Final expense

An answer for unexpected expenses

We look at life as if the best is yet to come, but it’s still wise for people to plan ahead for final expenses so their loved ones can rest easily. They can use fast and easy options to help protect their families from unexpected financial burdens associated with final expenses.

Transamerica’s Final Expense Solutions Portfolio provides level premium whole life insurance policies with face amounts from $1,000 to $50,000 and a guaranteed death benefit.*

Consumer brochure (including NY) Quote final expense

Upgrade to a better experience

Sell more and wait less with our new, enhanced selling experience for our Final Expense Solutions Portfolio. All final expense agents will benefit from:

Real-time underwriting decisions** — Get answers within minutes of electronic application submission, resulting in shorter case cycle times and faster case placement
Short, streamlined digital application — Enjoy a reduced medical questionnaire with an upfront eligibility question to quickly determine insurability

Policy e-delivery — Save time and hassle for both you and your clients with the elimination of mailing policy documents
Social Security benefit billing — This convenient option helps increase persistency and matches the premium withdrawal date to when benefits are deposited. Setup takes only three days from application to benefit deposit date.

See benefits

Latest enhancements

Transamerica is committed to being your carrier of choice for final expense. That's why we're continually improving our streamlined underwriting experience so you can sell more and deliver coverage to your clients faster.

Improved risk class*

We’ve updated our adult underwriting guidelines so you can protect more clients at better rates.

Condition	New rating	Old rating
Anemia (other than sickle cell anemia) With activity credit	Graded Standard	Graded N/A
Asthma (chronic) With activity credit	Standard Preferred	Graded N/A
Bronchitis (chronic) With activity credit	Standard Preferred	Graded Standard
Heart disease	Preferred	Standard
Heart failure (congestive or diastolic) With activity credit	Standard N/A	Graded Standard
Hospitalization (within last 12 months - excludes currently) With activity credit	Standard Preferred	Standard N/A
Liver disease or cirrhosis With activity credit	Standard N/A	Graded Standard
Respiratory disease (black lung, COPD, or emphysema) With activity credit	Standard Preferred	Graded Standard
Supplemental oxygen use With activity credit	Standard Preferred	Graded Standard
Stroke or transient ischemic attack (TIA) With activity credit	Standard Preferred	Standard N/A

* Subject to all other factors. These enhancements are available in all states except NY. Final Expense Solutions Portfolio is available in all states/territories except PR and VI.

New agent and underwriting guide

Download our latest guides for a closer look at all the final expense details

Download guide

E-app video

See our new, shortened e-app with upfront eligibility considerations, fewer health questions, and policy e-delivery option for faster, easier, client-friendly coverage.