Carrier: Transamerica
Product: Immediate Solution / Easy Solution
Product Type: Simplified Issue Whole Life – Final Expense
Plan Tiers: Immediate Solution (Level), Easy Solution (Graded)
Issue Ages: 0–85 (varies slightly by plan)
Face Amounts: $1,000–$50,000
Target Market: Seniors needing permanent coverage for funeral costs with relaxed health screening
Underwriting Notes: No exam. Based on Yes/No questions, MIB, Rx check, and build chart. Immediate for healthier clients; Easy for moderate conditions.
The Transamerica Final Expense Solutions Portfolio is designed to provide agents and their clients with fast, accessible, and lifetime-guaranteed life insurance products tailored to cover funeral and end-of-life expenses...
Product Types and Plan Comparison – Transamerica Final Expense
Transamerica offers three structured final expense solutions to meet the full spectrum of client health and budget profiles. Each product includes lifetime protection, level premiums, and straightforward underwriting. See below for a side-by-side comparison:
| Plan | Premium Paying Period | Issue Ages | Face Amount – Minimum | Face Amount – Maximum | Death Benefit | Benefit Period |
|---|---|---|---|---|---|---|
| Immediate Solution | Level premiums to age 121 | 0–85 | $1,000 | Ages 0–55: $50,000 Ages 56–65: $40,000 Ages 66–75: $30,000 Ages 76–85: $25,000 |
Full death benefit available day one | Matures at age 121 |
| 10-Pay Solution | Level premiums for 10 years | 0–85 | $1,000 | Ages 0–55: $50,000 Ages 56–65: $40,000 Ages 66–75: $30,000 Ages 76–85: $25,000 |
Full death benefit available day one | Matures at age 121 |
| Easy Solution | Level premiums to age 121 | 18–80 | $1,000 | $25,000 | Graded death benefit: Year 1: 30% Year 2: 70% Year 3+: 100% |
Matures at age 121 |
Note: Easy Solution is reserved for clients with more severe health conditions. Immediate and 10-Pay Solutions are available with Preferred or Standard ratings.
Riders – Transamerica Final Expense
Accelerated Death Benefit Riders (ADBR)
Transamerica’s Accelerated Death Benefit Rider (ADBR) provides an accelerated benefit that is paid instead of the cash value or death benefit under the insured’s policy. This benefit may be used to help cover medical or nursing home expenses due to injury or illness as diagnosed by a physician.
All ADBRs require proof of the qualifying event while the rider and policy are in force. This includes a completed request form and a physician’s statement. Transamerica may request further medical evidence from the attending physician.
Accelerated Death Benefit Rider with Nursing Home Benefit (NHB)
Not available in California and Florida
- Eligibility requires continuous confinement in an eligible nursing home for at least 90 days
- Physician must certify the confinement is expected to continue until death
- Confinement must be due to:
- An accident occurring after the rider effective date
- An illness that first manifests more than 30 days after the rider effective date
- Applicants needing assistance with activities of daily living within 2 years prior to application are not eligible
Accelerated Death Benefit Rider (ADBR) – Florida Only
- Provides a benefit if the insured is expected to die within 12 months
- Requires physician certification of the terminal condition
Terminal Illness Accelerated Death Benefit Rider (TIR) – California Only
- Up to 100% of the face amount may be accelerated
- Reductions include: interest discount, outstanding loans, admin charge, and premiums due in the next year
- Requires certification of life expectancy under 12 months
Note: Accelerated death benefits may be taxable and could affect eligibility for public assistance. Consult a tax advisor. Refer to rider forms for complete terms and limitations.
Optional Riders (Available only with Immediate Solution)
Accidental Death Benefit Rider (ADR)
- Provides an additional death benefit if the insured’s death results from accidental bodily injury
- Issue ages: 18 through 70
- Death must occur within 90 days of the accident
- Policy must be in force at time of death
Children’s and Grandchildren’s Benefit Rider (CGR)
- Annual premium per unit per child: $2.00
- Parent/Grandparent issue ages: 18–75
- Child/Grandchild issue ages: 15 days to 18 years
- Up to nine children/grandchildren may be covered
- Minimum face: $1,000
- Maximum face: Lesser of base policy or $5,000 per child
- All covered children must have same face amount
- Not eligible if diagnosed with a terminal illness (life expectancy < 24 months)
- Total coverage per child across all CGR riders cannot exceed $5,000
- Coverage ends on anniversary following the child’s 25th birthday
Conversion Options
Children may convert coverage to a permanent policy if they have been insured under the rider for at least two years. Conversion guidelines:
- Ages 0–17: Qualify for Juvenile Standard
- Ages 18–25: Qualify for Standard Nontobacco
Underwriting Process and Rating Classes – Transamerica Final Expense
Transamerica Final Expense uses a digitally-enabled, accelerated underwriting process to make real-time policy decisions without traditional exams or lab work...
