Aetna burial insurance
Aetna is a health insurance brand, and the final expense policy sold under its name is written by Accendo Insurance Company, an Aetna subsidiary. That distinction matters when you look up the rating.
Rating read from AM Best on 2 September 2026. AM Best calls A excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
A reasonable A rated option with genuinely competitive pricing in some age bands. The brand recognition does most of the selling here, and it is worth comparing the actual premium against carriers that specialise in this product rather than assuming the familiar name wins.
We do not represent Aetna
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- A rated, affirmed June 2026
- A name almost every buyer over sixty recognises
- Competitive in several age bands
- Level benefit available for applicants who pass the questions
Against it
- The policy is Accendo paper, which confuses buyers looking up Aetna ratings
- Final expense is a sideline rather than the core business
- Underwriting is mid-market, neither the most lenient nor the cheapest
How it treats your health
Standard simplified issue with a knockout list and a prescription check. Controlled chronic conditions are generally acceptable. Recent cardiac events, active cancer treatment, oxygen dependence, dialysis and cognitive diagnoses are not.
What it actually sells
Simplified issue whole life for final expense, issued by Accendo Insurance Company, in level and graded tiers.
The waiting period
No waiting period on the level tier. The graded tier carries the standard two year reduced benefit on natural death.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco use, face amount, state and underwriting tier.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Aetna would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
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Questions people ask about Aetna
Is Aetna burial insurance actually Aetna?
The policy is issued by Accendo Insurance Company, which is an Aetna company. The brand on the advert and the company on the contract are related but not identical, which is why the rating shown here is the Accendo rating.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.