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If you can save them money move them before another agent does...it's the nature of the business.
No, they'll have to be underwritten to move them to Aetna.
If every agent does that, I guess that REALLY would accelerate the death spiral. Just curious, is Aetna notifying their existing ACL business that they have this option to qualify for the new Aetna plan. My guess is NO. I'm not sure why regulators even allow this. I would imagine that most seniors would not be aware of these serpentine changes to their policies.