Index universal life insurance
Index universal life insurance
Protection meets growth potential
This page provides tools and resources for our index universal life solutions, Transamerica Financial Foundation IUL® (FFIUL) and Transamerica Financial Choice IULSM (FCIUL), along with rider information covering living benefits, long term care, and more.
IUL general resources
FCIUL and FFIUL comparison
Common IUL misconceptions
Why living benefits matter
What drives IUL policy performance
Transamerica Financial Foundation IUL® (FFIUL)
A truly flexible option, Transamerica’s FFIUL provides the death benefit associated with traditional life insurance plus the potential for policy value accumulation. A guaranteed minimum interest rate, or “floor” brings safety through guarantees, plus, clients can enjoy tax-free loans and withdrawals as well.
Concierge Planning RiderSM (CPR)
Concierge Planning Rider client flyer
Long Term Care Rider client brochure
Here are state-specific Long Term Care Rider materials to share with clients:
Tailored resources for your clients
To help you reach more clients, we’ve developed demographic-specific resources that speak to customers from all walks of life.
FFIUL consumer brochure – LGBTQ+ with photos
FFIUL consumer brochure – Native American
Transamerica Financial Choice IULSM (FCIUL)
FCIUL is index universal life insurance that offers death benefit protection while providing flexibility, policy value accumulation potential, and the opportunity for tax-advantaged supplemental income. It’s designed to help manage tax exposure and market volatility on a client’s financial assets and can be a useful vehicle for tax diversification.
FCIUL client resources
Additional life insurance resources
Transamerica offers a variety of life insurance solutions designed to help your clients protect what matters most. From term to whole life and final expense, these products are built to address a wide variety of needs.
Underwriting
Learn about our underwriting process and guidelines.
Term life
While there are many options out there, term life insurance is time-based, meaning clients can choose a specific amount of coverage for a specific amount of time (up to 30 years). This can be a great option for young families or those just starting their careers, as it's generally more affordable than permanent options.
Whole life and final expense
Transamerica LifetimeSM provides whole life guarantees that can be counted on, plus the ability to customize the policy to meet many needs. Transamerica’s final expense offerings provide a convenient way to protect loved ones.