INSURANCE AGENTS
TransAmerica
TransAmerica has a great final expense and Term product for simple issue products. The paper application is extremely long but the e-application takes about 25 to 30 minutes to complete.
TransAmerica has a great product for diabetics. The application does not ask about any complications associated with the diabetes.
Accepts the Direct Express Card. Many times they will not do a POS interview.
Final Expense:
Not Available in AK, HI, MT, WAF
inal Expense available in NY
Only Immediate Solution/10_pay in MA, MT
Immediate Solution:
Ages 0 to 85
Minimum Amount $1,000
Maximum Amount:
0-55 $50,000
56-65 $40,000
66-75 $30,000
76-85 $25,000
COPD Written Immediate
Riders:
Accelerated Death Benefit
with or without Nursing Home Option
10 Pay Solution:
Ages 0 to 85
Mimimum Amount $1,000
Maximum Amount:
0-55 $50,000
56-65 $40,000
66-75 $30,000
76-85 $25,000
Riders:
Accelerated Death Benefit
with or without Nursing Home Option
Easy Solution:
Ages 18 to 80
Mimumum $1,000 (PA $5,000)
Maximim $25,000
2-Year Graded
TrendSetter Term:
Not Available in NY
E-application available. No PHI required with the phone application.
Super YRT-Guaranteed renewable to age 95. Premiums Guaranteed for the First Five Years.
Starts at $100,000
Ages 18 to 80
Terms Available is 10, 15, 20, 25, and 30 years.
Ages start at 18 and go up to Age 80 but vary with length of the term. Guaranteed renewable to age 105.
Riders:
Waiver of Premium-Available at time of issue only
Issue Ages 15 to 55
Accident Indemnity-Available at time of issue only. Issues Ages 15 to 65.
Living Benefits:
Product provides living benefits and death benefits in one life insurance solution. A Guaranteed level premium insurance with Chronic, Critical, and Terminal Illness Accelerated Death Benefit.