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Term Life Insurance

Life insurance might not be as expensive as you think it is.

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What is term life insurance?

Term life insurance is a life insurance that provides financial coverage for a specific period of time, which is called a term. If the worst should happen and you pass away during the term of your policy, Transamerica will pay out the full amount of your insurance coverage, known as a death benefit, in either a lump-sum payment or a monthly payout.

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Why purchase term life insurance?

Term life insurance is typically the most affordable life insurance product available to you. With its lower premium rates compared to permanent life insurance, term life is a great way to protect your family’s financial future from the loss of a breadwinner. As a result, many people make term life their first life insurance purchase.

Compare the differences between term life insurance and other types of life insurance >

What if you live through the term of your policy?

If you do not pass away during the time you have coverage, your policy expires and you will not receive your death benefit payout. Your policy may be converted to a new policy at the end of your term, although your premiums may increase.

Many choose term life insurance to help their family with a variety of financial needs in the event of an expected death.

Read more FAQs on term life insurance >

Term life options from Transamerica.

At Transamerica, you have the choice of several flexible term life insurance policies. Transamerica term life policies offer term periods ranging from 10 to 30 years separated by five-year increments and can provide your family with financial protection anywhere from $25,000 up to $1,000,000. Most of our policies require a medical exam, but if a person is under a certain age and coverage amount, they can get term life insurance without a medical exam - based on health questions on the application.

These are our core product offerings and each can be set for 10, 15, 20, 25 or 30-year terms:

  • Trendsetter® Super Series1
  • Trendsetter® LB (Living Benefits)2

Find out more information about our term life policies >

Guaranteed Principal Solution

Protect your family today.

Since 1906, Transamerica has been helping to protect the financial future of millions of Americans. Over a century later we are one of the nation’s leading life insurance companies. We have survived multiple financial crises and should the worst happen, we will be there financially. Let us provide you and your family with the protection you need at an affordable price with term life insurance.

Fill out our quote form and a Transamerica representative will contact you within two business days. You will learn about your available coverage options, as well as the next steps in the process.

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Contact an agent.

If you wish to speak directly with a representative, you can call us anytime at 1-800-771-1839.

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