Aetna Senior Products Review: Is Accendo Insurance Right for Seniors?
Aetna Senior Products, issued by Accendo Insurance Company (a CVS Health subsidiary), offers simplified-issue final expense whole life insurance with no medical exam. Rates are competitive with Mutual of Omaha and Transamerica for many age brackets. The brand is backed by CVS Health's financial strength, making it a solid option for seniors who want corporate stability (source: Asurgo carrier analysis, June 2026).
Brand Overview
What Is Aetna Senior Products?
If you searched for "aetna senior products" or "aetnaseniorproducts," you are looking at an insurance brand designed specifically for seniors. Here is how the corporate structure works: Aetna Senior Products is the marketing brand name. The actual policies are issued by Accendo Insurance Company. Accendo is a subsidiary of CVS Health, which acquired Aetna in 2018 for $69 billion. When you receive your policy documents, the name on the paperwork will say Accendo Insurance Company, not Aetna. The coverage, financial backing, and claims process are all part of the CVS Health corporate structure.
Aetna Senior Products offers three main product lines: final expense whole life insurance, Medicare supplement (Medigap) plans, and hospital indemnity coverage. This review focuses on the final expense product, which is what most people looking for "aetna senior products" insurance are shopping for. If you are looking for the Aetna Senior Products member portal to manage an existing policy, visit aetnaseniorproducts.com directly.
The final expense product is a simplified-issue whole life policy. That means no medical exam, no blood work, and no doctor visit. You answer health questions over the phone and receive a decision the same day. Asurgo sells Aetna/Accendo final expense policies regularly. We find it most useful for clients who need moderate underwriting flexibility, coverage past age 85, or the reassurance of a large corporate parent behind their policy.
Quick Facts
Aetna Senior Products at a Glance
| Brand name | Aetna Senior Products |
|---|---|
| Issuing company | Accendo Insurance Company |
| Parent company | CVS Health (Fortune 4) |
| Products | Final expense, Medicare supplement, hospital indemnity |
| Final expense type | Simplified-issue whole life |
| Issue ages | 40 to 89 (Preferred tier; highest max age on Asurgo's panel) |
| Coverage range | $2,000 to $50,000 (varies by age; $25,000 max for ages 76+) |
| Underwriting tiers | Super Preferred, Preferred, Standard, Modified |
| Health questions | Yes (simplified underwriting) |
| Medical exam | None required |
| Waiting period | None on Preferred/Level tier (day-one full coverage) |
| AM Best rating | A (Excellent) |
| Monthly cost example | $48/mo for $10K at age 65, female, non-tobacco, Preferred tier |
Strengths
What Aetna Senior Products Does Well
Highest Maximum Issue Age on Our Panel
Aetna/Accendo accepts applicants up to age 89, which is the highest issue age of any final expense carrier Asurgo represents. Mutual of Omaha and Transamerica both cap at 85. For seniors between 86 and 89, Aetna is one of the few simplified-issue options available.
CVS Health Financial Backing
Accendo Insurance Company is backed by CVS Health, a Fortune 4 company with over $350 billion in annual revenue. For seniors who want the reassurance that their insurance company will be around for decades, this corporate backing is a meaningful differentiator compared to smaller mutual companies or fraternal organizations.
Competitive Rates at Ages 75 and Older
Aetna's pricing gap with Mutual of Omaha narrows significantly at older ages. At age 80, a female non-smoker pays $101 with Aetna compared to $98 with MoO, a difference of just $3 per month. At age 85, the gap is $1. For seniors in their late 70s and 80s, Aetna is nearly price-competitive with the cheapest carrier on the market while offering a higher issue-age ceiling.
Four Underwriting Tiers
Most final expense carriers offer two tiers (Level and Graded). Aetna offers four: Super Preferred, Preferred, Standard, and Modified. This granularity means the underwriting can place applicants more precisely. Clients with moderate health conditions may land in the Standard tier rather than being bumped directly to a graded product with a waiting period.
Multiple Product Lines
Aetna Senior Products also offers Medicare supplement and hospital indemnity coverage. Seniors who hold an Aetna Medicare supplement policy may qualify for the Super Preferred tier on the final expense product, which provides the lowest available rates. Bundling products through the same carrier family can simplify paperwork and billing.
Pros & Cons
Where Aetna Senior Products Falls Short
Pros
- Issue ages up to 89 (highest on our panel)
- Backed by CVS Health (Fortune 4 company)
- AM Best rating of A (Excellent)
- Rates nearly match MoO at ages 80+
- Four underwriting tiers for precise placement
- No medical exam required
- Coverage up to $50,000 for applicants under 56
- Super Preferred discount for existing Aetna policyholders
Cons
- More expensive than MoO at ages 50 to 70 (12 to 24 percent higher)
- Standard and Modified tiers are not available to men over 75
- Coverage drops to $25,000 maximum for ages 76 and older
- Brand name confusion: "Aetna Senior Products" vs. "Accendo" on paperwork
- Less specialized in final expense than MoO or Transamerica
- Super Preferred tier requires existing Aetna Medicare supplement policy
For healthy applicants under age 75, Mutual of Omaha remains the better value. Aetna's strengths show most clearly for seniors over 75 who need the higher issue-age ceiling, the corporate financial backing, or the more granular underwriting tiers.
