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Continental Life Insurance coverage Evaluation [2022]| QuickQuote®


Rachael Brennan has been working within the insurance coverage business since 2006 when she started working as a licensed insurance coverage consultant for twenty first Century Insurance coverage, throughout which era she earned her Property and Casualty license in all 50 states.
After a number of years she expanded her insurance coverage experience, incomes her license in Well being and AD&D insurance coverage as nicely. She has labored for small well being in…

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Benjamin Carr was a licensed insurance coverage agent in Georgia and has two years’ expertise in life, well being, property and casualty protection. He has labored with State Farm and different danger administration corporations. He’s additionally a strategic author and editor with a background in branding, advertising and marketing, and high quality assurance. He has been in army newsrooms — actually on the frontline of journalism.

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Benji Carr


Former Licensed Life Insurance coverage Agent

Benji Carr

UPDATED: Apr 27, 2022

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Firm Particulars 
Deal with1021 Reams Fleming Blvd. Franklin TN, 37064
Father or mother FirmAetna
Web sitewww.aetna.com
Cellphone Quantity800-264-4000

When you’re a senior, that your well being plan is a high precedence. Medicare is a vital device in guaranteeing seniors have entry to the life insurance coverage they want of their golden years.

Typically Medicare doesn’t cowl all the prices you’ve. There are deductibles, co-pays, and different prices that aren’t included in your Medicare insurance coverage. Continental Life Insurance coverage Firm of Brentwood, Tennessee, gives supplemental insurance coverage to Medicare, so seniors don’t skip a beat of their care.

Who’s Continental Life Insurance coverage?

Continental Life Insurance coverage of Brentwood, Tennessee joined Aetna’s Senior Supplemental insurance coverage basis in 1983. Quickly after, the Continental Insurance coverage Firm was established.

In 2011, Aetna, Continental Life Insurance coverage, and American Continental Insurance coverage merged to make up the ultimate Aetna Senior Supplemental Insurance coverage. The trio has grown right into a profitable firm with greater than 30,000 licensed brokers nationwide.

The businesses supply quite a lot of plans:

  •  Medicare complement;
  • Last expense complete life insurance coverage; and one thing referred to as.
  • The Safety Sequence

Under is an instance of the minimal protection wanted.

Preserve studying to study extra about these plans and what Continental Life insurance coverage is.

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Is Continental Life a part of Aetna?

Sure, the American Continental Insurance coverage Firm is a subsidiary of Aetna. Aetna acquired Continental Life in 2011. Presently, Continental Life, American Continental Insurance coverage joined Aetna to collaborate with Medicare supplemental insurance coverage.

So, to the query, “Is American Continental Insurance coverage the identical as Aetna?” Sure, and sort of a giant half.

Aetna is without doubt one of the nation’s main “diversified well being care advantages” corporations, because it calls itself. Aetna presently serves tens of millions of seniors corresponding to offering Medicare Complement insurance coverage. They’re largely in a position to do this with the attain of their subsidies.

Is Continental medical insurance?

Signing on with the Continental Life Insurance coverage Firm, you would wish to fill out a Discover to Applicant Concerning Substitute of Medicare Complement Insurance coverage or Medicare Benefit Type. This permits recipients to obtain new or altering protection beneath the federal government. That is one in every of a number of methods to safe hole protection for Medicare.

It’s a change in federal protection that must be recorded.

Continental Life Insurance coverage gives a full vary of merchandise and protection varieties:

  • Medicare Complement is a life insurance coverage protection that provides seniors some continuity of their insurance coverage. It helps be sure to can keep on the identical physician’s workplace and go to the identical hospitals.
  • The Safety Sequence gives an expansive insurance coverage bundle that features most cancers/coronary heart assault/stroke protection, dental/imaginative and prescient/listening to, dwelling care, hospital indemnity, and restoration care.
  • Complete life insurance coverage protection, in all probability probably the most acquainted of the three, covers the monetary stressors that come after the funeral payments are handed out. Last expense complete like insurance coverage permits individuals to personalize their life insurance coverage.

Continental Life Insurance coverage sells six completely different plans to its protection space. They’re sort of exhausting to comply with together with, so we are going to hit them briefly with prolonged info within the hyperlinks.

