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Continental Life Insurance coverage Overview [2022]| QuickQuote®


Firm Particulars  
Tackle 1021 Reams Fleming Blvd. Franklin TN, 37064
Father or mother Firm Aetna
Web site www.aetna.com
Telephone Quantity 800-264-4000

In case you’re a senior, you realize that your well being plan is a prime 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 will 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 supply a wide range of plans:

  •  Medicare complement;
  • Last expense entire life insurance coverage; and one thing known as.
  • The Safety Collection

Beneath is an instance of the minimal protection wanted.

Maintain 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 form 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 akin to offering Medicare Complement insurance coverage. They’re largely ready 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 want 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 below the federal government. That is considered one 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 presents 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 Collection presents an expansive insurance coverage bundle that features most cancers/coronary heart assault/stroke protection, dental/imaginative and prescient/listening to, house care, hospital indemnity, and restoration care.
  • Entire life insurance coverage protection, most likely essentially the most acquainted of the three, covers the monetary stressors that come after the funeral payments are handed out. Last 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 form of onerous to comply with together with, so we’ll hit them briefly with prolonged info within the hyperlinks.

Plans which are offered by means 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 means of these on-line is that the protection will get extra complicated because it goes by means of the alphabet. Continental Life Insurance coverage Firm’s primary set of coverages, akin to Medicare Plan A,  versus the rather more complete plans akin to Plan F or Plan G.

For instance, a Supplemental Plan A offers:

Medicare Half A coinsurance and hospital prices – as much as an extra three hundred and sixty five days 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
All the 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 varied 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 presents Plans F, G, and N in most states. These plans are federally standardized, which suggests all carriers should supply the identical advantages.

This makes procuring round straightforward and straightforward to match 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. Which means that suppliers should supply the identical advantages. Make sure you analysis what essential components 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 Eighties. It has a powerful and steady 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 mother or father annuity firm to individually promote life insurance coverage.

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

For instance, Aetna acknowledges that wholesome prospects create decrease and steady charges. So, the corporate presents free train applications paybacks, and health club memberships. After you enroll as a Continential Life buyer, you will discover an Aetna Health class at many YMCAs and group 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 could obtain a family low cost based mostly on sure components, akin to ZIP code and subsidiaries out there 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 wouldn’t have to do that. If you wish to ship a verify 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- glorious monetary energy ranking. The sister firms even have an A in issuer credit score rankings.

The mother or father firm Aeta has been acknowledged across the nation for numerous causes. It’s been acknowledged for its dedication to variety and employment insurance policies, and many others.

Some others embrace:

  • sixty fourth in Newsweeks Inexperienced 100 checklist in 2016
  • High Fortune 500 firm
  • in 2016, ranked No. 15 on Barron’s Record 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 12 months 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 Collection, and entire life insurance coverage. Aetna is a nationwide chief in well being care, serving nearly 50 million individuals.

Editorial Tips: We’re a free on-line useful resource for anybody interested by studying extra about life insurance coverage. Our purpose is to be an goal, third-party useful resource for every little thing life insurance-related. We replace our web site frequently, and all content material is reviewed by life insurance coverage specialists.

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 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 properly. She has labored for small well being in…

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Written by

Rachael Brennan
Licensed Insurance coverage Agent
Rachael Brennan

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 companies. He’s additionally a strategic author and editor with a background in branding, advertising, 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

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