2026 Pricing
Aetna/Accendo Final Expense Rates by Age (Non-Tobacco)
The table below shows monthly premiums for Aetna/Accendo final expense whole life, Preferred (Level) tier, $10,000 face amount, non-tobacco. These rates are locked for life and never increase. The Preferred tier provides full day-one coverage with no waiting period.
| Age | Female | Male |
|---|---|---|
| 50 | $27/mo | $34/mo |
| 55 | $34/mo | $44/mo |
| 60 | $41/mo | $51/mo |
| 65 | $48/mo | $58/mo |
| 70 | $58/mo | $73/mo |
| 75 | $76/mo | $101/mo |
| 80 | $101/mo | $140/mo |
| 85 | $137/mo | $196/mo |
Rates shown are for Aetna/Accendo final expense whole life, Preferred (Level) tier, $10,000 face amount, non-tobacco, as of June 2026. Your actual premium depends on age at application, gender, tobacco use, and health answers.
Tobacco Pricing
Aetna/Accendo Tobacco Rates by Age
Tobacco users pay higher premiums. The markup varies by age and gender but generally ranges from 30 to 60 percent above non-tobacco rates. This applies to cigarettes, cigars, chewing tobacco, and nicotine products.
| Age | Female | Male |
|---|---|---|
| 50 | $41/mo | $48/mo |
| 55 | $45/mo | $56/mo |
| 60 | $51/mo | $66/mo |
| 65 | $62/mo | $83/mo |
| 70 | $79/mo | $111/mo |
| 75 | $105/mo | $157/mo |
| 80 | $158/mo | $228/mo |
| 85 | $214/mo | $334/mo |
Tobacco rates apply to applicants who use any tobacco or nicotine products. Rates shown are Aetna/Accendo final expense whole life, Preferred (Level) tier, $10,000 face amount, as of June 2026.
Head-to-Head
Aetna vs. Mutual of Omaha vs. Transamerica
The table below compares the three carriers Asurgo places most frequently for final expense coverage. All rates are for female non-tobacco applicants at $10,000 of coverage on each carrier's primary simplified-issue Level tier.
| Age | MoO Living Promise | Aetna/Accendo | Transamerica Express Select |
|---|---|---|---|
| 50 | $24/mo | $27/mo | $33/mo |
| 55 | $28/mo | $34/mo | $37/mo |
| 60 | $33/mo | $41/mo | $41/mo |
| 65 | $41/mo | $48/mo | $52/mo |
| 70 | $53/mo | $58/mo | $65/mo |
| 75 | $72/mo | $76/mo | $86/mo |
| 80 | $98/mo | $101/mo | $134/mo |
| 85 | $136/mo | $137/mo | $205/mo |
Where Aetna Fits in the Lineup
Mutual of Omaha is the cheapest at every age. Transamerica is the most expensive but has the most lenient underwriting on paired health conditions. Aetna sits in the middle on price, but its real advantages are structural:
- Ages 80+: Aetna's rates are within $1 to $3 of MoO. At these ages, the price difference is negligible, and Aetna's higher issue-age ceiling (89 vs. 85) becomes a factor.
- Ages 86 to 89: Neither MoO nor Transamerica is available. Aetna is one of the few simplified-issue options for this age group.
- Moderate health conditions: Aetna's four-tier system provides more placement options than MoO's two-tier structure. Some conditions that trigger a decline at MoO may land in Aetna's Standard tier with day-one coverage.
- Existing Aetna policyholders: Seniors with an Aetna Medicare supplement can qualify for the Super Preferred tier, which offers rates lower than the Preferred tier shown above.
In practice, our agents quote all three carriers on every call. If MoO approves you at Level, we typically place you there. If MoO declines or you are over 85, Aetna is often the next consideration before moving to Transamerica or a guaranteed-issue product.
Not Sure Which Carrier Fits?
We compare Aetna, Mutual of Omaha, Transamerica, and 25+ other carriers in a single call. No pressure, no obligation.
Other Products
Aetna Senior Supplemental Insurance
In addition to final expense coverage, Aetna Senior Products offers supplemental insurance products for seniors. If you searched for "aetna senior supplemental" or "aetna senior supplemental insurance," here is what is available under the Aetna Senior Products brand.
Medicare Supplement (Medigap) Plans
Aetna Senior Products offers Medicare supplement plans that help cover the gaps in Original Medicare, including copayments, coinsurance, and deductibles. These plans are available in multiple standardized plan types (Plan G, Plan N, etc.) and vary by state. Holding an Aetna Medicare supplement policy also qualifies you for the Super Preferred tier on the final expense product.
