Aetna/American Continental Life Insurance Company

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A.M. Best Rating:
A
Excellent
S&P Rating:
AA-
Superior
BBB Rating:
A+
Excellent

About Aetna/American Continental Life Insurance Company

American Continental Customer Service Number: (844) 458-1593

Aetna Customer Service Number: (800) 264-4000

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/American Continental Life Insurance Company Details
A.M. Best Rating:A
S&P Rating:AA-
BBB Rating:A+
Phone800-872-3862
Websitewww.aetna.com
Address

American Continental Insurance Co
800 Crescent Centre Drive, Suite 200
Franklin, Tennessee 37067

Our review for Aetna/American Continental Life 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/American Continental Life 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 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 Term 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 Term 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:
Signature Guaranteed UL Brochure

Aetna/American Continental Life Insurance Company Reviews

The following reviews are published by True Blue Life Insurance customers, after purchasing a life insurance policy issued by Aetna/American Continental Life Insurance Company.
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OR nte.New_testimonials_engines_id is NULL) [1] => AND c.code = :company ) Time: 0.025083065032959
Jul. 19th, 2020
Product:
Aetna/American Continental Life Insurance Company final expense
Policy length:
Whole Life Life Insurance
True Blue agent:
Cheryl Schlenkert
July 19th, 2020
Freda Wheatcraft Verified
Valdese, North Carolina
It was an easy process and the company has been around for many years and has a stable history.
Was this review helpful?
Product:
Aetna/American Continental Life Insurance Company final expense
Policy length:
Whole Life Life Insurance
True Blue agent:
Cheryl Schlenkert

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