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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Aetna vs. Tennessee Farmers Insurance

Both Aetna and Farm Bureau of Tennessee Insurance are two insurance providers that offer several types of insurance coverage for your home, your life, your health and your automobile. Your choice of plan depends on the coverage you need and the coverage you can afford.

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Health Insurance

Aetna offers several choices for health insurance coverage. The options for health insurance plans vary depending on the state.

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Dental Insurance

Aetna offers dental insurance coverage for individuals, families and businesses, as well as the Aetna Dental Discount Program for general dentistry, cleanings, orthodontics and whitening treatments. These policies can be purchased by an individual or through an employer sponsored plan.

Vision Insurance

Aetna offers both a vision insurance plan and a vision discount plan. The Aetna Vision discount program is available to anyone with an Aetna insurance plan and offers discounts on eye care services and products. Aetna offers a separate vision insurance plan as well.

Medicare

For older adults, Aetna offers Medicare Advantage plans, Medicare Supplemental (“Medigap”) plans, and Medicare Prescription Drugs plan.

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Short-term Disability Insurance

Aetna offers short-term disability insurance coverage, but these plans are not available for individual purchase. Aetna’s short-term disability coverage is only available through employer sponsored plans.

Prescription Drug Coverage

Prescription drug insurance is also offered by Aetna. Aetna’s prescription insurance company can save you additional money by offering savings on generic medications and offering access to a mail order pharmacy.

Life Insurance

Aetna offers several types of life insurance as well. However, these choices are limited to employer-sponsored plans only and are not available for individual purchase.

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Aetna’s Basic Term Life

Aetna’s Basic Term Life insurance offers cash benefits to any chosen person or persons after the death of the insured. Depending on your employer, your total benefit amount may be limited based on your income and the cost of premiums.

Aetna’s Basic Term Life – Additional Options

Aetna’s Basic Term Life insurance plans also have several additional benefit options. The availability of these plans to employees depends on the specific coverage and plan options offered by their employer.

The “Accelerated Death Benefit” option allows for an advanced payout of life insurance benefits when the insured becomes terminally ill.

The “Conversion” option allows the insured to continue coverage with the employer’s group life insurance policies in some cases, such as after retirement or after terminating employment.

The “Premium Waiver” option allows the insured to remain covered by Aetna’s life insurance plans without having to pay a premium if the insured person becomes disabled before a certain age with a disability that lasts for a pre-determined amount of time or longer.

Aetna’s Supplemental Term Life

Aetna’s Supplemental Term Life insurance plans are very similar to their Basic Term Life options. These plans offer an additional cash benefit to be paid out upon the insured’s death, in addition to benefits paid by Basic Term Life policies. However, the combined amount of benefits paid by both Basic and Supplemental Term Life policies may be limited to a pre-determined amount.

Aetna’s Supplemental Term Life policies offer the Accelerated Death Benefit, Conversion and Premium Waiver options as well. The Supplemental Term Life policies also have the option of “Portability,” meaning that the insured may be able to keep their life insurance coverage after leaving their employer.

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Farm Bureau of Tennessee’s Term Life

Farm Bureau of Tennessee Insurance offers term life insurance policies for 1, 10, 20 and 30 year terms. These policies have lower premiums and the cost is the same during the term. After the term is over, the policy can be converted to a permanent policy, but the premium may increase.

Aetna’s Accidental Death and Personal Loss

Aetna’s Accidental Death and Personal Loss policies pays a cash benefit to an insured person who suffers a serious injury or death due to an accident. The amount of money received is determined by the amount of coverage purchased and the type of injury. Usually only severe injuries are covered by these plans, such as paralysis, loss of speech, hearing or sight, third degree burns, loss of limbs and death.

Additional Options for Aetna’s Accidental Death and Personal Loss Plans

These Accidental Death and Personal Loss plans are available with several additional options as well. Not all employers offer these plans.

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The additional options for this policy are

  • Childcare benefits: Money to assist with childcare costs if a covered parent dies.
  • Educational benefits: Payments to assist with funding education for children after the loss of the insured’s income or to help a surviving spouse find education and employment training.
  • Passenger Restraint and Airbag Benefit: A supplemental benefit paid if the covered individual is properly using a seatbelt and/or airbags and these devices fail to save the person’s life.
  • Repatriation of Remains Benefit: This option provides financial assistance for transporting the body of an individual who dies more than 200 miles from home.
  • Coma Benefit: This benefit has the option of being paid out monthly in smaller amounts for a set number of months in the event that the covered person remains in a coma for more than thirty days after an accident.
  • Other Benefits: Some Accidental Death and Personal Loss policies also offer benefits and coverage for other losses like paralysis, loss of life due to exposure, presumed death after a disappearance or disability coverage after an eligible accident.

Dependent Life Insurance and Dependent Accidental Death and Personal Loss Insurance

These policies are the same as the other life insurance policies that Aetna offers. However, these policies cover an individual’s spouse, child or family member.

Farm Bureau of Tennessee’s Whole Life Policies

Whole life insurance policies from Farm Bureau of Tennessee Insurance offer lifelong coverage as long as premiums are paid. In addition to a death benefit, these policies have a cash value account that increases in value and is tax deferred. Policyholders can borrow against the money in the cash value portion and may also receive dividends from Farm Bureau of Tennessee Insurance.

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Farm Bureau of Tennessee’s Universal Life Coverage

Universal life insurance provides permanent coverage with more flexibility than whole life insurance. The premiums are flexible and the death benefit can be a set amount or can increase over the policyholder’s lifetime. These policies may also accumulate cash value and accrue interest.

Unlike Aetna, Farm Bureau of Tennessee Insurance also offers automobile insurance and home insurance.

How to choose coverage

The life insurance, health insurance, automobile coverage or homeowner’s insurance that you purchase depends both on your needs and on your financial position, as higher amounts of coverage result in higher premiums to pay. Prospective customers should research all of their options and assess their financial situation before choosing the best coverage for them.

Insurance can be a pricey necessity. Be sure to shop around for quotes by entering your ZIP code into our FREE quote comparison tool!