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Continental Life Insurance coverage Evaluate [2022]| QuickQuote®

Rachael Brennan has been working within the insurance coverage trade 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 effectively. 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 navy 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  
Handle 1021 Reams Fleming Blvd. Franklin TN, 37064
Dad or mum Firm Aetna
Web site
Cellphone Quantity 800-264-4000

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

Generally 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 a wide range of plans:

  •  Medicare complement;
  • Closing expense entire life insurance coverage; and one thing referred to as.
  • The Safety Collection

Beneath is an instance of the minimal protection wanted.

Hold 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 type of a giant half.

Aetna is likely one of the nation’s main “diversified well being care advantages” corporations, because it calls itself. Aetna at the moment serves hundreds of thousands of seniors similar to offering Medicare Complement insurance coverage. They’re largely in a position to try this with the attain of their subsidies.

Is Continental medical health 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 Kind. This enables recipients to obtain new or altering protection underneath the federal government. That is one in all 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 ensure you can keep on the identical physician’s workplace and go to the identical hospitals.
  • The Safety Collection 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.
  • Entire life insurance coverage protection, most likely probably the most acquainted of the three, covers the monetary stressors that come after the funeral payments are handed out. Closing expense entire like insurance coverage permits individuals to personalize their life insurance coverage.

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

Plans which might be supplied via Continental Life:

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

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

For instance, a Supplemental Plan A supplies:

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

Try this desk under 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 supplies 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 suggests all carriers should supply the identical advantages.

This makes buying round simple and straightforward to check charges.

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

Although charges will differ relying on ZIP code, gender, age, and well being. Costs are topic to vary, 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. Be sure you analysis what vital components ought to be driving your Medicare complement determination.

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Is Aetna supplemental insurance coverage good?

Continental Life Insurance coverage Firm is headquartered in Brentwood, Tennessee, for the reason that Nineteen Eighties. It has a robust and secure monetary backing and is thought 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 guardian annuity firm to individually promote life insurance coverage.

Clients 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 health club 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 reasonably a family. You and your partner can solely handle one platform for claims and billing to make it simpler for you.

As an extra profit for buying collectively, you and your partner might obtain a family low cost primarily based on sure components, similar to ZIP code and subsidiaries obtainable in your space.

Simply be conscious 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 don’t have to do that. If you wish to ship a examine by mail, you’ll be able to solely do it quarterly, semi-annually, or yearly.

How are the corporate rankings?

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 power score. The sister corporations even have an A in issuer credit score rankings.

The guardian 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 many others.

Some others embody:

  • sixty fourth in Newsweeks Inexperienced 100 listing in 2016
  • Prime Fortune 500 firm
  • in 2016, ranked No. 15 on Barron’s Listing of Greatest Firms.

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 Lowering 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 huge 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 Collection, and entire life insurance coverage. Aetna is a nationwide chief in well being care, serving virtually 50 million individuals.



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