Final Expense Whole Life
Simplified-issue whole life sized for funeral and end-of-life costs — no medical exam, just a short health questionnaire. Premiums never increase and the benefit never decreases.
Carrier review · Independent take
Aetna life insurance review
Aetna is a household name in health coverage — and through its Accendo company (part of CVS Health), it's also a strong final-expense life carrier we place. Here's our honest, independent read.
Our verdict
A financially strong, instantly-recognizable carrier that's a solid pick for simplified-issue final expense — and especially handy if you already carry an Aetna Medicare Supplement plan.
Best for
- Seniors who want simplified-issue final expense / burial coverage
- People who want a big, A-rated, household name on the policy
- Existing Aetna Medicare Supplement members (possible preferred pricing)
- Anyone who wants no-exam whole life
The basics
Who they are
Aetna is one of the most recognized names in American insurance — founded in 1853 and today part of CVS Health. Most people know it for health coverage, but it’s also a meaningful final-expense life carrier.
Its final-expense whole life is issued through Accendo Insurance Company (also a CVS Health company). For our clients, that means a financially strong, household-name option for simplified-issue burial coverage.
What they offer
Aetna life insurance products
Accendo (issuing company)
Issued through Accendo, a CVS Health company. If you already carry an Aetna Medicare Supplement plan, you may qualify for a preferred rate tier — an edge we’ll check for you.
Coverage that lasts
As permanent coverage it stays in force for life as long as premiums are paid, paying a tax-free benefit to the person you name.
The honest rundown
Strengths & good to know
👍 Strengths
- A (Excellent) AM Best financial strength + A+ BBB rating
- Simplified-issue final expense with no medical exam — short health questions only
- Household name most clients already recognize and trust
- Possible preferred pricing for existing Aetna Medicare Supplement members
- Level whole life — premiums never rise, benefit never drops
ℹ️ Good to know
- Final-expense life is issued through Accendo (an Aetna / CVS Health company) — same family, a slightly different name on the policy
- Like all whole life, premiums cost more than term — the trade for lifelong, level coverage
- Sold through agents — that’s where we come in; we’ll confirm it’s your best fit
What customers & raters say
Reputation & the pulse
On the measures that protect your family, Aetna rates well: A (Excellent) from AM Best for financial strength and an A+ from the BBB. It’s a century-and-a-half-old, nationally known carrier.
For final expense specifically, the appeal is simple no-exam underwriting from a name people already know — which makes the conversation with family easier.
Honest about cost
What about pricing?
We keep specific prices off these pages on purpose — your real rate depends on your age, health, tobacco use, and state, and only a personalized quote tells the truth. Aetna is generally competitive on simplified-issue final expense (especially for existing Aetna Medicare Supplement members). As an independent agency, we’ll compare it against the rest of our panel for your situation.
Common questions
Aetna life insurance FAQ
Is Aetna life insurance legit?
Yes. Aetna is an A (Excellent)-rated carrier by AM Best with an A+ BBB rating, founded in 1853 and part of CVS Health. Its final-expense life is issued through Accendo, an Aetna / CVS Health company.
Does Aetna final expense require a medical exam?
No. It’s simplified-issue whole life — approval is based on a short health questionnaire and a prescription check, not a paramedical exam.
What is Accendo?
Accendo Insurance Company is the Aetna / CVS Health company that issues Aetna’s final-expense whole life. It’s the same family of companies — and existing Aetna Medicare Supplement members may see preferred pricing.
Can United Eagles Financial place Aetna for me?
Yes — Aetna is one of the carriers on our panel. Because we’re independent, we’ll only recommend it if it genuinely fits you best after comparing our other carriers.
Sources · ratings current as of June 2026
No-pressure quote
Wondering if Aetna is right for you?
Tell us a little about yourself and we’ll compare Aetna against the rest of our panel — honestly, with no obligation.
- Independent — we compare multiple carriers
- Plain answers, no pressure
- The right fit for you, not the biggest commission