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Transamerica
Term Life Insurance
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Term Life America Insurance
is proud to offer
Transamerica
Term Life Insurance.
Solid resources backed by a combination of innovative products and
service beyond expectations.
Policy Features For New York
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Trendsetter® Super Series |
Transamerica Financial Life Insurance Company - Trendsetter®
Super Series Product Features | |
State Approvals |
Available in NY | |
Type |
Trendsetter Super 10, 15, 20, and 30 are level death benefit
term life insurance policies guaranteed renewable to the
insured’s age 80 with premiums guaranteed level for the
first 10, 15, 20, and 30 years, respectively. Premiums
increase annually until age 80 once the original level
premium period ends. | |
Conversion Options |
The conversion option is included on all Trendsetter
products. This option allows the policy owner to change his
or her Trendsetter policy to a level face amount whole life,
universal life, or variable universal life insurance policy
that is made available by Transamerica Financial Life
Insurance Company at the time of the exchange. No
underwriting will be required if the exchange is to a
permanent policy with the same, or lower, face amount. The
new policy will be issued at the same class of risk as the
inforce policy, if available. If such a class is not
available at the time of conversion, the new policy will be
issued at the class of risk that is most similar to the
class of risk as the in-force policy. Actual premiums on
this new policy will be based on the schedule in effect when
the option is exercised. (To qualify for a better class of
risk, full underwriting evidence may be required.) This
option must be exercised as follows:
Trendsetter Super 10—will be the later of the two
options below:
1. The earlier of the 70th birthday (age
75 for Preferred Plus) or the end of the initial level
period.
2. Twelve months after the policy issue date.
Trendsetter Super 15, 20, and 30—will be the earlier of
age 70 (age 75 for Preferred Plus) or the end of the initial
level period. Upon exercise of this option, full first year
commissions will be paid on the new policy. | |
Issue Ages |
Age Last Birthday
Trendsetter Super 10: 18-70
Trendsetter Super 15:
18-65
Trendsetter Super 20: 18-60
Trendsetter Super 30: 18-50 (nonsmokers); 18-45
(smokers) $250,000 - 500,000 $500,000 - 999,999 $1,000,000
and up Trendsetter Super 15, 20, and 30 $100,000 - 499,999
$500,000 - 999,999 |
Face Amounts
Min/Max |
Trendsetter Super 10:
$100,000-249,999
$250,000-500,000
$500,000-999,999
$1,000,000 and up
Trendsetter Super 15, 20, and 30:
$100,000-499,999
$500,000-999,999
$1,000,000 and up | |
Modal Factors |
Semi-annual = .52
Quarterly = .265
Monthly = .0875 | |
Policy Fee |
Trendsetter Super 10: $115
Trendsetter Super 15:
$140
Trendsetter Super 20: $140
Trendsetter
Super 30: $120
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Special Product
Features |
Riders:
Waiver of Premium
Accidental Indemnity
Children's
Rider |
Back To Top
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Underwriting Guidelines -
New York
Transamerica Financial Life Insurance Company -
Trendsetter®
Super Series | |
Classes |
Preferred Plus
Preferred Nonsmoker
Preferred Smoker
Standard Plus Nonsmoker
Standard Nonsmoker
Standard
Smoker | |
Re-entry |
The Re-entry option (also known as Conditional Exchange) is
included only with the Trendsetter Super 10 and 15. This
option allows the insured to replace his or her current
policy with a new Trendsetter policy or the most similar
contract available at the time of exchange, at those rates
in effect on the date of the exchange. The insured must
provide complete new evidence of insurability and, if
qualified, a new policy will be issued.
This option is available as follows:
Trendsetter Super 10
10th anniversary
Trendsetter Super 15 15th anniversary
Full first-year commissions will be paid on the new policy
if this option is exercised. | |
Tobacco Definition |
Preferred Plus: no tobacco or nicotine use of any kind
for five years
Preferred Nonsmoker: no tobacco or nicotine use of any
kind for 36 months
Standard Plus: no tobacco or nicotine use of any kind
for 12 months
Standard Nonsmoker: no tobacco or nicotine use of any
kind for 12 months. |
Special Underwriting
Features |
For consideration as Preferred Plus:
Cholesterol: Total must be 230 or less
Cholesterol/HDL ratio must be 5.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 140/85.
No current treatment for
hypertension.
Prior treatment O.K. if discontinued more
than 2 years ago.
Family History: No family deaths before age 60 of
cardiovascular disease or cancer of either parent or any
sibling.
Personal History: Any disorder or activity that would
have an adverse impact on mortality.
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse at any time.
For consideration as Preferred Nonsmoker:
Cholesterol: Total must be 260 or less
Cholesterol/HDL ratio must be 6.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 145/90.
Family History: No family deaths before age 60 of
cardiovascular disease or cancer of either parent.
Personal History: No heart or vascular disease,
diabetes, cancer (except certain skin cancers), chronic
kidney or liver diseases. No major depression in the past 5
years.
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse at any time.
For consideration as Standard Plus:
Cholesterol: Total must be 300 or less
Cholesterol/HDL ratio must be 7.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 152/90.
Family History: No family deaths before age 60 of
cardiovascular disease of either parent.
Personal History: No heart or vascular disease,
diabetes, cancer (except certain skin cancers).
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse in 10 years.
For consideration as Preferred Smoker:
Cholesterol: Total must be 300 or less
Cholesterol/HDL ratio must be 7.0 or less with or without
treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 152/90.
Family History: No family deaths before age 60 of
cardiovascular disease of either parent.
Personal History: No heart or vascular disease,
diabetes, cancer (except certain skin cancers).
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 5 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse in 10 years.
For consideration as Standard Non-Smoker/Standard Smoker:
Cholesterol: No limit
Cholesterol/HDL ratio must be
8.0 or less with or without treatment.
Blood Pressure: All ages; average readings in the past 2
years must not exceed 156/92.
Family History: No family deaths before age 60 of
cardiovascular disease of both parents.
Driving History: No more than 2 moving violations in the
past 3 years AND no convictions for operating a motor
vehicle while under the influence of alcohol or drugs, or
reckless driving in the past 3 years.
Alcohol/Substance Abuse: No history of treatment for
alcohol or substance abuse in 7 years.
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A |
Nonmed | |
B |
Call Underwriting for requirements | |
C |
Paramed, Blood Profile, Urinalysis | |
D |
Blood Profile, Urinalysis, EKG, Physician Exam | |
E |
Paramed, Blood Profile, Urinalysis, EKG | |
F |
Blood Profile, Urinalysis, EKG, Physician
Exam, Inspection Report | |
G |
Paramed, Blood Profile, Urinalysis | |
H |
Paramed, Blood Profile, Urinalysis | |
I |
Blood Profile, Urinalysis, EKG, Physician Exam | |
J |
Blood Profile, Urinalysis, EKG, Physician Exam | |
K |
Blood Profile, Urinalysis, Physician Exam, Treadmill
EKG, Inspection Report | |
L |
Paramed, Blood Profile, Urinalysis, EKG |
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TermLifeAmerica.com-
Lewis Fink is licensed as an insurance agent offering Life Insurance in
the following states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE, District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
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