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Insured by Loyal American Life Insurance Company

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. Available for around $19/month.1

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Lump Sum Cancer Insurance Product Details

The cost of cancer is hard to predict. A Lump Sum Cancer 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 and getting back to living the life you were meant to. How can a Lump Sum Cancer Insurance Policy help you?

  • For an affordable monthly premium, you select a Lump Sum Cancer Insurance policy with a maximum benefit amount of $5,000 to $100,000.*
  • Cash benefits are paid if you’re diagnosed with a covered cancer. Use the cash to help pay2:
    • Deductibles and coinsurance
    • Prescription drugs
    • Rehabilitation
    • Extended hospital stays
    • Experimental therapy
    • Every day expenses such as monthly bills and expenses, child care, etc.
  • We pay directly to you, or someone you designate, regardless of other insurance you may have.
  • Includes coverage for you and your dependents.
  • Your policy is Guaranteed Renewable for Life.4
  • Available to ages 18-99.*

Customize your Lump Sum Cancer Insurance policy

We can also help you customize your Lump Sum Cancer Insurance coverage to fit your needs. Riders offer coverage for specific situations and can be added for an additional monthly amount.3 Consider adding one or more of the following riders for even more coverage (these summaries contain highlights only and are subject to change):

Lump Sum Heart Attack and Stroke Rider

This rider can be added to the Lump Sum Cancer policy to gradually increase your benefit amount over time. Each year, on the rider anniversary date, we will increase the policy benefit amount by $500 or $1,000** while the rider remains in force. This annual benefit amount will continue to build each year until the 35th rider anniversary date.

**Based on the amount you selected at the time of application

Cancer Recurrence Benefit Rider

If you are concerned with a recurring diagnosis of cancer, our Cancer Recurrence Benefit Rider may pay you additional benefits should you receive subsequent diagnoses of cancer. You will receive a percentage of your benefit amount (not to exceed an additional 100% of the selected benefit amount) upon additional diagnoses of cancer provided you have not received advice or treatment for at least two years from the date of your last diagnosis.

Radiation and Chemotherapy

This rider is a cost-effective way to enhance your cancer coverage. The Radiation and Chemotherapy Benefit Rider pays certain benefits when an insured person incurs a charge and receives covered treatments for cancer or carcinoma in situ. It must be purchased with the Cancer Recurrence Rider. Benefits are not payable for skin cancer.

Kate's story

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.

Kate had purchased Lump Sum Cancer Insurance for less than $1 per day1, along with her primary health insurance. The cash benefit helped her pay expenses she would otherwise not have been able to pay, allowing her to focus on fighting her cancer instead of worrying about bills.

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

State Specific Details

Learn more about the benefits included in the Lump Sum Cancer Insurance policy by selecting the state where you live:

Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachsetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Wisconsin Wyoming View Brochure [PDF]

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State Policy Disclosures, Exclusions, Limitations, and Reductions

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 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.

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


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. 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 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.

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