Insurance Brokerage America offers spreadsheet quotes from most of the top rated life insurance brokerage companies and pays general agent commissions! Are you a licensed agent wanting to earn general agent brokerage commissions from most of the top rated brokerage companies?  Learn More About This Brokerage Opportunity >>



See What Transamerica And Our Insurance Brokerage System Has To Offer!

Transamerica Agent Appointment Forms   Transamerica insurance brokerage offers a wide range of products and services designed to fit your client.

Find agent contracting forms here

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 marketing efforts.

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.

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 agencies.

Transamerica Insurance Brokerage Products And Services

Life Insurance 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
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.

Universal Life
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 beneficiaries. 1

1 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 names.

Whole Life
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 company.

Survivorship Life
Survivorship insurance - sometimes referred to as second-to-die insurance provides a death benefit that can be used to help pay estate taxes.


Fixed Annuities
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 options.

Indexed Annuities
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
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.

Transamerica Life Insurance Co
Address1 4333 Edgewood Rd. NE
Address2 Home Office
City Cedar Rapids
State IA
Zip 52499
Phone Number 319-398-8511
Fax Number -

Start Here!!

Get The Best Term Life Quote
For Your Client

Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

Download top company life insurance quotes -

Get appointed with the company that best suits your clients needs-

Download top brokerage appointment forms-

Get a state specific term
life insurance application-

Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

Request state specific brokerage life application forms-

Mail completed forms to -

  Insurance Brokerage America

  National Marketing
  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

Product Information Tools

Carrier Profiles And Links
  Products Information
  Permanent Products Information
  Underwriting Requirements
  Capital Needs Analysis Calculator

A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

   Insurance Brokerage Connections