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.

Index Universal Life

A truly flexible product, index universal life (IUL) 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 IUL products offer protection, growth potential, guarantees, and tax advantages through:
  • Competitive rate caps
  • 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
  • All new Concierge Planning RiderSM (Additional Services Rider) that offers funeral planning services

Whole Life

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.

Fixed Index Annuity

For clients pursuing retirement income for life, annuities could be a possible strategy. A fixed index annuity is designed to help clients protect their premium and any future interest earnings from market losses with the opportunity for growth potential.
The Transamerica Secure Retirement Index® Annuity (I and II) is built to help your clients retire with greater confidence, offering unique benefits including:
  • An initial premium enhancement2 to your clients' policy value and growth opportunities based on the positive performance of an index
  • Principal Protection: Premium and any future interest earnings are 100% protected from market losses
  • Lifetime Income: An optional lifetime benefit that, for an additional free, provides a guaranteed stream of retirement income your clients can't outlive
In order to sell the FIA products, you must meet the following criteria:
  • Possess an active life insurance license
  • Be appointed with Transamerica Life Insurance Company (TLIC)
  • Complete the NAIC annuity & Transamerica product trainings
    • Once you have completed the NAIC product training you must fax your NAIC certificate to 1-866-714-6242. If you've completed the NAIC training with another carrier, you do not have to do it again. Simply fax your certificate to us today to ensure we have it on file.
    • If you haven't completed the NAIC product or the Transamerica FIA training, visit to get started.
To get appointed with TLIC:
  • Log on to
  • Click Menu
  • Go to "Licensing & Appointments"
  • Click on the "Appointments," then "Carrier Appointments"
  • Click on "Annuities," then "Non-New York Annuity Carriers"
  • Click on the Transamerica Variable Annuities (P00375), then click "Start Electronic Appointment" (not available in NY and PR)
  • Complete all electronic forms (appointment paperwork and License Only Agreement) including signatures
  • You will not be authorized to write business until you are appointed with Transamerica Life Insurance Company and complete the NAIC and Transamerica product training courses.
  • For questions, email or call:, 770-246-9889

Term Life

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

Product Underwriting

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.

Grow Your Business

Growing your business isn't always easy — which is why we've included helpful resources on the next page. Manage your campaigns on the go, stay up to date with webinars, and get informed with the latest thought leadership.