Cigna (ARLIC, CHLIC & Loyal) Contracting and Appointment

(This is for Cigna ARLIC. 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).

These are Cigna’s current policies and state availability for 2018.

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.

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

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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

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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.

Critical Choice Heart Attack and Stroke

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Issue ages 18-80; guaranteed renewable for life.

Benefit amounts from $5,000 to $50,000 may vary by state.

Coverage provides lump-sum benefit on first diagnosis of various heart conditions and stroke.

Specified Disease and Accidental Death and Dismemberment Riders are available.

Cancer Rider can be added to base policy. 

Critical Choice Cancer

AL AR AZ CO CT IA IL IN KS KY LA MI MO MS MT NC ND NE NM NV OH OK OR SC SD TN TX WI WV

Issue ages 18-80; guaranteed renewable for life.

Benefit amounts from $5,000 to $50,000 may vary by state.

Policy provides lump-sum benefit on first diagnosis of internal cancer, malignant melanoma and carcinoma in situ.

Unique Cancer Recurrence Benefit is built-in.

Specified Disease and Accidental Death and Dismemberment Riders are available.

Heart Attack & Stroke Rider can be added to base policy. 

Critical Illness

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Issue ages 18-59; guaranteed renewable until age 75.

Benefit amounts from $10,000 to $50,000.

A lump-sum benefit is provided when diagnosed with one of 15 critical health conditions.

Policy covers cancer, heart attack, heart surgery, stroke, coma, major organ transplant, paralysis, end-stage renal disease, blindness, severe burns 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.

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.

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

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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 and Contracting