Transamerica And Our Insurance Brokerage System Has To Offer!
Whether your goal is to insure your
family during your working years, accumulate policy cash value, or
protect against future medical costs and estate taxes, Transamerica
has the product that fits you. And every product carries the most
valuable feature you can find - the comfort of knowing that the
company underwriting your insurance has received consistently high
ratings for financial strength from the industry's leading rating
Transamerica Life Insurance Company (TALIC) is a part of Dutch
insurance giant AEGON. TALIC, began operations in 1961, is part of
the AEGON USA group of companies. The company provides individual
and group life insurance and annuities, as well as accident and
health insurance, supplemental Medicare, long-term care, and illness
coverage. The company is licensed to provide insurance in all US
states except New York, and in Washington DC. Its products are
distributed through agents and brokers, as well as via direct
Consistently high ratings are a direct reflection of the care with
which we manage our business. Transamerica's life insurance
subsidiaries have received high ratings from the industry's most
respected independent rating services.
Transamerica Insurance Brokerage Products
When it comes to protecting your loved ones and planning for the
future, Transamerica understands that one size does not fit all.
That's why we offer a full range of insurance brokerage products
designed to fit you at every stage of your life.
Term life insurance and its insurance brokerage affiliates helps to
provide peace of mind for you and your family. It also helps you
protect the assets you've worked so hard to attain. And all this
security reaches up to 30 years into the future, at guaranteed level
premiums that are competitively priced today. The Trendsetter®
Super Series policies offer valuable protection for your family or
business partnership with attractive premiums.
Flexibility of payments, tax-deferred cash value accumulation, and
coverage options (subject to contract requirements) are the primary
advantages over term insurance. Because of these advantages,
universal life can be used in estate planning and retirement
planning, offering the policy owner a variety of options.
Variable Universal Life
Variable universal life insurance offers you the protection
of life insurance with the investment advantages of professionally
managed money. Consider a variable universal life insurance product
if you want the benefits of life insurance with tax-deferred growth
and federal income tax-free transfer of the death benefit to your
An investment in the sub-account investment options is subject to
market risk, and an investor may experience a loss of principal or a
reduced death benefit. The available investment options are not the
same funds as their publicly available mutual funds with similar
Life insurance under which coverage is intended to remain in
force during the Insured's entire lifetime, generally to age 95 or
100, providing premiums are paid as specified in the policy. A whole
life insurance policy can build cash value on a tax-deferred basis.
Both the premiums to pay and the cash values that result are
predetermined and found in the policy contract. The cash value is an
amount of money available to the policy owner for policy loans or as
the surrender value if the policy is canceled and returned to the
Survivorship insurance - sometimes referred to as
second-to-die insurance provides a death benefit that can be used to
help pay estate taxes.
Fixed rate annuities offer a fixed interest rate guaranteed by the
claims-paying ability of an insurance company for a specified period
of time – fixed annuities provide a guaranteed minimum interest
rate, no matter what happens in the financial markets. This makes a
fixed annuity less volatile than most stocks or other equity
investments. Transamerica Life Insurance Company (Transamerica) has
a variety of fixed annuities to offer policyholders with a variety
of premium, interest crediting, living benefit and distribution
Indexed annuities offer an interest rate that is linked to a market
index. The market index is one factor, that together with any cap,
determines the "excess" interest, if any, to be credited under the
annuity. Indexed annuities do not invest in the stock market or any
stock index fund. Their return varies more than a fixed annuity, but
not as much as a variable annuity. Generally, indexed annuities
offer greater protection of principal than variable annuities, due
to the ability to "lock in" periodic interest credits. Indexed
annuities with interest crediting formulas tied to the stock market
have the potential to earn higher interest rates than traditional
fixed annuities when the stock market is rising. Depending on the
performance of the index, indexed annuities may not earn any
interest in a given policy year or years, but policy values will not
decrease solely due to poor market performance.
Variable annuities offer a fluctuating rate of return, based on the
performance of sub-accounts which are selected by the annuity owner.
Variable annuities are subject to market fluctuations, investment
risk and possible loss of principal due to fluctuating market
conditions and at the time of distribution, your annuity may be
worth more or less than the total of all premiums paid. Variable
annuity costs generally include a mortality and expense risk fee,
administrative charge, annual contract fee, and sub-account charge.
Financial Protection in New York, Too!
Transamerica Financial Life Insurance Company, Purchase, NY, is
proud to bring New Yorkers quality financial protection with
universal and term life insurance policies. With individual and
survivorship universal life policies, as well as term policies (10,
15, 20, or 30 years), you'll find financial protection that meets
your specific needs.