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Aetna Life Insurance Review

Employer-provided life insurance from Aetna Life Insurance Company should be utilized to the fullest. The insurer forces your employer to finance at least half of your insurance costs, thus it’s the most cost-effective option for many policyholders. Aetna, on the other hand, does not let you tailor the insurance coverage for your child. Check out Aetna Life Insurance Review, article of Best Life Insurance it might a big help.

Pros and Cons of Aetna

Aetna Life Insurance Review - Aetna Insurance Company Logo


  • Plans protect you as well as any dependents you have.
  • Your business is responsible for half of the expenses.
  • The insurance business is familiar with Aetna.
  • It’s portable in case your professional direction shifts.


  • Plans don’t provide you enough freedom to tailor your experience.
  • The group health plan’s primary service isn’t life insurance.

Aetna life insurance rates

Consult your employer for additional information about Aetna’s costs. Also, keep in mind that your premium will vary depending on a variety of characteristics, such as your age and gender as well as your health, geographic location, and lifestyle.

Aetna requires companies to pay at least half of your policy’s cost, or $75,000, for employee-only coverage. As a consequence, you’ll be eligible for a low interest rate.

How to get a quote from Aetna life insurance

Speaking with your company is essential because Aetna only offers insurance through businesses.

What types of life insurance coverage does Aetna offer?

The Aetna term is “group life insurance” because you’ve chosen a policy type for your employees as well. Using your firm as an example, Aetna may provide the following service:

  • Basic Group Life Insurance. It safeguards your loved ones, including your husband and children, in the case of your death. Depending on your organization, the benefit might be up to one or two times your yearly salary, with your employer helping to defray the monthly costs.
  • Optional Group Life Insurance. Add this to your basic plan for a higher benefit and cover yourself or your family members as well if you so wish. Monthly premiums must be paid, and as you become older, your rates may go up.

Leaving your job gives you the option to convert your group whole life insurance policy to an individual whole life policy. A long-term care insurance policy is one that may be renewed at any time.

What riders can I add to my policy?

Aetna offers a wide range of riders to match your unique needs, including the following:

  • Accelerated death benefit rider. If you’re diagnosed with a terminal condition, a clause in your policy kicks in, and a portion of your death benefit is paid out.
  • Rider for accidental death insurance. If you’re killed in a car accident, this add-on will pay out an extra benefit to your beneficiaries.
  • Rider for the conversion process. As long as you keep this add-on active, you can convert your term life insurance policy to permanent coverage.
  • Rider for portability. This rider assures that your Aetna group life insurance coverage will accompany you if you change jobs.
  • Rider waiving the right to a higher price. If you become incapacitated and are unable to work as a result, this rider will waive your premiums.

Aetna life insurance reviews and complaints

Even though the Better Business Bureau does not recognize it, a good grade signifies stability and good standing with the government. Consumers have complained that Aetna hasn’t responded adequately, and as a result, the company has received low star ratings.

Even though AM Best gave the firm a favorable rating, it still has excellent financial status. Fortune 500 company CVS Health owns it and has owned it for 18 years. CVS Health is a well-known industry leader.

About Aetna

There is a large Aetna presence in the United States with its headquarters in Hartford, Connecticut. The fund’s name was inspired by Mount Etna, a still-active volcano off the coast of Sicily. It was created as an annuity fund in 1850.

Aetna’s principal service: healthcare, provides coverage to more than 23.5 million people in 19 U.S. states. CVS purchased it in 2018 with the goal of developing “a community-based, open health care paradigm.” At the time of this writing, it was ranked number 43 on the Fortune 500 list.

How does Aetna protect my data?

Aetna states that it will not share your personal information with third parties for marketing purposes and that all correspondence will be password-protected. Aetna promises to use your data strictly for internal purposes, such as processing transactions and keeping track of your membership.

Because it adheres to federal requirements on security, no one else will be able to access your data without your consent. While you’re on the website, your information is protected by a valid security certificate, however cookies are used to track your movements. Aetna pledges to use as few Social Security numbers as feasible.

Aetna Life Insurance Claim

Call 800-523-5065 from 8 a.m. to 7 p.m. ET daily to check on the status of your claim or to initiate one.

The claim may be started by the insured’s employer as well, depending on the circumstances.

You may check out our AccuQuote Life Insurance Review to compare the options they have.

Discover How Much YOU Can Save on Life Insurance

Our customers save as much as 35% compared to traditional life insurance offers…

Compare Quotes →

Avatar photo About the author: David Krug is the CEO/President of PolicyPeak, a modern and tech-driven life insurance company. David noticed a gap in the market for personalized policies at an affordable price. He founded PolicyPeak in 2022 with the goal of simplifying the buying process for consumers and offering policies tailored to their unique needs.