About Aetna Insurance Company
American Continental Insurance Company was founded in Brentwood, Tennessee in 2005 and provides life, health and medicare supplement insurance policies. The company became part of the Aetna family in 2011. ACI has an unwavering commitment to providing the best personal service possible, quick claims payment, and quality products with solid financial backing.
Both companies have a financial strength rating of "A" (Excellent) from A.M. Best (as of November 18, 2011).
Aetna is one of the nation’s leading diversified health care benefits companies, serving an estimated 40.3 million people with information and resources to help them make better-informed decisions about their health care. Aetna offers a broad range of traditional, voluntary and consumer-directed health insurance products and related services, including medical, pharmacy, dental and behavioral health plans, and medical management capabilities, Medicaid health care management services, workers’ compensation administrative services and health information technology products and services.
| Aetna Insurance Company Details | ||
|---|---|---|
| A.M. Best Rating: | A | |
| S&P Rating: | AA- | |
| BBB Rating: | A+ | |
| Phone | 800 264.4000 | |
| Website | www.aetnaseniorproducts.com | |
| Address | American Continental Insurance Co | |
Our review for Aetna Insurance Company
As part of Aetna, American Continental is a fantastic company. The company is financially one of the most substantial life insurance companies in the industry.
American Continental offers three final expense whole life products.
- Level Benefit
- Graded Benefit
- Modified Benefit
The Level Benefit product is one of the best-priced policies that offer immediate death benefits, and the Modified and Graded products are great as well.
The customer support is excellent, and we like working with them.
Products of Aetna Insurance Company
Signature Term - No Med
This product is one of our most popular no medical exam products.
The medical exam requirement is waived for coverage amounts under $250,000. The maximum coverage amount is dependent on your age.
Living benefits are included free of charge and are the most comprehensive living benefits offered.
Terminal, chronic and critical illness riders allow you to withdraw the death benefit if you are disabled, have a major medical problem, or are diagnosed with less than 24 months to live.
This is a great product for those that have some medical conditions.
The application takes 30 minutes over the phone and digital signature is required to submit.
| Signature Term - No Med Details | ||
|---|---|---|
| Length of coverage: | 10, 15, 20, or 30 year | |
| Minimum coverage: | $50,000 | |
| Maximum coverage: | $250,000 | |
| Estimated time to approval: | 7 - 14 days | |
| Product features: | ||
| Brochure: | ||
Signature Term
Signature Term product is a great product that offers “living benefits” — benefits you can use while still alive.
The product is competitively priced, and the underwriters at American National do an amazing job of offering insurance to people with a medical history.
The application is thorough and takes about 30 minutes to complete. The company may request medical records from your physicians in order to make a decision.
| Signature Term Details | ||
|---|---|---|
| Length of coverage: | 10, 15, 20, or 30 year | |
| Minimum coverage: | $50,000 | |
| Maximum coverage: | $1,000,000+ | |
| Estimated time to approval: | 7-21 days | |
| Product features: | ||
| Brochure: | ||
Signature Simplified Issue Term
This is our go-to product in many scenarios. It includes free living benefit riders which make the product not only a life insurance policy, but also a disability or long term care policy. The benefits are not as comprehensive as stand only disability or long term care policies, though it is a valuable add-on that normally carries a large price.
This product often offers the best price after considering the health conditions of applicants.
The application takes 25 minutes to complete over the phone.
| Signature Simplified Issue Term Details | ||
|---|---|---|
| Length of coverage: | 10, 20, or 30 year | |
| Minimum coverage: | $100,000 | |
| Maximum coverage: | $1,000,000+ | |
| Estimated time to approval: | 1 - 2 days | |
| Product features: | ||
| Brochure: | ||
Signature Guaranteed UL
Signature Guaranteed UL can insure you to age 95 to 121, with a guaranteed death benefit. The application only takes about 25 minutes over the phone, and the service is exceptional.
This product comes with Critical and Chronic Illness riders, free of charge.
| Signature Guaranteed UL Details | ||
|---|---|---|
| Length of coverage: | Whole life | |
| Minimum coverage: | $25,000 | |
| Maximum coverage: | $250,000 | |
| Estimated time to approval: | 7 - 14 days | |
| Product features: | ||
| Brochure: | ||
Aetna Insurance Company Reviews
The following reviews are published by True Blue Life Insurance customers, after purchasing a life insurance policy issued by Aetna Insurance Company.