Adult Height and Weight Chart – Transamerica Final Expense
The following chart outlines Transamerica’s official underwriting weight limits for adult applicants by height. Eligibility for Preferred, Standard, or Graded coverage depends on the applicant’s build and the absence of disqualifying health conditions. Applicants whose weight exceeds the “Max Graded” category are not eligible for any coverage.
| Height | Min Preferred/Standard | Max Preferred | Max Standard | Max Graded |
|---|---|---|---|---|
| 4’5” | 74 | 159 | 179 | 191 |
| 4’6” | 77 | 165 | 186 | 199 |
| 4’7” | 80 | 172 | 193 | 206 |
| 4’8” | 83 | 178 | 200 | 214 |
| 4’9” | 86 | 184 | 207 | 221 |
| 4’10” | 89 | 191 | 215 | 229 |
| 4’11” | 92 | 198 | 222 | 237 |
| 5’0” | 95 | 204 | 230 | 245 |
| 5’1” | 98 | 211 | 238 | 254 |
| 5’2” | 102 | 218 | 246 | 262 |
| 5’3” | 105 | 225 | 254 | 270 |
| 5’4” | 108 | 233 | 262 | 279 |
| 5’5” | 112 | 240 | 270 | 288 |
| 5’6” | 115 | 247 | 278 | 297 |
| 5’7” | 119 | 255 | 287 | 306 |
| 5’8” | 122 | 263 | 295 | 315 |
| 5’9” | 126 | 270 | 304 | 325 |
| 5’10” | 129 | 278 | 313 | 334 |
| 5’11” | 133 | 286 | 322 | 344 |
| 6’0” | 137 | 294 | 331 | 353 |
| 6’1” | 141 | 303 | 341 | 363 |
| 6’2” | 145 | 311 | 350 | 373 |
| 6’3” | 149 | 320 | 360 | 384 |
| 6’4” | 152 | 328 | 369 | 394 |
| 6’5” | 157 | 337 | 379 | 404 |
| 6’6” | 161 | 346 | 389 | 415 |
| 6’7” | 165 | 355 | 399 | 426 |
| 6’8” | 169 | 364 | 409 | 436 |
| 6’9” | 173 | 373 | 419 | 447 |
| 6’10” | 177 | 382 | 430 | 459 |
| 6’11” | 182 | 391 | 440 | 470 |
| 7’0” | 186 | 401 | 451 | 481 |
Note: These build limits are applied independently of other impairments unless otherwise specified by underwriting guidelines. The chart does not consider frame size or gender-specific differences.
Adult Impairment Decision Guide – Transamerica Final Expense
The chart below contains Transamerica’s official underwriting decisions for applicants with a single medical or lifestyle condition. These guidelines assume all other underwriting factors — including build, tobacco status, and activity level — are within acceptable limits. If multiple impairments exist, eligibility may change based on the cumulative risk profile.
