Transamerica
A nationally recognized, A-rated (AM Best) middle-market life, retirement, and annuity platform within the Aegon group - whose annuity guarantees are issued by Transamerica Life Insurance Company (Iowa) and, for New York, Transamerica Financial Life Insurance Company - now the strategic center of a parent group planning to redomicile to the U.S. and rename itself Transamerica Inc. by 2028.
Financial strength
A
AM Best
A1
Moody's
A+
S&P Global
AM Best A (Excellent)
Transamerica's principal U.S. life issuers carry an A (Excellent) Financial Strength Rating from AM Best, shown live on the provider page.
Aegon group
Part of the Aegon group of companies since Aegon acquired Transamerica in 1999; held in the U.S. through Transamerica Corporation. Policyholder guarantees remain the obligation of the legal issuing insurer, not the parent.
Legal-issuer clarity
Transamerica is a brand for multiple insurers. Non-NY annuity business is issued by Transamerica Life Insurance Company (Iowa, NAIC 86231); New York business by Transamerica Financial Life Insurance Company (NY, NAIC 70688).
Founding to Transamerica Inc.
A 120-year-plus brand lineage tracing to A.P. Giannini's 1904 Bank of Italy - now the core identity of a parent group planning to redomicile to the U.S. and rename itself Transamerica Inc. by 2028.
Middle-market scale
Transamerica group materials report 10.2 million customers, $444.4 billion in revenue-generating investments, and 14.3 million policies in force - group/platform metrics, not single-issuer balance-sheet figures.
Run live numbers on Transamerica products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
Registered Index-Linked Annuities
Selected product: Structured Index Advantage Annuity
A registered index-linked annuity group for comparing index-linked crediting with explicit downside buffer, floor, or participation terms.
Other current products
Free Comparison Report
Get Transamerica's current rate report
Compare Transamerica's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Explore Transamerica products
Transamerica’s lineup, grouped by what each product group is built to do. Current rates come from CANNEX via AdvisorWorld and are checked daily.
Registered Index-Linked Annuity
Registered index-linked annuities grouped separately so buffers, floors, caps, and participation terms are not mixed into FIA or MYGA comparisons.
- RILA protection terms stay separate from FIA caps and MYGA guarantees
- Product pages show live buffer, floor, cap, participation, and premium-band detail when available
Best for: Buyers comparing index-linked upside with explicit downside exposure rules.
Transamerica Structured Index Advantage Annuity
Transamerica Structured Index Advantage Annuity is the national accumulation contract version, pairing SEC-registered market-linked growth potential with defined downside terms; contract value can rise or fall.
Buffer
20%
Transamerica Structured Index Advantage® Income Annuity
Transamerica Structured Index Advantage® Income Annuity is the income-oriented contract version, pairing SEC-registered market-linked growth potential with defined downside terms; contract value can rise or fall.
Buffer
20%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-16. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
Free Comparison Report
Get Transamerica's current rate report
Compare Transamerica's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Open the live Transamerica RILA page that matches the buyer's state and need for accumulation or income features.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
5.7%
Base-growth terms
Not published
no published roll-up or income-base bonus
Annual fee
—
not published
Premium
$100,000
Income calculation value
$100,000
Annual lifetime income
$5,700
Shows this option's guaranteed lifetime withdrawal rate applied to your premium. No separate base-growth terms are currently published for this quick illustration. Actual results can vary; use the carrier illustration for contract-specific values.
Company overview
What Transamerica is
Transamerica is a U.S. life insurance, retirement, investment, annuity, and employee-benefits platform operating within the Aegon group. It serves individuals, employers, retirement-plan sponsors, and financial professionals under a middle-market "for the many, not just the few" positioning.
Checked 2026-07-07 · Transamerica website and company materials
For annuity due diligence, Transamerica is a brand for several legal insurers. Non-New York annuity business is issued by Transamerica Life Insurance Company (Iowa, NAIC 86231, licensed in all states except NY and DC); New York business by Transamerica Financial Life Insurance Company (New York, NAIC 70688). Guaranty-association coverage, policy forms, and disclosures attach to the issuer.
Checked 2026-07-07 · Transamerica website and financial-strength materials
Transamerica's three current Structured Index Advantage RILAs include base, New York, and income products with distinct availability, caps, participation rates, and protection terms.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Aegon acquisition
1999
Transamerica became part of the Aegon group in 1999; held in the U.S. through Transamerica Corporation.
Acquired 1999 · Transamerica website and public disclosures
Primary issuer
TLIC (Iowa)
Transamerica Life Insurance Company, Iowa-domiciled, NAIC 86231; licensed in all states except NY and DC. Statutory total assets $183.8B as of Dec. 31, 2025 (legal-issuer figure).
Statutory Dec. 31, 2025 · Transamerica website and financial-strength materials
NY issuer
TFLIC (NY)
Transamerica Financial Life Insurance Company, New York-domiciled, NAIC 70688; licensed in all states and DC. Statutory total assets $30.1B as of Dec. 31, 2025 (legal-issuer figure).
Statutory Dec. 31, 2025 · Transamerica website and financial-strength materials
AM Best
A (Excellent)
A Financial Strength Rating from AM Best for the principal U.S. life issuers, shown live on the provider page.
