new rider will have its own Withdrawal Percentages, which may not be the same as the prior rider. The Rider Withdrawal Amount will be recalculated based upon the new Withdrawal Base after You have established a new Income Declaration Date.

TERMINATION

This rider will terminate upon the earliest of:

Termination of the rider will result in the loss of all benefits provided by the rider.

REPORTS TO OWNER

We will give You a report at least once each Policy Year. Before You are eligible to receive the Rider Withdrawal Amount, the report will direct You to contact the Company for information regarding Your Rider Withdrawal Amount. After You are eligible for Your Rider Withdrawal Amount, this amount will be included in the report.

Signed for us at our home office.
[Jamie Ohl] [President]	[Andrew S. Williams] [Secretary]