Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 27, 2022

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As a general rule, all insurance is about cost management and planning for the unexpected. However, when it comes to a funeral insurance company, insurance is not a one size fits all proposition. Nearly every company has its own specialties and ways of distinguishing itself from its peers.

Funeral Directors Life Insurance Company (“FDLIC”) and AETNA are two such reputable insurance providers. FDLIC distinguishes itself by narrowly focusing on funeral services and preparation, while AETNA offers everything from life insurance plans and various discounts such as gym memberships.

Comparing insurance providers can be a frustrating but necessary task. Read on to find out more about Aetna vs. Funeral Directors Life Insurance.

Funeral Directors Life Insurance Company

A small group of funeral directors started FDLIC back in the 1980s. FDLIC specializes in prepaid funeral arrangements, also referred to as preneeds. FDLIC’s target market includes marketing organizations, funeral profession associations, and funeral homes. If you’re interested in FDLIC’s products, you generally must contact a prearrangement specialist or funeral director in your community.

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Preneeds enable you to plan the details of your funeral before you die. This shifts the burden of funeral planning from your grieving family members to you. The following includes just a few of the many types of arrangements you can make in a preneed:

  • Organs – If you are interested in donating certain organs upon your death, you can specify which ones you would like to donate in your preneed.
  • Songs – If you want a relative to sing a specific song at the funeral, you can specify that in your preneed.
  • Other things – You can also develop your written wishes for your casket, burial location, and other specifics in a preneed.

Cost Benefits:

According to the National Funeral Directors Association (“NFDA”), funeral expenses can amount to, on average, more than $7,000. The preneeds allow you, rather than your family, to pay funeral expenses in installments while you are still living.


FDLIC’s preneeds are transferable to funeral homes across the country. Moreover, as long as you’re alive, you can alter the preneed to reflect your changing tastes and desires.

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Other Products:

FDLIC also offers a preneed insurance policy. If you die before you have paid all the installments for your plan, the policy provides life insurance that covers the remaining costs. You must, however, meet certain health qualifications to qualify for the life insurance aspect of the preneed insurance policy.

FDLIC offers a graded benefit insurance. This policy is for those, other than the terminally ill, who have had health issues in the past. The graded benefit insurance starts out as partial coverage and graduates to full coverage after the first two years.


AETNA has been around since the 1850s. Its diverse product line allows AETNA to tailor plans that meet multiple healthcare needs. AETNA targets its marketing to both individuals and businesses seeking to provide their employees with healthcare. If you’re interested in AETNA’s services, you likely can obtain information directly from the company’s website or through your employer.

Pharmacy Plans:

AETNA offers pharmacy plans. AETNA’s pharmacy plans allow you to obtain prescription drugs at a discounted price when you purchase them in accordance with the plan. Another means of savings through the pharmacy plan is though what AETNA calls “pre-certification.” Pre-certification involves you and your doctor obtaining approval for the drugs before seeking insurance coverage for them.

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Life Insurance:

AETNA offers life insurance policies. Life insurance policies are agreements wherein the insurance provider pays out a pre-agreed amount upon your death. The arrangement allows you to designate a person, called a beneficiary, to receive those life insurance proceeds when you die.

Disability Insurance:

Excellent disability insurance is available through AETNA. If you face a qualified disability, AETNA will help supplement the income loss you suffer as a result. Disability stemming from certain conduct is not covered. For example, if you become disabled while attempting to rob a bank or commit some other crime, your disability insurance will be of no help to you. Other examples include injuries you inflict on yourself, injuries stemming from acts of war, and those resulting from your driving while under the influence of alcohol.

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AETNA offers vision plans that offset the costs of annual eye exams, prescription eye glasses, contacts, and surgeries. AETNA’s vision plans allow you to choose from a network of providers to maximize savings. You may also use out-of-network eye doctors and seek reimbursement from AETNA for the additional expense. You can purchase AETNA’s vision plan as a stand alone plan or as part of an overall medical insurance plan.

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Medical Insurance:

AETNA’s medical insurance plans are highly customizable. One plan, for example, is only for retirees who are eligible for Medicare and exceed age 65. It’s called the Medicare Advantage plan. Other plans vary based on whether you choose to work inside or outside AETNA’s network of healthcare providers. The Network Only Plan, for example, allows you to choose whether you want to access particular facilities or providers with or without referrals.


AETNA has several dental insurance plans to help offset the expense of dental visits. Some of the plans include the Advantage Dental, Basic Dental, and Family Preventive. To obtain the benefits of the plan, you generally must find a dentist who’s a member of AETNA’s dentist network. If you visit a dentist outside AETNA’s network, you will have to pursue reimbursement for the amount in excess of your deductible through AETNA.

Other Health-Related Products:

AETNA also offers non-insurance products that serve a health-related purpose. For example, you can obtain a discount on gym equipment and gym memberships through what AETNA calls the AETNA Fitness SM Discount Program. Other examples of AETNA’s health-related products are its discount program for alternative therapies such as massage and acupuncture.

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Bottom Line:

  • Both Funeral Directors Life Insurance Company and AETNA offer life insurance.
  • Moreover, they both offer products that are tailored to the customer’s needs.
  • Aside from these two similarities, the two companies are miles apart in terms of product offerings and the types of customers they serve.

FDLIC’s focus and AETNA’s variety allow both companies to continue to make their marks in the insurance industry. Both companies have shown longevity and a commitment to their craft. These companies illustrate the fact that, where insurance is concerned, different can be a good thing.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out my auto insurance, life insurance, and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!