CVS Health

CVS Health

Get Appointed

Opportunity has a familiar name. Final expense from CVS Health has flexible coverage options, an easy e-App process, & more.

Why Accendo/CVS Health® Final Expense?

Did you know 70% of Americans live within three miles of a CVS Pharmacy?* Now there’s a final expense product that’s just as convenient and trusted.

CVS Health®'s Individual Whole Life Insurance is underwritten by Accendo Insurance Company, part of the CVS Health® family of companies and an Aetna affiliate, and offers:

  • An available super preferred rate** that’s 10% lower than the preferred rate
  • Aetna Med Supp clients get a discount that won't come out of your commission
  • Flexible coverage amounts with a low minimum policy requirement
  • Auto-drafting to match Social Security deposit schedules
  • Easy quoting and e-App process
Allows for point-of-sale decisions and electronic signature when you can’t meet clients in person
  • No height/weight chart
  • Strong commissions, paid twice a week

*Larry Merlo, President and CEO ofCVS Health, Town Hall Los Angeles, September 2018

**Your clients may qualify for the super preferred rate on Final Expense if they were issued a CVS Health/Aetna company Medicare Supplement policy underwritten in the last 180 days. The Final Expense super preferred rate is 10% lower than the preferred rate.

Accendo/CVS Health® Final Expense Product Details

  • Broad qualifying age range — you can sell to anyone between the ages of 40 and 89
  • Flexible coverage amounts with a low minimum policy requirement ($2,000)
  • Level and Modified Plan Options


  • A child/grandchild rider that can be converted to lifetime coverage at five times the face amount
    (up to $35,000)
  • An accelerated death rider that allows access to up to 50% of the face amount
  • An accidental death rider that doubles the payout amount when life is cut short due to an accident

State Availability

The Accendo/CVS Health Final Expense product is available in the following states:

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: