Index Universal Life Insurance
What is index universal life insurance?
Index universal life (IUL) insurance can be a great way to protect your loved ones and their financial well-being while building potential tax-advantaged cash value accumulation — all with downside protection. Plus, flexible premiums1 and optional living benefit riders for qualifying critical, chronic and/or terminal illnesses2,3 and flexibility for additional coverage options that allow you to customize your policy to fit your budget and protection needs.3 And streamlined underwriting means greater convenience, fewer exams, and faster coverage for you. Learn more about the benefits of IUL insurance and how to protect your legacy today.
What can index universal life insurance do for you?
Benefits of an IUL Policy
Life can be unpredictable — we'd do anything to help protect our family after we're gone. Index universal life insurance provides the death benefit protection you need with cash value growth potential. It also gives you the option to access your death benefit early in the event of a qualifying chronic, critical, or terminal illness. See how index universal life insurance is designed to help protect your legacy and your future.
The Transamerica Financial Choice IUL II SM (FCIUL II)
FCIUL II 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.
- When funded properly, FCIUL II offers tax-free* access to the policy’s available cash values, minimizing taxable income each year
- Offers a variety of index accounts and policy features to help maximize cash accumulation potential
- Helps manage tax exposure and market volatility on your financial assets
- Tax diversification/Roth IRA alternative**
- Available in most states and jurisdictions exept: California, Guam, New York and South Carolina.
The Transamerica Financial Foundation IUL II ® (FFIUL II)
A truly flexible option, Transamerica’s FFIUL II provides the death benefit associated with traditional life insurance plus the potential for policy value accumulation.
- Federal income tax-free* death benefit
- Policy value accumulation potential with basic interest account and index account options
- Guaranteed minimum interest rate, or “floor,” brings safety through guarantees**
- Tax benefits, including tax-free loans and withdrawals, tax deferral on any earnings, and tax-free transfers between account options*
- Available in most states and jurisdictions exept: California, Guam, New York and South Carolina.
Two IULs — Many Possibilities
Living your best life means knowing your options. That's why we're proud to offer two IUL selections to help meet your needs. What's the difference? See for yourself.
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 IndexSM 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
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 TPIU11xx-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
Our IUL II products are available in most states and jurisdictions except: California, Guam, New York and South Carolina.
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IMPORTANT INFORMATION
Important information regarding S&P 500® Index:
The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by the Company. Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the Company. This policy is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing such policy nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
Important information regarding EURO STOXX 50® Index:
The EURO STOXX 50® (Index Trademark) is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland (“STOXX”), Deutsche Börse Group or their licensors, which is used under license. This fixed indexed life product (“Licensed Product”) is neither sponsored nor promoted, distributed, or in any other manner supported by STOXX, Deutsche Börse Group, or their licensors, research partners, or data providers, and STOXX, Deutsche Börse Group and their licensors, research partners, or data providers do not give any warranty, and exclude any liability (whether in negligence or otherwise) with respect thereto generally or specifically in relation to any errors, omissions, or interruptions in the EURO STOXX 50® or its data.
Important information regarding the Hang Seng Index:
Please read the full disclaimer in the Transamerica Financial Choice IULSM policy regarding the Hang Seng Index in relation to the policy.
Important information regarding Fidelity SMID Multifactor IndexSM
The Fidelity Small-Mid Multifactor IndexSM 5% ER, also called the Fidelity SMID Multifactor IndexSM, (the “Index”) is a product of Fidelity Product Services LLC (“FPS”). It is a rules-based index that utilizes a dynamic asset allocation approach which blends multiple factors with the characteristics of stocks of small and mid-capitalization U.S. companies along with U.S. Treasuries, which may reduce volatility over time. Fidelity is a trademark of FMR LLC. The Index has been licensed for use by Transamerica Life Insurance Company (“the Company”) in connection with the Transamerica Financial Choice IULSM (“policy”). The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs, of the Company, the policy, or the policy owners. The policy is not sold, sponsored, endorsed, or promoted by FPS or any other party involved in, or related to, making or compiling the Index. The Company exercises sole discretion in determining whether and how the policy will be linked to the value of the Index. FPS does not provide investment advice to the policy owners, nor to any other person or entity with respect to the Index and in no event shall any policy owner be deemed to be a client of FPS.
Neither FPS nor any other party involved in, or related to, making, or compiling the Index has any obligation to continue to provide the Index to the Company with respect to the policy. Neither FPS nor any other party involved in, or related to, making, or compiling the Index makes any representation regarding the Index, Index information, performance, life insurance generally or the policy particularly.
FPS disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular purpose or use. FPS shall have no responsibility or liability whatsoever with respect to the policy.