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Life Insurance

Life insurance that gives employees value at different stages of life’s journey – starting on day one

Life insurance needs vary by individual circumstances – that's why Cigna offers flexible, personalized plans that meet employees' different life stages. When you're building a comprehensive benefits strategy, life insurance helps employees stay financially protected and better prepared. We help maximize employee benefit payments through our automatic claims submission for employees who also have Cigna's Accidental Injury, Critical Illness or Hospital Care coverage. We'll automatically file their accidental injury, critical illness or hospital care claim for them based on their Cigna life claim data.

Group Life Insurance Policy Options

  • Term Life plans are tailored to meet employers’ needs with a choice of basic (employer-paid) or voluntary (employee-paid) Term Life coverage, or a combination of the two.
  • Group Universal Life (GUL) insurance combines guaranteed amounts of life insurance with a cash accumulation fund that earns tax-deferred interest at rates typically higher than lending institutions.1

Educational Resources

Upcoming Industry Conferences and Events

Cigna Group Insurance® Resources for Employees

Value-add Programs and Services

With Cigna life insurance, employees and their families have access to a suite of programs and services available for use at any time.2

  • Cigna Life Assistance ProgramSM
    Cigna Life Assistance Program offers work/life support, referrals to counseling and community services for employees' and household members' life challenges.
  • My Secure AdvantageTM
    My Secure AdvantageTM is a full service financial wellness program that offers solutions to all types of personal financial challenges. The program includes access to expert "money coaching" for many types of financial needs, identity theft resolution and protection, online will preparation, educational webinars, access to a library of financial tools, forms and tips, and more.
  • Cigna Healthy Rewards®
    Cigna Healthy Rewards®offers discounts for you and your family members on a wide range of health and wellness products and services, including nutrition and weight management, alternative medicine, fitness and mind/body programs and equipment, hearing and vision care, and more.
  • Cignassurance®
    Cignassurance®offers an interest-bearing account at no charge for beneficiary payments of $5,000 or more through Cigna Group Insurance life and accident insurance policies. Beneficiaries also have access to Life Assistance, My Secure Advantage and Healthy Rewards.
  • Cigna Health Advocacy Services
    (Optional at added cost)

    Cigna Health Advocacy Services offers personalized assistance to help you and your family members, including parents and parents-in-law, navigate a wide range of health care and health insurance challenges.

Learn more about how Cigna can help protect your employees.

Contact your broker or connect with a Cigna representative to learn more about how we can work together.

1Contributions to a Cash Accumulation Fund (CAF) are optional and determined by the employee. Maximum contributions are subject to Internal Revenue Code limits. The actual CAF interest rate can adjust quarterly but should never be less than 4%. Savings account interest rates are not guaranteed. Contact your Cigna representative for details.

2These programs are NOT insurance and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any discounted products or services available through these programs. Cignassurance is available to beneficiaries receiving coverage checks for $5,000 or more from group life and personal accident programs. Counseling, legal or financial assistance programs are not available under policies insured by Cigna Life Insurance Company of New York. Programs are provided by third party vendors, and not by Cigna. Contact your Cigna representative for details.

3This program is available at the option of the employer for an additional cost.

Cigna Group Universal Life Insurance policies are insured by Connecticut General Life Insurance Company. Term life insurance is offered by Life Insurance Company of North America, except in NY where policies are insured by Cigna Life Insurance Company of New York (New York, NY). Plans may not be available in all areas. All group insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna representative. Policy forms: GUL - XX-603404 et al; Term Life - TL-004700 et al.