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About Cigna ins
"We believe that being a good corporate citizen means channeling our resources into programs that improve the quality of life for others.
That's something we take very seriously at CIGNA; it's part of being "a business of caring."
CIGNA and the CIGNA Foundation offer help in a number of ways... by providing grants and funds to qualified organizations, by sponsoring charitable causes and events and by simply contributing our time and energy wherever and whenever possible.
Want to know more? Take a look at some of the ways we're trying to make a positive difference in our communities and in our workplace.
Employers like yours choose CIGNA ins for our stability, our hundred-plus years of experience, and the solid protection our programs offer to employees.
But chances are, those aren't the only reasons they've chosen us. They know, too, that we provide an unprecedented level of service... to them and to you.
That's a difference you'll notice every time we interact with you. Whether it's enrolling you in an insurance program, telling you about your benefits, or handling a claim, our emphasis is on your convenience... your satisfaction... your security.
Discover all the ways CIGNA ins puts the focus on you, whatever type of insurance you have with us:
We all have concerns about how our loved ones would fare if something happened to us. We worry about their financial security. We worry whether our spouse will be able to keep our home; we worry whether our children will be able to afford college; we worry how the bills will get paid.
Life insurance allows you to replace worry with planning... solid financial planning to protect your loved ones when you're no longer there to do so.
Like savings, and investments, and homeownership, life insurance is an essential part of financial planning. But unlike those other things, which rely on time and continuity and your steady presence, life insurance guards against the unexpected... against the sudden interruption of all your plans... against your absence.
With CIGNA life insurance, you can create a "safety net" for your family by selecting life plans that will provide the resources for them to carry on.
Through your employer, you may be offered CIGNA Term Life insurance or Universal Life . Take a look at what both plans have to offer and you'll see that either can provide important protection no family should be without.
Term Life insurance provides you with coverage during a specific period of time-typically, in employer-sponsored plans, during your period of employment. (It can also be continued if you retire or are terminated from the company, provided the group policy is still active.) In any case, once the coverage period has ended, the insurance expires, and there is no remaining cash value.
Because the coverage expires at a specific time, Term Life insurance premiums can be far lower than those of whole-life policies, which typically carry a cash value and continue throughout your life as long as premiums continue to be paid. The lower premiums mean you can enjoy greater protection at low cost.
Term Life offers valuable coverage during a period of greatest need-while you are still working and earning an income and building for your future.
CIGNA Term Life insurance offered through your employer may be employer-paid, employee-paid, or a combination. Regardless of the source of premium payment, you'll find that the cost is very reasonable for the degree of protection.
Similar to Term Life insurance, Universal Life protects you for a defined period of time. Unlike Term insurance, it also includes a cash-accumulation fund which earns tax-deferred interest at competitive rates. You can access the cash value of your account at any time through loans or withdrawals.
Universal Life offered through your employer can be either employer-paid, employee-paid, or a combination of both. Learn more about the available options and benefits of CIGNA Universal Life.
Your CIGNA life insurance plan may include a variety of features, depending upon how your employer sets up the plan and which options you choose.
Your employer may pay the premiums on your insurance plan, or the premiums may be employee-paid. Sometimes, a combination of employer-paid and employee-paid premiums is offered.
Who is covered may also be an option. Your employer may offer coverage for you alone, or for your spouse and family members, as well. You may be able to choose the amount of insurance you wish to carry, within prescribed limits.
You may be offered a combination of CIGNA Life and Accident insurance, a valuable combination that can increase the scope of protection for you and your family. Life insurance provides coverage in the event of your death, while accident insurance provides coverage for a covered injury due to an accident.
There are a number of special options your plan may feature, if they are chosen by your employer.
We've been in the insurance business for over a century. We've prospered with a combination of sound decision-making and careful focus on our customers' needs.
Today we're the Life insurance provider of choice for thousands of companies and their employees. Our combination of experience and financial strength helps us provide the security families need; our commitment to customer service helps provide the convenience they deserve. Those are the things you can expect when doing business with us.
The convenience starts with an easy application process. You can enroll online via the Internet or your company's own Intranet, 24 hours a day, 7 days a week. If you prefer, you can enroll over the phone.
During your coverage period, you'll have convenient access to CIGNA's knowledgeable, helpful staff to answer any questions you have about your insurance plan.
Our customer service focus also extends to your beneficiaries, in the event of your death. Beyond the financial help provided by your insurance policy, we'll offer a wide range of additional counseling services to your loved ones through CIGNAssurance ® *. These include:
Bereavement counseling
We offer access to free, over-the-phone, confidential bereavement service 24 hours a day, 7 days a week. Beneficiaries can make up to two telephone calls to grief counselors, and schedule up to two free face-to-face counseling sessions with behavioral-health experts, certified professionals in their field. We'll also provide help in finding community-based programs including educational programs, self-help groups, public resources and nonprofit organizations.
Legal assistance
Beneficiaries can take advantage of 30 minutes of free legal-consultation service by phone, plus a referral program to discounted legal services for help with settling the estate, preparing a will and other issues.
Financial assistance
We'll deposit the insurance proceeds in a free, interest-bearing account, with immediate access through a book of drafts. Beneficiaries can also take advantage of 30 minutes of free financial consultation services over the phone, plus get referrals for additional discounted financial assistance.
Planning guidebook and sample letters
We'll provide your beneficiaries with a guidebook to help them understand the probate process, assess their financial situation and take appropriate planning steps. Included in the guidebook are sample letters beneficiaries can use to help them uncover additional policies, accounts and other benefits left them by their loved ones. The forms are also available and downloadable at cigna.com." - cigna.com