|Term Life||Whole Life||Universal Life||Variable Universal Life|
|Accidental Death||Final Expense||Medicare Solutions||Long Term Care|
|Benefits of Term Life|
|Helps provide security for growing families||YES|
|Coverage for temporary financial obligations||YES|
Economical protection when you need it most.
Term life insurance is a way for you to help provide financial security for your family by giving you life-insurance coverage for a specified period of time, or "term", such as 10, 20 or 30 years. If something happens to you during that time, your loved ones don't have to worry. If not, your policy simply expires at the end of the term.
Affordable peace of mind.
Because term life doesn't build cash value, it's generally less expensive than permanent coverage. That makes it a good choice for young families just starting out. By providing protection against the loss of income, it can help ensure that your loved ones' quality of life can be preserved—and their tomorrows will be protected.
Security for the big things.
You can also use term life insurance to cover specific financial obligations that may disappear over time. For example, use a 30-year term policy to ensure a 30-year mortgage can be paid in full, or choose coverage that lasts long enough to pay for college tuition or wedding expenses if you're not here to provide for them.
Get a quick primer on Term Life and how it can help protect the people you love.
Not sure which plan you need? Call us at 800-209-8913. We'll talk you through it.
Term life coverage with additional features
Transamerica offers three Trendsetter term life insurance products, each one with the affordability of term life coverage, and each with unique features designed to offer additional benefits based on your life situation and future goals.
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Trendsetter® Express offers high levels of term life coverage without requiring the extra steps of a medical exam. Acceptance is based on answers to certain health questions and an electronic records review.
Trendsetter® Super offers the same high level protection of a term life policy, and can also be converted to permanent insurance coverage. It also features an optional rider that lets you get back most of the premiums you've paid at the end of your policy term as long as you are alive and your policy is in good standing.
Trendsetter® LB also offers high levels of term life protection, and adds a "living benefit" that allows you to potentially access a portion of your policy benefit while you're still alive if you're diagnosed with a qualifying chronic or critical illness; or a terminal illness.
A good choice if you're looking for the protection of term life insurance with a shorter underwriting and approval process.
A good choice for younger families who are likely to remain healthy during the policy term due to substantial financial benefits available at the end of the policy term.
A good choice if you're looking for the protection of term life insurance with an added level of security against the possibility of terminal or critical illness.
The amount of coverage you select is guaranteed to remain the same during the term length.
Your rate is guaranteed to remain the same during the length of your term.
If you are diagnosed with a terminal illness and have 12 months or less to live, this plan pays an advance payout, called an Accelerated Death Benefit, to help with expenses so you can focus on your family during this time. This benefit is automatically included in your coverage (not available in GA, IL, KS, MA, TX, WA).
Guaranteed level premiums for 10, 15, 20, 25, or 30 years.
The conversion rider provides for a guaranteed exchange of the term policy to a plan of permanent life insurance, up to the same face amount, without further evidence of insurability.
An optional Return of Premium feature lets you get back the eligible premiums paid during the policy term as long as your policy is in force and you are still alive.
Guaranteed level premiums for 10, 15, 20, 25, or 30 years. Premiums increase annually after the initial level premium period.
If you are diagnosed with a terminal illness and have 12 months or less to live, this plan pays an advance payout, called an Accelerated Death Benefit, to help with expenses so you can focus on your family during this time.
This benefit is automatically included in your coverage (not available in, IL, KS, MA, WA).
* Trendsetter® Super Series (Policy Form Nos. 1-322 11-107, 1-306 11-107, 1-305 11-107, 1-304 11-107, 1-303 11-107, and 1-334 11-107), Trendsetter® Express (Policy Form No. ICC12 TL18 or TL18) and Trendsetter® LB (Policy Form No. TL19) are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids IA 52499. Premiums increase annually for Trendsetter Super YRT and starting in year 11 for the 10-year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy forms and numbers may vary, and these policies may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.