Why IUL?

Index universal life insurance (IUL) comes with built-in flexibility, allowing you to deliver creative solutions for clients from all walks of life. An IUL policy offers key benefits, including tax-deferred cash-value growth potential, downside protection, and the ability to preserve wealth for future generations. 

Transamerica Financial Foundation IUL II

Transamerica Financial Foundation IUL® II (FFIUL II)* can be customized for a variety of clients, with flexible rider options and premium payments that can be designed to fit most monthly budgets.

Transamerica Financial Choice IUL℠ II (FCIUL II)

Transamerica Financial Choice IUL II (FCIUL II)* may be an attractive option for high-earning clients who want to maximize systematic cash value accumulation and tax-free access to cash value.**

Two IULs, many possibilities

Recommending the right IUL policy for your clients starts with knowing your options. We’re proud to offer two IUL selections to help meet your clients’ needs — see the differences below.

FFIUL II

Life insurance designed for a wide variety of clients who value death benefit coverage, flexible riders, and traditional IUL benefits. 

Policy Form  #ICC24 TPIU12-0224 and TPIU12xx-0224. Form numbers may vary by jurisdiction. 

Funding Your Policy
Designed for those who want to pay a premium that fits within their monthly budget

Minimum Policy Amount
$25,000

Index Account Options

  • Global Index Account 
  • S&P 500® Index Account 
  • Basic S&P 500® Index Account (No IAMC) 
  • Balanced Uncapped Account

Loan Options
Conventional loans

Living Benefit Riders
Yes

FCIUL II

Life insurance designed for high earners who want to maximize cash value accumulation and receive tax-advantaged income distributions (not available in New York). 

Policy Form #ICC24 TPIU11-0224 or TPIU11xx-0224. Form numbers may vary by jurisdiction. 

Funding Your Policy
Designed for those with discretionary income who want to contribute more than their target premium 

Minimum Policy Amount
$250,000

Index Account Options

  • Fidelity Small-Mid Multifactor Index℠ Account 
  • S&P 500® Index Account 
  • S&P 500® Plus Index Account 
  • Balanced Uncapped Index Account 
  • Global Index Account 
  • Global Plus Index Account

Loan Options
Conventional loans and index loans

Living Benefit Riders
Yes

Our IUL II products are available in most states and jurisdictions except California and New York.

Frequently asked questions

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