Aetna offers level, graded, and modified death benefit plans with a point of sale pre-approval process. The client applies knowing what coverage level they can qualify for which reduced declines and helps get the policy issued faster.
A (Excellent) rating with A. M. Best
Over 27 years specializing in the senior market
A small company personality with big company capability
Pre-calculated rate sheets simplify the quoting process
Aetna Final Expense Product Information – 3 Options
The graded and modified benefit plans have reduced death benefits (for non-accidental death) in the first two policy years and do not have a full death benefit until the third policy year
Benefit amount $3,000 - $35,000 (sold in $1,000 increments)
Annual policy fee $40
Level benefit plan
Issue ages 45 – 89, age last birthday
Full death benefit
Graded benefit plan
Issue ages 45 – 80, age last birthday
Accidental death = full benefit immediately
Non-accidental death Policy year 1 = 40% of benefit amount Policy year 2 = 75% of benefit amount Policy year 3 = full death benefit
Modified benefit plan
Issue ages 45 – 75, age last birthday
Accidental death = full benefit immediately
Non-accidental death Policy years 1 and 2 = 110% of earned premium Policy year 3 = full death benefit
Sample Premiums
State Availability
New to Final Expense Sales?
You've come to the right place!
Check out some of the following resources to learn more about how to sell final expense products.
