Answer: Thanks for your inquiry. In my experience Aetna is a company that will underwrite a family application and automatically split an application at approval if it's in the customer's best financial interests. Let me give you an example of how this would work: if you are approved at a rate of 25% over standard rate and your wife is approvable at standard rates they would split your application up so that the higher rate applies only to you. This would prevent your wife from being penalized. Various companies handle this situation in different ways. Sometimes it is best to make separate applications. It really depends on the insurance carrier.