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Continental Life Insurance coverage Overview [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 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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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 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  
Handle 1021 Reams Fleming Blvd. Franklin TN, 37064
Mother or father Firm Aetna
Web site
Telephone Quantity 800-264-4000

In case you’re a senior, you understand that your well being plan is a prime precedence. Medicare is a vital software 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 might 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, provides 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 complete life insurance coverage; and one thing known as.
  • The Safety Collection

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. 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 a giant half.

Aetna is without doubt one of the nation’s main “diversified well being care advantages” firms, because it calls itself. Aetna presently serves thousands and thousands of seniors resembling offering Medicare Complement insurance coverage. They’re largely ready to do 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 Relating to Substitute of Medicare Complement Insurance coverage or Medicare Benefit Kind. This enables 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 provides a full vary of merchandise and protection varieties:

  • Medicare Complement is a life insurance coverage protection that gives seniors some continuity of their insurance coverage. It helps ensure you can keep on the similar physician’s workplace and go to the identical hospitals.
  • The Safety Collection provides 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, in all probability essentially 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 form of arduous to observe together with, so we’ll hit them briefly with prolonged info within the hyperlinks.

Plans which can be offered by means of Continental Life:

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

A superb rule to observe 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 fundamental set of coverages, resembling Medicare Plan A,  versus the far more complete plans resembling Plan F or Plan G.

For instance, a Supplemental Plan A gives:

Medicare Half A coinsurance and hospital prices – as much as a further 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
The entire different insurance policies can have these similar protection classes, however they’ll add different safety.

Take a look at this desk under 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 gives Medicare Complement insurance coverage protection within the following states:

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

Continental Life provides 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 simple and simple to match 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. Remember to analysis what necessary elements must be driving your Medicare complement resolution.

Your life insurance coverage quotes are all the time free.

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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 steady monetary backing and is understood 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.

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

For instance, Aetna acknowledges that wholesome prospects create decrease and steady charges. So, the corporate provides free train packages paybacks, and health club 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 individual, however somewhat 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, resembling 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 shouldn’t have to do that. If you wish to ship a verify by mail, you may solely do it quarterly, semi-annually, or yearly.

How are the corporate rankings?

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 energy ranking. The sister firms even have an A in issuer credit score rankings.

The dad or mum firm Aeta has been acknowledged across the nation for numerous causes. It’s been acknowledged for its dedication to range 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 Listing of Finest 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 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 Collection, and complete life insurance coverage. Aetna is a nationwide chief in well being care, serving nearly 50 million individuals.




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