Transamerica is one of the biggest names in life insurance — and their Final Expense Solutions portfolio is one of the most flexible on the market. Whether you're in great health or dealing with pre-existing conditions, they've built a product lineup that covers the full spectrum.
I've placed policies with Transamerica for clients across multiple states, and here's what you need to know about their final expense offerings.
Transamerica doesn't just offer one plan — they have three distinct solutions, each designed for different situations:
| Issue Ages | 18 – 85 |
| Coverage | $5,000 – $50,000 (ages 18–75) / $5,000 – $25,000 (ages 76–85) |
| Death Benefit | Full benefit from day one |
| Application | 100% digital — no paper |
| Decision Speed | 100% instant decisions, policy delivered in as fast as 10 minutes |
| Riders | Concierge Planning Rider (free), Accelerated Death Benefit + Nursing Home Rider |
This is Transamerica's flagship final expense product — fully digital, instant decisions, and policy delivery in as little as 10 minutes. If you want fast, hassle-free coverage, this is it.
The Concierge Planning Rider is a unique perk — it gives you (and your family) access to expert assistance with funeral planning, legal documents, estate planning, and more, all at no additional cost.
| Issue Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Death Benefit | Full benefit from day one |
| Application | Digital or paper |
| Riders | Accelerated Death Benefit + Nursing Home, Accidental Death, Children's/Grandchildren's Rider |
The Immediate Solution offers the most rider options, including the Children's and Grandchildren's Benefit Rider — you can add coverage for up to 9 kids/grandkids on the same policy. It also comes in a 10-Pay option, where you pay premiums for just 10 years and the policy is paid up for life.
| Issue Ages | 18 – 80 |
| Coverage | $1,000 – $25,000 |
| Death Benefit | Graded: Year 1 = 30%, Year 2 = 70%, Year 3+ = 100% |
| Waiting Period | 2-year graded period |
The Easy Solution is designed for people with more significant health conditions who wouldn't qualify for the other plans. The graded benefit structure means the payout increases over the first two years — but accidental death pays the full face amount from day one.
Transamerica's rates are competitive, though they tend to run slightly higher than Mutual of Omaha for most age groups. Your exact premium depends on your age, health, gender, and coverage amount.
Some key pricing notes:
Get a free personalized quote — I'll compare Transamerica side-by-side with other carriers for your specific age and health situation.
Transamerica final expense is a great choice if you:
As an independent agent, I can compare Transamerica with other carriers to find you the best rate. There's no cost, no obligation, and I work for you — not any insurance company.
👉 Schedule Your Free Consultation or call (919) 944-8443 to get started.