Carrier Ratings

A (Excellent)

AM Best Rating

Analysis Report AM Best

A (Excellent)

Analysis Report Standard & Poor

Available Life Products

Term Life Insurance

Transamerica offers guaranteed term insurance policies for 10 - 15 - 20 - 25 and 30 years. (At PolicyWand, we allow you to quote coverage for 10 - 15 - 20 and 30 year term). Premiums are guaranteed for the life of the term product. You can purchase between $25k and $10 million in coverage with through Transamerica.

Whole Life Insurance

Transamerica offers guaranteed cash value, guaranted level premiums along with non-guaranteed dividends to help you achieve your financial goals.


Transamerica offers this flexible universal life product that allows you to accumulate wealth within the S&P 500 without the negative risk associated with the market.

Final Expense Whole Life Insurance

Transamerica offers this policy to help pay for final expenses associated with death. Between the ages of 0 - 55 you may be eligble for up to $50,000 in coverage. Between the ages of 56 - 65 you may be eligible for up to $40,000 in coverage. Between the ages of 65 - 75 you may be eligible for up to $30,000 Between the ages of 76 - 85 you may be eligible for up to $25,000.

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No-Exam Options

Transamerica offers up to $2 million in coverage without having to complete a medical exam.

  • Your eligibility may depend upon the answers to the health questions on your application
  • No exam options are only available for Transamerica Term Life Products.

Available Riders


When available, this rider pays an additional benefit up to $300,000 if the insured dies from accidental bodily injury.

Children's Benefit Rider

When availabe, this rider provides a benefit for all children of the insured up to their 25th birthday. The benefit limit is 25 units per policy spread out amongst all your children.


When available, allows you to accelerate a portion of your death benefit in advance of death. You can accerate 100% of your death benefit up to $1.5 million dollars.


When available, this rider credits the cost of your policy in the event of your Total Disability

Long Term Care Rider

Where available, this rider is designed to accelerate the death benefit to help offset the expenses associated with Qualified Long Term Care Services.

Conversion Options

If available in your state, Transamerica will allow you to convert your term policy at the same class you were originally quoted regardless of your current health. You may convert any portion of your death benefit into any permanent policy offered by Transamerica. If you are rated at preferred plus you may convert your term policy up to your age of 75. For any other rate class you may convert your policy up until your age of 70.

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Have Questions?

Ask Wandy!

Sometimes we want answers right away and we don’t want to speak to a live person. That’s why Wandy is here. Wandy is your virtual insurance agent and he’s here to help. Click here to visit with Wandy now.

Live Agent Support

You might not always want to do everything on your own. So if you’ve got questions, PolicyWand agents are here to help. Feel free to call or text at 321-521-4340 or you can chat with us by clicking here. Don’t worry, our agents aren’t commissioned so this won’t feel like a sales interaction. We’re simply here to help!

Life Insurance Calculator

Not sure how much life insurance you need? Try our EZ Calculator tool by clicking here. If you want a more custom life insurance evaluation you can click here for our more comprehensive calculator tool.