Transamerica Premier Life Insurance vs F&G (Fidelity & Guaranty 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
F&G (Fidelity & Guaranty Life)
Founded: 1959
Des Moines, Iowa
Assets
$40 billion
IUL Experience
10+ years
Products
2
Avg Cap Rate
9.5%
Key Strengths
LIMRA Q2 2024: Top IUL provider ranking
Competitive historical performance
Quick policy delivery
Juvenile IUL specialty (15 days to 17 years)
Living benefits: accelerated death benefits
Detailed Feature Comparison
| Feature | Transamerica Premier Life Insurance | F&G (Fidelity & Guaranty Life) |
|---|---|---|
| Founded | 1906 | 1959 |
| Headquarters | Cedar Rapids, Iowa | Des Moines, Iowa |
| Assets Under Management | $131 billion Aegon USA | $40 billion |
| Years in IUL Business | 15+ years | 10+ years |
| Number of IUL Products | 2 | 2 |
| 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 | 15 days to 85 years |
| Underwriting Speed | 2-4 weeks | Some immediate delivery or within 24 hours |