Protection and peace of mind for your family when the unexpected happens
What is Supplemental Insurance?
When an unexpected illness or accident happens, your focus should be on getting better – not on financial worries. Supplemental insurance policies can help pay for many expenses that aren’t covered by your primary health insurance, giving you peace of mind and the freedom to focus on what matters.
Why do you need it?
When you’re injured or diagnosed with an illness, there are many expenses you may not have planned for – supplemental insurance can help you pay for those costs during your treatment or recovery. Since the benefits are paid directly to you1, it is up to you how to use the cash. You can pay medical expenses not covered by your primary health insurance, or even your regular monthly bills that don’t stop when you are laid up from an injury or illness.2
How does it work?
Our insurance policies pay you cash benefits directly1, which you can use for out-of-pocket medical and daily expenses that may really add up – such as copays and deductibles, and household expenses like utility bills, groceries, childcare and even a dog walker.2
Our policies offer an affordable way to help provide security for you and your family to help you pay for your everyday expenses. Call for a free quote today at or have a licensed insurance agent call you.
Learn more about our Supplemental Insurance*:
Accident Expense Insurance
Helps to pay for out-of-pocket medical and daily expenses when you're injured in an accident.2
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.2
Lump Sum Heart Attack & Stroke Insurance
Pays a lump sum cash benefit that you can use in any way you choose if you suffer a heart attack or stroke.2
Cancer Treatment Insurance
Receive cash benefits for cancer treatments and other covered events throughout your illness.
Individual Whole Life Insurance
Help your family cover your final expenses, including funeral costs, with a lump sum cash payment.
THE ACCIDENT EXPENSE POLICY PROVIDES LIMITED BENEFIT COVERAGE FOR AN ACCIDENTAL INJURY ONLY. THE LUMP SUM HEART ATTACK AND STROKE POLICY PROVIDES LIMITED BENEFITS and should be used to supplement existing medical coverage. THE LUMP SUM CANCER POLICY AND CANCER TREATMENT POLICY ARE CANCER ONLY POLICIES and should be used to supplement existing medical coverage. A SUPPLEMENTAL POLICY IS NOT A MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE POLICY AND DOES NOT PROVIDE THE MINIMUM ESSENTIAL COVERAGE NECESSARY TO AVOID PENALTY UNDER THE AFFORDABLE CARE ACT OF 2010 (ACA).
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. Availability varies by state. This is a solicitation for insurance. An insurance agent/producer may contact you. Accident Expense, Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are underwritten by Loyal American Life Insurance Company.
The Accident Expense Policy is not available in CA, CO, CT, FL, KS, KY, MA, MD, MN, MT, NH, NJ, OH, OR, TX, UT, VA & WA.
The Cancer Treatment Policy is not available in CA, CT, FL, MA, MD, MN, NH, NJ, UT, VA & WA.
The Lump Sum Cancer Policy is not available in CT, MA, MD, MN, NH, PA, UT & VA.
The Lump Sum Heart Attack and Stroke Policy is not available in CT, GA, MA, MD, MN, NH, PA, UT & VA.
The Individual Whole Life Policy is not available in CA, DE, FL & 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.
Website not approved for use in Utah.