Individual Whole Life Insurance
The 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 - $25,000
Both you and your spouse may apply
5% spousal premium discount1
Issue ages from 50 – 85
Premiums will not increase
Help protect financial interests
Uses for the money
Help pay for funeral expenses
Help protect your family’s financial security
Donate to charities of your choice
Help with your 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 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 Amount
Accidental death while covered
100% of benefit
Non-accidental death within first two years of coverage
100% of premium paid + 10%
Non-accidental death after being covered for two or more years
100% of benefit

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 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 Rider
Accidental Death Benefit to Age 100 Rider3
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 injury2.

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1Only available if both individuals apply at the same time.
2Subject to all the terms and conditions of the policy and/or rider.
3Rider available for an additional premium.
May vary by state. Please see your policy for exact details.
If the insured dies by suicide, while sane or insane, within two years from the policy effective date, our liability under this policy is limited to the premiums paid.
Except for non-payment of premiums or for fraud if permitted in the state where the policy is delivered or issued for delivery, this policy will be incontestable after in force for two years from the policy effective date. This provision does not apply to any rider that contains its own incontestability clause.
If the Insured dies after the claim is presented for a Terminal Illness Accelerated Benefit, but before any such benefits are received, the request is cancelled and the Death Benefit will be paid pursuant to the policy. We will not pay a benefit amount for any condition that is not diagnosed as a Terminal Illness. The diagnosis of a Terminal Illness must be confirmed by a physician practicing within the United States or its territories.
No Accidental Death Benefit will be payable if the insured’s death results within 180 days directly or indirectly from any of these causes:
1. Suicide: while the Insured is sane or insane.
2. War: declared or undeclared, or any act of war. War is defined as armed conflict between nations, or between factions in the same nation.
3. Military Service: in the military forces of any country at war or in any civilian noncombatant unit serving with those forces.
4. Natural Causes: Bodily or mental illness, disease or infirmity of any kind, or medical or surgical treatment for any of these.
5. Death caused or materially contributed to by voluntary intake or use by any means of any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions.
6. Speed contest: Fatal Injury which is incurred as the result of taking part in any speed contest.
7. Blood Alcohol: Death while the insured is operating a motor vehicle and is determined to have a blood alcohol level exceeding the legal limit as defined by state law.
8. Felony: Injury received while committing a felony or incarcerated.
9. Participation in a riot, civil commotion, terrorist activity or rising against civil or governmental authority.
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