E&O Insurance for Aetna

E&O Insurance for Aetna

Errors and Omissions Insurance Program for Aetna AGENTS

Errors and Omissions Insurance Program for Aetna AGENCIES

Choose Your Program

E&O Program Introduction

  • This Errors and Omissions insurance program is designed exclusively for Insurance Agents appointed with Aetna Life and Health Sales and is underwritten by the CNA Insurance company (Rated "A+"). The program is designed to protect Aetna Life and Health Sales agents against claims arising from the sale and servicing of Life and Health insurance products, including Medicare Advantage, Medicare Supplement and Medicare Part D.

About This Coverage

Pricing Information

Life & Health: Agents Selling Life, Accident, Health, LTC, Medicare products, Fixed & Indexed Annuities.(Does not include Mutual Funds or Variable Products)

Effective Date Pay In Full or Down Payment w/Monthly Payment
02/01/26 Apply today for $60.83 $60.83 $0.00
03/01/26 $455.00 $65.87 $40.83
04/01/26 $419.17 $65.87 $40.83
05/01/26 $383.33 $65.87 $40.83
06/01/26 $347.50 $65.87 $40.83
07/01/26 $311.67 $65.87 $40.83
08/01/26 $275.83 $65.87 $40.83
09/01/26 $240.00 $65.87 $40.83
10/01/26 $204.17 $65.87 $40.83
11/01/26 $168.33 $65.87 $40.83
12/01/26 $132.50 $65.87 $40.83
01/01/27 $96.67 $65.87 $40.83
   View more limit, coverage and pricing options
  • This is an annual policy which renews each March 1st. Premiums are prorated monthly for enrollment purposes. Pricing includes a $25.00 administrative fee. Down payment includes one month's premium and a $5.00 monthly processing fee. Monthly payments include a $5.00 processing fee and will begin the third day of the month after the enrollment effective date. Policy is subject to minimum earned premium equal to one month of premium. Administrative fees and minimum earned premium are non-refundable.
  • Premiums are prorated to allow for mid-policy enrollment.
  • This policy renews on March 1st of each year.

Program Eligibility

  • You must be actively appointed with Aetna or an Affiliated Aetna Company (Aetna Senior Supplemental Solutions, Aetna Medicare Sales, Coventry HealthCare, Aetna Medical, Aetna Life Insurance Company, Aetna Dental, Inc., and Carefree Insurance Service) at the time of your effective date under this policy in order to be eligible for coverage
  • You must have an active life and/or health insurance license to be eligible for coverage.
  • You must be actively appointed with Aetna at the time you submit a claim under this policy in order to be eligible for coverage
  • If you are no longer appointed with Aetna under the Medicare, Medicare Advantage or Senior Sales Divisions during the policy period, coverage for any new business activities ceases immediately as of your termination date. You will be covered under an Extended Reporting Period beginning on the date of termination. Please see the policy for further details.
  • Five preferred risk underwriting questions

Coverage Limits

  • $1 Million per claim / $1 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate

Program Features

  • Group Preferred Rates
  • Agent Coverage Option: Includes fixed life, accident and health, long-term care, disability income activities, Medicare, and fixed & indexed annuities
  • Additional coverage for mutual funds and variable products available if purchased
  • Defense costs reduce the limit of liability and are subject to the retention. Punitive damages are not covered by the policy. Refer to the policy form for the definition of defense costs and punitive damages.
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • This policy applies to any act, error or omission which takes place anywhere in the world, provided that the claim is made and suit is brought against the Insured in the United States of America
  • Instant proof of insurance upon approval.
  • Automatic Extended Reporting Period of 3 years- Except New York State. See policy for details.
  • $10,000,000 policy aggregate
  • Coverage Endorsements Include:
    • Wire Transfer Claim Endorsement
    • Department of Insurance Inquiry Costs Endorsement
    • Regulatory Action Endorsement
  • This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period and claims must be reported during the policy period or during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

Deductibles and Retentions

  • $500 retention for Aetna Life and Health Sales product-related claims
  • $2,500 retention for Indexed Annuities
  • $2,500 retention for Non Aetna Life and Health Sales claims
  • $5,000 deductible for variable and mutual fund products
  • $5,000 for all other covered claims

Payment Options

  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the third of each month.

Underwriter

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.
  • One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract.

    Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. “CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" service mark in connection with insurance underwriting and claims activities. Copyright © 2026 CNA. All rights reserved.
    www.cna.com
    CNA is an A.M. Best "A+" (Superior) XV rated carrier.

Disclosures

  • All policy documents are delivered in electronic format by default.
  • A.M. Best rating and other disclosures.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

  • Gallagher Affinity
  • Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions section for more information.
  • Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.

E&O Program Introduction

  • This Errors and Omissions insurance program is designed exclusively for Insurance Agents appointed with Aetna Life and Health Sales and is underwritten by the CNA Insurance company (Rated "A+"). The program is designed to protect Aetna Life and Health Sales agents against claims arising from the sale and servicing of Life and Health insurance products, including Medicare Advantage, Medicare Supplement and Medicare Part D.

