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

UPDATED: Mar 19, 2020

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Aetna vs First Investor's Life Insurance

When planning for you or your family’s future, life insurance is something many people look to obtain. Whether planning for retirement or beyond, it can sometimes be time-consuming to find the plan with the benefits that suit you best.

First Investors Life Insurance Company and Aetna are just two life insurance companies out of the many to choose from. Aetna is a comprehensive company that offers not only life insurance, but medical, dental insurance, and a few other programs for families, self-employed, and individuals. However, some of their programs are geared to be offered through employers only.

First Investors Life Insurance Company is primarily only life insurance with different tier levels to suit your needs. It is important to note, however, that the required premium payments must be met, or money will be lost. You may choose from any one of the four different levels.

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The ISP Choice Plans

  • ISP Choice-10: You pay the premium for 10 years until it’s paid in full. The cash value continues to accrue as long as the policy remains open.
  • ISP Choice-20: More insurance coverage for your money. The premium is lower, and is paid in full after 20 years.
  • ISP Choice-65: The payment period ends when you hit your 65th birthday. There is no further payment obligation.
  • ISP Choice WL (Whole Life): The most insurance coverage with a limited cost of coverage. It offers all the advantages of life insurance.

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Single Premium Variable Life Insurance Plan

  • This plan is for individuals nearing retirement age. And offers:
  • Offers tax-deferred investment options
  • Estate planning
  • Diversification
  • Professionally managed investment options plus a fixed account

Sensitive Whole Life Insurance Plan

  • The plan that offers insurance for a lifetime up to 121 years old, and is for those who are desiring something permanent. The premiums should be made in a timely manner and cannot be canceled. It offers:
  • Fixed premiums
  • Builds value on income tax-deferred basis
  • Guaranteed minimum annual interest rate of 3.5%
  • Potential for additional earning from Excess Interest rates on all income tax-deferred status
  • Interest rate crediting available
  • Cash value that accumulates quickly
  • Option to suspend premiums

Benefits For Personal Needs

  • Life Insurance is available to any one of your family members who are between 0-80 years old
  • Pay off the debts of your mortgage or any other outstanding ones with Mortgage Insurance
  • The expenses for your estate can be covered with Estate Planning
  • Upon your death, donating can be made easier to your favorite charity through Charitable giving

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For Your Business Needs

  • You can be sure that your business is safeguarded
  • There is an attractive employee benefit package offered
  • The Key Person Insurance provides funds to make sure that your business continues to thrive after you pass
  • Valuable employees are rewarded and retain life insurance through the Executive Bonus Arrangement
  • Ownership rights of employees are retained through the policy
  • If you and your employees agree on sharing the cost of the premium, you have the choice by using Split Dollar Agreements as a great employee incentive
  • Funds from the Buy/Sell Agreements help to purchase ownership of interest of a deceased owner/partner
  • A child’s education, help in buying a new home, or funds for retirement can be funded with help through the Accumulation Value on an income tax-deferred basis

All plans allow you to surrender against your policy fully or partially. With the ISP Choice plans, it can be done after the first year with no penalty. The Single Premium Variable, if you surrender before the age of 59 ½, there is a 10% penalty. With Sensitive Whole Life, it can be made at any time, but if done in the first 20 years, a surcharge will occur.

There is also the option to take a loan out on any of the plans. With all plans, after the first 3 years, the loan is for 75% of the cash value, and 90% thereafter. The interest rate on loans, for all plans is 6%.

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Aetna’s life insurance policy plan is not available, unfortunately, for individual purchase. If you have an employer who offers this, that is the only way anyone can get a policy. If your employer offers it, you can receive:

Basic Term Life Insurance

  • For the terminally ill, the Accelerated Death Benefit can be requested at any time
  • Those who have been either terminated from employment or are in retirement, Conversion can keep them insured
  • Premium waiver that is coverage that can be continued with or without premium
  • payments if insured is disable before a pre-determined age, and lasts for a pre-determined period of time

Insurance for the College Student

Student Insurance is an option available for students who do not have insurance through their college or university. Coverage consists of a network for:

  • Doctors
  • Hospitals
  • Specialists
  • Discounts on fitness, contact lenses and teeth cleaning

Both individuals and those who have a participating employee are eligible. When you sign up, you can make your choice from three different plans.

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 The Low-Cost Dental Maintenence Organization (PMO)

  • You must call the dentist to make initial appointment
  • There a co-insurance payment
  • You pay between $0-15 for the office visit co-pay
  • There is no deductible and no annual limit
  • Specialist referrals are required
  • Procedures not covered are your responsibility

The Preferred Provider Organization (PPO) or Participating Dental Network (PDN)

  • You can choose any licensed dentist, discounts for those on the network
  • There is a co-insurance payment
  • There is not office visit co-pay with this plan
  • No referral is necessary

Dental Indemnity

  • You can choose from any dentist, anywhere in the country
  • There is a co-insurance payment
  • There is no co-pay for the office visit
  • There is a deductible, and procedures not covered are to be paid until it is met
  • No referral is required
  • There is a cap on the benefit limits under this plan

Aetna also includes vision for your eye care needs. A Health and Wellness program for fitness, family health, women’s health, behavior and mental health, and diet and nutrition. With a participating employer, Disability Insurance is covered if you become disabled, as well as a Pharmacy program.

If you’re looking for primary life insurance, you might consider First Investor’s Life Insurance. Aetna is a good choice if you’re looking for a little more than just life insurance to fit your family’s needs.

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