Checked 2026-07-07 · Transamerica website and public disclosures; AM Best
History highlights
The brand lineage traces to 1904, when A.P. Giannini founded the Bank of Italy in San Francisco with a mission of accessible finance; the Transamerica Corporation and its insurance path emerged in 1930.
Founded 1904 · Transamerica website and history materials
In 1999, Transamerica became part of Aegon, tying its U.S. operations to an international parent; the iconic Transamerica Pyramid (completed 1972) remains a recognized brand symbol though no longer company-owned.
Aegon acquisition 1999 · Transamerica website and public disclosures
From 2025 to 2028, Aegon has announced plans to relocate its head office and legal seat to the U.S. and rename itself Transamerica Inc. - a potentially transformative parent-company development centered on the U.S. market.
Announced 2025-2028 · Transamerica website and public disclosures
A U.S. platform becoming the center of the Aegon group
Transamerica is part of the Aegon group of companies. Aegon acquired Transamerica in 1999, and today Transamerica represents Aegon's U.S. operations and largest market. The simplified chain is Aegon Ltd. as ultimate parent, Transamerica Corporation as the U.S. holding company, and the operating insurance companies as legal issuers.
Acquired 1999 · Transamerica website and public disclosures
Aegon combined its Dutch insurance, banking, pension, and mortgage businesses with ASR Nederland in 2023 and moved its legal seat to Bermuda, sharpening its U.S. focus. It has since announced plans to relocate its head office and legal/regulatory seat to the United States and rename the holding company Transamerica Inc. by 2028 - making Transamerica the strategic core of the global group's future identity.
Announced 2025-2028 · Transamerica website and public disclosures
Whatever happens at the parent level, a policyholder's annuity contract is backed by the issuing insurance company, not Aegon, Transamerica Corporation, or a distribution affiliate.
Checked 2026-07-07 · Transamerica website and public disclosures
Financial strength
AM Best
A
Excellent Financial Strength Rating (third of thirteen categories) for the principal U.S. life issuers; the Aegon USA Group rating unit carries an a+ Long-Term Issuer Credit Rating, stable outlook.
Checked 2026-07-07
Moody's
A1
Upper-medium-grade insurance financial strength (A1), stable outlook, for Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company per the Dec. 5, 2025 credit opinion.
Credit opinion Dec. 5, 2025
S&P Global
A+
Strong Financial Strength Rating (A+), stable outlook, for the principal U.S. life issuers per the April 6, 2026 report.
Report Apr. 6, 2026
Transamerica website and public disclosures; S&P Global Ratings
What makes Transamerica different
Nationally recognized middle-market brand
Transamerica combines a familiar consumer brand - reinforced by retirement plans, life insurance, and the Transamerica Pyramid identity - with a "for the many" middle-market focus. The legal issuer named in each contract remains responsible for its guarantees.
Checked 2026-07-07 · Transamerica website and public disclosures
A parent group reorganizing around Transamerica
Aegon is narrowing around U.S. life, retirement, and distribution, with plans to redomicile to the U.S. and rename itself Transamerica Inc. by 2028. That can mean more investment in product modernization and service - alongside execution risk and continued legacy-block management.
Announced 2025-2028 · Transamerica website and public disclosures
Legal-issuer discipline
Because Transamerica is a brand for multiple insurers, the legal issuer is shown whenever product availability, forms, or ratings are referenced - separating Transamerica Life Insurance Company (Iowa, non-NY) from Transamerica Financial Life Insurance Company (New York).
Checked 2026-07-07 · Transamerica website and public disclosures
Market-linked, retirement-income architecture
Transamerica's current lineup contains three registered index-linked annuity products: Structured Index Advantage, its New York version, and Structured Index Advantage Income. Each has its own current terms and availability.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
About Transamerica
Transamerica is the consumer-facing brand for a family of U.S. insurers within the Aegon group, offering life insurance, retirement plans, annuities, investments, and employee benefits to the middle market. Aegon acquired Transamerica in 1999, and the group now plans to redomicile to the U.S. and rename itself Transamerica Inc. by 2028.
Checked 2026-07-07 · Transamerica website and company materials
For annuity buyers, the legal issuer matters: non-New York business comes from Transamerica Life Insurance Company (Iowa), New York business from Transamerica Financial Life Insurance Company. The principal U.S. life issuers carry an AM Best A (Excellent) rating, with Moody's A1 and S&P A+ - strong, mainstream ratings that sit below the highest mutual-insurer tier.
Checked 2026-07-07 · Transamerica website and public disclosures; AM Best, Moody's, S&P Global
Structured Index Advantage, Structured Index Advantage NY, and Structured Index Advantage Income are distinct RILA products with their own current caps, participation rates, protection terms, state availability, and disclosures.
Verified July 2026 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Transamerica's current rate report
Compare Transamerica's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Transamerica corporate site — 2026-07-07
- Transamerica overview - Aegon group ownership (acquired 1999), legal issuers TLIC (Iowa, NAIC 86231) and TFLIC (NY, NAIC 70688), AM Best A — Checked 2026-07-07
- Ratings: AM Best A (FSR) / a+ (ICR) stable, Moody's A1 stable (Dec. 5, 2025), S&P A+ stable (Apr. 6, 2026) for the principal U.S. life issuers — Checked 2026-07-07
- Current lineup (3 Structured Index Advantage RILA products), rates, protection terms, and state availability: CANNEX Financial Exchanges via AdvisorWorld — Verified July 2026