How Transamerica Cut Retirement Consolidation Timelines in Half with Zingly

Meet Pearl — Transamerica's purpose-built AI + human experience, powered by the Zingly platform, transforming how millions of Americans manage their retirement savings.

Consolidating retirement accounts has never been simple. For most Americans, it meant paperwork, multiple phone calls, fragmented steps — and weeks of uncertainty. Transamerica, one of the country's leading providers of retirement and investment solutions, knew this experience needed to change.

Today, Transamerica announced Pearl, The Transamerica Virtual Assistant℠ — their new branded digital experience built on the Zingly AI platform. Zingly provides the secure, multimodal AI technology layer — including AI Buddy and Digital Rooms — that powers Pearl's intelligent, continuous participant journey.

The problem

Retirement consolidation has always been harder than it should be

When someone changes jobs or approaches retirement, moving savings from old accounts into a single plan should be straightforward. In reality, the process has historically been fragmented — disconnected channels, repeated explanations, and no clear sense of what comes next.

This friction causes people to delay or abandon the process entirely, leaving retirement savings scattered across accounts and harder to manage.

"Pearl makes it easier for our retirement plan participants to take action with clear guidance and timely support — while ensuring a Transamerica representative is readily available if a personal conversation is their preferred choice."

— Oriana Freidenberg, Head of Customer Experience and Marketing, Transamerica

What Pearl does differently

One continuous journey, not disconnected channels

Built on Zingly's AI platform, Pearl creates a single, persistent participant space where AI guidance, relevant data, and human support are unified. Participants are guided through every step:

1. Clear, step-by-step guidance that reduces confusion and keeps momentum moving forward
2. Fewer handoffs and less rework — participants never have to reexplain their situation
3. Secure document and information sharing throughout the rollover process
4. Full visibility into next steps, so participants feel in control at every stage
5. Unified omnichannel experience maintaining continuity across AI and human interactions

AI and human, together

Not a chatbot. A continuous experience.

Powered by Zingly's Digital Rooms, Pearl blends digital efficiency with human warmth. Participants can connect with a Transamerica representative at any point — whether they have questions, need reassurance, or simply prefer speaking with a person.

Outside business hours, Zingly's AI Buddy stays available around the clock to answer questions, maintain progress, and preserve context — so participants never have to start over or lose their place.

Results

Weeks became days

Pearl has already cut typical consolidation timelines by more than 50% — with no additional fees for participants. This is what enterprise AI done right looks like: not replacing human connection, but making it available exactly when and where it matters most.