Cigna Supplemental Benefits
Insured by Loyal American Life Insurance Company

Supplemental Insurance Policies

When you experience a major health event, supplemental insurance policies help pay for many expenses that aren’t covered by your primary health insurance.

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Why consider supplemental coverage?

Your primary health insurance may not cover all expenses

Supplemental insurance policies can help you pay for out-of-pocket medical expenses such as copays and deductibles when a serious illness or accident happens.

Household expenses don’t stop for an accident or illness

Supplemental policies pay benefits directly to you, unless otherwise assigned, to help with everyday expenses such as utility bills, groceries, and childcare.

More cost-effective than you may think

For a monthly premium less than what it might cost to take your family to the movies, these policies can help provide peace of mind when the unexpected occurs.

Types of Supplemental Insurance We Offer

Note: These policies are for individual shoppers. See benefits your employer may offer.

Accident Expense Insurance

Helps to pay for out-of-pocket medical expenses when you're injured in an accident.1

per month for around

$29

Lump Sum Heart Attack and Stroke Insurance

If you suffer a heart attack or stroke, this insurance provides a cash benefit that you can use in any way you choose.1

per month for around

$19

Lump Sum Cancer Insurance

Provides a lump sum cash benefit if you are diagnosed with cancer, to help pay for medical costs and everyday expenses.1

per month for around

$19

Cancer Treatment Insurance

Receive cash benefits for cancer treatments and other covered events throughout your illness.1

per month for around

$18

Whole Life Insurance

A whole life policy can help your family cover your final expenses, including funeral costs, with a lump sum cash payment.

per month for around

$28

We’re here to answer your questions and help find the right policy for you.

You can reach us Monday through Friday from 9:00 a.m. to 7:00 p.m. ET.
Call us 1 1.855.358.8528

Premium estimates based on the following criteria:

  • Accident Expense Insurance premium based on the individual rate for male or female person between the ages of 18-64 in Alabama with a $5,000 benefit amount and $250 deductible. Individual rates will vary based on your state, age at time of issue and the benefit amount and deductible amount you select. Rates are subject to change.*
  • Lump Sum Heart Attack and Stroke Insurance 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. *
  • Lump Sum Cancer Insurance 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.*
  • Cancer Treatment Insurance 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.*
  • Whole Life Insurance 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 rates apply to Montana only.*

*Benefit amounts, issue ages and rates vary by state; please contact your broker or Cigna representative for details.

1Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.

Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage.

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 ACCIDENT EXPENSE POLICY PROVIDES LIMITED BENEFIT COVERAGE FOR AN ACCIDENTAL INJURY ONLY. 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. Accident Expense, 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.

The Accident Expense Policy is not available in CA, CO, FL, MA, MD, MN, NH, NJ, OH, UT & VA.

The Lump Sum Cancer Policy is not available in VA.

The Lump Sum Heart Attack and Stroke policy is not available in MA or VA.

The Individual Whole Life insurance policy is not available in FL or MT. 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 AZ, GA, ID, MS, NM, OR, PA, WA, WV, WY