Post-Effective Amendment to Registration Statement (Form POS EX)

File No. 333-281598

As filed with the Securities and Exchange Commission on March 27, 2026

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

Form N-4

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

(Check Appropriate Box or Boxes)

Transamerica Financial Life Insurance Company

(Name of Insurance Company)

6400 C Street SW

Cedar Rapids, IA 52499

(Address of Insurance Company's Principal Executive Offices) (Zip Code)

Insurance Company's Telephone Number, including Area Code: (319) 355-8511

Brian Stallworth, Esq.

Transamerica Financial Life Insurance Company

c/o Office of the General Counsel

6400 C Street SW

Cedar Rapids, IA 52499-4240

Telephone Number: (319) 355-8511

(Name, Address, including zip code, and telephone number, including area code, of Agent for Service)

Approximate Date of Proposed Public Offering: Continuously after the registration statement becomes effective.

It is proposed that this filing will become effective immediately upon filing pursuant to Rule 462(d) under the Securities Act of 1933, as amended.

Check each box that appropriately characterizes the Registrant:

☐ New Registrant (as applicable, a Registered Separate Account or Insurance Company that has not filed a Securities Act registration statement or amendment thereto within 3 years preceding this filing)

☐ Emerging Growth Company (as defined by Rule 12b-2 under the Securities Exchange Act of 1934 ("Exchange Act"))

☐ If an Emerging Growth Company, indicate by check mark if the Registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of Securities Act.

☒ Insurance Company relying on Rule 12h-7 under the Exchange Act

☐ Smaller reporting company (as defined by Rule 12b-2 under the Exchange Act)

EXPLANATORY NOTE

This Post-Effective Amendment No. 7 (this "Amendment") to the Post-Effective Amendment No. 5 to the Registration Statement on Form N-4 (File No. 333-281598) (the "Registration Statement") of Transamerica Financial Life Insurance Company is being filed pursuant to Rule 462(d) of the Securities Act of 1933, as amended (the "Securities Act"), solely to include Exhibit (o) with the Registration Statement. Accordingly, the Amendment consists only of a facing page, this explanatory note, and a supplement to Part C setting forth the addition of Exhibit (o) to the Registration Statements. The Amendment does not modify any other part of the Registration Statements, other than supplementing Item 27 of Part C as set forth below. Pursuant to Rule 462(d) of the Securities Act, the Amendment shall become effective immediately upon filing with the Securities and Exchange Commission. The contents of the Registration Statements are hereby incorporated by reference.