Complaint Score
55.2 of 100
Normalized by premium volume across 50 states
NAIC MCAS 2024 Grade C 50 states
Transamerica Life
Transamerica Life: 1,543 justified complaints across 50 states (NAIC MCAS 2024). Reputation grade C.
Part of Aegon
NAIC Code: 69485
Reputation grade C (composite score 55.2) — A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Average — near industry median
What This Grade Means for You
Transamerica Life has a complaint record roughly in line with the industry median. This means the number of complaints is proportional to the volume of business the company writes. While not a red flag, consumers may want to compare Transamerica Life against higher-rated alternatives in their state before purchasing a policy.
Transamerica Life's composite score of 55.2 is derived from complaint ratios and operational data across 50 states.
Data note: This data reflects complaints filed with state insurance departments and regulatory filings.
A high complaint ratio does not necessarily indicate illegal behavior. Large insurers receive more complaints by volume;
complaint ratios normalize by premium size. Always verify coverage decisions with your insurer or a licensed agent.
This page is informational and does not constitute financial, legal, or insurance advice.
Transamerica Life appears in PlainInsurer's regulatory database with 1,543 justified complaints on file across 50 states under NAIC code 69485, operating as part of Aegon. The company's composite score of 55.2 translates to a reputation grade of C — this score combines NAIC complaint ratios, available CMS claim denial data, and Medicare Advantage prior authorization metrics where applicable. Lower composite scores indicate fewer consumer problems relative to company size; higher scores indicate more.
Looking at business mix, Transamerica Life reports activity in 1 line of business (Life Insurance). Its complaint score of 55.2 — normalized by premium volume — is what regulators and consumer-protection groups use to compare insurers fairly across different company sizes.
For consumers evaluating Transamerica Life, the practical implication is this: complaint ratio and denial data give a comparative view of how this insurer treats policyholders relative to peers, but they cannot predict your individual claim experience. The available data places Transamerica Life near industry norms; comparing directly against named alternatives in your state is the next step. This page is not financial, legal, or insurance advice — verify all coverage terms with a licensed agent and consult your state's Department of Insurance for dispute or complaint procedures.
Total Complaints
1,543
50 states
Complaint Score 55.20 +5420% vs. avg
Composite Score
55.2
Higher = more complaints
Claim Denial Score
N/A of 100
Not yet available for this insurer
States Active
50 states
NAIC Code: 69485
Consumer Risk Level 55.2%
National median
Composite score of 55.2 — lower is better
Complaint Data by Line of Business
| Line | Complaints | Avg Complaint Ratio | States Active |
|---|---|---|---|
| Life Insurance | 1,543 | 1.12 +12% vs. avg
| 50 |
Top states by complaint volume
Top 5 states — Transamerica Life consumer complaints
Source: NAIC Consumer Information Source (CIS) + CMS Medicare Advantage Star Ratings Insurer complaint counts and ratios for Transamerica Life across all reported lines of business and states · 2023 NAIC CIS aggregates state-DOI consumer complaints; complaint ratios normalize against premium volume so absolute counts and ratios can diverge. Reputation grade derived from PlainInsurer methodology applied to NAIC data.
State Presence (50 states)
AL 31 complaints AK 31 complaints AZ 31 complaints AR 31 complaints CA 31 complaints CO 31 complaints CT 31 complaints DE 31 complaints FL 31 complaints GA 31 complaints HI 31 complaints ID 31 complaints IL 31 complaints IN 31 complaints IA 31 complaints KS 31 complaints KY 31 complaints LA 31 complaints ME 31 complaints MD 31 complaints MA 31 complaints MI 31 complaints MN 31 complaints MS 31 complaints MO 31 complaints MT 31 complaints NE 31 complaints NV 31 complaints NH 31 complaints NJ 31 complaints NM 31 complaints NY 31 complaints NC 31 complaints ND 31 complaints OH 31 complaints OK 31 complaints OR 31 complaints PA 31 complaints RI 31 complaints SC 31 complaints SD 31 complaints TN 31 complaints TX 31 complaints UT 31 complaints VT 31 complaints VA 31 complaints WA 31 complaints WV 31 complaints WI 31 complaints WY 31 complaints
Understanding Your Rights
If you have a dispute with Transamerica Life or any insurer, you have the right to file a complaint with your state's insurance commissioner. State regulators investigate consumer complaints, mediate disputes, and can take enforcement action against companies that violate insurance laws.
The NAIC's complaint filing page provides direct links to every state insurance department. Complaints can typically be filed online and are tracked as part of the public record that informs the complaint ratios shown on this page.
The data presented here covers all lines of business — auto, home, health, and life insurance. Complaint ratios are normalized by premium volume so that larger companies are not penalized simply for writing more policies.
Frequently Asked Questions
What does Transamerica Life's C grade mean?
Transamerica Life received a grade of C, which means "Average — near industry median." This grade is calculated from the company's NAIC complaint ratio (normalized by premium volume), CMS claim denial rates where available, and Medicare Advantage prior authorization data. Consumers may want to compare this insurer against higher-graded alternatives in their state.
How many complaints does Transamerica Life have?
Transamerica Life has 1,543 total complaints on record across 50 states, based on NAIC Market Conduct Annual Statement (MCAS) data. The raw complaint count alone does not tell the full story — larger insurers naturally receive more complaints. PlainInsurer uses complaint ratios (complaints per premium dollar) to compare companies fairly.
How do I file a complaint against Transamerica Life?
To file a complaint against Transamerica Life, contact your state's Department of Insurance. Every state has an insurance commissioner's office that accepts consumer complaints — you can typically file online, by phone, or by mail. The National Association of Insurance Commissioners (NAIC) also provides a central complaint portal at naic.org. Document your policy number, claim number, dates of communication, and the specific issue before filing. Your state regulator can investigate and mediate disputes between you and Transamerica Life.
Is Transamerica Life a good insurance company?
Whether Transamerica Life is a good choice depends on your coverage needs, state, and budget. PlainInsurer gives Transamerica Life a C grade based on complaint ratios and denial data. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does Transamerica Life offer?
Based on NAIC filing data, Transamerica Life operates in 1 line of business: Life Insurance. Coverage availability varies by state — Transamerica Life is licensed in 50 states. Check directly with Transamerica Life or your state's Department of Insurance for specific policy options in your area.
How does Transamerica Life compare to other insurers?
Transamerica Life's complaint data can be compared against other insurers using PlainInsurer's complaint ratio rankings. With a C grade, Transamerica Life ranks near the industry average for consumer complaints. To compare specific lines of coverage, visit the line-of-business rankings. For state-level comparisons, check the state pages where Transamerica Life operates.
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Compare Transamerica Life Against Another Insurer
See a side-by-side complaint ratio and denial rate comparison.
Data: NAIC MCAS 2024 industry scorecards · CMS Transparency in Coverage PUF PY2025 · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023).
Not affiliated with NAIC or CMS.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related to Transamerica Life
Primary data: NAIC Market Conduct Annual Statement (MCAS) 2024. Medicare Advantage figures: CMS Office of Inspector General audit OEI-09-22-00380 and KFF 2023 Medicare Advantage analysis. Methodology and computation by PlainInsurer Editorial — see methodology.