---
title: Transamerica Life Insurance Review (2026): Products and Facts
url: https://coverfolk.com/reviews/transamerica
updated: 2026-10-08
---

# Transamerica life insurance review

Updated October 8, 2026[Fact checked](/editorial-standards)

At a glance**Transamerica**

* Immediate SolutionAges 0 to 85
* 10 Pay SolutionAges 0 to 85
* Easy SolutionAges 18 to 80

Financial strength: AM Best affirmed an A (Excellent) rating for Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company on February 13, 2026, with a stable outlook.

The short answer

Transamerica Life Insurance Company sells final expense whole life and term life, mostly through agents. Its final expense line includes plans with full coverage from day one and a simpler plan with a limited benefit in the first 2 years.

## What Transamerica sells

| Product | What it is | Ages | Coverage |
| --- | --- | --- | --- |
| **Immediate Solution** | Final expense whole life with health questions. Full benefit from day one. | 0 to 85 (per 2018 agent guide) | $1,000 to $50,000. Max drops with age: $25,000 at 76 to 85 (per 2018 agent guide) |
| **10 Pay Solution** | Final expense whole life paid up in 10 years. | 0 to 85 (per 2018 agent guide) | $1,000 to $50,000, same age limits as Immediate Solution (per 2018 agent guide) |
| **Easy Solution** | Final expense whole life with easier health questions. Limited benefit in the first 2 years. | 18 to 80 (per 2018 agent guide) | $1,000 to $25,000 (per 2018 agent guide) |
| **Trendsetter Super** | Term life of 10, 15, 20, 25 or 30 years. Level price during the term. Can convert to permanent. | 18 to 80 | $25,000 to $10 million and up |

## Key facts

* Financial strength: AM Best affirmed an A (Excellent) rating for Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company on February 13, 2026, with a stable outlook.
* Easy Solution waiting period: in years 1 and 2, death from non accidental causes pays 110% of premiums paid, minus any loan. In PA, NV and AR it pays 30% of the face amount in year 1 and 60% in year 2. Accidental death pays the full amount. (Transamerica agent guide, form 84405, about 2018.)
* Trendsetter Super pricing: the price stays the same for the whole first term. After the term ends, the price goes up every year. (Transamerica consumer guide, April 2021.)
* Trendsetter Super: up to $2 million may be issued without a medical exam at some ages, based on your health answers. A terminal illness benefit is included.
* In New York, products are issued by Transamerica Financial Life Insurance Company.
* Complaint data: you can look up this company's complaint record on the NAIC Consumer Insurance Search site. We did not pull a complaint index number for this page.

## Watch out for

* Easy Solution limits the benefit for non accidental death in the first 2 years, and in PA, NV and AR it pays only part of the face amount.
* Trendsetter Super prices go up every year after the level term ends.
* Transamerica's consumer product pages blocked our access, so the final expense details here come from older Transamerica agent documents. Confirm current ages and amounts before you buy.

## Who it may fit

* People who can answer health questions and want final expense coverage with full benefit from day one.
* People who want to pay off a final expense policy in 10 years.
* Working age adults who want level term for 10 to 30 years.

Want to compare? A licensed agent can quote Transamerica next to other companies so you see the full picture. Check any company's complaint record with the [NAIC Consumer Information Source](https://content.naic.org/cis_consumer_information.htm).

## Common questions

Does Transamerica final expense have a waiting period?

Immediate Solution pays the full benefit from day one. Easy Solution has a limited benefit for non accidental death in the first 2 years.

What happens when Trendsetter term ends?

The price goes up every year after the level term. You can also convert to permanent coverage without a new medical exam.

How big is the term coverage?

Transamerica lists $25,000 to $10 million and up for Trendsetter Super, for ages 18 to 80.

## Sources

1. [Transamerica: Final Expense Guide (agent use, form 84405)](https://ani.transamerica.com/ani/Uploads/Pages/41443/84405_COB0118_Final%20Expense%20Guide_FINAL.pdf)
2. [Transamerica: Consumer Guide to Trendsetter Super Series (133039R2, 04/21)](https://ani.transamerica.com/ani/Uploads/Pages/50093/133039R2_0421_Consumer_Guide_to_Transamerica_Trendsetter_Super_Series_D.pdf)
3. [AM Best Affirms Credit Ratings of Members of Aegon Ltd.'s U.S. Subsidiaries, Feb. 13, 2026](https://www.businesswire.com/news/home/20260213665353/en/AM-Best-Affirms-Credit-Ratings-of-Members-of-Aegon-Ltd.s-U.S.-Subsidiaries)
4. [NAIC Consumer Insurance Search (complaint lookup)](https://content.naic.org/cis_consumer_information.htm)