Financial & Legal Services
Life insurance coverage will help provide your loved ones the financial protection they need in the event of your death, but that’s not all.
You and your family can receive financial counseling and estate planning. Our partners can help you better prepare for today and tomorrow.
You also can use free services, such as will preparation and an identity theft toolkit.
And, if you become terminally ill, you can access some of your life insurance coverage to help ease financial stress.
Financial Services
You can receive One-on-one advice and financial guidance with a licensed Merrill Edge Financial Solutions Advisors. It's available to:
- Active employees
- Retirees
- Terminated employees who have ported coverage
- Beneficiaries of people who had Aetna life insurance coverage
Call 1-844-528-9675 and press option 1.
(Members or beneficiaries should identify them self as an Aetna member or a beneficiary of an Aetna member when calling.)
Legal Services
With our partner ARAG Services LLC®, we offer the Legal Reference™ program. You and your spouse can get free, online estate planning services. These include:
- Living wills
- Basic wills
- Health care directives
- Durable and financial power of attorney appointments
You will have access to information to help protect you from identity theft. You also can get a victim action kit if you need to have your identity restored.
If you are approved for an Accelerated Death Benefit, you also may have access to in-office legal services.
Call 1-888-257-2934 or visit the iChooseLegal website 
.
Accelerated Death Benefit
If you are terminally ill or have an advanced medical condition, you may be able to receive the Accelerated Death Benefit. It gives you up to 75 percent of your life insurance coverage amount now. You can use this money however you wish. It can help with medical expenses or daily living costs.
Your beneficiaries will receive the rest of your life insurance coverage amount after your death if you are still covered.
Our Care Advocacy Unit social workers can help you apply for this benefit. They can also tell you about in-office legal services. These are available if you are approved for an Accelerated Death Benefit.
Download our Accelerated Death Benefit fact sheet 
for more information.
You also can contact your Human Resources department or our Care Advocacy Unit at 1-800-276-5120.
