Live your possibilities

When it comes to your clients' financial journeys, there are many ways to help them arrive at their ideal destination. Transamerica Financial Choice IULSM (FCIUL) has the options they need to carve their own path.

FCIUL is index universal life insurance designed for clients seeking choice and flexibility through tax-free* supplemental income via loans and withdrawals. FCIUL offers life insurance protection along with a variety of index account options and policy features to help maximize accumulation potential and access cash value.

Want to know if FCIUL is available in your state? See our State Availability Guide for the latest status.

Product toolkit

FCIUL's competitive advantage

We've prepared a competitive brochure to give you a closer look at how FCIUL compares in the marketplace. 

FCIUL product details

Want the rest of the story? Check out our detailed Agent Guide and Consumer Brochure for all things FCIUL.



FCIUL's five unique index account options

Learn more about FCIUL's index account options.

FCIUL & FFIUL differences 

Two IULs — countless possibilities. Use this comparison chart to help determine which is best for your client.

Product updates

FCIUL is now more competitive than ever. We’ve increased the maximum Critical Illness living benefit from $500K to $1.5M,* allowing clients to access a greater portion of their death benefit.

Starting August 17, agents appointed in California and the District of Columbia can give their clients tax-advantaged choice and flexibility with Transamerica Financial Choice IULSM.

Additional resources

Protection — and so much more — for individuals and businesses

Learn more and request an illustration

Call your dedicated Transamerica sales desk


Life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA. Not all products available in all­ jurisdictions.

Not available in MT, NC, GU, FL, LA, MD, NM, WA, PR, DC, IL, MS, OR, UT, VA, NY, or CA.