Ameritas Life vs Transamerica Premier Life Insurance
Comprehensive side-by-side comparison of indexed universal life insurance companies
Ameritas Life
Founded: 1887
Lincoln, Nebraska
Assets
$20 billion
IUL Experience
3+ years
Products
4
Avg Cap Rate
9.5%
Key Strengths
Offers 4+ IUL products
Growth IUL, FLX IUL, Ethos IUL (partnership)
Instant underwriting (launched Sept 2023 with Ethos)
Transamerica Premier Life Insurance
Founded: 1906
Cedar Rapids, Iowa
Assets
$131 billion Aegon USA
IUL Experience
15+ years
Products
2
Avg Cap Rate
10.5%
Key Strengths
Transamerica subsidiary
Financial Foundation IUL II, Financial Choice IUL II
Issue ages 18-90
Detailed Feature Comparison
| Feature | Ameritas Life | Transamerica Premier Life Insurance |
|---|---|---|
| Founded | 1887 | 1906 |
| Headquarters | Lincoln, Nebraska | Cedar Rapids, Iowa |
| Assets Under Management | $20 billion | $131 billion Aegon USA |
| Years in IUL Business | 3+ years | 15+ years |
| Number of IUL Products | 4 | 2 |
| Typical Cap Rate Range | 8% - 11% | 9% - 12% |
| Participation Rates | 115% | 125% |
| Minimum Premium | $3,600 annual | $3,600 annual |
| Issue Ages | 0-85 years | 18-90 years |
| Underwriting Speed | Instant to 3 weeks | 2-4 weeks |