| Condition | Decision |
|---|---|
| AIDS/HIV/ARC | DECLINE |
| Alcoholism/Alcohol Abuse – Used or been diagnosed with, treated, tested positive for, or been given medical advice by a member | Within 2 years – DECLINE Within 2–4 years – GRADED Within 4–10 years – STANDARD Over 10 years – PREFERRED |
| ALS (Lou Gehrig’s disease) or other motor neuron disease | DECLINE |
| Alzheimer’s/Dementia/Memory Loss/Cognitive Disorders | DECLINE |
| Amputation (other than due to accident/trauma) | DECLINE |
| Anemia (other than Sickle Cell Anemia) | GRADED |
| Aneurysm | PREFERRED |
| Angina | See Heart Disease |
| Angioplasty (of any kind) | See Heart Disease |
| Arrhythmia | See Heart Disease |
| Assisted Living/Long Term Care Facility – Home healthcare is defined as medical care provided by a medical professional, friends, or family member, including — but not limited to — arranging medications, taking blood pressure or sugar readings, administering medications, wound care, feeding tube, etc. | Current – DECLINE |
| Asthma | Mild (no daily symptoms, no limitations to daily activities, no reduced lung function, no regular use of steroids and no ER visits or hospitalizations due to asthma in last 5 years – PREFERRED |
| Atrial Fibrillation | See Heart Disease |
| Autism | Mild (Highly Functional): – PREFERRED All others – DECLINE |
| Bipolar | PREFERRED |
| Black Lung | STANDARD |
| Blood Clots (no complications/time since resolved) | PREFERRED |
| Blood Disorder (excluding Iron Deficiency Anemia and Sickle Cell Anemia): Polycythemia, Thrombocytopenia, Hemophilia, and other coagulation disorders | PREFERRED |
| Bone Marrow Transplant (Including donor stem cells) | DECLINE |
| Bronchitis (chronic) | STANDARD |
| Build | See Adult Height and Weight Chart page 15 |
| Bypass | See Heart Disease |
| Cancer (other than Basal Cell) | Any onset within 2 years – DECLINE Metastatic – DECLINE |
| Cardiac Surgery | See Heart Disease |
| Cardiomyopathy | See Heart Disease |
| Cerebral Palsy | DECLINE |
| Chest Pain | See Heart Disease |
| Chronic Pain | PREFERRED |
| Circulatory Disorder | PREFERRED |
| Cirrhosis | STANDARD |
| Clotting Disorder | PREFERRED |
| Cognitive Disorder | DECLINE |
| Congestive Heart Failure/Heart Failure/Diastolic Heart Failure | STANDARD |
| COPD (Chronic Obstructive Pulmonary Disease) | STANDARD |
| Coronary Artery Disease | See Heart Disease |
| Creutzfeldt-Jakob Disease | DECLINE |
| Crohn’s Disease | PREFERRED |
| Cystic Fibrosis | DECLINE |
| Defibrillator Implant | See Heart Disease |
| Dementia | DECLINE |
| Depression | PREFERRED |
| Diabetes (Type 1 and 2) | STANDARD |
| Diabetic Coma | DECLINE |
| Dialysis | STANDARD |
| Diastolic Heart Failure | See Congestive Heart Failure |
| Down Syndrome | DECLINE |
| Driving (including: reckless driving, DUI/DWI/OWI) | Within 2 years – DECLINE Within 2–5 years – STANDARD |
| Drug Use/Abuse (including prescription drugs) | Within 2 years - DECLINE Within 2–4 years - GRADED Within 4–10 years - STANDARD Over 10 years - PREFERRED |
| Electric Scooter/Cart | See Wheelchair/Scooter/Cart |
| Emphysema | STANDARD |
| Employment (in the cannabis industry or a cannabis-related business) | DECLINE |
| Encephalitis | PREFERRED |
| Epilepsy | See Seizures |
| Felony Offense (convicted of or pleaded no contest) | Within 3 years – DECLINE Within 3–5 years – GRADED Within 5–10 years – STANDARD Over 10 years – PREFERRED |
| Gaucher’s Disease | DECLINE |
| Heart Attack | See Heart Disease |
| Heart Disease | PREFERRED |
| Heart Failure | See Congestive Heart Failure |
| Heart Murmur | See Heart Disease |
| Heart Valve Replacement | See Heart Disease |
| Hepatitis | See Liver Disease/Disorder |
| Hodgkin’s/Non-Hodgkin’s/Lymphoma | See Cancer |
| Home Healthcare | See Assisted Living |
| Hospice | DECLINE |
| Hospitalization | Currently - DECLINE |
| Hunter Syndrome | DECLINE |
| Huntington’s Disease | DECLINE |
| Illegal Drugs | See Drug Use/Abuse |
