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I personally explain, the Aetna companies ACI & CLI along with MOO companies.
If you look at the customer ID cards with Aetna. The Aetna logo in the upper left hand corner is larger than the total of space of the words- American Continental Insurance Company on the right side of the card, so what is brand message is Aetna pushing.
That has been my point all along. This sin by the agent is not that big, the company is busy pushing it and the agent is almost stupid not to follow along, with the caveat that you explain.
The real issue to me were the outright lies the agent told, about rate stability and how long the company has been in the Medicare field.