Product Spotlight - Permanent Life Insurance
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Product Highlights
simple enrollment options
payroll-deducted premiums
accumulates cash value
guaranteed 4% interest rate
loan and withdrawal options

When John, owner of a growing graphic design business, reviews his company's benefits package before a new hiring wave, whole life insurance is an easy choice. He knows job candidates will appreciate an additional life insurance option with a simple guaranteed 4% interest rate on the cash value and a reduced paid-up death benefit offered after the later of 16 years or age 65.

Offer employees a sense of financial security.

Trans$ureSM is interest-sensitive whole life insurance designed to help provide financial protection for employees' families in the event of death, that can be used for final expenses, for college tuition, for living expenses or as an inheritance for beneficiaries. It also provides interest-earning cash value (with a guaranteed minimum 4% interest rate) that can be borrowed against while alive1.

Nearly 65% of Americans feel they need more life insurance than what their employer currently provides.2 Trans$ureSM offers the employer the ability to let employees choose $5,000 to $500,000 of benefit with no physical exams or blood tests3.

Attract and keep employees with great benefits.

Offering whole life insurance to employees is a great supplement to term life insurance because it helps protect for an entire lifetime, even after retiring or leaving the company. It's an enticing added benefit to help recruit and retain great people.

Choose a company you can trust.

In today's financial environment, working with a reliable company with a heritage of over 100 years of helping families is a smart way to do business. Employers can trust Transamerica to be there when employees needs us most.

We provide customizable options that let you offer insurance that fits your plans and your employees' needs. Easy enrollment and payroll deduction options make integration with your human resources department convenient and hassle-free.

Riders (additional benefits) included with base policy

  • Waiver of Premium Due to Layoff Rider4
  • Accelerated Death Benefit for Terminal Illness Rider5

Design insurance to fit your workforce with optional riders.

You know your workforce best, and Trans$ureSM gives you the freedom to make the choices that will fit your company. You can decide what additional benefits (also called "riders") to include for all employees and what optional benefits employees can choose to purchase for themselves. Optional riders include:

  • Accidental Death and Dismemberment Rider
  • Level Term Insurance Rider - also available for spouse and child(ren)
  • Waiver of Premium Benefit Rider
  • Accelerated Death Benefit for Long-Term Care Rider
  • Extension of Benefit Rider
  • Accelerated Death Benefit for Critical Care Condition Rider


  • Employee, ages 16 through 70 ($5,000 - $500,0003 benefit, not to exceed 5x base salary)
  • Spouse or equivalent by law, ages 16 through 65 ($5,000 - $100,000 benefit)
  • Children/Grandchildren, ages 15 days through 24 ($25,000 benefit)
  • Children under Optional Child Term Rider, ages 15 days through 25 ($10,000 benefit; employee participation required)


1 Upon written request, employees may borrow up to the available loan value of their certificate. The interest rate on cash value securing loans is 8.0% (7.4% in advance) with a minimum loan amount of $250. The loan value of the certificate is the cash value less the amounts of any existing loans, loan interest payable in advance to the next certificate anniversary and three monthly deductions. 2 2015 Insurance Barometer Study Executive Summary 2015, LIMRA. 3 Acceptance based on answers to questions on the application for insurance. 4 Not available in Massachusetts, Minnesota, Virginia or Vermont. 5 Not available in Massachusetts.

This is a brief summary of Trans$ureSM Whole Life Insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy form series CPWL0100 and CCWL0100. Rider form series CRABTI00, CRULWT00, CRABLT00, CREXTB00, CRABCC00, CRADD200, CRISLT00, CRWPL100, CRWP0100 and CRHIL00. Forms and form numbers may vary. This insurance may not be available in all jurisdictions. Limitations and exclusion apply. Refer to the policy, certificate and riders for complete details.