Our Financial Services

Comprehensive Financial Solutions for Every Need

Your dedicated Financial Strategist provides personalized guidance across all areas of financial planning—from retirement and education funding to life insurance and legacy planning. All services are completely free through our non-profit model.

Retirement Planning

Secure your financial future with personalized retirement strategies designed to help you enjoy your golden years without financial worry. Learn how to maximize returns during retirement with advanced techniques.

Learn More

Education Funding

Whether you're funding your first child's college or managing multiple education expenses, we'll help you develop strategies that work for your family's specific situation and timeline.

Learn More

Life Insurance & Protection

Protect the life you've built and ensure your loved ones are prepared for whatever comes your way with comprehensive protection strategies and life insurance solutions.

Included in Program

Small Business Solutions

Tailored financial and insurance solutions for small business owners and their employees, ensuring the future security and growth of your enterprise.

Learn More

Legacy Planning

Preserve your legacy for generations with comprehensive estate planning strategies that minimize taxes and ensure your wishes are fulfilled, including free Will preparation.

Learn More

Advanced Tax Strategies

Access new tax strategies that most people don't know about—exclusive techniques that could save you thousands annually and optimize your financial position.

Exclusive Access

Final Expense Solutions

Final Expense Life Insurance

Designed for clients from all walks of life, final expense insurance can give your clients the freedom to manage end-of-life costs on their terms. It may be a fit for those with pre-existing conditions because it's easier to qualify for than other types of whole life insurance, offering budget-friendly coverage with no medical exam.

Transamerica FE Express Solution

Provides level premium whole life insurance policies with face amounts from $5,000 to $50,000 and a guaranteed death benefit to help cover end-of-life expenses. Clients can add an optional benefit — at no additional cost — to help with funeral planning, legal documents, estate planning, and more.

Coverage from $5,000 to $50,000

Guaranteed death benefit

Level premium whole life insurance

Optional benefits at no additional cost

Real estate investment concept. Succession business agent, home insurance service, broker offer financial. Tax interest rate, property value growth. Man protect money stack, home loan mortgage icon

10 Min

Approval

Approval in Just 10 Minutes

A fast, easy approval process means your clients can avoid the hassle of medical exams, additional appointments, or invasive tests.

A Broad Range of Benefits

A federal income tax-free death benefit that can be used to help cover debt, medical bills, and other needs. Policies remain active as long as premiums are paid.

Concierge Planning Rider℠

Expert, online assistance with legal documents, finding a funeral home, and storing personal information, all available at no additional premium cost.

Final Expense Solutions Portfolio

Guaranteed federal income tax-free death benefit and level premium whole life insurance from $1,000 to $50,000 may benefit clients of varying health levels and lifestyles. Benefits include no medical exam requirements and fast underwriting approval, along with optional riders* that may help with clients' diverse needs.

Coverage from $1,000 to $50,000

No medical exam requirements

Fast underwriting approval

Optional riders for diverse needs

Find the Right Option

Compare our insurance options to find the final expense life insurance option that best fits a client's needs.

Transamerica FE Express Solution

Digital policy as soon as 10 minutes

Ready to Help Your Clients with Final Expense Planning?

Let your dedicated Financial Strategist guide you through our final expense solutions and help you find the right coverage for your clients' needs.

Discuss Final Expense Options

Index Universal Life Insurance

Understanding Index Universal Life (IUL) Insurance

Index universal life (IUL) insurance can be a great way to protect your loved ones with a death benefit and the potential of cash value accumulation. But there's a lot of misinformation about IULs on the internet, and even from those within the industry. Let us help you sort fact from fiction.

What Are the Benefits of an IUL?

An IUL policy provides permanent life insurance protection and is guaranteed to remain in force as long as the premiums are paid. But for consumers looking for additional benefits, an IUL policy also offers:

Cash Value Potential

Growth potential through index-linked strategies

Tax-Free Income Opportunity

The opportunity for tax-free supplemental income¹

Flexible Payments

Flexible premium payments²

Businessman Holding Tablet and draws Growing Virtual Hologram of Statistics, Graph and Chart. Business Strategy Development and Growing Growth Plan

IUL

Protection + Growth

Common Misconceptions About IULs

Myth:

"Money collected to fund an IUL policy is held by the insurance company and never enters the market."

Fact:

While it is true that the money in the policy never enters the market as far as purchasing a security, the cash value is exposed to growth that is linked to the index used in a given index strategy. If the growth in the underlying index is positive, the policy's cash value is credited any growth up to the stated cap rate and/or participation rate. IUL products provide protection against market loss by offering a floor rate of 0% or greater.

