CVS Health / Accendo Final Expense Plans

Company Description

This CVS Final Expense product is underwritten by Accendo Insurance Company, part of the CVS Health® family of companies and an Aetna affiliate.


View Brochure and additional product details here.


Aetna's commitment to their members will always be to provide peace of mind by offering the best plans of protection possible at affordable premiums, as well as, provide unsurpassed claims payment and best-in-class customer service.


Offer a brand your clients will know and trust. With a stable history and an array of competitive products, Aetna is the company of choice for independent agents nationwide.

CVS Health / Accendo Final Expense Highlights:

3 Level Benefit Plans:

  • Standard
  • Preferred
  • Super Preferred

Note: Super Preferred will be available if a fully underwritten Aetna Medicare Supplement has been issued in the last six months.

Issue Ages: Age 40-89

Maximum Death Benefit:

  • $50,000 (Age 40-55)
  • $40,000 (Age 56-65)
  • $30,000 (Age 66-75)
  • $25,000 (Age 76-89)
  • Minimum Death Benefit: $2,000

Modified Benefit Plan:

  • Return of Premium: 10% in Years 1 and 2
  • Full Benefit: Policy year 3+
  • Issue Ages: Age 40-75
  • Maximum Death Benefit: $25,000
  • Minimum Death Benefit: $2,000

Riders Available:

Accelerated Death Benefit Rider - This rider pays up to 50% of the death benefit if the medical condition that results in a terminal, chronic, or critical illness with a life expectancy of 12 months or less.

Children’s Term Rider - This rider provides coverage through age 25 and is available in $2,500 units up to a maximum of $10,000 per child (coverage is limited to 9 children).

Accidental Death Benefits Rider - This rider pays 100% of the base policy face amount for accidental death for issue ages 40 through 70.

Product Description

  • Super preferred rate available that’s 10% lower than the preferred rate
  • Flexible coverage amounts with a low minimum policy requirement
  • Auto-drafting to match Social Security deposit schedules
  • Easy quoting and eApp process
  • Competitive commissions

CVS Health is the nation’s premier health innovation company helping people on their path to better health. Whether in one of its pharmacies or through its health services and plans, CVS Health is pioneering a bold new approach to total health by making quality care more affordable, accessible, simple and seamless. CVS Health is community-based and locally focused, engaging consumers with the care they need when and where they need it.