Transamerica

A Core Carrier at Gameplan Financial
Final Expense • Term • IUL • Riders

Carrier Information

Founded: 1904 (Transamerica lineage; verify state materials where needed)
Type: Stock life company under the Aegon group
Financial Strength: $223 billion+. Retirement plan assets; $62.8 billion+. Paid in insurance, retirement, and annuity claims and benefits; 14.6 million. Total policies in force.
Portfolio: Final Expense Solutions (WL), Lifetime WL, Term, Indexed UL, plus riders
Digital underwriting playbook for Term & IUL; FE Express e-app flow for speed and placement
Sales Support: 1-877-4544768 Broker Portal: ani.transamerica.com
📂 Transamerica Resource Folder
⬅ Carrier Menu Home

Final Expense Solutions Portfolio

Whole Life Simplified Issue Adult & Juvenile Packets (state-specific)
Product Overview
Plan Types
Immediate Solution (level benefit lifetime WL), 10-Pay Solution, 20-Pay Solution.
Issue Ages
Adult FE typically targets 45–85; Juvenile FE packets reference 0–44 (confirm exact ages by state packet).
Face Amounts
Agent materials show common FE ranges; state & age can affect min/max. Use state packet/product grid to validate.
Premiums
Guaranteed level premiums; 10-Pay & 20-Pay complete premiums early while maintaining lifetime coverage.
Riders
Accelerated Death Benefit (Terminal) commonly available; Accidental Death optional. Availability varies by state/plan.
e-App
FE Express flow for faster submission, e-sig, bank draft options; designed to improve placement.
Underwriting Highlights
Simplified YES/NO health questions with MIB & Rx checks; phone interview may be requested.
State Variations Use the correct adult vs. juvenile application set; forms/disclosures differ by state.
Typical Knockouts Current oxygen use, dementia/cognitive impairment, active or very recent cancer treatment, advanced renal disease (verify exact look-backs in FE UW guide).

FE Express (Submission & Placement)

e-App Workflow Speed & Productivity Placement-Focused
How It Works
Process
Streamlined FE e-application with e-sign; built to reduce NIG/pends and improve cycle time.
Payments
Bank draft/ACH; e-delivery options where available.
Best Fit
When you need fast decisions and predictable placement for final expense.
UW Signals
Real-time data checks (MIB, Rx) can trigger interview or additional questions.
Pre-screen with FE knockout list to avoid wasted submissions.

Transamerica Lifetime Whole Life

Participating Whole Life Permanent Coverage
Overview
Design
Guaranteed level premiums, guaranteed death benefit, guaranteed cash values; dividends are not guaranteed.
Use Cases
Long-term protection, legacy, and cash value accumulation with participating WL mechanics.
Riders
ADB options and additional riders vary; confirm active rider set in the WL guide/state packet.
Underwriting
UW guide outlines build, exam/APS triggers, and age/face breakpoints for fluids.
State packets include replacement, disclosures, and suitability forms.

Term Life — Digital Underwriting

Accelerated & Full UW Conversion Options Carrier-Ordered Requirements
Product Overview
Programs
Digital UW playbook supports fluidless/accelerated approvals for eligible age/face classes; full UW for others.
Terms
Level term durations commonly include 10 / 15 / 20 / 30 years; check specific SKU for bands and conversion period.
Living Benefits
Accelerated Death Benefit (Terminal) on many term SKUs; Chronic/Critical Illness riders may be available in approved states.
Underwriting Requirements
Carrier orders requirements; data sources include MIB, Rx, MVR, and public records per the guide.
Accelerated availability depends on age, face, and risk signals; fluids ordered if risk thresholds are exceeded.
Follow the playbook’s step-by-step to minimize cycle time and avoid re-requisites.

