Exhibit 10.11

          Interoffice Communication [ATENA LOGO] [y83806y8380600.gif]        
Elease E. Wright
Head of Aetna Human Resources
(860) 273-8371
Fax: (860) 560-8721

     

To   John W. Rowe, MD       Date   December 6, 2002       Subject   Employment
Agreement

Aetna Inc.’s Board of Director’s Committee on Compensation and Organization has
approved the following amendment to your Employment Agreement with the Company
dated as of September 6, 2000. Section 2.04 of the Employment Agreement shall be
deleted and replaced with the following: “During the Employment Term, Company
shall pay an annual premium of $73,500 on life insurance covering Executive and
payable to beneficiaries designated by Executive”.

Except as so amended, the Employment Agreement shall remain in full force and
effect.

Aetna Inc.

      By:   /s/ Elease E. Wright    

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    Elease E. Wright