Pacific Life vs Transamerica Life Insurance Company
Comprehensive side-by-side comparison of indexed universal life insurance companies
Pacific Life
Founded: 1868
Newport Beach, California
Assets
$239 billion
IUL Experience
20+ years
Products
12
Avg Cap Rate
8.50%
Key Strengths
Second largest by market share with 38% YoY growth
Fortune 500 company (#282)
$1.5 trillion life insurance in force
8 consecutive years World's Most Ethical Companies
Innovation leader in IUL space
Transamerica Life Insurance Company
Founded: 1904
Cedar Rapids, Iowa
Assets
$223 billion in premiums in force; $29.5 billion AUM
IUL Experience
20+ years
Products
2
Avg Cap Rate
12.00%
Key Strengths
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
Detailed Feature Comparison
| Feature | Pacific Life | Transamerica Life Insurance Company |
|---|---|---|
| Founded | 1868 | 1904 |
| Headquarters | Newport Beach, California | Cedar Rapids, Iowa |
| Assets Under Management | $239 billion | $223 billion in premiums in force; $29.5 billion AUM |
| Years in IUL Business | 20+ years | 20+ years |
| Number of IUL Products | 12 | 2 |
| Typical Cap Rate Range | 7.50% - 9.00% | 9.50% - 14.00% |
| Participation Rates | 125% | 150% |
| Minimum Premium | $5,000 annual | $3,600 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard, 48 hours accelerated available | 2-4 weeks standard |
Pacific Life IUL Policies
Pacific Discovery Xcelerator IUL 2
Cap Rate: 7.50% with uncapped 10.00% threshold option
Floor: 0%
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