Aetna Accendo

Core Final Expense Carrier at Gameplan Financial
Final Expense WL • Simplified Issue • e‑App • Riders

Carrier Information

Who: Accendo (an Aetna‑affiliated life company) specializing in Final Expense Whole Life.
Why Agents Use It: Competitive pricing, broad age bands, simplified underwriting, and smooth e‑App flow.
Best Fits: Burial/legacy needs, mortgage protection alternatives, and replacement of overpriced FE policies.
Portfolio: Final Expense WL (Preferred, Standard, Modified). Riders vary by state.
Process: e‑App + e‑Delivery through Aetna producer portal with MIB/Rx checks and reflexive health questions.
Producer Portal: Aetna Senior Supplemental FE Products • UW Guide • Submission
📂 Accendo Resource Folder
⬅ Carrier Menu Home

Final Expense Whole Life

Simplified Issue Level Premiums Lifetime Coverage
Product Highlights
Plan Types
Preferred, Standard, and Modified FE plans
Issue Ages
40–89 (verify state packets for variations)
Face Amounts
$2,000–$50,000 (varies by age/state)
Premiums
Guaranteed level for life
Riders
Terminal Illness ADB, Accidental Death (state‑specific)
Why Agents Lead With Accendo
Competitive FE pricing with broad approval rates
Streamlined e‑App reduces pending cases
State Variations Always confirm forms/riders per state

Underwriting Snapshot

Simplified Issue MIB • Rx Phone Interview (if needed)
Eligibility
Recent cancer, heart attack, or stroke → graded/modified
Stable BP/lipids with maintenance meds usually acceptable
Build and tobacco definitions affect tiering
Knockouts
Oxygen use or dementia
End‑stage renal disease
Very recent major cardiac/cancer events

e‑App & Submission

Quote & Enroll e‑Sign e‑Delivery
Process
Platform
Aetna Senior Supplemental portal
Payments
Bank draft/ACH, premium due at submission
Decision
Instant or near‑instant; pend if more info needed
Submission Tips
Use correct state packet and edition codes
Pre‑screen meds/conditions to reduce delays
Set client expectation for possible phone interview

Sales Playbook — FE Talk Tracks

Burial/Legacy Mortgage Alt Policy Replacement
Openers
“Premiums are guaranteed level for life.”
“Most clients qualify without exams — quick decisions.”
“We fit the coverage to your budget so you never overbuy.”
Objections
“Too expensive.” → Start smaller, expand later.
“I’m healthy.” → Lock in lower rates now.
“Not sure I’ll qualify.” → Multiple tiers increase approval odds.

Admin & State Packets

State Forms Disclosures Replacements
Included
Applications
FE WL packets by state
Disclosures
ADB/AD rider forms, buyer’s guides, replacement notices
Payments
Bank draft/ACH forms and premium details
Best Practices
Confirm edition codes and rider availability
Pre‑screen conditions to reduce delays

GAMEPLAN FINANCIAL LLC 2025 ©