Transamerica Life Insurance Company

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Transamerica Life Insurance Company is a major U.S. life and supplemental insurance provider that offers life, health-related, and supplemental insurance products, often sold through partners like retailers and financial institutions. The Plano, Texas billing descriptor “TL *INSURANCE PLANO TX” is most likely associated with legacy J.C. Penney/Stonebridge policies now administered under the Transamerica brand.

Baltimore, Maryland, United States
transamerica.com
Owned by Aegon N.V.

About Transamerica Life Insurance Company

Transamerica Life Insurance Company is a large U.S. insurer that provides term and permanent life insurance, accidental death and dismemberment coverage, supplemental health products, and related financial protection plans. Through its own agents and marketing partners, Transamerica and its predecessors (including J.C. Penney Life Insurance Company and Stonebridge Life Insurance Company) have long sold low‑premium, add‑on insurance programs, often linked to store cards or telemarketing offers. Stonebridge, the successor to J.C. Penney Life and a member of the Aegon group, operated from Plano, Texas and administered many J.C. Penney‑branded accidental death policies from that location.([dfs.ny.gov](https://www.dfs.ny.gov/apps_and_licensing/life_insurers/reg60_contacts_m_thru_z?utm_source=openai)) These Stonebridge/J.C. Penney products and administration have since been folded under the broader Transamerica organization, which operates life and supplemental benefits businesses including in Plano.([texasbar.com](https://www.texasbar.com/AM/Template.cfm?ContactID=183979&Section=Find_A_Lawyer&template=%2FCustomsource%2FMemberDirectory%2FMemberDirectoryDetail.cfm&utm_source=openai))

A charge described as “TL *INSURANCE PLANO TX” (or “TL *INSURANCE 800‑622‑2923 TX”) is commonly reported in consumer forums as corresponding to legacy J.C. Penney/Stonebridge policies that are now associated with Transamerica.([agrusslawfirm.com](https://www.agrusslawfirm.com/collection-agencies/jc-penney/800-622-2923/?utm_source=openai)) These charges typically represent recurring monthly premiums for accidental death and dismemberment or other supplemental insurance that was originally enrolled via telemarketing or a mail/credit‑card offer, sometimes years earlier. In many cases, the billing continues automatically until the policy is cancelled, which can surprise cardholders who do not recognize the abbreviated descriptor.

If you see this charge and don’t recognize it, first check whether you (or a family member) ever enrolled in a J.C. Penney, Stonebridge, or Transamerica accidental death, supplemental health, or credit‑card‑linked insurance product. Look for old welcome kits, policy certificates, or benefit summaries mailed from Stonebridge Life Insurance Company or Transamerica with a Plano, Texas return address. You can then contact Transamerica’s customer service (using the phone and contact information on transamerica.com, not the number from any suspicious message) and ask them to search for any active policies under your name, address, or card details, request a copy of the policy, cancel coverage going forward, and inquire about any possible premium refunds if you believe the enrollment was unauthorized. Keeping written notes of dates, amounts, and call reference numbers will help if you need to dispute the charge with your card issuer.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Transamerica Life Insurance Company.

  1. TL *INSURANCE PLANO TX

Frequently Asked Questions

Why am I seeing a charge labeled “TL *INSURANCE PLANO TX” on my card statement?

This descriptor is typically associated with recurring insurance premiums for an older J.C. Penney, Stonebridge Life, or Transamerica Life Insurance policy that was administered from Plano, Texas. The policy may have been sold via telemarketing or as an add‑on to a store or credit card, and billing can continue monthly until you cancel the coverage with the insurer.

What type of insurance policy is usually behind a “TL *INSURANCE” charge?

Most reported cases involve low‑cost accidental death and dismemberment or supplemental life/health policies that were originally marketed by J.C. Penney Life or Stonebridge Life Insurance Company, now part of Transamerica. These policies often have small monthly premiums (for example, under $30), automatically charged to a credit or debit card.

How can I confirm whether Transamerica has a policy in my name tied to this charge?

Gather your statement with the exact charge date and amount, then contact Transamerica using the customer service numbers or contact‑us page listed on transamerica.com. Ask them to search for any active or lapsed policies associated with your name, address, date of birth, and the last four digits of the card being billed, and request written confirmation of what they find.

How do I cancel the insurance that is causing the “TL *INSURANCE PLANO TX” charges?

Once Transamerica locates the policy, tell the representative you wish to cancel and stop all future automatic payments. Ask for the effective cancellation date and written confirmation by mail or email, and monitor your next one or two statements to ensure no further TL *INSURANCE charges appear.

Can I get a refund for past TL *INSURANCE charges I didn’t authorize or didn’t understand?

Refunds are handled case by case. Explain to Transamerica when you first noticed the charge and why you believe the enrollment was unauthorized or unclear. Request a review for premium reimbursement. If you disagree with the outcome or believe the charge is fraudulent, you can also file a dispute with your card issuer, providing notes of your conversations and any correspondence.

Why does the descriptor say Plano, TX if Transamerica is a large national insurer?

Stonebridge Life Insurance Company, which administered many of the J.C. Penney‑branded and similar supplemental policies, maintained its home office and administration center in Plano, Texas, and Transamerica continues to have operations there.([dfs.ny.gov](https://www.dfs.ny.gov/apps_and_licensing/life_insurers/reg60_contacts_m_thru_z?utm_source=openai)) As a result, legacy billing systems often still use Plano, TX in the merchant descriptor even though the broader Transamerica organization is headquartered in Baltimore.

What should I do if Transamerica cannot find any policy related to my TL *INSURANCE charge?

If Transamerica is unable to locate a matching policy, ask for written confirmation that they found no active or terminated account under your information. Then contact your card issuer, provide that confirmation, and request that they treat the transaction as an unauthorized or erroneous charge. Your bank may issue a provisional credit while they investigate.

Are TL *INSURANCE charges ever temporary authorizations instead of actual premiums?

In most reported situations, TL *INSURANCE amounts appear as settled premium charges rather than small, temporary authorizations. However, if you see a very small amount in a pending status, it could be a test or verification transaction. You should still contact both Transamerica (if they can locate a policy) and your card issuer promptly to clarify and block any unwanted ongoing billing.

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