| Incarceration | Current – DECLINE |
| Iron Deficiency Anemia | See Anemia |
| Irregular Heartbeat | See Heart Disease |
| Kidney Disease/Disorder (Chronic Kidney Disease) | STANDARD |
| Kidney Failure | STANDARD |
| Liver Disease/Disorder (excluding Fatty Liver Disease) | STANDARD |
| Long Term Care | See Assisted Living |
| Lou Gehrig Disease | See ALS |
| Lupus | See Systemic Lupus Erythematosus (SLE) |
| Marijuana use | PREFERRED |
| Memory Loss | See Alzheimer's |
| Mental Incapacity | DECLINE |
| Mental Retardation | DECLINE |
| Myocardial Infarction | See Heart Disease |
| Niemann-Pick Disease | DECLINE |
| Nursing Home | See Assisted Living |
| Oxygen | See Respiratory Disease or Disorder |
| Pacemaker/Defibrillator Implant | See Heart Disease |
| Pancreatitis (nonalcoholic) | Diagnosed and/or received treatment within 2 years – STANDARD Treated and resolved > 2 years – PREFERRED |
| Parole/Probation (currently) | Within 2 years – DECLINE |
| Peripheral Artery/Vascular Disease (PAD/PVD) | See Circulatory Disorder |
| Phlebitis | See Blood Clots |
| Pompe Disease | DECLINE |
| Post-Traumatic Stress Disorder (PTSD) | See Depression |
| Prison (within 2 years) | See Incarceration |
| Pulmonary Fibrosis | DECLINE |
| Pulmonary Hypertension | See Circulatory Disorder |
| Respiratory Disease or Disorder (Chronic) | STANDARD |
| Rheumatoid Arthritis | PREFERRED |
| Sarcoidosis | Not affecting the lungs – PREFERRED |
| Schizophrenia | PREFERRED |
| Seizures | PREFERRED |
| Sickle Cell Anemia | DECLINE |
| Sleep Apnea | CPAP/treatment with supplemental oxygen/oxygen concentrator use – STANDARD |
| Stent Implant (Heart) | See Heart Disease |
| Stroke | STANDARD |
| Suicide (attempted) | Within 2 years – DECLINE |
| Surgery (Been advised or planning to have surgery requiring general anesthesia) | DECLINE |
| Systemic Lupus Erythematosus (SLE) | PREFERRED |
| Terminal Illness (death expected within 18 months) | DECLINE |
| Tobacco/Nicotine use (This includes cigarettes, e-cigarettes/vapes, chewing tobacco/smokeless tobacco, pipe, cigar, nicotine gum/patch or other nicotine delivery system.) | Within last 12 months will receive Tobacco Rating |
| Transplant Recipient | Organ or Stem Cell – DECLINE |
| Transient Ischemic Attack (TIA) | STANDARD |
| Tuberculosis | See Respiratory Disease or Disorder |
| Ulcerative Colitis | PREFERRED |
| Wasting Syndrome | DECLINE |
| Wheelchair/Electric Scooter/Electric Cart | PREFERRED |
| Wilson’s Disease | DECLINE |
| Wiskott-Aldrich Syndrome | DECLINE |
Note: Transamerica may adjust ratings based on prescription history, combinations of impairments, or additional underwriting discretion.
Juvenile Eligibility Rules and Build Chart – Transamerica Final Expense
Transamerica underwrites juvenile applicants separately from adults, with strict criteria for medical history and height/weight ratios. Children under the age of 18 are only eligible for the Juvenile Standard class. No other risk classes apply.
Medical Conditions That Disqualify Juvenile Applicants
If a juvenile applicant has any of the following medical conditions or personal history, they are not eligible for coverage under a base policy or rider.
- Cognitive impairment
- Memory loss
- Mental incapacity
- Motor neuron disease
- Cerebral palsy
- Cystic fibrosis
- Huntington’s disease
- Amputation (other than due to accident/trauma)
- Bone marrow, stem cell, or organ transplant (other than corneal)
- Cancer
- Pulmonary fibrosis
- Sickle cell anemia
- Down syndrome
- Autism
- Depression
- Bipolar
- Schizophrenia
- Eating disorder
- Suicide attempt
- Cardiac surgery
- Diabetes Type I or II
- Chronic pain
- Muscular dystrophy
- Paralysis
- Heart failure
- Pending surgery requiring general anesthesia
Juvenile Build Chart
The following height and weight chart must be used for juvenile applicants age 14 through 17. Younger children may be evaluated using alternative growth charts.
