Final Expense Solutions

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Transamerica’s Immediate Solution, 10 Pay Solution and Easy Solution Final Expense products are non-participating level death benefit whole life plans that offer simplified issue underwriting, coverage for face amounts of $1,000-$50,000* and issue ages of 0-85*.

*Issue age range and face amount ranges may vary by product and issue state.

Final Expense Solutions
 Immediate Solution10 Pay SolutionEasy Solution
DescriptionImmediate Level Death Benefit – first day FULL coverageImmediate Level Death Benefit – first day FULL coverageGraded Death Benefit – refund of premium within first 2 policy years 1
Simplified UnderwritingAvailableAvailableAvailable
Guaranteed PeriodLevel premiums to age 121. This product matures at age 121Level premiums for 10 years. This product matures at age 121Level premiums to age 121. This product matures at age 121
Risk Classes AvailablePreferred and standard non-tobacco and tobaccoPreferred and standard non-tobacco and tobaccoGraded
Issue Ages (Age Last Birthday)0-850-8518–802
Face Amounts Available.$1,000 – $50,000 (issue ages 0-55)
$1,000 – $40,000 (issue ages 56-65)
$1,000 – $30,000 (issue ages 66-75)
$1,000 – $25,000 (issue ages 76-85)		$1,000 – $50,000 (issue ages 0-55)
$1,000 – $40,000 (issue ages 56-65)
$1,000 – $30,000 (issue ages 66-75)
$1,000 – $25,000 (issue ages 76-85)		$1,000 – $25,000
Cash ValuesScheduled in the policyScheduled in the policyScheduled in the policy
Riders
  • Accidental Death Benefit rider3
  • Children/Grandchildren rider3
NoneNone
Options & Endorsements
  • Accelerated Death Benefit with Nursing Home Benefit4
  • Accelerated Death Benefit with Nursing Home Benefit
None
Level PremiumsLP 12110 PayLP 121

1 After the first two policy years the graded death benefit is paid in full, regardless of cause of death.

2 In NY the issue ages are 50-75.

3 Riders are only available on Immediate Final Expense LP 121 and issue ages are limited.

4 Accelerated Death Benefit with Nursing Home Benefit is not available in FL, NY, and CA. FL receives the Accelerated Death Benefit Rider and CA receives the Terminal Illness Accelerated Death Benefit Rider. 

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