Transamerica Premier Life Insurance vs National Life Group
Comprehensive side-by-side comparison of indexed universal life insurance companies
Transamerica Premier Life Insurance
Founded: 1906
Cedar Rapids, Iowa
Assets
$131 billion Aegon USA
IUL Experience
15+ years
Products
2
Avg Cap Rate
10.5%
Key Strengths
Transamerica subsidiary
Financial Foundation IUL II, Financial Choice IUL II
Issue ages 18-90
National Life Group
Founded: 1848
Montpelier, Vermont
Assets
$45 billion
IUL Experience
20+ years
Products
3
Avg Cap Rate
Competitive market rates
Key Strengths
Market leader with 17.4% market share
Lifetime Income Benefit Rider with 10-year waiting period
Industry-leading chronic illness rider
175+ years operating history
Mutual structure aligns with policyholder interests
Detailed Feature Comparison
| Feature | Transamerica Premier Life Insurance | National Life Group |
|---|---|---|
| Founded | 1906 | 1848 |
| Headquarters | Cedar Rapids, Iowa | Montpelier, Vermont |
| Assets Under Management | $131 billion Aegon USA | $45 billion |
| Years in IUL Business | 15+ years | 20+ years |
| Number of IUL Products | 2 | 3 |
| Typical Cap Rate Range | 9% - 12% | Not publicly disclosed - Not publicly disclosed |
| Participation Rates | 125% | Competitive market rates |
| Minimum Premium | $3,600 annual | $50,000 (FlexLife) |
| Issue Ages | 18-90 years | 0-85 years |
| Underwriting Speed | 2-4 weeks | 2-4 weeks standard |