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The cost of cancer is hard to predict. A lump sum policy provides a cash benefit2 to help cover medical expenses if you are diagnosed with cancer, helping to ease financial issues while you focus on getting well.
Picture This: Caught off guard
Kate always took good care of herself, so she was caught off guard when a recent mammogram identified an early diagnosis of breast cancer. Thankfully, the mammogram caught the cancer early, but Kate learned that surgery and chemotherapy treatments would have her out of work for longer than she expected.
This is an example used for illustrative purposes only.
How can a Lump Sum Cancer Insurance Policy help me?
In our lifetimes, many of us will be affected by a cancer diagnosis.
After a cancer diagnosis, a Lump Sum Cancer Insurance Policy can help you get back to living the life you were meant to.
How does it work?
Our policies are flexible and can be tailored to your needs and budget.
- For a cost-effective monthly premium, you select a base policy with a benefit amount* of $5,000 to $100,000.3
- Policies can be issued from ages from 18 – 99* and can include coverage for you and your dependents.
- The cash benefits are paid if you are diagnosed with a covered cancer.
You can choose to add more benefits for an additional premium, such as recurrence coverage should you receive a subsequent cancer diagnosis, Lump Sum Heart Attack and Stroke Insurance, and other riders for specific situations.4
Your policy is Guaranteed Renewable for Life.5
How can I spend the money?
How you use the cash benefit2 is up to you. If you are diagnosed with a covered cancer, we pay directly to you, or your designee, to use any way you like. Use the lump sum benefit to help cover:
- Prescription drugs
- Extended hospital stays
- Experimental therapy
Everyday expenses such as monthly bills including rent or mortgage, groceries, childcare, housekeeper, dog walker – whatever you need to cover while focusing on getting well.2
Learn more about the benefits and coverage included in the Lump Sum Cancer Insurance policy by selecting the state where you live:
1 Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the individual rate for a person in Alabama, between the ages of 40-44, with a $500/day hospitalization benefit (5 units of coverage). Individual rates will vary based on your state, age at time of issue, coverage type and the benefit option you select. Rates are subject to change.
2 Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.
3 There will be a charge for each rider selected. Riders are not available in all states.
4 Policy cannot be canceled as long as you pay your premium when due. The company reserves the right to increase premiums on a class basis.
THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHESIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. THE LUMP SUM CANCER AND CANCER TREATMENT POLICIES ARE CANCER ONLY POLICIES.
This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Full terms and conditions of coverage are defined by and governed by an issued policy. Please refer to the policy for the full terms and conditions of coverage.
This is a solicitation for insurance and an insurance agent may contact you. Product availability varies by state. All insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent or the company. Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are insured by Loyal American Life Insurance Company.
Lump Sum Heart Attack and Stroke policy is not available in: ID, MA, NY, or VA.
Lump Sum Cancer policy is not available in: ID, NY, VA or WY.
Cancer Treatment policy is not available in: ID, MA, MN, NH, NJ, NY, UT, or WY.
Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.
Whole Life policy is not available in: FL or NY
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Loyal American 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 Idaho, Oregon and Wyoming