Continental Life Insurance Review Year 2022

Dec 27, 2023 By Susan Kelly

If you're a senior, you already know your health plan's importance. Medicare is a crucial instrument for ensuring seniors in their golden years have access to the necessary insurance coverage. Medicare may not always pay all of your expenses. Medicare does not cover deductibles, co-pays, or other out-of-pocket expenses. Continental Life Insurance Review Company provides supplementary Medicare insurance to ensure seniors' health is not jeopardized.

The businesses provide several plans, including:

  • Supplement to Medicare;
  • Whole life insurance with a final expenditure; and a product called.
  • The Security Series

Continental Life Insurance Company, or simply Continental Life, is a subsidiary of Aetna, a large healthcare provider that distributes Medicare Supplement and health insurance products. Consumers may get ultimate cost whole life insurance with Continental Life. On the other hand, policies are only accessible to persons of specified ages. In certain states, Continental Life's final expenditure insurance is not available.

Explained Advantages

Free look duration of 30 days: Most insurance firms give a 10-day free look period. You have that time to examine and cancel your coverage and get a complete refund. Continental Life goes a step further and offers a month free look period to its clients, allowing you additional time to study your policy and ensure it's right for you. No medical examinations are required: Continental Life's ultimate expenditure insurance does not need a medical examination. You merely need to submit an application and answer just a few health-related questions. Premium rates will never go up: Once you get insurance, your premiums will never go up. Your coverage will not be canceled if you complete your premium on time.

Explained Drawbacks

Continental Life does not provide rate quotations through the internet. A quotation may only be obtained by speaking with an insurance representative. Continental Life's final expenditure plans have very modest coverage levels. Guaranteed issues and cash value policies are not offered. You may acquire up to $35,000 in coverage. If you die away, that might not be enough to fulfill your dependents' expenses. Continental Life offers policies to people of a specified age range. However, not everyone qualifies. It would help if you were between the ages of 45 – 89 to be eligible for insurance. You won't be able to buy insurance otherwise.

Available plans

Continental Life only offers one kind of life insurance policy: final expenditure whole life coverage. While other insurance firms provide several life insurance alternatives, such as term and general life plans, Continental Life only offers one type of policy: final cost whole life coverage.

Expenses for the rest of one's life

Final expenditure whole life insurance policies are inexpensive policies that cover your interment and funeral costs. The insurance covers you for the rest of your life. Your policy's benefit amount stays fixed as long as it makes all payments on schedule. Continental Life offers two alternatives for final expenses: Level benefit insurance ensures that your beneficiaries get the entire life insurance payout regardless of when you die. If you choose a graded payment, your heirs will get a lower death benefit should you die within the first 2 years of your policy's full coverage. Not until the third year in which the full benefits kick in.

Riders who are available

Insurance endorsements, sometimes known as riders, are available from most life insurance carriers. You may receive extra coverage or insurance for other relatives by purchasing a rider. Continental Life, on the other hand, does not provide any riders. Therefore it lacks the freedom of other providers.

Policy on Cancellation

The majority of life insurance firms provide a 10-day no-risk trial period. On the other hand, Continental Life has a more lenient policy: consumers have 1 month to check their documentation and terminate their insurance if they decide it isn't right for them. You'll receive a refund of any premiums paid if you cancel within 30 days of buying your plan. If you terminate your account after the free trial time has ended, you may be charged a cancellation fee. Fees and limits should be discussed with your insurance agent.


Continental Life does not provide internet quotations for its final expenditure of whole life products; pricing must be obtained through a local insurance agent. Your cost, however, is determined by the information you provide in your application. Is Continental Life the best option for you? Continental Life is one of these wonderful possibilities, and it's a rung down the ladder from these major brands. The Medicare Supplement, the Protection Series, and full life insurance are available via Continental Life Insurance. With over 50 million members, Aetna is a national health care provider.

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