Individual Whole Life Insurance

Whole Life Insurance Product Details

You can’t predict the future. So it’s good to plan ahead. Our Whole Life insurance policy will help provide benefits for your family after you’re gone—when they need it the most. How can a Whole Life Insurance policy help you?

• Helps to provide your family the support they need to pay for your final expenses, including:
  • Funeral or cremation expenses
  • Protection for your family’s nest egg
  • Contribution to your grandchild’s education
  • Donation to charities of your choice
  • Pay down outstanding mortgages or other loan balances
• You select a base policy with a maximum death benefit amount of $2,000 to $25,000.²
• Policy accumulates a cash value, starting in the third year, that can be accessed by either a policy loan or cash surrender.
• For an additional premium, you can choose to add an Accidental Death Benefit to Age 100 Rider. Availability may vary by state.
• Guaranteed premiums - your premiums will not increase.³
• Both you and your spouse may apply for policies to qualify for a 5% spousal premium discount.⁴

• Can be tailored to your needs and budget.
• Available for ages 50-85 and can include coverage for you and your spouse.

Two Whole Life Insurance benefit plans to fit your needs

Level Benefit Plan

Pays the full death benefit amount chosen⁵ to your beneficiary upon your death. Our Terminal Illness Accelerated Benefit Rider is automatically included in this plan, at no additional charge, so that if you are diagnosed with a terminal illness, you can have additional funds to help with medical expenses or financial needs.

Modified Benefit Plan

For those who do not qualify for coverage under the Level Benefit Plan, this Modified Benefit Plan has adjusted levels of coverage for the first two years of the life of the policy.

Compare the coverage for both benefit plans:

Barbara's story

Barbara remembered how difficult it was to arrange her mother’s funeral. She spent so much time worrying about the final costs when all she wanted to do was be with her family.

Barbara knew she didn’t want her own children to face the same situation. For less than $1 per day¹, her Individual Whole Life policy put her mind at ease knowing that there would be benefits to help her family when they need it the most.

(This is an example used for illustrative purposes only.)

State Policy Disclosures, Exclusions, Limitations, and Reductions

¹Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change. Unisex applies to Montana only.³

²Benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy and/or rider.

³Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance.

⁴Only available if both individuals apply at the same time. Discount is applied to the policy of the youngest spouse.

⁵Subject to all the terms and conditions of the policy and/or rider.

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. An insurance agent/producer may contact you. Product availability varies by state. These policies 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/producer 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.

Accident Treatment policy is not available in: ID, NH, NY, or VA.

All Cigna Healthcare^SM products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Loyal American Life Insurance Company. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

This page is not intended for residents of Idaho, New Mexico, and Oregon.