Accendo Insurance Company Headquarters Address, Corporate Office Location, and Contact Details
About
Accendo Insurance Company is a US life and health insurance carrier domiciled in Utah, with its registered principal place of business at 3148 West 3500 South, West Valley City, Utah 84119. It is a wholly owned subsidiary within the CVS Health family of companies — the $370+ billion health services and pharmacy retail conglomerate — and an affiliate of Aetna, the CVS Health subsidiary that is one of the nation’s largest health insurance providers. Accendo operates under NAIC ID 63444 and is regulated as a stock life and health insurance company under Utah’s Division of Insurance. Accendo was originally incorporated in 1955 as The Nutmeg Life Insurance Company, domiciled in Connecticut. In 2007, it was acquired by Accendo Holding Company and redomiciled to Utah under its current name. It subsequently became part of the Aetna/CVS Health corporate family following CVS Health’s $69 billion acquisition of Aetna in 2018 — one of the largest insurance mergers in US history. Accendo entered the Medicare Supplement (Medigap) market in March 2020, quickly gaining attention for competitive pricing, a market-leading 14% household premium discount (later adjusted to 12%), instant approval decisions, and a 12-month rate lock. It offered Medicare Supplement Plans A, B, F, G, and N across 42 states. In addition to Medigap, Accendo issues final expense life insurance policies under the Aetna Senior Supplemental Insurance program, alongside its sister company Continental Life Insurance Company of Brentwood, Tennessee (CLI). As of April 2023, Accendo stopped accepting new Medicare Supplement applications in all states — a strategic decision by CVS Health and Aetna to consolidate their Medigap distribution under a single carrier framework. Existing policyholders enrolled before April 2023 are fully covered, receive uninterrupted service, and are not affected by the closure to new business.
Critical context for policyholders: If you are an existing Accendo Insurance Company policyholder, your coverage remains active and your policy terms are unchanged. Customer service, claims, and billing are handled through Aetna Senior Supplemental Insurance — not through a separate Accendo-branded phone line. The mailing address and contact information for policyholders is managed through Aetna’s Hartford, Connecticut operations center. The West Valley City, Utah address is the domicile and registered corporate address — not a consumer-facing service center.
Quick Facts
Legal name
Accendo Insurance Company
NAIC ID
63444
State of domicile
Utah
Year incorporated
1955 (as Nutmeg Life Insurance Company, CT)
Renamed / redomiciled
2007–2008 (to Utah as Accendo Insurance Company)
Registered HQ
3148 West 3500 South, West Valley City, UT 84119
Registered agent
C/O CT Corporation System, 1108 E South Union Avenue, Midvale, UT 84047
Mailing address (policyholder correspondence)
151 Farmington Avenue, RW61, Hartford, CT 06156
Michigan mailing address
2211 Sanders Road, Northbrook, IL 60062
Standard phone
(801) 961-6256
Policyholder customer service
(800) 264-4000
Agent support
(866) 272-6630
Total assets
$485,433,727 (as of most recent Nebraska filing)
Total liabilities
$348,880,953
Total surplus
$134,052,774
Parent company
CVS Health Corporation
Affiliated insurer
Aetna / Aetna Senior Supplemental Insurance
Sister company
Continental Life Insurance Company of Brentwood, TN (CLI)
A.M. Best rating
“A” (Excellent) as of last published rating
Products
Medicare Supplement (Medigap) Plans A, B, F, G, N; Final Expense Life Insurance
New Medigap business
Closed to new applicants as of April 2023
Website
aetnaseniorproducts.com
What Brings You Here? Find the Right Contact
Existing Accendo Medicare Supplement policyholder — billing, claims, or policy questions
Call (800) 264-4000. Accendo Medicare Supplement policies are serviced through Aetna Senior Supplemental Insurance. For written correspondence, mail to: Accendo Insurance Company, P.O. Box 936852, Atlanta, GA 31193-6852.
Existing Accendo final expense (life insurance) policyholder
Call (800) 264-4000. For claims, mail documentation to the address on your policy or to Aetna Senior Supplemental Insurance, 151 Farmington Avenue, RW61, Hartford, CT 06156.
New Medicare Supplement enrollment inquiry
Accendo Insurance Company stopped accepting new Medicare Supplement applications in April 2023. For new Medigap coverage, contact Aetna Senior Supplemental Insurance directly at aetnaseniorproducts.com or through a licensed Medicare broker in your state.
Agent or broker inquiry — existing Accendo business
Call agent support at (866) 272-6630 or email AetSSINewBusiness@aetna.com. Note: Accendo no longer accepts new Medigap applications. Agent inquiries for existing in-force policies are serviced through Aetna Senior Supplemental Insurance.
Claims submission
Mail claims to: Accendo Insurance Company, P.O. Box 936852, Atlanta, GA 31193-6852. For questions about an existing claim, call (800) 264-4000.
Final expense / burial insurance claims (ACI/CLI)
Mail to: P.O. Box 680579, Franklin, TN 37068-9923. Contact: AetSSILIFE-Claims@aetna.com.
State insurance department complaint (regulatory)
Accendo is regulated by the Utah Insurance Department. Contact: insurance.utah.gov. Michigan complaints go to DIFS (difs.state.mi.us). All other states: your state insurance commissioner’s office.
Legal / subpoena
Serve Accendo Insurance Company through its registered agent: CT Corporation System, 1108 East South Union Avenue, Midvale, UT 84047. The registered domicile address is 3148 West 3500 South, West Valley City, UT 84119.