About This Coverage

Pricing Information

Life & Health: Agents Selling Life, Accident, Health, LTC, Medicare products, Fixed & Indexed Annuities.(Does not include Mutual Funds or Variable Products)

Effective Date Pay In Full or Down Payment w/Monthly Payment
02/01/26 Apply today for $105.42 $105.42 $0.00
03/01/26 $990.00 $120.42 $95.42
04/01/26 $909.58 $120.42 $95.42
05/01/26 $829.17 $120.42 $95.42
06/01/26 $748.75 $120.42 $95.42
07/01/26 $668.33 $120.42 $95.42
08/01/26 $587.92 $120.42 $95.42
09/01/26 $507.50 $120.42 $95.42
10/01/26 $427.08 $120.42 $95.42
11/01/26 $346.67 $120.42 $95.42
12/01/26 $266.25 $120.42 $95.42
01/01/27 $185.83 $120.42 $95.42
   View more limit, coverage and pricing options
  • This is an annual policy which renews each March 1st. Premiums are prorated monthly for enrollment purposes. Pricing includes a $25.00 administrative fee. Down payment includes one month's premium and a $15.00 monthly processing fee. Monthly payments include a $15.00 processing fee and will begin the third day of the month after the enrollment effective date. Policy is subject to minimum earned premium equal to one month of premium. Administrative fees and minimum earned premium are non-refundable.
  • Premiums are prorated to allow for mid-policy enrollment.
  • This policy renews on March 1st of each year.

Program Eligibility

  • You must be actively appointed with Aetna or an Affiliated Aetna Company (Aetna Senior Supplemental Solutions, Aetna Medicare Sales, Coventry HealthCare, Aetna Medical, Aetna Life Insurance Company, Aetna Dental, Inc., and Carefree Insurance Service) at the time of your effective date under this policy in order to be eligible for coverage
  • You must be actively appointed with Aetna at the time you submit a claim under this policy in order to be eligible for coverage
  • If you are no longer appointed with Aetna under the Medicare, Medicare Advantage or Senior Sales Divisions during the policy period, coverage for any new business activities ceases immediately as of your termination date. You will be covered under an Extended Reporting Period beginning on the date of termination. Please see the policy for further details.
  • Five preferred risk underwriting questions

Coverage Limits

  • $1 Million per claim / $1 Million annual aggregate
  • $1 Million per claim / $3 Million annual aggregate

Program Features

  • Group Preferred Rates
  • Agency Coverage Option: Includes fixed life, accident and health, long-term care, disability income activities, Medicare, and fixed & indexed annuities
  • Additional coverage for mutual funds and variable products available if purchased
  • Defense costs reduce the limit of liability and are subject to the retention. Punitive damages are not covered by the policy. Refer to the policy form for the definition of defense costs and punitive damages.
  • Provides coverage to agency entity as an insured
  • Extends coverage to all owners and employee agents*, and is designed to cover retail agencies with multiple employee agents (*The agency policy does not cover individual 1099 agents, but these agents can enroll in the individual agent program; agencies should require 1099 agents to carry individual errors & omissions coverage)
  • Provides coverage for your administrative, clerical and support personnel while they are acting on your behalf.
  • This policy applies to any act, error or omission which takes place anywhere in the world, provided that the claim is made and suit is brought against the Insured in the United States of America
  • Instant proof of insurance upon approval.
  • Automatic Extended Reporting Period of 3 years- Except New York State. See policy for details.
  • $10,000,000 policy aggregate
  • Coverage Endorsements Include:
    • Wire Transfer Claim Endorsement
    • Department of Insurance Inquiry Costs Endorsement
    • Regulatory Action Endorsement
  • This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period and claims must be reported during the policy period or during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous E&O coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.

Deductibles and Retentions

  • $500 retention for Aetna Life and Health Sales product-related claims
  • $2,500 retention for Indexed Annuities
  • $2,500 retention for Non Aetna Life and Health Sales claims
  • $5,000 deductible for variable and mutual fund products
  • $5,000 for all other covered claims

Payment Options

  • Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the third of each month.

Underwriter

  • This errors and omissions coverage is placed with an admitted carrier. Please reference the A.M. Best rating and disclosures link below for an explanation of admitted and non-admitted carriers.
  • One or more of the CNA companies provide the products and/or services described. The information is intended to present a general overview for illustrative purposes only. It is not intended to constitute a binding contract.

    Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. “CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" service mark in connection with insurance underwriting and claims activities. Copyright © 2026 CNA. All rights reserved.
    www.cna.com
    CNA is an A.M. Best "A+" (Superior) XV rated carrier.

Disclosures

  • All policy documents are delivered in electronic format by default.
  • A.M. Best rating and other disclosures.
  • For complete details on covered professional services and exclusions, please refer to the policy form.

Program Administrator

  • Gallagher Affinity
  • Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions section for more information.
  • Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.
Frequently Asked Questions
Frequently Asked Questions