Plans which are offered by way of Continental Life:

  • Plan A
  • Plan B
  • Plan F
  • Excessive Deductible Plan F
  • Plan G
  • Plan N

A great rule to comply with as you’re going by way of these on-line is that the protection will get extra advanced because it goes by way of the alphabet. Continental Life Insurance coverage Firm’s primary set of coverages, corresponding to Medicare Plan A,  versus the far more complete plans corresponding to Plan F or Plan G.

For instance, a Supplemental Plan A offers:

Medicare Half A coinsurance and hospital prices – as much as a further 12 months after Medicare advantages are used; Medicare Half B coinsurance or copayment; Blood – the primary 3 pints which may be wanted every year;
Medicare Half A hospice care coinsurance or copayment
The entire different insurance policies can have these identical protection classes, however they’ll add different safety.

Take a look at this desk beneath that lays out the protection of three of the assorted Medicare complement insurance coverage choices from Continental Life Insurance coverage.

Continental Life Insurance coverage Firm offers Medicare Complement insurance coverage protection within the following states:

  • Delaware
  • Georgia
  • Idaho
  • Iowa
  • Louisiana
  • Minnesota
  • Rhode Island
  • Wisconsin

Continental Life gives Plans F, G, and N in most states. These plans are federally standardized, which implies all carriers should supply the identical advantages.

This makes purchasing round straightforward and simple to check charges.

What are the corporate charges for purchasing a life insurance coverage coverage?

Although charges will range relying on ZIP code, gender, age, and well being. Costs are topic to alter, although this quote demonstrates averages.

  • Plan A: $103.13
  • Plan F: $151.02
  • Plan G: $119.87
  • Plan N: $95.63

Once more, all Medicare dietary supplements are federally standardized. Because of this suppliers should supply the identical advantages. Make sure you analysis what essential elements needs to be driving your Medicare complement resolution.

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Is Aetna supplemental insurance coverage good?

Continental Life Insurance coverage Firm is headquartered in Brentwood, Tennessee, for the reason that Eighties. It has a robust and secure monetary backing and is understood for assembly its commitments.

Aetna has been round for almost 100 years longer than that. In 1853, Aetna Insurance coverage Firm was based because it separated from its mum or dad annuity firm to individually promote life insurance coverage.

Prospects typically just like the perks that Aetna gives with its life insurance coverage protection.

For instance, Aetna acknowledges that wholesome clients create decrease and secure charges. So, the corporate gives free train packages paybacks, and gymnasium memberships. After you enroll as a Continential Life buyer, you will discover an Aetna Health class at many YMCAs and neighborhood facilities.

Continental Life additionally is smart as a pair and as a person.  The corporate has grasped that it’s not insuring the particular person, however moderately a family. You and your partner can solely handle one platform for claims and billing to make it simpler for you.

As a further profit for buying collectively, you and your partner might obtain a family low cost based mostly on sure elements, corresponding to ZIP code and subsidiaries obtainable in your space.

Simply be aware that Aetna has some limitations to their billing choices. Sadly, Aetna and its subsidiaries don’t settle for bank card funds.

Most insured members have a month-to-month withdrawal come from their checking account, although you would not have to do that. If you wish to ship a verify by mail, you possibly can solely do it quarterly, semi-annually, or yearly.

How are the corporate scores?

A.M. Greatest has given Continental Life Insurance coverage Firm of Brentwood, Tennessee and its subsidiary, American Continental Insurance coverage Firm of  Brentwood, Tennessee, an A- wonderful monetary energy score. The sister corporations even have an A in issuer credit score scores.

The mum or dad firm Aeta has been acknowledged across the nation for varied causes. It’s been acknowledged for its dedication to range and employment insurance policies, and so on.

Some others embody:

  • sixty fourth in Newsweeks Inexperienced 100 checklist in 2016
  • Prime Fortune 500 firm
  • in 2016, ranked No. 15 on Barron’s Checklist of Greatest Corporations.

Aetna has additionally been awarded for bringing individuals nearer to their wanted healthcare. In 2014, the Nationwide Enterprise Group on Well being gave Aetna for the third yr in a row the Decreasing Well being Care Disparities Award.

Is Continental Life best for you?

As a part of Aetna Senior Supplemental Insurance coverage, which is a part of the CVS firm, has many choices for these on Medicare. Continental Life, a prong down the ladder of those massive names, is one supplier of those nice choices.

To recap, Continental Life Insurance coverage‘s life insurance coverage protection consists of the Medicare Complement, the Safety Sequence, and complete life insurance coverage. Aetna is a nationwide chief in well being care, serving nearly 50 million individuals.

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