Phone & Contact Directory
Policyholder customer service
(800) 264-4000 — Billing, claims, benefits, and policy inquiries for Medicare Supplement and final expense policyholders.
Agent / broker support
(866) 272-6630 — Agent inquiries for in-force Accendo policies.
Corporate / regulatory phone
(801) 961-6256
Customer service email
AetSSIPHS@aetna.com
New business / agent email
AetSSINewBusiness@aetna.com
Claims email (life/final expense)
AetSSILIFE-Claims@aetna.com
Claims fax
(855) 829-4026
Agent applications fax
(855) 447-0391
Website
aetnaseniorproducts.com
Corporate Headquarters & Office Addresses
Registered domicile (Utah corporate address)
Accendo Insurance Company
3148 West 3500 South
West Valley City, UT 84119
United States
Registered agent (for legal service)
C/O CT Corporation System
1108 East South Union Avenue
Midvale, UT 84047
Policyholder mailing address (Hartford, CT — primary service center)
Accendo Insurance Company
C/O Aetna Senior Supplemental Insurance
151 Farmington Avenue, RW61
Hartford, CT 06156
Claims mailing address
Accendo Insurance Company
P.O. Box 936852
Atlanta, GA 31193-6852
Final expense / life insurance claims
P.O. Box 680579
Franklin, TN 37068-9923
Final expense / life insurance premium payments
C/O Bank of America Lockbox Services
P.O. Box 742179
Atlanta, GA 30374-2179
Additional agent-facing new business address
2432 Fortune Drive
Lexington, KY 40509
Michigan / Northbrook administrative mailing
2211 Sanders Road
Northbrook, IL 60062
Parent company headquarters
CVS Health Corporation
One CVS Drive
Woonsocket, RI 02895
Why so many addresses? Accendo Insurance Company, as an Aetna/CVS Health affiliate, routes different functions through different operational hubs that Aetna uses across its Senior Supplemental Insurance division. The West Valley City, Utah address is the state domicile for regulatory purposes. Hartford, Connecticut is Aetna’s historic headquarters and processes most policyholder correspondence. Atlanta, Georgia handles claims processing. Franklin, Tennessee handles life/final expense claims. Lexington, Kentucky handled new business underwriting (now closed to new Medigap applications).
How to Escalate a Complaint
- Call (800) 264-4000 first — Document the date, representative name, and any case reference number. For billing errors, denied claims, or policy disputes, request a supervisor on the first call.
- Submit a written complaint to the Hartford service center — Write to Accendo Insurance Company, C/O Aetna Senior Supplemental Insurance, 151 Farmington Avenue, RW61, Hartford, CT 06156. Include your policy number, prior contact dates and rep names, the specific dispute, and the resolution you are requesting. Send certified mail with return receipt.
- File a complaint with your state insurance commissioner — State insurance departments have authority over insurance claim denials, billing disputes, and unfair practices. Your state commissioner’s office is typically the most effective escalation for insurance complaints. Find your state commissioner at naic.org/state_contacts.
- File a complaint with the Utah Insurance Department — As Accendo’s domicile state regulator: insurance.utah.gov. Phone: (801) 538-3800.
- File a complaint with the NAIC — The National Association of Insurance Commissioners maintains a Consumer Insurance Search tool and can route complaints to the appropriate state regulator at naic.org.
- File a complaint with your state’s Medicare assistance program (SHIP) — Every state has a free State Health Insurance Assistance Program (SHIP) that provides one-on-one counseling for Medicare insurance complaints and disputes. Find your SHIP at shiphelp.org.
- File a complaint with Medicare (CMS) — For Medicare Supplement plan complaints, contact the Centers for Medicare & Medicaid Services at medicare.gov or 1-800-MEDICARE (1-800-633-4227).
- File with the Connecticut Insurance Department — Since Aetna’s primary service center for Accendo is in Hartford, CT, the Connecticut Insurance Department is also a relevant regulator: ct.gov/cid.
- File with your state’s AG — For systematic billing fraud, unauthorized charges, or deceptive insurance practices, your state Attorney General’s consumer protection office has jurisdiction.
Corporate Ownership Structure
Understanding who owns and controls Accendo Insurance Company is essential for consumers, agents, and regulators navigating escalations, legal service, or policy inquiries.
Accendo Insurance Company
Utah-domiciled stock life and health insurer. NAIC 63444. Issues Medicare Supplement and final expense life policies.
Accendo Holding Company
Intermediate holding company that acquired and renamed the entity in 2007.
Aetna Inc.
CVS Health subsidiary. Parent of Aetna Senior Supplemental Insurance, which administers Accendo’s policyholder services, claims, and agent channel. Aetna has provided senior supplemental insurance for 50+ years.
CVS Health Corporation
Ultimate US parent company. One CVS Drive, Woonsocket, RI 02895. Acquired Aetna in 2018 for approximately $69 billion, creating one of the largest US health services companies.
Sister company — Continental Life Insurance Company of Brentwood, TN (CLI): Accendo and Continental Life Insurance Company of Brentwood, Tennessee are co-issuers within Aetna’s Senior Supplemental Insurance program. Both companies issue final expense life insurance under the same Aetna brand and agent distribution system. For policyholders, the two companies are functionally interchangeable from a service perspective — the same phone numbers, addresses, and claims processes apply to both.