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Insurance is a contract between the insurer and the insured. The insurance company takes on the risk that the insured may suffer a loss. In return, the insurer will pay out if this occurs.
It is often referred to as “a contract of indemnity” because it indemnifies the insured against any loss they may suffer. This can be an inanimate object, such as a property or an item of a motor vehicle.
It can also be a person, such as an individual or group of individuals such as employees, directors or shareholders. A contract of insurance will often have exclusions and limitations on its coverage.
The contract itself does not have to have a written form, but is more likely to do so for some kinds of insurance policies than others; for example, life insurance policies are often given in writing to ensure that they are fully understood by all parties involved.
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In some cases contracts are signed with lawyers and not with insurers themselves. This can make it difficult to get hold of specific information about what exactly the terms and conditions of a particular policy cover.
However, where it is possible to get hold of the actual document (which usually contains more detail than simply what is contained in its policy wording), this is normally provided by law firms.
Aetna Inc. is an American company that sells, primarily through employers, traditional and consumer-oriented health insurance and related services such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability planning.
The company’s network is really wide all over the world. They have branch offices in every state.
Their main focus is on commercial business but they also provide health insurance to small business owners. Aetna provides medical and dental insurance, pharmacy benefits management services, and specialty medical products and services.
If you are a member of Aetna Insurance, but wishing to cancel it, here are the steps.
- Contact the company and inform that you want to cancel
- Confirm the cancellation
- Send a life insurance cancellation letter
The life insurance cancellation letter will consist of:
- Date
- Aetna insurance name and address
- Insurance agency name
- Insured Name and Coverage Period (found on the declaration policy page)
- Address and phone number of the insured person
- Insurance number
- Cancellation start date
- Refund requests for unused benefits (if applicable)
- If funds are automatically deducted from your account, you must include a statement that you do not authorize the removal of such funds.
- Written Policy Cancellation Confirmation Request
Do a double-check before you send the letter to avoid any issue. If you have any problem or question, please contact the customer service of Aetna Insurance.
To contact them, please have your membership card ready. Call the customer services number listed on your Aetna insurance card.
Alternatively, you can log into your Aetna account on the website and select the “Contact Us” option which will give you a phone number for your area.
There are many options for life and health insurance. If you are not satisfied with your current plan, it may be wise to consult several companies to find the policy that best suits your needs.
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