Aetna-affiliated final expense options
Aetna-affiliated Accendo Insurance Company and Continental Life Insurance Company of Brentwood, Tennessee offer separate final-expense whole life products. Compare the issuing company and plan type shown on your quote rather than treating every Aetna-affiliated policy as the same coverage.
The Continental Life brochure describes a level-benefit plan. Accendo’s brochure describes level and modified plans; the modified plan has a reduced non-accidental death benefit in its first two policy years. Health questions and underwriting affect which plan may be offered. A medical exam may not be required, but acceptance is not guaranteed. Ask us to explain the applicable death benefit, exclusions, premium and any policy loans before applying.
The approaches solve the need differently
A prepaid funeral arrangement funds a defined contract with a provider. Final expense life insurance pays a death benefit to the named beneficiary, who can use it for funeral costs and other eligible final expenses.
Compare flexibility and portability
Insurance proceeds may offer more flexibility if plans, locations, or costs change. A prepaid arrangement may provide price certainty for specified services, but the contract's transfer, cancellation, and refund terms deserve careful review.
Choose around the full plan
Consider the expected costs, the beneficiary who will manage arrangements, current savings, health eligibility, premium affordability, and the strength of any funeral provider or insurance carrier before deciding.
Helpful resources
Coverage, eligibility, and plan terms vary by carrier and state. This article is general information, not a promise of coverage or individualized financial advice.
