Financial Foundation IUL: 12.00% (S&P 500)

Transamerica Life Insurance Company

Financial Strength A+
IUL Experience 20 years
Policy Portfolio 2 products

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Founded

1904

Assets

$223 billion in premiums in force; $29.5 billion AUM

AM Best

A+

Participating

150%

Financial Strength Ratings

AM Best A+

S&P Not disclosed

Moody's Not disclosed

Product Benchmarks

Typical Cap Range

Min: 9.50% | Max: 14.00% | Current average: 12.00%

Participation Rates

Min: 100% | Max: 200% | Current average: 150%

Typical Fees

Coi range: Moderate | Admin fee: Standard | Premium load: Standard

About Transamerica Life Insurance Company

High cap rates (12% on flagship product)

Uncapped options with high participation rates

Superior living benefits offerings

12.5 million insurance policies in force

Over 120 years of history

Licensed in all 50 states and D.C.

Company Profile

Headquarters

Cedar Rapids, Iowa

Founded

1904

Years in IUL

20 years

Assets Under Management

$223 billion in premiums in force; $29.5 billion AUM

Minimum Premium

$3,600 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks standard

Website

www.transamerica.com

Financial Ratings

AM Best A+

S&P Not disclosed

Moody's Not disclosed

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Transamerica Life Insurance Company

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Financial Foundation IUL II

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Sp500: 12.00% | Global plus index: 14.00%

Floor Protection 0%%

Participation Fidelity small mid: Up to 200% uncapped

Minimum Premium $3,600 annual

Issue Ages 0-85

12% flagship cap rate
200% uncapped participation available
Superior living benefits
Index options: S&P 500, Fidelity Small-Mid Multifactor, Global Plus Index

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IUL Policy

Financial Choice IUL II

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Standard: 9.50%

Floor Protection 0%%

Minimum Premium $3,600 annual

Issue Ages 0-85

9.50% cap
120+ years company history
Index options: S&P 500, Multiple index options

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Personalized Planning

Map Out Your Transamerica Life Insurance Company Strategy

Partner with fiduciary-aligned specialists to benchmark Transamerica Life Insurance Company against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

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Frequently Asked Questions

Transamerica Life Insurance Company currently offers 2 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Transamerica Life Insurance Company maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Financial Foundation IUL: 12.00% (S&P 500) | Financial Choice IUL: 9.50% | Global Plus Index: 14.00% | Up to 200% uncapped participation on Fidelity Small-Mid Multifactor Index