Cigna My Life Check Up

Let’s play the Cigna My Life Check Up game.

IS YOUR LIFE INSURANCE KEEPING PACE WITH YOUR LIFE?

SELECT THE CHARACTER THAT FITS YOUR CURRENT STAGE IN LIFE TO FIND OUT.

MILLENNIAL

11%

Think you are too young to need life insurance?

Top 4 reasons to consider it now:

  1. Lower Premiums* – Premiums are typically lower when you buy life insurance at a young age. Take advantage of the savings.

    Did you know that group insurance provides a Guaranteed Issue limit that provides a certain amount of coverage without the need to provide any proof of good health?

  2. Others rely on you – Who depends on you? Parents, grandparents, siblings or a significant other? Would their needs continue to be met if anything happened to you?
  3. Outstanding debts – If someone was the co-signer of your student loans or a mortgage, and something unforeseen should happen to you, those debts would likely become their responsibility.
  4. Leaving a legacy – Life insurance is also a way to be remembered. The gift to your beneficiaries or a charitable organization could have a significant impact in the future.

* With the use of age-banded rates, coverage that you pay for can increase over time. However, you can enjoy the benefits of lower premiums when insured at younger ages.

GENERATION X

11%

You can’t plan for the unexpected, but it is best to be prepared.

At this age, you know the risks of not protecting yourself, but have you adequately prepared if the unexpected should happen?

Here’s why you should consider life insurance now

  1. The kids may be going to college or graduate school. Could they afford college without your financial support?
  2. You have a mortgage and home maintenance to take care of. Could your family afford to live there without you?
  3. Others rely on you – Who depends on you? Parents, grandparents, siblings or a significant other? Would their needs continue to be met if anything happened to you?

BABY BOOMERS

11%

Start thinking about the transition to retirement.

Check your life insurance coverage to see if it meets your family’s needs at this point in time.

Top 3 reasons to consider life insurance now

  1. Final expenses – Plan for this cost to avoid leaving a financial burden for your loved ones.
  2. Others depend on you – Who depends on you? Parents, grandparents, siblings or a significant other? Would they get by if anything happened to you?
  3. Additional protection – Help make sure your family can maintain their lifestyle if something unexpected were to happen to you.

SENIORS

11%

Reassess your life insurance policy to ensure it can cover your final expenses. Life insurance can mean peace of mind for you – and for your loved ones should you pass away.

Top 3 reasons to consider life insurance now

  1. Final expenses – Plan for this cost to avoid leaving a financial burden for your loved ones.
  2. Outstanding expenses – A life insurance policy can be used to pay outstanding debts such as medical bills, mortgage payments and credit card balances.
  3. Caring for your significant other – if you’re providing care for someone else, then consider how that obligation would continue to be met if you were no longer here to provide it.

22%

Love and Marriage

Are you married or do you plan to get married?


44%

Home Sweet Home

Do you own a home?

Is your home paid off?


66%

How many loved ones depend on you?

Include significant others, parents, children, and any other family members.


88%

When your income increases, your spending usually increases too. It is a good idea to reassess your life insurance coverage whenever your income rises so that if something unexpected were to happen to you, you can help your family maintain their current lifestyle.

When your income increases, your spending usually increases too. It is a good idea to reassess your life insurance coverage whenever your income rises so that if something unexpected were to happen to you, you can help your family maintain their current lifestyle.

Thinking about retirement?

Most of your debts are likely minimal at this point and you have the future planned out. If something unexpected were to happen, a life insurance policy could help supplement income for a surviving spouse. You might also want to provide a charitable gift for a local nonprofit you are actively involved in.

Do you have any other debts?