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Cigna Group Life Insurance

Learn how to plan for your family's financial future.

It’s not an easy subject to think about, but if something were to happen to you, would your family be able to make ends meet? For how long?

Cigna Life Insurance helps provide your family with additional financial resources should you pass away prematurely.*

The sooner you buy, the more cost-effective it can be.

Why? Typically the younger you are when you purchase life insurance coverage, the less you'll pay in premiums. You may also qualify for larger coverage amounts if you provide proof of good health.

Planning Resources

Life Insurance Assessment and Calculator

Find out how much life insurance you may need to plan for your family's financial future. Get started now

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Infographic | July 2019

Think It’s Too Expensive?

Most people overestimate the cost of life insurance coverage by more than 3x its actual cost, while millennials overestimate the cost by 5x the actual cost!

Value for you and your family from day one.

Whether you’re healthy, sick, injured, facing a life changing event or financial challenge – Cigna is here to provide assistance and support.

With your Cigna plan, you and your covered family members have access to a suite of programs and services for use at any time at no additional cost.*1

Cigna offers two different Life insurance policies to meet your needs:

Cigna Term Life Insurance

How it works:

  • Select a coverage amount and enroll (pending approval if needed.)
  • Once you’ve enrolled, you’re covered for a specific period of time, or “term."
  • Set aside a certain amount of money out of each paycheck, and contribute through convenient payroll deductions or lump-sum payments.
  • If you pass away during the term, the beneficiary you designate will receive a payment for a covered claim.

How it helps your family:

You can designate the following beneficiary/beneficiaries to be recipients of your life insurance policy:

    • Family
    • Final arrangements, or set aside money for a life celebration (through a will)
    • Religious organization or church (through a will)
    • Your alma mater
    • For future care of your pets (through a will)

Let your beneficiary know you’ve designated them, so they can submit a life insurance claim.

Why enroll through your employer?

  • Lower rates. Your coverage will be less expensive than if you purchased coverage on your own.
  • Cost savings. As premiums are typically lower when you buy life insurance at a younger age, this is a great opportunity to build the coverage you’ll want later.
  • Guaranteed issue. You are guaranteed a certain amount of coverage without the need to answer any medical questions.
  • Convenient payroll deductions. With easy deductions from your paycheck, there’s no need to write a check on a monthly basis.

Watch to learn more about Cigna Term Life Insurance

Cigna's Group Universal Life (GUL)

How it works:

  • Select a coverage amount and enroll (pending approval if needed.)
  • Set aside a certain amount of money out of each paycheck, and contribute through convenient payroll deductions or lump-sum payments.

How it helps your family:

Payment can be used to:

    • Cover final arrangements or set aside money for a life celebration (through a will)
    • Cover your family’s living expenses
    • Save for the future with a cash accumulation fund (CAF)

Why enroll in Cigna's Group Universal Life (GUL)?

  • With Cigna's portability option, you can keep your coverage if you switch employers.
  • Your GUL comes with a Cash Accumulation Fund (CAF) that allows you to set aside pre-tax money on a regular basis.
  • This account can earn even more interest than most savings accounts, as the minimum rate will never be less than 4%.

*These programs are separate from your medical benefits. A discount program is NOT insurance, and you must pay the entire discounted charge. Some programs are not available in all states and programs may be discontinued at any time. Participating providers are independent contractors solely responsible for any care or services provided.

1. LIMRA, "2018 Insurance Barometer Study." 2018

2. American Payroll Association, "Getting Paid in America Survey." 2017

3., "More Than Half of Americans Have Less than $1000 in savings in 2017." September 2017

Product availability may vary by location, plan type and group size and is subject to change. All group insurance policies and group benefit plans contain exclusions and limitations. Reduction of benefit provisions and terms under which the policy or plan may be continued in force or discontinued may also apply. For costs and complete details of coverage, contact a licensed insurance agent or your Cigna representative.

Policy forms: Term life - TL-004700 et al; GUL - XX-603404 et al.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Life Insurance Company of North America and Cigna Life Insurance Company of New York (New York, NY) and Connecticut General Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

This page is not intended for residents of WA.