Term life insurance
Life insurance shouldn’t be complicated
We believe everyone deserves a simple, cost-effective way to protect their families and finances. With flexible options designed to fit most budgets, Transamerica makes it easy for you to find the right term life insurance policy to fit your clients' needs. It's just one way you can help them live their best lives.
Flexible coverage for an array of needs
Our Trendsetter® LB and Trendsetter® Super Series lets you deliver budget-friendly life insurance coverage that offers additional features such as:
- Time savings and faster approvals with our simplified underwriting process
- Living benefit riders that provide protection while your clients are still alive1
- The opportunity to partially or fully convert to a permanent life insurance without another medical exam
Protection for almost any budget
We offer term life insurance coverage for periods ranging from 10 to 30 years, making it easy to help your clients get the right amount of coverage at a cost-effective price.
Fast, easy approvals
Focus on supporting your clients and growing your business and leave the rest to us. Our simplified underwriting process includes no medical exam up to $2 million for qualified applicants and several risk classes based on available face amounts.
Financial support when it’s needed most
Your clients can rest easier knowing our term life policies offer living benefits that can help them replace income and cover expenses if needed due to illness.
Our Trendsetter series at a glance
| Trendsetter® Super | Trendsetter® LB |
|---|---|
| Issue ages: 18–80 | Issue ages: 18–80 |
| Term Durations: 10-, 15-, 20-, 25-, and 30-year | Term Durations: 10-, 15-, 20-, 25-, and 30-year |
| Coverage available: $25K–$10 million and up | Coverage available: $25K–$2 million |
| No medical exam for up to $2 million for qualifying applicants | No medical exam for up to $2 million for qualifying applicants |
| Flexible and convertible coverage to permanent life policy during conversion period | Flexible and convertible coverage to permanent life policy during conversion period |
| Customizable to fit your lifestyle with different coverage amounts, term periods, and optional rider benefits | Living benefits provide early access to the death benefit for a wide range of qualifying critical or chronic conditions |
| See Trendsetter Super | View Trendsetter LB |
72%
of surveyed respondents overestimated the true cost of a basic term life insurance policy. Notably over half of Gen Z and Millennials combined overestimate the cost at over three times its actual price.*
Your one-stop term resource
Our comprehensive term toolkit offers additional guides and resources for you and your clients to learn more about our term life insurance offerings, all in one place.
Discover our other life insurance solutions
Index universal life insurance
Whole life insurance
Life insurance overview
Important information
Trendsetter® Super Series are term life insurance policies issued by Transamerica Life Insurance Company, Cedar Rapids, IA. Policy Forms ICC17 TL22, TL22 0417, issued by Transamerica Life Insurance Company. Premiums increase annually for Trendsetter Super YRT, and beginning 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 form and number may vary, and this policy and the riders with this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. Not available in New York. 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.
Trendsetter® LB is a term life insurance policy, Policy Form ICC16 TL23 or TL23 issued by Transamerica Life Insurance Company, Cedar Rapids, IA. Premiums increase annually beginning 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. Not available in New York. Policy form and number may vary, and this policy and the riders with this policy 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.
Benefits provided through the Living Benefits, including the critical, chronic and terminal illness accelerated death benefits, are subject to certain limitations and exclusions. Amounts payable under the benefits vary based in part on the nature and severity of the Insured’s health condition and the Insured’s remaining life expectancy at the time of the acceleration as determined by the company. Refer to the policy contract for complete details.