Aetna Critical Illness Insurance - Compare

Aetna critical illness insurance is one of many plans available.  Here are reasons to consider comparing the Aetna offering:

  • First of all, you may save money.
  • Furthermore, you may get more benefits.
  • Some insurers allow you to buy directly.
  • Finally, you may be able to apply online for immediate coverage.

This webpage contains information designed to  help you wisely compare critical illness insurance policies.  We hope you find the information helpful.

It's always important to compare,even AFLAC critical illness insurance

Compare Aetna Insurance Costs: The Savings Will Add Up

compare-aetna-critical-illness-insuranceIn addition to Aetna, some 60 insurance companies in the United States sell some form of cancer-only or critical illness insurance. 

There can be significant differences between the policies.  Because prices can vary too, it makes sense to compare costs.  Likewise, benefits can also vary.

Take 10 minutes or less to compare.  USE THE COST CALCULATOR NOW.

Saving money is not just a one-year benefit for you.  Say you are currently age 45.  You probably will own this insurance for 10 years.  That’s 10 years of savings.  For that reason, comparing costs is important.

Compare Coverage: You May Want More. You May Want Less

Aetna critical-illness-insurance-compare costsAre you looking at a comprehensive critical illness insurance policy?  Maybe you are more interested in just a cancer-only policy.  Because of that, a compare both.  Especially if you worry more about cancer.

Many people, especially those at younger ages like 35-to-49, are often far more worried about the likelihood of cancer.  Therefore comparing the cost of a cancer-only policy is a smart move.

A cancer-only policy should cost significantly less.  So, do you want just this option?  It’s your money and your plan so take two minutes to compare.

Or, maybe you are looking at a cancer-only option.  You have concerns about the financial consequences resulting from a heart attack or stroke.  Because each person has different needs, we advocate comparing both options.  Indeed you may want the full coverage.  Because it’s your money and your plan, always compare.

Compare Coverage If You Are A Non-Smoker

Some critical illness insurance companies charge the same to smokers and non-smokers.

As a result, non-smokers are subsiding some of the cost for smokers.  Smokers have a higher risk of cancer, heart attack or stroke. 

Therefore non-smokers should always see if a non-smoker rate is offered.  Because of this, you could benefit from significant savings.

Compare if Your Employer Is Offering Critical Illness Insurance

If your Employer offers critical illness insurance here are things to compare:

  • Do you have both cancer-only and comprehensive critical illness options?
  • Compare the annual rate.
  • Can you pay monthly? Is there an added charge?
  • Are there any additional fees?
  • Do non-smokers pay the same as smokers?
  • Do men and women pay the same (for the same age)?
  • Are  premiums level or will they increase as you age?
  • If you leave the company, can you continue the coverage?
  • Does the policy terminate at a certain age?
  • Can my spouse or partner be covered by the same company?

Additional Critical Illness Insurance Information is available.  Besides information here,  access the Critical Illness Insurance Association’s News Archive to read the latest information on cancer, heart attacks, strokes and critical illness insurance.
Specifically, see the latest Facts About Cancer from the American Cancer Society.
Then see the latest Heart Disease Prevention Tips from the American Heart Association.

Compare Aetna, Unum, AFLAC and other critical illness insurance policies

Read more about getting the best critical illness insurance quotes.

Additional Tips for Consumers:

Firstly, your contract defines what is covered and what is not.  Verbal representations by agents or others are not binding.

Secondly, it is really important to think how many years you want this coverage to last.  For many, their critical illness insurance protection is most important until they retire (at age 65 or 70).  After that you will have Medicare and Social Security.  You home may be fully paid off.

Thirdly. it often pays to buy this coverage 30-to-60 days before your next birthday.  You may lock in lower rates.

Fourthly, for many people in their 40s and 50s. the chance you’ll use a critical illness insurance policy is higher than the chance you’ll use a disability insurance or life insurance policy.  We have some good information on this website.

Finally, only buy what you know you can afford not just now but for the next few years.  Too many people buy this coverage.  Then they have buyers remorse and don’t pay for year two.  When you do that, it may benefit the insurance agent but not you. 

Regardless of what you decide, we thank you for taking the time to visit the Association’s website.


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