| Age | Height (in) | Weight (lbs) |
|---|---|---|
| • Drug use | NaN | NaN |
| • Reckless driving, DUI, OWI, and DWI | NaN | NaN |
| • Felony (convicted of or pleaded no contest) | NaN | NaN |
| • Proposed insured, owner, | NaN | NaN |
| 1 Subject to underwriting and change without notice | NaN | NaN |
| JUVENILE MEDICAL CONDITIONS | NaN | NaN |
| or payor is employed in the cannabis industry or a cannabis-related business. | NaN | NaN |
| Juvenile applicants will not be eligible for coverage when two or more medical categories have a “yes” answer. | NaN | NaN |
| MEDICAL CATEGORIES | MEDICAL CONDITIONS | DECISION |
| NaN | NaN | (Subject to all other factors) |
| Heart or blood vessels disorder | • Congenital heart disease | Standard |
| NaN | • Irregular heartbeat/arrhythmia | NaN |
| NaN | • Murmur | NaN |
| NaN | • Any other disease or disorder of the heart or blood vessels | NaN |
| NaN | • Epilepsy/Seizures | NaN |
| Brain or nervous system disorder | • Any other disease or disorder of the brain or nervous system | Standard |
| Blood disorder | • Platelet disorders | Standard |
| NaN | • Any other abnormality of the spleen, bone marrow, or blood | NaN |
| Digestive disorder | • Any disease or disorder of the esophagus, stomach, liver, pancreas, intestine, or colon | Standard |
| Lung disorder | • Asthma | Standard |
| NaN | • Any other disease or disorder of the lungs or respiratory system | NaN |
| Renal and reproductive disorder | • Disease or disorder of the bladder | Standard |
| NaN | • Disease or disorder of the kidney | NaN |
| NaN | • Any other disease or disorder of the urinary or reproductive organs | NaN |
| Mental health disorder | • Anxiety | Standard |
| NaN | • Attention deficit disorder (ADD/ADHD) | NaN |
| NaN | • Any other psychiatric mental or emotional condition or disorder | NaN |
| Muscles, skin, joints, bones, connective tissue, eyes, and ears disorder | • Rheumatoid arthritis (JRA) | Standard |
| NaN | • Autoimmune disorder | NaN |
| NaN | • Any other disease or disorder of the musculoskeletal system, skin, or spine | NaN |
| Childhood cancers | NaN | Decline |
| JUVENILE HEIGHT AND WEIGHT CHART | NaN | NaN |
| Ages 0 through 13: If the build for the proposed insured does not fall within the ranges listed, no coverage will be available. | NaN | NaN |
| AGE | MIN AND MAX HEIGHT IN INCHES | MIN AND MAX WEIGHT IN LBS |
| 15 days–less than 1 year | 18–35” | 5–32lbs |
| 1 | 26–42” | 14–50lbs |
| 2–4 | 30–45” | 19–71lbs |
| 5–8 | 38–56” | 27–120lbs |
| 9–11 | 44–70” | 40–160lbs |
| 12–13 | 52–73” | 60–195lbs |
| Ages 14 through 17: See adult weight chart on page 15. If weight exceeds the maximum weight for the Standard product, no coverage will be available. | NaN | NaN |
Note: Applicants age 14–17 must meet this build chart in addition to all other health and eligibility criteria.
Juvenile Height and Weight Chart – Ages 0 to 13
The following chart defines the acceptable height and weight ranges for applicants between 15 days and 13 years old. If a proposed insured's build falls outside of these ranges, the application will be declined. For ages 14 through 17, refer to the adult build chart.
| Age | Min/Max Height (in) | Min/Max Weight (lbs) |
|---|---|---|
| 15 days–less than 1 year | 18–35” | 5–32lbs |
| 1 | 26–42” | 14–50lbs |
| 2–4 | 30–45” | 19–71lbs |
| 5–8 | 38–56” | 27–120lbs |
| 9–11 | 44–70” | 40–160lbs |
| 12–13 | 52–73” | 60–195lbs |
Note: All juvenile applicants must also meet eligibility criteria regarding health questions and medical conditions. This chart is used strictly for build qualification.
Applicants Ages 14–17
Applicants ages 14 through 17 must meet the adult height and weight chart requirements. If weight exceeds the maximum allowed for the Standard product, no coverage will be issued.
