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The costs associated with an unexpected heart attack, stroke or other heart-related surgery can be overwhelming. A lump sum policy provides a cash benefit to help cover out-of-pocket medical expenses and daily expenses, so you can worry less about financial issues and stay focused on your recovery.
Get support when you need it most
When Charlotte had a heart attack, she was grateful that the doctors were able to stabilize her condition. But she learned that there was permanent damage to her heart. Charlotte began to see her expenses adding up quickly. Even with health insurance, things such as medical deductibles, co-insurance and payments for her doctor’s visits were her responsibility. Luckily, Charlotte had purchased a Lump Sum Heart Attack and Stroke Policy and received a cash benefit as a result of her heart attack. This support let Charlotte focus more on her recovery and less on how she was going to pay her bills.
This is an example used for illustrative purposes only.
How can a Lump Sum Heart Attack and Stroke Policy help me?
The thought of having a heart attack is alarming, but the truth is, it can happen to anyone.
Whether you suffer a covered heart attack or stroke, or receive a covered procedure for a heart condition, our Lump Sum Heart Attack and Stroke Insurance Policy helps to provide the support you need to get back on your feet.
How does it work?
Our policies are flexible and can be tailored to your needs and budget.
- For an affordable monthly premium, you select a base policy with a maximum benefit amount* of $5,000 to $100,000.3
- Policies can be issued from ages from 18 to 99 and can include coverage for your dependents*
- The base policy covers heart attack, stroke, heart transplant, angioplasty, coronary artery bypass surgery, and other heart-related procedures listed in your policy.
- You can choose to add more benefits for an additional premium, such as a restoration coverage for a later heart attack or stroke diagnosis or procedure, Lump Sum Cancer Insurance, and other riders for specific situations.4
- Your policy is Guaranteed Renewable for Life.5
*Benefit amounts, issue ages and rates vary by state; please contact your broker or Cigna representative for details.
How can I spend the money?
How you use the cash benefit is up to you. We pay regardless of any other insurance you may have, and we pay directly to you, or your designee, to use any way you like. Use the lump sum benefit to help cover:
- Deductibles, coinsurance, and copays
- Prescription drugs
- Extended hospital stays
- Unexpected expenses such as travel
- Household expenses such as monthly bills including rent or mortgage, groceries, childcare, housekeeper, dog walker – whatever you need to cover while focusing on getting well2
Learn more about the benefits and coverage included in the Lump Sum Heart Attack and Stroke 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 40 year old in Alabama with a $20,000 benefit amount. Individual rates will vary based on your state, age at time of issue, coverage type and the benefit amount you select. Rates are subject to change. In South Carolina and Washington, the minimum benefit amount is $25,000.
2 Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.3 Minimum and maximum benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy.
4 There will be a charge for each rider selected. Riders are not available in all states.
5 The company reserves the right to increase premiums on a class basis.
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. 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