The payment was appropriate based on the details of the insurance plan, Aetna wrote. Insurers that fail to meet these guidelines ie, they spend more than the allowed percentage on administrative costs, for whatever reason are required to send rebates to their members. Frank also repeatedly called and wrote NYU Langone to contest the bill. A man walks by a Merck plant in Rahway, New Jersey in Preferred Stocks. Cash Value Cancellations When consumers who have whole life insurance plans discover they have thousands of dollars via «cash values» generated through investment and dividends from insurance company investments , they want the money, even if it means closing the account down.