Why Aetna Final Expense?

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
  • Competitive commissions
  • Attractive sales incentive programs (state compensation rules vary)
  • Consumer Lead Referral Program
  • 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.

[ARTICLE] Final Expense Insurance: Level, Graded, Modified, and GI (2nd Edition)

Watch a roleplay example of how a Life Insurance Review is done (with a focus on final expense in this example):

[WEBINAR!] How to Sell Final Expense Insurance:

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This product may be available in other states not listed. Please contact us to inquire.