Myth:

"Growth potential is always capped with IULs so policy owners never experience any meaningful growth."

Fact:

The floor on IUL policies is designed to provide protection from market losses that may occur in the underlying index (such as in 2008 when the S&P 500® declined by 37%). In exchange for this valuable protection, most IULs may place a limit on upside growth, currently ranging from 8% to 14% — still considered solid growth in most years.

Myth:

"High policy fees take a big chunk of any accrued cash value."

Fact:

All types of life insurance policies have charges that are either built into the annual premium or are deducted from the policy's cash value. These charges pay for the death benefit protection as well as ongoing expenses. For permanent life insurance policies with cash value, the cash value generally grows on a tax-deferred basis that may be accessed tax-free through policy withdrawals and loans. These favorable tax features make IUL policies attractive to consumers.

Myth:

"It takes many years before any cash value will accumulate."

Fact:

The net premium on IUL policies is allocated to the policy owner's choice of available index accounts. This generates immediate policy value regardless of index performance. IULs and other permanent life insurance policies typically have a surrender charge for a limited time in the early policy years. Life insurance is designed to provide long-term death benefit protection and cash value accumulation.

Market Protection

Protection from market downturns with a floor rate, while still participating in market gains up to a cap.

Tax Advantages

Tax-deferred growth and tax-free access to cash value through loans and withdrawals, plus tax-free death benefits.

Flexible Loans

Policy loans don't have to be paid back during the insured's lifetime, and may offer zero net cost or positive spread options.

Ready to Learn More About IUL Insurance?

Your dedicated Financial Strategist can help you understand if an Index Universal Life policy is right for your situation and goals.

Discuss IUL Options

Important Information:

¹ When cash value is sufficient, tax-free loans and withdrawals are available as long as policy is not and does not become a Modified Endowment Contract (MEC).

² Premium payments must exceed monthly charges and fees for cash value to grow.

³ Loans, withdrawals, and death benefit accelerations will reduce the policy value and the death benefit and may increase lapse risk. Policy loans are tax-free provided the policy remains in force.

⁵ An IUL is not a short-term savings vehicle nor is it ideal for short-term insurance needs. An IUL is designed to be long term in nature and should only be purchased if a client has the financial ability to keep it in force for a substantial period of time.

Annuity Solutions

Help Clients Prepare for the Future with Confidence

Our robust selection of annuities sets us apart, with features designed to meet diverse needs, including investment growth potential, legacy protection, tax deferral, and guaranteed income, so your clients can enjoy retirement on their terms.

Registered Index Linked Annuities (RILA)

Structured index advantage annuities are designed to help make financial futures more predictable by offering growth potential and a level of investment protection at a low or no cost.

Growth potential with market protection

Predictable financial outcomes

Low or no-cost investment protection

Variable Annuities

With a variable annuity, you can provide clients with an opportunity to benefit from tax-deferred market gains with access to 70+ investment options encompassing a range of investment strategies.

70+ investment options available

Tax-deferred market gains

Guaranteed lifetime income options

Legacy protection opportunities

Living Benefits

Our variable annuities include optional living benefits designed to help your clients achieve specific goals, like protecting their principal and earnings against market losses or creating non-reducing guaranteed lifetime income.

Principal Protection

Protect principal and earnings against market losses

Guaranteed Lifetime Income

Create non-reducing guaranteed income for life

Customizable Options

Flexible benefits tailored to specific client goals

Businessman putting coin on stack with growing small tree symbolizing investment growth and saving money.

70+

Investment Options

Our annuities offer a range of investment options from well-known money managers, providing you the flexibility to align strategies with your clients' risk tolerance and goals.

Flexibility

Depending on their needs, you can customize a variable annuity for your clients with versatile strategies that guarantee lifetime income, help protect their investment from market downturns, and secure their legacy.

Financial Strength

We receive high marks from ratings agencies, year after year. Our legacy of financial strength means you and your clients can be confident we'll be here every step of the way.

Why Choose Annuities for Your Retirement Strategy?

Annuities provide unique benefits that can help your clients achieve their retirement goals with confidence and security.

Growth Potential

Market-linked growth opportunities

Tax Deferral

Tax-deferred growth until withdrawal

Guaranteed Income

Lifetime income you can't outlive

Legacy Protection

Preserve wealth for future generations

Discuss Annuity Options