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?
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Check out some of the following resources to learn more about how to sell final expense products.
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: