Transamerica
A long-standing national carrier with a broad term and permanent life product menu.
Transamerica is one of the larger life insurance carriers operating in the United States, with a national footprint and a full product line spanning term, whole life, indexed universal life, and final expense.
Their accelerated underwriting program is competitive for healthy applicants between 18 and 60, with most decisions returned in days rather than weeks. We use Transamerica frequently for first-time term buyers in the $250,000 to $1,000,000 face-amount range.
On the permanent side, their IUL and whole life chassis are mature products with a long track record. We model the cash value projections side by side with peer carriers so the comparison reflects guarantees, not illustrations.