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Cigna (ARLIC, CHLIC & Loyal) Contracting & Appointment

(This page is for Cigna. There is a separate page for Cigna-HealthSpring.)

Cigna is a global health service company with a history in the insurance business that spans more than 226 years.

Cigna Supplemental Benefits is a key provider of supplemental health products. The CSB product portfolio is insured by American Retirement Life Insurance Company (ARLIC), Cigna Health and Life Insurance Company (CHLIC) or Loyal American Life Insurance Company (Loyal).

Cigna is online at Cigna.com and maintains multiple social media accounts on most major platforms. They maintain a full list of social media links on their website.

These are Cigna’s current policies and state availability for 2019, as well as information on agent contracting and appointment.

Cigna's History

Cigna formed in 1982 when Connecticut General Life Insurance Company merged with INA Corporation. INA – founded in 1792 – was the first company to offer life insurance policies for sea captains in 1794. Connecticut General began offering health insurance in 1912. The name Cigna is an anagram of INA and CG, the two founding companies.

Since the merger, Cigna has seen several milestones as a company, including acquisitions and international expansion. In 2005 they became a Medicare Part D provider, and in 2012 they acquired Medicare provider Health Spring.

Today the company offers a wide variety of plans and services, including Medicare Advantage under the name Cigna-HealthSpring, as well as cancer plans, heart attack and stroke plans, life insurance, and Medicare Supplement insurance. In addition to Cigna-HealthSpring, they also under the names Cigna, ARLIC, CHLIC, and Loyal American Life Insurance Company.

Accident Treatment

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Issues ages 18-74.

Guaranteed renewable to age 80.

Benefit amounts from $2,500 to $25,000 to reimburse covered expenses.

The policy provides indemnity benefits to help pay for a broad range of treatments when injured in a covered accident.

Lump-sum Cancer and Heart Attack & Stroke riders are available along with Hospital, ICU and Return of Premium riders; may vary by state.

Benefits include Burn, coma, broken bones, surgical, ambulance, accidental death and dismemberment, family lodging and more.

Accident Expense

AL AK AR AZ CT DE DC GA HI IA ID IL IN KS KY LA ME MI MO MS MT NC ND NE NM NV OK OR PA RI SC SD TN TX VT WA WI WV WY

Issue age from birth to 74; guaranteed renewable to age 80.

Benefit amounts from $2,500 to $25,000 to reimburse covered expenses.

Provides benefits for incurred expenses when a covered accident occurs with Accidental Death and Dismemberment Benefits included for no additional premium.

Declining Deductible Benefit, Parent Benefit, and more riders are available.

Cancer Treatment

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NH NM NV OH OK OR PA RI SC SD TN TX VT WA WI WV WY

Issue ages 18-99; guaranteed renewable for life.

Designed to provide fixed benefits to help pay for a broad range of cancer treatments, care, and associated costs.

Lump-sum Cancer and Heart Attack & Stroke riders are available along with Hospital, ICU and Return of Premium riders; may vary by state.

Benefits include Radiation, bone marrow transplant, chemotherapy, reconstructive surgery, experimental treatments and more. 

Flexible Choice Cancer

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Issue ages 18-99; guaranteed renewable for life.

Benefits amounts from $5,000 to $100,000 may vary by state. Optional riders are available to increase benefits.

The policy provides a lump-sum benefit for the diagnosis of cancer with the flexibility to add multiple riders for recurrence, restoration and more.

No tobacco questions on the application.

Flexible Choice Heart Attack and Stroke

AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VT WA WI WV WY

Issue ages 18-99; guaranteed renewable for life.

Benefits amounts from $5,000 to $100,000 may vary by state. Optional riders are available to increase benefits.

The policy provides a lump-sum benefit for the diagnosis of heart conditions and stroke with the flexibility to add multiple riders for recurrence, restoration and more.

No tobacco questions on the application.

Individual Whole Life

AL AK AR AZ CA CO CT DE DC GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Issue ages 50-85. Benefit amounts from $2,000 to $25,000 may vary by state.

Designed to help pay final expenses with Level and Modified benefits; provides coverage under a variety of health conditions.

No height/weight chart.

Accidental Death Benefit to Age 100 is an optional rider.

Spousal premium discount when both individuals apply at the same time. No annual policy fee.

Medicare Advantage

For Medicare Advantage, see Cigna-HealthSpring

Medicare Supplement

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For customers who are enrolled in Medicare Parts A & B, Medicare Supplement coverage is offered to help pay out-of-pocket expenses plus value-added service programs are provided through third-party vendors.

Multiple underwriting rate classes are available outside of open enrollment and any guaranteed issue period.  

Household premium discount available in some states and may vary by state and company.

Electronic Application ~ no “wet” signature is an option. 

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Cigna (ARLIC, CHLIC & Loyal) Appointment & Contracting