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Individual Whole Life InsuranceThe Cigna Individual Whole Life policy offers coverage to anyone age 50 through 85 in amounts of $2,000 to $25,000. Plus, each policy accumulates a cash value, starting in the third year, that can be accessed by either a policy loan or cash surrender. Our Individual Whole Life insurance policy provides:Death Benefits from $2,000 - $25,000Both you and your spouse may apply5% spousal premium discount1Issue ages from 50 – 85Premiums will not increaseHelp protect financial interestsUses for the moneyHelp pay for funeral expensesHelp protect your family’s financial securityDonate to charities of your choiceHelp with your grandchild’s educationLevel Benefit PlanWe want to ensure that you have meaningful benefits when you need them most. Your Level Benefit Plan will pay the full death benefit amount chosen2 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. Modified 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 below2. Loss of life from... Death Benefit AmountAccidental death while covered100% of benefitNon-accidental death within first two years of coverage100% of premium paid + 10%Non-accidental death after being covered for two or more years100% of benefit Included BenefitsLoan and Cash Value optionsOur 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 surrenders2. 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 death2.Optional RiderAccidental Death Benefit to Age 100 Rider3An 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 injury2.
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