PRODUCTS
Same great products, new and improved iGO® e-App*. This enhanced experience reduces the number of touches between you and the client after the application has been submitted thanks to more responsive questions upfront. Some policies have seen app cycle time take as few as 8 to 14 days!*Available in all states excluding CA, FL, NY, SC, and SD.
Life Solutions
Life is always changing, and so are your clients' needs. That's why we offer a wide range of life insurance solutions — from permanent protection, to term choices, multiple rider options, and much more. For a better understand of which states our products and riders can be sold in, download the state availability guides.
Transamerica Financial Foundation IUL® (FFIUL)
Overview
A truly flexible product, the FFIUL combines the death benefit of traditional life insurance with the potential to accumulate cash value over time. With both domestic and global index account options, your clients are guaranteed minimum interest rates and no exposure to market declines.
Our FFIUL product offers protection, growth potential, guarantees, and tax advantages through:
- Competitive cap rates
- Two index account options
- Guaranteed1 minimum interest rates and a no lapse guarantee
- Optional Long Term Care Rider, Living Benefit Riders, and Income Protection Option
- Concierge Planning RiderSM (Additional Services Rider) that offers funeral planning services
Guarantees are based on the claims paying ability of the issuing company.
Client Guides
FFIUL with Concierge Planning Rider-Benefit Client Guide
(Not for Use in AK, GA, KS, MD, MI, MN, MT, NY, OR, PA, PR, SD, VA, WA)
Long Term Care (LTC) Rider Client Brochure:
- All Other States LTC Rider
- California LTC Rider
- Arizona LTC Rider
- Montana LTC Rider
- Florida LTC Rider
- New York LTC Rider
Concierge Planning Rider Consumer Flyer
Concierge Planning Benefit Consumer Flyer – California and Florida Only
New York (TFLIC) - FFIUL Client Guide
FFIUL Index Accounts At-A-Glance
Additional Client Material:
The Mechanics of the S&P 500® Index Account
New York - The Mechanics of the S&P 500® Index Account
The Mechanics of the Global Index Account
Agent Guides
Sales Strategy
Transamerica Financial Choice IUL℠ (FCIUL)
Overview
Transamerica Financial Choice IUL provides death benefit protection while along with value accumulation potential. When funded properly, FCIUL offers tax-free access1 to the policy’s available cash values, minimizing taxable income. It offers a variety of index account options and policy features to help maximize policy value accumulation potential and may help manage their overall tax exposure. Please refer to the life product state availability flyer for more information.
- A diverse mix of index account options which include, high or uncapped index rates, and buy-up options. These diverse strategies focus on different markets, assets, geographies, and objectives.
- Access to policy cash value though a choice of conventional – standard and preferred after ten years – or index loans2
- A simple and transparent Persistency Credit3 that designed to help boost growth potential regardless of account allocations
1 The company reserves the right to change participation rates and/or add/modify cap rates in the future
2 Preferred loans available in year 10. Index loans available after five years. The company reserves the right to discontinue index loans at any time and convert existing index loans to conventional loans
3 The Persistency Credit is a discretionary credit that may or may not be paid.
Client Guide
Agent Guide
Sales Strategies
Whole Life
Overview
Whole life polices provide protection for your clients' entire lifetime (provided premiums are paid). Premiums stay level throughout their life and are generally paid annually. A whole life insurance policy can build cash value on a tax-deferred basis.
Transamerica Lifetime whole life insurance combines the best features of permanent life insurance protection and optional living benefit riders. Coverage options range from $25,00 to $2,000,000.
Transamerica's Final Expense Solution Portfolio offers a guaranteed death benefit and level premium whole life insurance from $1,000 to $50,000 for people of varying health levels and lifestyles. Final Expenses coverage is underwritten on a simplified issue basis without any waiting period, subject to qualification.* Premiums are guaranteed level and payable during the life of the insured.
*For applicants who do not qualify, Transamerica reserves the right to require full underwriting.
Client Guides
Term Life
Overview
Give your clients the power of choice: Our term life insurance policies offer term periods ranging from 10 to 30 years — helping your clients obtain the right amount of protection for the right amount of time.
Transamerica's Trendsetter® Series combines the benefits of term life insurance with a range of options to suit a variety of client needs. They consist of Trendsetter®Super and Trendsetter® LB (Living Benefits), and include:
- Term coverage for 10, 15, 20, 25, or 30 years
- Industry-low face amounts at only $25,000
- Competitive premiums
- Non-med underwriting options for face amounts up to $249,999
- Simplified underwriting and living benefit options
Client Guides
Product Underwriting
Product Underwriting
Term and IUL Underwriting Guide excluding CA, FL, NY, SC, and SD
New iGO e-App and Underwriting FAQ
Life Insurance (IUL & Term) Underwriting Guide
Long Term Care Rider Underwriting Brochure
Underwriting Tips, FAQ and Common Impairment Guide
Transamerica Financial Foundation IUL® Juvenile Coverage Guidelines
Final Expense Agent & Underwriting Guide (all states except CA, NY, VI)
Final Expense Agent & Underwriting Guide (CA, NY, VI only)
Final Expense Real-Time Decisions and Improvements Flyer
Transamerica Lifetime Whole Life Underwriting Guide Brochure
Consumer Guide to Underwriting Process
What if your client is not a US resident?
Foreign National Business
We live in a world that demands to be explored, and your clients are doing just that. But whether they're living abroad, or simply expanding their horizons, many of them have ties to the U.S.
Handing down wealth from one generation to the next is an important part of financial planning, no matter where you live. For foreign nationals who have assets in the U.S., life insurance coverage could be an essential part of their estate planning solution.
For more information on foreign national business and how we can help please visit our Foreign National microsite Transamerica.com/foreign-nationals/
Resources
Non-resident HNWFN Guidelines:
Resident and Foreign Travel HNWFN Guidelines:
Resident Foreign Nationals Travel Guidelines
Foreign National Individual Taxpayer Identification Number Guidelines
Insurance 101
You know how rewarding it can be to help protect families. But there's a lot of knowledge agents are expected to keep track of, like policy provisions, tax considerations, and more. To help you stay on top of everything and be the most effective agent you can, we've provided the materials below.
Term vs. Permanent Insurance
Guideline and Cash Value
Target and Minimum No-Lapse Premiums
7-Pay Premiums and Modified Endowment Contracts
Level, Increasing, and Graded Death Benefit Options
For agent use only. Not for use with the public.
1. Guarantees are based on the claims paying ability of the issuing company.
2.The premium enhancement is not intended to reimburse surrender charges on an annuity replacement.