PLAN FOR YOUR FUTURE
Cigna Term Life Insurance
Life insurance needs vary by individual circumstances and many of us don’t like to talk about it. The reality is planning for the unexpected can help provide financial protection for your loved ones. At Cigna, we think a life insurance plan should do more than promise value in the future. It should give customers like you, value at every stage of life’s journey – starting on day one.
What would happen to your family's financial health if something unexpected were to happen to you? Could they maintain their standard of living? Pay for college tuition? Household bills? What about monthly mortgage or rent?
We know money may be tight for you these days, but don't be tempted to skimp on one of the most important and cost-effective options you can take to help protect your family's financial health.
Having adequate life insurance coverage should be an essential part of your overall financial plan–at every age. And the sooner you buy, the more affordable it may be. That's because typically the younger you are when you purchase coverage, the less you'll pay in premiums. Also, you may have greater coverage amounts available to you if you don’t have any health issues.
Some life insurance policies also offer cash savings options, which means the sooner you begin saving, the sooner the cash value of the plan can begin growing. If you save enough, it can become a paid-up life insurance plan.
It's important to review your life insurance needs regularly to help ensure your policy keeps pace with changes in your life. For example, events like marriage, divorce, birth/adoption of a child, reduction or increase in your income, children entering or finishing college, and large purchases like a new home can all impact the level of coverage you may need.
Depending on what changes have occurred, you may need to reassess your coverage needs. At the same time, check your beneficiary designation on your policy to make any necessary updates to be sure your policy benefits are distributed in accordance to your wishes.
Cigna Health Rewards® Program - Discounts for you and your family members on a variety of health and wellness products and services.
Cigna Identity Theft - Identity theft prevention and resolution services including personal assistance and guidance and education.
Cigna's Life Assistance℠ Program**Work / life support, referrals to counseling and community services for your and your household members’ life challenges.
Cignaassurance® Program - Free, interest-bearing account for beneficiary payments of $5,000 or more and support from expert resources in financial, legal and bereavement services.**
CignaWillCenter.com - Online tools to create state-specific legal documents for wills and powers of attorney, as well as valuable resources for estate and funeral planning.
*These programs are NOT insurance and do not provide reimbursement for financial losses. Program availability may vary by plan type and location and is subject to change. Employees are required to pay the entire discounted charge for any discounted products or services available through these programs. Most programs are provided through third party vendors who are solely responsible for their products and services. Presented here are only the highlights of these programs. Full terms, conditions and exclusions are contained in the applicable client program description and/or vendor service agreement.
**Account is not a bank deposit and is not insured by the Federal Deposit Insurance Corporation or any other federal agency. Account balances are the liability of the insurance company and the insurance company reserves the right to reduce account balances for any payment made in error. Bereavement, legal or financial assistance programs are not available under policies insured by Cigna Life Insurance Company of New York (New York, NY).
**This service is not provided on all life insurance plans. Please check the specifics of your policy for details on availability.