Transamerica Premier Life Insurance vs Nationwide
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
Nationwide
Founded: 1926
Columbus, Ohio
Assets
$140 billion
IUL Experience
18+ years
Products
4
Avg Cap Rate
10.25%
Key Strengths
Fortune 100 company (#72 in 2025)
Pioneer of Volatility Control Index movement
Industry-leading participation rates
Lowest cost of insurance charges in industry
Cap rates reaching 25% on certain strategies
Detailed Feature Comparison
| Feature | Transamerica Premier Life Insurance | Nationwide |
|---|---|---|
| Founded | 1906 | 1926 |
| Headquarters | Cedar Rapids, Iowa | Columbus, Ohio |
| Assets Under Management | $131 billion Aegon USA | $140 billion |
| Years in IUL Business | 15+ years | 18+ years |
| Number of IUL Products | 2 | 4 |
| Typical Cap Rate Range | 9% - 12% | 6.00% - 25.00% |
| Participation Rates | 125% | 250% |
| 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 |