Transamerica & Everest Funeral Concierge

Take advantage of a suite of services through the Concierge Planning Rider from Everest Funeral Concierge.1 This rider is intended to be 24/7/365 funeral planning and concierge services included on all policies, if available in your jurisdiction, at no additional premium cost. Everest’s Sr. Advisors are licensed funeral directors who provide personalized funeral plans and price negotiation assistance. Independent and not associated with any funeral home, burial, or cremation provider, Everest works with any funeral home, anywhere in the world. The Concierge Planning Rider2 from Transamerica is designed to make funeral planning simpler and potentially less expensive. 

Accelerated Death Benefit Riders 

Available on the Immediate Solution and 10-Pay Solution at no additional premium cost: 

Transamerica’s Accelerated Death Benefit Rider (ADBR) provides an accelerated death benefit that is paid instead of the cash value or death benefit on an insured’s policy. The ADBR can be used to help pay for medical or nursing home expenses resulting from a medical condition from an injury or illness as determined by a physician.

Transamerica’s ADBR requires satisfactory proof of the insured’s qualifying event while the policy and rider are in force. This calls for a completed request and a physician’s statement. We may request additional medical information from the physician who submits the statement.

Accelerated Death Benefit Rider with Nursing Home Benefit (NHB). (Subject to state availability.) This rider pays the face amount, less an interest discount, less any loans, less administrative charge, less any premiums that would be due in the next year upon diagnosis of a qualifying event or confinement in a qualified nursing home facility. This rider is not available if you need any assistance in performing daily living activities at the time of application. 

Accelerated Death Benefit Rider (ADBR). (For Florida only.) This rider pays the face amount, less an interest discount, less any loans, less any administrative charge, less any premiums that would be due in the next year upon diagnosis of a qualifying event. Eligibility requirements apply. Accelerated death benefits will be available when the insured has been diagnosed with a qualifying event, as described in the rider, while the policy and the rider are in force. Benefits advanced under this rider may be subject to taxation. Limitations and exclusions apply. Refer to the rider for complete details. 

Terminal Illness Accelerated Death Benefit Rider (Tir) For California Only

Insured can accelerate up to 100% of the face amount, less an interest discount, less any loans, less any administrative charge, less any premiums that would be due in the next year, if death is expected within 12 months receipt of a physician’s statement. 

Accidental Death Benefit Rider (Adr)

Optional Rider: Available only on the Immediate Solution for issue ages 18–70. This rider provides for payment of an amount in addition to the face amount of the policy in the event of accidental death resulting directly and independently of all other causes from an accident, as defined in the rider, subject to the definitions and exclusions set out in the rider. Death must occur within 90 days from the accidental bodily injury, while the policy is in force. The additional accidental death benefit amount is equal to the base face amount. 

Children’s And Grandchildren’s Benefit Rider (Cgr)

Optional Rider: This rider provides level term insurance, with conversion feature, for the children/grandchildren named in the rider. Available only on the Immediate Solution for issue ages of parent/grandparent 18–75 and child/grandchild issue ages 15 days old to 18 years. The minimum death benefit is $1,000, the maximum death benefit is equal to the base face amount or $5,000, whichever is less. No more than nine covered children/grandchildren may be covered under this rider.