Transamerica Occidental Life Insurance Company
Ratings Information
| Rating Agency | Rating Category | Rating |
| A.M. Best | Financial Strength | A+ |
| Standard & Poor's | Financial Strength | AA |
| Moody's | Financial Strength | Aa3 |
| Fitch | Financial Strength | AA+ |
Term Life Insurance Products Information:
| Product Name | Conversion Option | Face Amounts | Other Features | |
| Trendsetter®
Super 10 Trendsetter® Super 15 Trendsetter® Super 20 Trendsetter® Super 25 Trendsetter® Super 30 |
The conversion option is included on all Trendsetter® Super Series products. This option allows the policyowner to exchange his or her Trendsetter® Super Series policy for a universal life or variable universal life insurance policy that is made available by Transamerica Occidental 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 in-force policy, if available. (To qualify for a better class of risk, full underwriting evidence may be required.) Conversion option must be exercised by the insured's 70th birthday (age 75 for Preferred Plus class). | Band 1: $100,000-$249,999 Band 2: $250,000-$499,999 Band 3: $500,000-$999,999 Band 4: $1,000,000+ Preferred Plus class minimum face amount is $250,000 |
Waiver of
Premium Rider Conditional Exchange (only available on the Super 10 and Super 15) Accelerated Death Benefit- Benefits advanced under this option may be taxable. Age-last-birthday issue age |
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| Term Lengths | 5 Year Term Life Insurance | 10 Year Term Life Insurance | 15 Year Term Life Insurance | 20 Year Term Life Insurance | 25 Year Term Life Insurance | 30 Year Term Life Insurance |
| Issue Ages | Not Available | 18-80 | 18-73 (nonsmokers); 18-70 (smokers) | 18-65 (nonsmokers); 18-60 (smokers) | 18-55
(nonsmokers); 18-50 (smokers) Not available in IL, MA, NJ, NY, VT, WA |
18-50 (nonsmokers); 18-45 (smokers) |
State Approvals:
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| State | Approved? | State | Approved? | State | Approved? | State | Approved? |
| Alabama Term Life Insurance | Yes | Illinois Term Life Insurance | Yes | Montana Term Life Insurance | Yes | Rhode Island Term Life Insurance | Yes |
| Alaska Term Life Insurance | Yes | Indiana Term Life Insurance | Yes | Nebraska Term Life Insurance | Yes | South Carolina Term Life Insurance | Yes |
| Arizona Term Life Insurance | Yes | Iowa Term Life Insurance | Yes | Nevada Term Life Insurance | Yes | South Dakota Term Life Insurance | Yes |
| Arkansas Term Life Insurance | Yes | Kansas Term Life Insurance | Yes | New Hampshire Term Life Insurance | Yes | Tennessee Term Life Insurance | Yes |
| California Term Life Insurance | Yes | Kentucky Term Life Insurance | Yes | New Jersey Term Life Insurance | Yes | Texas Term Life Insurance | Yes |
| Colorado Term Life Insurance | Yes | Louisiana Term Life Insurance | Yes | New Mexico Term Life Insurance | Yes | Utah Term Life Insurance | Yes |
| Connecticut Term Life Insurance | Yes | Maine Term Life Insurance | Yes | New York Term Life Insurance | No | Vermont Term Life Insurance | Yes |
| Delaware Term Life Insurance | Yes | Maryland Term Life Insurance | Yes | North Carolina Term Life Insurance | Yes | Virginia Term Life Insurance | Yes |
| Dist. of Columbia Term Life Insurance | Yes | Massachusetts Term Life Insurance | Yes | North Dakota Term Life Insurance | Yes | Washington Term Life Insurance | Yes |
| Florida Term Life Insurance | Yes | Michigan Term Life Insurance | Yes | Ohio Term Life Insurance | Yes | West Virginia Term Life Insurance | Yes |
| Georgia Term Life Insurance | Yes | Minnesota Term Life Insurance | Yes | Oklahoma Term Life Insurance | Yes | Wisconsin Term Life Insurance | Yes |
| Hawaii Term Life Insurance | Yes | Mississippi Term Life Insurance | Yes | Oregon Term Life Insurance | Yes | Wyoming Term Life Insurance | Yes |
| Idaho Term Life Insurance | Yes | Missouri Term Life Insurance | Yes | Pennsylvania Term Life Insurance | Yes |
Are you paying too much for life insurance? Or perhaps worse... you don't have any? If you have dependents or other people with whom you share your life, life insurance can play a vital and valuable role at virtually every stage of your life.