Transamerica Premier Life Insurance vs Ameritas Life
Comprehensive side-by-side comparison of indexed universal life insurance companies
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
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)
Detailed Feature Comparison
| Feature | Transamerica Premier Life Insurance | Ameritas Life |
|---|---|---|
| Founded | 1906 | 1887 |
| Headquarters | Cedar Rapids, Iowa | Lincoln, Nebraska |
| Assets Under Management | $131 billion Aegon USA | $20 billion |
| Years in IUL Business | 15+ years | 3+ years |
| Number of IUL Products | 2 | 4 |
| Typical Cap Rate Range | 9% - 12% | 8% - 11% |
| Participation Rates | 125% | 115% |
| Minimum Premium | $3,600 annual | $3,600 annual |
| Issue Ages | 18-90 years | 0-85 years |
| Underwriting Speed | 2-4 weeks | Instant to 3 weeks |