Aetna Senior Products: A Complete Rundown (2022)
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Feb 8, 2022
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Quick Facts
Aetna senior products focus on Medicare Supplement and whole life insurance
Aetna may sell insurance products to seniors under a different company name such as Continental Life Insurance Company
Aetna’s final expense insurance is affordable and comparable to the industry average
Seniors tend to have different needs for health insurance, life insurance, and most other insurance products. Thankfully, seniors can usually find everything they need with Aetna senior products.
Not all insurance companies are there for seniors and some might even take advantage of them. We’ll break down the best Aetna insurance plans for seniors and how they differ from traditional policies.
Keep reading to learn more about Aetna senior products or enter your ZIP code above to get free insurance quotes from the top insurance companies in your area.
Should I buy Aetna senior products?
Aetna is a popular insurance company that is owned by CVS Corporation. Aetna’s senior products may be listed under Continental Life Insurance Company or American Continental Insurance Company in some cases.
These companies are just smaller entities that specialize in Aetna senior supplemental insurance options. In addition, Aetna is also related to First Health Life and Health Insurance company alongside Coventry Health and Life Insurance Company which both offer Medicare supplement policies.
For starters, it’s helpful to know that Aetna and its various subsidiaries are all highly rated for financial strength. A.M. Best has rated Aetna with “A” ratings for financial strength and as a long-term credit issuer.
Currently, Aetna Insurance Company is stable and can be considered a reliable option for seniors.
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What Aetna senior products are available?
Aetna senior products are limited to two main products, Medicare Supplement and whole life insurance. More specifically, Aetna life insurance is considered final expense insurance for seniors.
Aetna Life Insurance Company isn’t as popular as the company’s health insurance entity, but it’s still a reasonable option for final expense life insurance. In short, final expense insurance is designed to cover funeral costs when the time comes.
If you’re a senior and you don’t already have a life insurance policy, it could be worthwhile to invest in final expense insurance to avoid putting a major financial burden on your children or other loved ones when your time comes.
Aetna’s Medicare Supplement could be a good option for seniors who need additional health insurance coverage beyond what their Medicare policy offers.
Aetna offers an assortment of Medicare Supplement options including:
Cancer/Heart Attack/Stroke
Dental/Vision/Hearing
Home Care
Hospital Indemnity
Recovery Care
The policies you choose should be based on your anticipated needs for health care. If you’re a senior and you’re in great health, you might only need to consider dental or vision supplemental insurance.
Contrarily, if you’re in poor health and are taking a variety of medications, it could be wise to invest in some of the other forms of Medicare Supplement offered by Aetna.
How much do Aetna senior products cost?
Aetna senior products can vary in price depending on the policies you choose if you buy the company’s Medicare Supplement insurance. You could expect some notable differences in the cost of recovery care versus dental or vision insurance.
Aetna’s whole life insurance is a bit more predictable by comparison. Below, you can get an idea of how much you would pay for Aetna’s final expense insurance.
With Aetna, seniors can purchase final expense insurance at a fairly reasonable price. While over $100 per month might seem like a lot, traditional term life insurance policies would cost significantly more for seniors each month.
Above, you can see about how much a burial insurance policy typically is. Aetna’s sample rates tend to be slightly cheaper than the average rates each month, so you should feel comfortable buying a policy and paying a reasonable price.
Of course, the best way to get the most affordable rates is to compare quotes from different insurance companies. While Aetna does appear to offer affordable final expense insurance, there may be cheaper options.
More About Aetna Senior Products
Overall, Aetna senior products seem to be accessible and affordable when compared to the industry standard. The amount you pay will depend on the policy you select and how much coverage you get.
Once you buy a policy, you should be able to make adjustments or find other details by using your Aetna senior products login or through the Aetna senior products email.
You can view claims, obtain duplicate ID cards, download forms, and more using your member login with Aetna. The company’s website appears to be user-friendly.
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Aetna Senior Products: The Bottom Line
Aetna is a popular company that is well-known for providing various insurance products. Aetna senior products are available to help overcome any Medicare deficiencies or to help avoid any financial burden related to a funeral.
By now, you should have a better idea of what is available through Aetna senior products. Before you go, be sure to enter your ZIP code to get free quotes from the top insurance companies in your area.
