Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Apr 30, 2021

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The Facts of Life

  • Aetna has an A.M. Best rating of A
  • Aetna offers term group life insurance
  • Aetna also offers health insurance through employers

If your employer is offering term life insurance through Aetna, you may want to review the company before signing on.

In there Aetna dental or Aetna Medicare? Can you use your Aetna login to pay your bill? Aetna life insurance company review, we’ll go over what products Aetna offers to employers and employees, discuss how affordable Aetna life insurance is, and what their reputation is in the industry.

Before starting this Aetna insurance review, enter your ZIP code above, and we will help you find local life insurance companies that can provide the coverage you need.

How can I get Aetna life insurance?

Currently, Aetna is only offering group term life insurance through employers.

This means that you cannot go out and purchase a life insurance policy directly through Aetna. Instead, your employer would offer Aetna life insurance as a benefit of working with the company.

The main downside to this type of policy is that you cannot take your insurance policy with you when you leave the company. This means if you pour money into the policy, that money is not refunded if you leave.

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Is Aetna Life Insurance affordable?

The main benefit to purchasing a group term life insurance policy is that it can often come with lower premiums.

The reason for this is that Aetna provides your company with a discount because it will be purchasing policies in larger groups.

As term life insurance policies are generally the most affordable types of life insurance already, Aetna life insurance rates for their group policies are designed to be extremely affordable.

What Life Insurance products does Aetna offer?

Aetna offers four group life insurance products. However, what products your employer offers will depend on their agreement with Aetna.

Currently, Aetna offers the following group term life insurance plan:

Basic Term Life

This policy provides basic term life insurance coverage. This policy comes with flexible benefit schedules to benefit various circumstances.

Supplemental Term Life

This policy provides additional coverage to the basic term life insurance plan. Employees pay for additional coverage with this plan.

Dependent Term Life

This plan allows you to purchase a policy for a dependant or spouse.

Group Universal Term Life

This policy allows you the option to earn a cash value that is tax-deferred.

Available Riders

Aetna offers several riders so you cancustomize your term life insurance. However, depending on the agreement reached between Aetna and your employer, they may not all be available to you. Here is a general review of the types of riders that are available.

Flexibility

This allows employees to take the policy with them when/if they leave the company and pay the policy directly to Aetna.

Dependability

This provides coverage to employees who are determined to be unable to work due to a disability or injury.

Travel Protection

Travel protection riders are provided with AXA Assistance USA. This type of rider assists travelers with medical and other issues.

Financial Security

These types of riders offer things like accelerated death benefits allowing employees to draw money for medical expenses.

Continuity

This type of rider allows employees to transfer their policy to another provider if they are no longer qualify for the insurance provided by Aetna and the employer.

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Additional Coverage

In addition to term life insurance, Aetna also offers employers Accidental Death and Dismemberment coverage.

Accidental Death and Dismemberment coverage is designed to provide monetary coverage in the event that someone gets into a serious, debilitating accident.

The plan will then provide money that can be used for everything from medical costs to living costs if someone is unable to work.

Aetna offers two plans, the AD&D Ultral and Supplemental AD&D Ultra.

Both plans offer protection in the event of serious injury, with the Supplemental AD&D Ultra providing additional coverage.

What other type of insurance does Aetna offer?

Aetna has a wide range of insurance products, but are particularly known for their health insurance options.

Aetna offers general life insurance, dental insurance, and vision insurance through employers. While plans may vary based on what employers wish to offer, they all provide basic coverage.

Aeta works with employers and Medicaid programs like CHIP and Medicare programs to provide affordable plans to individuals throughout the US.

In addition, for those who don’t qualify for affordable life insurance through an employer or government agency, Aetna also offers supplemental insurance.

This acts as a basic coverage to get you through times when you are underinsured but need to see a doctor.

One of the unique products that are offered is international health insurance. This insurance is designed to protect you as you travel throughout the world.

International plans cover everything from in and outpatient care to emergency dental treatment.

Aetna Insurance Overview

According to the NAIC (National Association of Insurance Commissioners), customers have more than an average number of complaints with Aetna, with a complaint index score of 1.45.

An average score would be one, so this is only a small increase, and according to the NAIC, the majority of these complaints are in relation to their health insurance, not their life insurance products.

If you are looking for term life insurance through your employer, Aetna is a solid company with a good reputation and worthy of looking into. Prices are sometimes cheaper with group life insurance options.

However, before you buy Aetna life insurance, it is still important to compare monthly premiums to what you can get on your own before signing up.

The best way to do this is to look at Aetna life insurance quotes and compare them to individual life insurance quotes.

In addition, life insurance policies through your employer are usually directly paid from your paycheck, so no additional effort is required on your part to pay your premiums each month.

If you are looking for permanent life insurance, Aetna will not provide you what you need.

Aetna is a large, diverse insurance company that was founded back in 1853. It has a well-established financial foundation, with a rating from A.M. Best of A with a stable future outlook.

The company currently offers a wide array of insurance products, from dental insurance to general medical insurance to group life insurance and even retirement plans.

Now that you’ve finished this Aetna life insurance review, enter your ZIP code below and check out other local life insurance providers that may meet your needs.