Premium Rate Calculation and Modal Factors – Transamerica Final Expense
Transamerica’s Final Expense Solutions offer permanent life insurance coverage with level premiums and a one-time policy fee. Premiums are guaranteed not to increase for the life of the policy and vary by plan type, age, gender, and rating class. Payment modes are flexible and designed to accommodate clients on a budget or fixed income.
Policy Fee
A non-refundable policy fee of $42.00 is applied to every Transamerica Final Expense policy. This fee is the same regardless of age, face amount, or rating class.
Accepted Payment Modes & Modal Factors
The following modal factors apply to all plans:
| Payment Mode | Modal Factor |
|---|---|
| Annual | 1.00 |
| Semi-Annual | 0.52 |
| Quarterly | 0.265 |
| Monthly EFT or Direct Express® | 0.086 |
Premium Calculation Example
Assume a client qualifies for a $15,000 Immediate Solution policy with a Preferred Nontobacco rating. The annual rate is $40.18 per $1,000. Here's how to calculate monthly EFT premiums:
- Base Premium: 15 units × $40.18 = $602.70
- Plus Policy Fee: $602.70 + $42.00 = $644.70
- Monthly EFT Premium: $644.70 × 0.086 = $55.44/month
Optional Rider Cost Examples
- Accidental Death Benefit Rider (ADR):
$15,000 coverage = 15 units × $2.95 = $44.25 annually
$44.25 × 0.086 = $3.81/month - Children’s/Grandchildren’s Rider (CGR):
$5,000 total for four children = $20.00/year
$20.00 × 0.086 = $1.72/month
Total Monthly Premium: $55.44 (base) + $3.81 (ADR) + $1.72 (CGR) = $60.97/month
Quoting Tools
Agents may use Transamerica’s Quick Quote tool from desktop or mobile devices without logging in. Quotes include all plan types, rating classes, rider add-ons, and payment mode options.
Application Submission & Policy Delivery – Transamerica Final Expense
Transamerica Final Expense uses a digital-first platform to streamline the application and underwriting process. All applications are submitted through the iGO® e-App system, eliminating the need for paper forms or in-person interviews. Most clients receive a decision within minutes, improving efficiency for both agents and applicants.
iGO® e-App Process
- Agent accesses the iGO® e-App platform via iPipeline®.
- Application is completed online with the client present in person or remotely.
- Minimal health questions are required due to real-time digital data retrieval.
- Underwriting decision is delivered during or shortly after submission.
- Agent receives email confirmation of the case decision.
e-Signature and Application Validity
- Electronic signature is completed during the application session.
- No faxing, mailing, or in-person signing required.
- Applications remain valid for 90 days from the original submission date.
- If underwriting requirements are not fulfilled within 45 days, the case will close automatically.
- Closed cases may be reopened within 90 days; after 90 days, a new application is required.
Policy Delivery Options
- Policy documents are issued promptly upon approval and can be delivered via:
- Electronic delivery (eDelivery)
- Traditional mailed delivery (if selected)
- Policy delivery method can be chosen during the application process.
Agent Tips
- Double-check all personal and medical information with the applicant before submitting the e-App.
- Use the Transamerica Quick Quote tool to confirm rates before launching the application.
- Default delivery is eDelivery unless mail is selected at submission.
Assistant Prompt
If an agent asks how to submit an application or what happens after it is submitted, the Assistant should respond:
“All Transamerica Final Expense applications are submitted through the iGO® e-App system. Most applicants receive a decision within minutes based on digital health data. The application is valid for 90 days. Delivery options include email (default) or regular mail.”
Product Comparison: FE Express vs. Immediate Solution
This comparison highlights the key differences between Transamerica’s FE Express Solution and the more established Immediate Solution. Use this to match clients with the product that best fits their health profile, speed preferences, and feature requirements.
