Underwriting
Underwriting
No one likes surprises when they're writing business. Tools that empower you with knowledge to set the right expectation and build trust with your clients are crucial to your success. On this page you'll find valuable resources that offer insight into our underwriting process, helping ensure a smoother, more transparent path to policy approval.
General resources
Tap into these resources to gain a better understanding of our underwriting philosophy, what sets us apart from other carriers, and general guidelines that apply across all of our products.
IUL and term guidelines
Help improve your overall new business submission experience by using these materials covering our term and index universal life products, as well as our digital underwriting capabilities.
IUL and term underwriting guide (excluding CA, FL, GU, SC, and SD)
IUL and term underwriting guide (for CA, FL, GU, SC, and SD only)
Expanded nonmedical underwriting flyer
Expanded nonmedical underwriting guidelines FAQ
Long Term Care Rider underwriting brochure
Long Term Care Rider underwriting guide FAQ
With the Transmatch program, individuals who’ve been approved as Standard or better in the past 12 months by a company on our list of approved carriers may be eligible for a Transamerica term or IUL policy with a comparable rate class or better.
Whole life and final expense guidelines
Easy for you, easy for them. Help get your clients faster coverage thanks to our straightforward underwriting approach with our whole life and final expense solutions.
FE agent and underwriting guide (all states except NY and VI)
FE agent and underwriting guide (NY and VI only)
Final expense real-time decisions and improvements flyer
Lifetime underwriting guide
More agent and client resources
Life insurance could be the most important purchase families ever make. From term to index universal life — and nearly everything in between — our solutions are designed to fit most circumstances. Because everyone deserves to live their best life. Conveniently access additional client and agent insurance resources here.
Foreign nationals
Learn about our foreign national program and how our experience in this space can help you reach these clients.
Index universal life insurance
Death benefit protection plus cash value accumulation potential. Learn more about our diverse IUL options.
General product information
Review state availability charts for our products and riders along with other essential resources to help connect with clients.