Continental Life Insurance Review for 2023

If you’re looking for life insurance, you probably haven’t heard of the Continental Life Insurance Company of Brentwood, Tennessee. This Continental Life Insurance review will help shed some light on this company and review some of its product offerings.

Since 2011, Continental Life Insurance Company has been a part of the large Aetna network of companies. Although, Continental Life Insurance Company has been in business since 1983.

Since this company was founded, its main area of focus has been on senior insurance through life and health insurance products. Continental Life Insurance was brought into the Aetna family of companies to strengthen Aetna’s senior insurance offerings.

Let’s review what insurance products are currently offered by Continental Life Insurance, see what consumers think of this company, find out where these insurance products are available, and review the company’s financial strength ratings.

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What insurance products are offered by Continental Life Insurance?

All of the company resources online state that Continental Life Insurance Company sells life insurance products. However, we were unable to find any specific details regarding the types of life insurance products currently being sold by the Continental Life Insurance Company of Brentwood, Tennessee.

If life insurance products are still available from this company, you might not be able to find term life insurance and whole life insurance products. Continental Life Insurance operates primarily in the senior insurance market, and typically term life insurance policies are not offered to these individuals.

If life insurance products are not being advertised by the company, what insurance products are they selling? Most of Continental Life Insurance’s online materials promote Medicare supplement health insurance products.

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What are Medicare supplement health insurance plans?

Medicare is a wonderful program that helps many seniors and people with disabilities get the crucial health care they need at a cost they can afford. However, with any insurance plan, there are gaps in the coverage, and depending on your needs and medical conditions covering these gaps can be of critical importance.

The Continental Life Insurance Company sells Medicare supplement health insurance policies to cover the gaps in Medicare coverage. They offer six different supplemental Medicare health insurance plans:

• Plan A
• Plan B
• Plan F
• High deductible Plan F
• Plan G
• Plan N

These different plans correspond to the different Medicare plans offered and their corresponding letters. The most comprehensive supplemental plans in the above list are Plans F and G. If you’re concerned about high premium payments, high deductible Plan F gives you comprehensive supplemental coverage at a lower premium.

It is important to note that Medicare supplemental insurance policies are regulated. If you choose Plan A, for example, this plan has to offer the same things as every other supplemental Plan A on the market. Although the offerings have to be exactly the same, the pricing of these plans can vary from company to company.

What do consumers think of Continental Life Insurance?

On the Better Business Bureau profile for Continental Life Insurance there are a number of complaints. The company has a consumer rating of 1.7 out of 5, but to be fair there are only 7 reviews, although they all tend to be pretty negative.

The main issue consumers had with the Continental Life Insurance Company was the difficulty of getting in touch with the company. Even when trying to find information about this company’s insurance product offerings, we had difficulties.

There is no company website (you can access information through Aetna), and it is hard to find a phone number or contact information for anyone with the company. It would appear that customer complaints about not being able to reach anyone at the company are valid.

Are Continental Life Insurance products available near me?

Continental Life Insurance is a part of Aetna, and you should be able to access and purchase Aetna products in all 50 states. However, there are only a handful of states where you can buy Continental Life Insurance Medicare supplemental insurance:

• Delaware
• Idaho
• Georgia
• Louisiana
• Iowa
• Rhode Island
• Minnesota
• Wisconsin

This insurance coverage is not widely available, but as we discussed earlier, all Medicare supplemental policies need to be exactly the same in terms of offerings. You may not be able to get Continental Life Insurance products near you, but you will be able to get a similar policy if you’re looking to supplement your Medicare.

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What is the financial strength rating of Continental Life?

According to A.M. Best, who did a thorough review of the company’s financial strength after they became an Aetna member company, Continental Life Insurance Company has a strong financial rating of A.

You might be wondering why you should care about a company’s financial strength, but in the insurance field this is a crucial bit of information. Companies that are financially weak and have poor ratings may not be able to pay your benefits in a timely manner or even in full.

If you’re paying for an insurance product and you’re not getting your benefits in a timely manner or in full, this is a major problem. So companies like A.M. Best and others rate a company’s financial strength so that you can purchase insurance products with confidence.

Continental Life Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Continental Life Insurance offers various methods for policyholders to file insurance claims. While specific details may vary, the company typically allows customers to submit claims through convenient channels such as online submissions, over the phone, or potentially through their mobile app.

The availability of these options can simplify the claims process for policyholders, ensuring they can easily report and initiate a claim using their preferred method.

Average Claim Processing Time

The speed at which insurance claims are processed is a critical factor for policyholders. While Continental Life Insurance doesn’t provide specific data on claim processing times in the reviewed content, it’s important for potential customers to inquire about this information when considering their insurance options.

A quicker claims processing time can provide peace of mind to policyholders during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a crucial role in evaluating an insurance company’s performance. In the case of Continental Life Insurance, the reviewed content mentions a consumer rating of 1.7 out of 5 on the Better Business Bureau.

It’s essential for individuals to consider such feedback when assessing the company’s claim resolutions and payout experiences. Understanding the experiences of other policyholders can help individuals make informed decisions about their insurance provider.

Continental Life Insurance Digital and Technological Features

Mobile App Features and Functionality

In today’s digital age, insurance companies often offer mobile apps to enhance customer convenience. While the reviewed content does not delve into specific details regarding Continental Life Insurance’s mobile app, it’s worth exploring what features and functionalities their app provides.

Policyholders may expect features such as policy management, claims submissions, and access to essential documents, all accessible through a user-friendly mobile interface.

Online Account Management Capabilities

Online account management can streamline the insurance experience for policyholders. Although the reviewed content does not extensively cover Continental Life Insurance’s online account management capabilities, it’s advisable for customers to inquire about this aspect.

Robust online account management may include policy information, payment options, and the ability to update personal details, offering policyholders greater control and accessibility.

Digital Tools and Resources

Insurance companies often provide digital tools and resources to educate and assist their customers. While not detailed in the reviewed content, Continental Life Insurance may offer resources such as calculators, educational materials, and FAQs to help policyholders make informed decisions and understand their coverage better.

Exploring the availability and usefulness of such digital resources can be valuable for potential customers.

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Continental Life Insurance Review: The Bottom Line

Even though Continental Life Insurance is now a part of Aetna, people have difficulty getting in touch with them. If you’re looking for life insurance products, this company doesn’t look like they even offer these policies even though the scant information on their website claims they do.

Now that you’ve finished this Continental Life life insurance review, enter your ZIP code below to compare life insurance quotes from top companies in your area.