Transamerica Premier Life Insurance vs Lincoln Financial (The Lincoln National Life Insurance Company)
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
Lincoln Financial (The Lincoln National Life Insurance Company)
Founded: 1905
Radnor, Pennsylvania
Assets
$321 billion in end-of-period account balances
IUL Experience
20+ years
Products
6
Avg Cap Rate
10.00%
Key Strengths
NEW Elite Indexed Universal Life Portfolio (2025)
New Multiplier Riders for enhanced performance
Dual IUL designs for different optimization approaches
120-year-old company
Serves 17 million customers
Detailed Feature Comparison
| Feature | Transamerica Premier Life Insurance | Lincoln Financial (The Lincoln National Life Insurance Company) |
|---|---|---|
| Founded | 1906 | 1905 |
| Headquarters | Cedar Rapids, Iowa | Radnor, Pennsylvania |
| Assets Under Management | $131 billion Aegon USA | $321 billion in end-of-period account balances |
| Years in IUL Business | 15+ years | 20+ years |
| Number of IUL Products | 2 | 6 |
| Typical Cap Rate Range | 9% - 12% | 9.50% - 10.50% |
| Participation Rates | 125% | 105% |
| Minimum Premium | $3,600 annual | $5,000 annual |
| Issue Ages | 18-90 years | 0-85 years |
| Underwriting Speed | 2-4 weeks | 2-4 weeks standard |