Hospital Indemnity Coverage
Hospital indemnity plans pay a fixed dollar amount per day of hospitalization, regardless of other insurance. This benefit is paid directly to you, not to the hospital. It can help cover out-of-pocket costs, transportation, or lost income during a hospital stay. These policies are separate from both Medicare supplement and final expense coverage.
This review focuses on the final expense product because that is what Asurgo specializes in and where we can provide the most value as an independent broker. If you are interested in Aetna Medicare supplement or hospital indemnity plans, your Asurgo agent can point you in the right direction during your quote call.
Best Fit
Who Should Consider Aetna/Accendo
Aetna/Accendo final expense is the right choice in the following situations:
- Seniors aged 86 to 89. Neither Mutual of Omaha nor Transamerica accepts applicants over 85. Aetna's Preferred tier is available through age 89, making it one of the few simplified-issue options for this age group.
- Seniors who value corporate financial stability. CVS Health is a Fortune 4 company. For seniors who want the reassurance of a large, publicly traded parent behind their insurance carrier, Aetna/Accendo offers that in a way smaller mutual companies cannot.
- Existing Aetna Medicare supplement holders. If you already have an Aetna Medicare supplement policy, you may qualify for the Super Preferred final expense tier, which offers the lowest available rates.
- Applicants who need more granular underwriting. Aetna's four-tier system means that a health condition which triggers a graded benefit at a two-tier carrier might land in a day-one coverage tier at Aetna.
- Seniors aged 75+ where rate differences are minimal. At age 80, the gap between Aetna and MoO is only $3 per month. If MoO declines you but Aetna approves you, the cost difference is negligible.
Not Ideal For
Who Should Look Elsewhere
Aetna/Accendo is not the best fit in these situations:
- Healthy applicants under age 75. If you can qualify for Mutual of Omaha's Living Promise, you will pay less. The gap is widest at younger ages: at age 55, MoO costs $28 compared to Aetna's $34 for a female non-smoker.
- Applicants with complex paired conditions. Transamerica is more lenient than Aetna on combinations like insulin-dependent diabetes with COPD, or heart disease with stents. If your health profile includes multiple interacting conditions, Transamerica may offer a better underwriting outcome.
- Men over 75 who need the Standard or Modified tier. Aetna's Standard and Modified tiers are not available to men over 75. Male applicants in this age range must qualify for the Preferred tier or look at a different carrier.
- Seniors looking for the Aetna Senior Products login portal. If you already have a policy and need to manage it, visit aetnaseniorproducts.com. This page is a review for people shopping for new coverage.
We Sell Aetna and 25+ Other Carriers
Your Asurgo agent quotes Aetna, Mutual of Omaha, Transamerica, and others side by side. You pick the carrier that fits your health and budget.
Getting Started
How to Apply for Aetna/Accendo Through Asurgo
Applying for Aetna/Accendo final expense through Asurgo is a straightforward process that most clients complete in a single phone call.
Step 1: Quote Call
Call (855) 380-9555 or submit a quote request. Your licensed Asurgo agent will ask about your age, gender, tobacco use, and health history to determine which carriers and tiers you qualify for. This call takes 10 to 15 minutes.
Step 2: Health Questions
Your agent reads the simplified-issue health questions to you over the phone. Based on your answers, you are placed into one of four tiers: Super Preferred (if you hold an Aetna Medicare supplement), Preferred, Standard, or Modified. There is no medical exam, no blood work, and no doctor visit.
Step 3: Application
If you choose to move forward, your agent completes the application with you on the same call. The entire process, from first call to submitted application, typically takes 20 to 30 minutes.
Step 4: Policy Delivery
Most applications receive a same-day decision. Your policy is delivered electronically or by mail, and coverage begins on the issue date. Over 95 percent of our clients have coverage in place within 24 hours of their application.
Common Questions
Aetna Senior Products FAQ
What is Aetna Senior Products?
Is Accendo Insurance the same as Aetna?
Does Aetna Senior Products require a medical exam?
How much does Aetna final expense insurance cost?
What is Aetna Senior Products' AM Best rating?
Is Aetna Senior Products owned by CVS?
Does Aetna Senior Products have a waiting period?
What is the difference between Aetna supplemental and final expense?
How do I contact Aetna Senior Products?
Can I get Aetna/Accendo through an independent broker?
Ready to See If You Qualify?
Asurgo sells Aetna/Accendo and 25+ other carriers. One call, real quotes, no obligation.
Get Your Aetna/Accendo Quote Or call (855) 380-9555
Nicholas Norminton
Nicholas is a nationally licensed insurance specialist who has personally helped thousands of clients secure life insurance coverage. He built Asurgo into a trusted brokerage serving clients in all 50 states with access to 25+ carriers, including Aetna/Accendo.
Sources
- AM Best Company. Accendo Insurance Company rating report. ambest.com
- National Association of Insurance Commissioners (NAIC). Consumer complaint data. naic.org
- Better Business Bureau (BBB). Aetna / Accendo Insurance Company profile. bbb.org