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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 period 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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Written by

Rachael Brennan

Licensed Insurance coverage Agent

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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Reviewed by

Benji Carr

Former Licensed Life Insurance coverage Agent

Benji Carr

UPDATED: Jun 29, 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

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

Typically Medicare doesn’t cowl all the prices you could have. 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, presents 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 provide quite a lot of plans:

  •  Medicare complement;
  • Closing expense complete life insurance coverage; and one thing known as.
  • The Safety Sequence

Beneath is an instance of the minimal protection wanted.

Hold studying to be taught 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. Right now, 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 an enormous half.

Aetna is among the nation’s main “diversified well being care advantages” firms, because it calls itself. Aetna at present serves thousands and thousands of seniors corresponding to offering Medicare Complement insurance coverage. They’re largely ready to try 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 Kind. This permits 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 presents a full vary of merchandise and protection sorts:

  • 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 Sequence presents 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, most likely probably the most acquainted of the three, covers the monetary stressors that come after the funeral payments are handed out. Closing expense complete 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 comply with together with, so we’ll hit them briefly with prolonged data within the hyperlinks.

Plans which might be offered by means of Continental Life:

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

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

For instance, a Supplemental Plan A supplies:

Medicare Half A coinsurance and hospital prices – as much as a further one year 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 may have these identical protection classes, however they’ll add different safety.

Try 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 supplies Medicare Complement insurance coverage protection within the following states:

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

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

This makes purchasing round straightforward and simple to match charges.

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

Although charges will fluctuate 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. Which means suppliers should provide the identical advantages. Be sure you analysis what vital elements ought to be driving your Medicare complement choice.

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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 powerful and secure monetary backing and is thought for assembly its commitments.

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

Clients usually just like the perks that Aetna presents with its life insurance coverage protection.

For instance, Aetna acknowledges that wholesome clients create decrease and secure charges. So, the corporate presents free train applications paybacks, and fitness center memberships. After you enroll as a Continential Life buyer, yow will discover an Aetna Health class at many YMCAs and group facilities.

Continental Life additionally is sensible 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 a further profit for buying collectively, you and your partner might obtain a family low cost primarily based on sure elements, corresponding 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 do not need 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 scores?

A.M. Finest 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 firms even have an A in issuer credit score scores.

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

Some others embrace:

  • sixty fourth in Newsweeks Inexperienced 100 record in 2016
  • High Fortune 500 firm
  • in 2016, ranked No. 15 on Barron’s Checklist of Finest 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 large 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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