Aetna final expense (Accendo): the graded and level structure and where agents place it

Aetna's final expense line, written through its Accendo subsidiary, is a staple in the field for cases that are one step past clean.

The structure. Multiple benefit tiers depending on health answers, from a level day-one benefit to graded and modified options. The strength is that a single application can land the client in the right tier without re-quoting with a different carrier.

Where agents use it. Moderate conditions that other carriers rate hard: some diabetes cases, some COPD without oxygen, some cardiac history outside the recent window. Agents describe it as the carrier you go to when the "name brand" carrier declined but the case is far from guaranteed issue.

Underwriting notes. The health questions are specific about timeframes, and the prescription check is what decides most tiers. Know the medication list before you present, because a single script can move the client a tier.

Process. E-app with voice or e-signature, decisions generally quick, and bank draft setup at application. Confirm the draft date logic with the current guide.

Client conversation. Aetna is a name seniors know from health coverage, which helps at the table and can confuse the conversation. Say clearly that this is a life insurance policy, not a Medicare product.

What to keep current. Tier definitions, state availability and the build chart change. Verify before you quote.

What conditions are you placing with Aetna's final expense this year, and at which tier?