National Life Group vs Transamerica Premier Life Insurance
Comprehensive side-by-side comparison of indexed universal life insurance companies
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
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
Detailed Feature Comparison
| Feature | National Life Group | Transamerica Premier Life Insurance |
|---|---|---|
| Founded | 1848 | 1906 |
| Headquarters | Montpelier, Vermont | Cedar Rapids, Iowa |
| Assets Under Management | $45 billion | $131 billion Aegon USA |
| Years in IUL Business | 20+ years | 15+ years |
| Number of IUL Products | 3 | 2 |
| Typical Cap Rate Range | Not publicly disclosed - Not publicly disclosed | 9% - 12% |
| Participation Rates | Competitive market rates | 125% |
| Minimum Premium | $50,000 (FlexLife) | $3,600 annual |
| Issue Ages | 0-85 years | 18-90 years |
| Underwriting Speed | 2-4 weeks standard | 2-4 weeks |