Standard Insurance Company vs Transamerica Life Insurance Company
Comprehensive side-by-side comparison of indexed universal life insurance companies
Standard Insurance Company
Founded: 1906
Portland, Oregon
Assets
$20 billion
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Focuses on group disability and employee benefits
7.5M customers
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 | Standard Insurance Company | Transamerica Life Insurance Company |
|---|---|---|
| Founded | 1906 | 1904 |
| Headquarters | Portland, Oregon | Cedar Rapids, Iowa |
| Assets Under Management | $20 billion | $223 billion in premiums in force; $29.5 billion AUM |
| Years in IUL Business | 0+ years | 20+ years |
| Number of IUL Products | 0 | 2 |
| Typical Cap Rate Range | N/A - N/A | 9.50% - 14.00% |
| Participation Rates | N/A | 150% |
| Minimum Premium | N/A | $3,600 annual |
| Issue Ages | N/A | 0-85 years |
| Underwriting Speed | N/A | 2-4 weeks standard |