Cigna Final Expense | Loyal American Final Expense

Company Description

For more than 200 years, Cigna and its predecessor companies have been in the insurance field. Today, Cigna continues to innovate, expand and grow globally. Our dedication to the people we serve and protect has grown with each milestone in Cigna history.

Product Description

Your clients health is important to living a full and happy life. So planning for the unexpected should be on their to-do list. That’s why Cigna offers solutions to help their loved ones live the life they were meant to.

Cigna Final Expense Product Highlights:

  • Death Benefits from $2,000 - $25,000.
  • Both you and your spouse may apply.
  • 5% spousal premium discount.
  • Issue ages from 50 – 85.
  • Premiums will not increase.

Cigna Final Expense helps cover the following:

  • Help pay for funeral expenses.
  • Help protect family's financial security.
  • Donate to charities of your choice.
  • Help with grandchild's education

Level Benefit Plan

We want to ensure that you have meaningful benefits when you need them most. Your Level Benefit Plan will pay the full death benefit amount chosen to your beneficiary upon your death. Our Terminal Illness Accelerated Benefit Rider is automatically included in this plan, at no additional charge, so that if you are diagnosed with a terminal illness, you can have additional funds to help with medical expenses or financial needs.

Graded Benefit Plan

We know that some people can have a hard time finding life insurance. That is why we have the Modified Benefit Plan for those who do not qualify for coverage under the Level Benefit Plan. This Modified Benefit Plan has adjusted levels of coverage for the first two years of the life of the policy, as shown in the chart below.

Included Benefits

Loan and Cash Value options- Our Individual Whole Life policy begins to accumulate cash value after the third year and continues throughout the life of the policy. The available amount can be accessed through policy loans or cash surrenders.

Terminal Illness Accelerated Benefit Rider(Not included or available with the Modified Benefit Plan) - The Level Benefit Plan automatically comes with a Terminal Illness Accelerated Benefit Rider. Should you get diagnosed with a terminal illness, you can request a percentage of the policy’s death benefit not to exceed 50% in a lump sum benefit amount prior to death.

Optional Rider

Accidental Death Benefit to Age 100 Rider - An accidental death is something no one wants to think about. We offer our Accidental Death Benefit to Age 100 Rider with death benefit amounts ranging from $10,000 - $50,000 if death occurs within 180 days as a direct result of an accidental injury while covered under the policy2. If death from the accidental injury occurs after the rider terminates, this benefit is payable provided the accidental injury was sustained while the rider was in force, and death occurs within 180 days of the injury.


Learn more about selling Final Expense Whole Life plans with Cigna. PSM offers an array of the top life contracts along with consulting on senior life Lead Generation and the most effective way to market Final Expense products.


We look to be your Medicare FMO of choice in representing Cigna Supplemental Solutions to your clients.


"Cigna" is a registered service mark, and "Cigna Medicare Supplement Solutions" is a service mark, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, including American Retirement Life Insurance Company and not by Cigna Corporation.

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