| Feature | FE Express Solution | Immediate Solution |
|---|---|---|
| NaN | Billing Modes: | Billing Modes: |
| NaN | Monthly, annually, and Social Security billing option | Monthly, quarterly, semiannually, annually, 10-Pay |
| Payment Types | Billing Methods: | and Social Security billing option |
| Payment Types | Direct payments from checking/savings account (ACH), credit card, debit card, Social Security Direct Express® Debit MasterCard® | Billing Methods: |
| Payment Types | NaN | Direct payments from checking/savings account (ACH), credit card, debit card, electronic funds transfer |
| State Availability Exclusions | GU, NY, PR, & VI | PR, VI |
| Application Format | Digital application (paper applications not available) Text and email signature option | Digital1 or paper applications |
| Application Format | NaN | Digitally enabled underwriting provides real-time decisions in most situations. In some instances, applications may be referred to an underwriter. |
| Underwriting | Instant in-application decision | NaN |
| Underwriting | Policy information can be accessed by agents using the Life Access agent portal via Agent Home (Brokerage and TAN only). Self-service customer portal available | NaN |
| Accessing In Force Policies | NaN | Agent portals (no self-service customer portal available) |
| Ownership | Insured same as owner | Owner may differ from insured |
| Issue Ages2 | 18–85 | 0–85 |
| Risk Classes3 | Select Nontobacco/Select Tobacco | Preferred Nontobacco/Preferred Tobacco/Preferred Juvenile Standard Nontobacco/Standard Tobacco/Standard Juvenile |
| Premium Duration | Age 100 | Age 121 |
| Minimum Face Amount | 5000 | 1000 |
| Maximum Face Amount4,5 | Ages 18–75: $50,000 | Ages 0–55: $50,000 Ages 66–75: $30,000 |
| Maximum Face Amount4,5 | Ages 76–85: $25,000 | Ages 56–65: $40,000 Ages 76–85: $25,000 |
| Maximum Face Amount4,5 | • Accelerated Death Benefit Rider with Nursing Home Benefit6 | • Accelerated Death Benefit Rider with Nursing Home Benefit6 |
| Maximum Face Amount4,5 | • Accelerated Death Benefit Rider7 | • Accelerated Death Benefit Rider7 |
| Riders | • Concierge Planning RiderSM8 | • Accidental Death Benefit Rider |
| Riders | • Terminal Illness Accelerated Death Benefit Rider9 | • Children’s and Grandchildren’s Benefit Rider |
| Riders | NaN | • Terminal Illness Accelerated Death Benefit Rider9 |
| Replacements | • Available in all states | • Available in all states |
| How Long an Application is Valid? | 60 days | 90 days |
| Decision | Instant within e-App | Sent via email |
| Ability to Customize Face Amount After Underwriting Approval | Yes | No |
| Ability to Customize Face Amount After Underwriting Approval | Available for all U.S. citizens. If the client is not a | NaN |
| Citizenship | U.S. citizen, they must have a valid green card that does not expire within the next 90 days. | Available for all U.S. citizens |
| 1 Digital application is not available in NY, only paper. | NaN | NaN |
| 2 Maximum issue age is 80 on both Graded FE Express and Easy Solution. | NaN | NaN |
| 3 Graded FE Express offers nontobacco and tobacco distinct rates while Easy Solution (graded) offers uni-smoke rates. | NaN | NaN |
| 4 Transamerica FE Express Solution and Transamerica Final Expense Immediate Solution offers the full guaranteed death benefit. With Transamerica Graded FE Express Solution and Transamerica Final Expense Easy Solution, if the insured dies within the first two Policy Years, and the Insured’s death is not an Accidental Death as defined in this policy, the death benefit will be limited to 110% of the premiums paid from the Policy date to the date of death, minus any loan balance. The death benefit after first two policy years is based on Face Amount for death of the Insured Regardless of cause of death. Death benefit is not guaranteed during contestability and suicide exclusion periods. | NaN | NaN |
| 5 Maximum face on Graded FE Express and Easy Solution is $25,000 for all ages. | NaN | NaN |
| 6 Accelerated Death Benefit Rider with Nursing Home Benefit is not available in California and Florida. | NaN | NaN |
| 7 Accelerated Death Benefit Rider is available in Florida only. | NaN | NaN |
| 8 In California, Florida, and Maryland, this benefit is called the Concierge Planning BenefitSM. The benefit’s services are not provided through a contractual rider; they are offered outside of the life insurance policy. | NaN | NaN |
| 9 Terminal Illness Accelerated Death Benefit Rider is available in California only. | NaN | NaN |
Summary: FE Express streamlines underwriting and eliminates paper, while Immediate Solution supports more payment modes, cash value accumulation, and broader rider options.
