PRODUCTS

Transamerica Financial Choice IUL provides death benefit protection along with policy value accumulation potential. When funded properly, FCIUL offers tax-free access¹ to the policy’s available cash values, minimizing taxable income each year. 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 As long as the policy is not a modified endowment contract.

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.

Financial Choice IUL (FCIUL) Consumer Brochure

Personal Accumulation Strategy Flyer

High Net Worth Foreign National Flyer

Financial Choice IUL (FCIUL) Agent Guide

FCIUL vs FFIUL Differences Flyer

FCIUL Overview Flyer

FCIUL Spec Sheet

FCIUL Competitive Comparisons Flyer

FCIUL CA/DC State Availability Webinar Deck

FCIUL Toolkit

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.

Transamerica Lifetime Client Guide

Final Expense Client Guide

Final Expense Agent & Underwriting Guide (all states except NY and VI)

Final Expense Agent & Underwriting Guide (NY and VI only)

Transamerica Lifetime Agent Guide

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

Consumer Guide to Transamerica Term Life Insurance

Consumer Guide to Transamerica Trendsetter Super

Consumer Guide to Transamerica Trendsetter LB

Trendsetter LB Sales Comparison Flyer

Guide to Transamerica's Income Protection Option

Monthly Disability Income Rider Flyer

Trendsetter Term Life Guide for Insurance Professionals

Term Conversion Guide 

Trendsetter Advanced Premiums

eDelivery Flyer

eDelivery FAQ

Right Price, Right Time Trendsetter Super Flyer

Monthly Disability Income Rider: Occupational Listing

Nonmedical FAQ

Term and IUL Underwriting Guide excluding CA, FL, GU, NY, SC, and SD

Life Insurance (IUL & Term) Underwriting Guide

LTC Rider Underwriting Brochure

Underwriting Tips, FAQ and Common Impairment Guide

FFIUL 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

Lifetime Whole Life Underwriting Guide Brochure

Consumer Guide to Underwriting Process

Underwriting Guidelines for Nicotine and Marijuana

Expanded Nonmedical Underwriting Flyer

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/

Non-resident HNWFN Guidelines:

English

Resident and Foreign Travel HNWFN Guidelines:

2023 ITIN Enhancements Flyer

Resident Foreign Nationals Travel Guidelines

Foreign National Individual Taxpayer Identification Number Guidelines

Foreign Nationals Consumer Guide

Guide to US Estate And Gift Taxation for Foreign Nationals