Transamerica is our primary carrier for term and traditional whole life insurance solutions because of their financial strength, stellar reputation, and ease of doing business on the agency and customer side. Their industry changing products are comprehensively designed in an innovative way that allows opportunities for families like never before who want a substantial sum of life insurance coverage at an affordable rate without the hassle of a traditional life insurance application.
For instance, Transamerica dominates the non-medically underwritten term life insurance space. They are completely unique in that they allow up to $2,000,000 in death benefit. They do this while offering premium rates that are more affordable than fully medically underwritten products. This innovative term life solution earned them the 2022 Forbes Advisor Award for Best Overall Term Life Insurance. Their suite of living benefits are the best in the industry and that is why Transamerica appropriately named this product the Trendsetter LB.
For individuals who need a greater death benefit than $2,000,000 or who have certain underwriting considerations such as for health, occupation, who own a business, or many other considerations- Transamerica also offer a top-of-the-line medically underwritten product with early conversion opportunities called Trendsetter Super.
They have a strong, traditional whole life insurance policy with the same important rider options that are available on their term policies. The limited pay yields are impressive and it's among the most efficient whole life solutions for families who want a permanent solution hence it being named Lifetime.
As a subsidiary Transamerica has the financial backing of Dutch public company, AEGON, which has been a driving force behind their innovative products and fortifies the success of their their company and brokerages like Tuscan Eagle Insurance.
We recently teamed up with Guardian Life to offer a wider array of products and options for our growing book of business. Founded in 1860, Guardian has been in business for over 160 years and has paid out dividends to its policyholders every years since the beginning.
Guardian Life’s financial strength speaks for itself with its A++ Very Strong rating from A.M Best, Aa1 High Quality rating from Moody’s Investors Service, AA+ Very Strong rating from Standard & Poor’s, and a near perfect 99 COMDEX rating. Guardian Life paid out a record dividend allocation of $1.398 billion to policyholders in 2024. Guardian will continue being a leading force in the ever changing life insurance space with its forward thinking research and data driven decisions, implementation of technology, and focus on policyholder wellbeing
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