For clients concerned with protecting their families from the high costs of settling final expenses, Transamerica Occidental Life Insurance Company offers a guaranteed whole life insurance product designed to help meet those concerns.     Our Final Expense whole life insurance policy offers a cost-effective means to provide cash to help cover: Funeral expenses that commonly range from $5,000 to $10,000 and can create a significant burden on loved ones. Settling of debts such as credit card balances, car loans, and mortgages. Legal costs associated with probate, taxes, and other estate matters. Completion of schooling for children whose higher education might otherwise be interrupted due to a lack of funds. Unlike burial protection packages offered by mortuaries, Final Expense Insurance does not dictate how death benefit proceeds must be allocated. Final Expense Insurance also competes well against advertised guaranteed issue products because it is underwritten on a simplified issue basis. As you work with clients to provide for their future financial objectives, remember that Final Expense insurance from Transamerica Occidental Life can be an important part of a well-structured portfolio of insurance coverage. Disclaimer Final Expense life insurance is a non-participating, guaranteed whole life insurance contract (Contract Form #1-109 11-188) with a level death benefit, issued by Transamerica Occidental Life Insurance Company, Cedar Rapids, IA 52499. Premiums are level and paid for the life of the contract. The contract endows at the insured’s age 100. Policy form and number may vary, and policy may not be available in all jurisdictions. In most states, in the event of a suicide during the first two policy years, death benefits are limited only to the return of premiums paid. Suicide is no defense to payment of life insurance benefits nor is suicide while insane a defense to payment of accidental death benefits, if any, under this policy where the policy is issued to a Missouri citizen, unless the insurer can show that the insured intended suicide when s/he applied for the policy, regardless of any language to the contrary in the policy. Request Information Transamerica Occidental Life Insurance Company Robert Hartwell, General Agent Hartwell Financial and Insurance Services, Plainfield, IL. Licensed in Illinois, Indiana, Nebraska, Arizona, California, Florida, Louisiana, Ohio, Iowa, Missouri, and Pennsylvania. California Insurance License 0C65527, IL License 354481293