Opera One
Shaped around your individuality as an ultra-high-net-worth client, Opera One integrates life protection with your existing assets.
Your financial ambitions, family legacy and global footprint are unique. Opera One honours that individuality by integrating life protection with your existing asset holdings — all shaped around your vision and wealth to empower you to pursue your personal, family, and business objectives.
Key Benefits of Opera One
Elevate your legacy
A bespoke lifetime protection reflecting the scale and stature of your wealth.
Amplify the potential of your wealth
Your policy can be supported by your existing assets, enhancing protection without disrupting your established investment positions.
Maintain discretion over your investment decisions
Ensure your portfolio aligns with your broader strategic direction.
Access policy value when needed
Withdrawals without charges to support your evolving aspirations.
Enhance policy sustainability
Non-chargeable premium to help keep your policy resilient across market cycles.
Optimise your legacy distribution model
Can craft a legacy distribution that mirrors your intentions in cash, in assets, or through a bespoke combination of both.
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Disclaimers
Opera One (Policy Form No. VUL01 BM) is a variable universal life insurance policy underwritten and issued by Transamerica Life (Bermuda) Ltd., a company incorporated in Bermuda. Policies to which these materials relate are only available in Bermuda. Insurance eligibility and premiums are subject to underwriting. In the event of suicide within two years from the later of the Policy Issue Date, the Reinstatement Effective Date and the date of issue of the new policy under the Insured Exchange Option (if applicable), we will not pay the Death Benefit. We will only return the premiums you paid for the policy, less any Withdrawal amount, any Terminal Illness Benefit paid and any cost incurred by the Underlying Investment.
This publication serves only as an overview and is not an offer to sell or a solicitation to buy any of Transamerica Life Bermuda’s products. It is provided for informational purposes only and should not be construed as financial, tax or legal advice. Clients and other interested parties should seek independent financial, tax and legal advice. All cases studies and other illustrations or examples given in this publication are for informational and illustrative purposes and do not predict future performance. The actual premiums, charges and benefits are dependent on factors, including the insured’s age, gender, risk class, smoking status, and country of residence. All monetary values reflected in these materials are in U.S. dollars. This information is current as of April 2026.
Clients and other interested parties should refer to the policy contract for detailed terms and conditions. Although care is taken in preparing this material, Transamerica Life Bermuda disclaims any express or implied warranty as to the accuracy of the content and any liability with respect to it. For further information, please contact Transamerica Life Bermuda’s distributors.
The policy contract for the product described in this publication is prepared in English. In the event of any conflict or inconsistency between the contents of this publication and the policy contract, the policy contract shall prevail. Unless otherwise stated, capitalised terms in this publication shall have the same meanings as defined in the policy contract.