Indexed UL — Financial Choice IULs

Indexed UL Living Benefit ABRs Illustration & Suitability Rules
Product Overview
Design
Index-linked crediting strategies; caps/pars/spreads & charges as specified in the brochure/product guide.
Living Benefits
Accelerated Benefit Riders: Terminal, Chronic, and Critical Illness (state approvals vary). Access a portion of DB upon qualifying event.
Positioning
Permanent coverage with cash value potential; suitable for protection + accumulation when illustrated accurately.
Underwriting & Process
Digital UW guide outlines accelerated vs. full UW decisioning by age/face/risk.
State overlays drive rider availability, replacements, and illustration rules; confirm state packet each case.
Compliant illustration delivery and disclosures required prior to policy issue.

Admin & State Packets

State-Specific Forms Payment & Replacement Disclosures & Notices
What’s Inside
Applications
Separate Adult FE (e.g., 45–85) and Juvenile FE (e.g., 0–44) packets; use correct state edition codes.
Payments
Bank draft/authorization forms; initial premium handling guidance.
Disclosures
State-required notices, buyer’s guides, replacement forms, and rider-specific disclosures.
Submission Tips
Confirm state & age bracket before quoting or e-app to avoid NIG/pends.
Match riders to state approvals and keep edition codes consistent across all forms.
Transamerica — Trendsetter® Term Products: Super & LB (Living Benefits) Digital Underwriting • iGO® e-App Fluidless Possible (by age/amount)

What is Trendsetter Term?

Trendsetter® Term (Super & LB) is Transamerica’s flagship level-term product family. It uses a digital underwriting flow through iGO® e-App with reflexive questions, data checks, and potential instant decisions. Requirements depend on age and face amount, with fluidless underwriting possible at lower bands.

When to Use It
  • Income replacement or mortgage coverage needing scalable UW.
  • Digital-first clients who value a fast, paperless process.
  • Applicants who may qualify for fluidless processing.
  • Clients interested in living benefits (LB version).
Underwriting Flow
  • Digital UW: Rx, MIB, MVR always checked.
  • Labs/parameds: triggered by age/amount.
  • Inspection report at higher bands.
Fluidless Potential

At younger ages & lower face amounts, fluidless underwriting is possible. Older/higher bands require vitals, labs, ECG, etc.

Face Amount & Age Bands
Face AmountRequirements (add with age)
$25k–$99,999Often fluidless; may add vitals/HOS by age.
$100k–$500kVitals + HOS/BCP + MVR; CS at older ages.
$500k–$1MVitals + labs; PFS/CS by age; ECG possible.
$1M–$5M+Full suite: labs, ECG, inspection, PFS, CS.
Key Advantages
  • Fast e-App with instant decisions possible.
  • Living Benefits available (LB version).
  • Scalable UW for small to jumbo face amounts.
Best-Fit Clients
  • Families needing income protection.
  • Homeowners with mortgages.
  • Digital-savvy clients seeking simplicity.
Build & Pre-Qual Watch-Outs
  • BMI, BP, cholesterol tighten for Preferred classes.
  • Recent MI, CAD, CHF, COPD, stroke/TIA → likely decline.
  • Dialysis, transplant, substance abuse → decline.
  • Living benefit riders may have stricter eligibility than base coverage.
Fast Facts
  • Carrier: Transamerica
  • Products: Trendsetter® Super & LB
  • UW: Digital via iGO® e-App
  • Issue Ages: 18–80 (varies by term)
  • Face Amounts: $25k – $5M+
  • Renewable: to age 95
Riders
  • Terminal Illness (included)
  • Accidental Death Benefit
  • Children’s Rider
  • Income Protection Option (IPO)
  • Waiver of Premium
  • Monthly Disability Income (LB only)
  • Critical & Chronic Illness (LB only)
Quick Agent Process
  1. Pre-screen age/amount, build, nicotine, MVR.
  2. Quote Super vs LB.
  3. Submit iGO® e-App.
  4. Decision: instant, expedited, or additional reqs.
  5. Place: review billing & riders.
📂 Transamerica Term Resources Folder

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