You can’t predict the future. So, it’s good to plan ahead. Our Whole Life insurance policy will help provide a foundation for your family after you’re gone. Whole of life insurance.
Helping your family get through the most difficult time
Barbara remembered how difficult it was to arrange her mother’s funeral. She worried about the costs when all she wanted to do was be with her family. Barbara knew she didn’t want her children to face the same situation. Barbara’s Individual Whole Life policy put her mind at ease with the knowledge that there would be benefits to help her family when they need it the most.
This is an example used for illustrative purposes only.
How can an Individual Whole Life Insurance Policy help?
Our Individual Whole Life Insurance Policy helps to provide your family the support they need to pay for your final expenses.
Help pay for funeral or cremation expenses
Help protect your family’s nest egg
Help contribute to your grandchild’s education
Donate to charities of your choice
Use it to help pay down outstanding mortgages or other loan balances
How does it work?
Our policies are flexible and can be tailored to your needs and budget.
Find life insurance policy
For a cost-effective monthly premium, you select a base policy with a maximum death benefit amount of $2,000 to $25,000.
Policies can be issued from ages from 50 – 85 and can include coverage for you and your spouse.
Our Individual Whole Life Policy accumulates a cash value, starting in the third year, that can be accessed by either a policy loan or cash surrender.
For an additional premium, you can choose to add an Accidental Death Benefit to Age 100 Rider. Availability may vary by state.
Guaranteed premiums - your premiums will not increase.
Both you and your spouse may apply for policies to qualify for a 5% spousal premium discount.
Two benefit plans
Our 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.
We offer 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.
Compare the coverage for both benefit plans:
Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change. Unisex applies to Montana only.
Benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy and/or rider.
Subject to all the terms and conditions of the policy and/or rider.
Only available if both individuals apply at the same time. Discount is applied to the policy of the youngest spouse.
Premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change. Unisex applies to Montana only.
THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHESIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. THE ACCIDENT EXPENSE POLICY PROVIDES LIMITED BENEFIT COVERAGE FOR AN ACCIDENTAL INJURY ONLY. THE LUMP SUM CANCER AND CANCER TREATMENT POLICIES ARE CANCER ONLY POLICIES.
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.
This is a solicitation for insurance and an insurance agent may contact you. Product availability varies by state. All insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent or the company. Accident Expense, Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are insured by Loyal American Life Insurance Company.
Life insurance for family of 5
The Accident Expense Policy is not available in CA, CO, FL, MA, MD, MN, NH, NJ, OH, UT & VA.
The Lump Sum Cancer Policy is not available in VA.
The Lump Sum Heart Attack and Stroke policy is not available in MA or VA.
The Individual Whole Life insurance policy is not available in FL or 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. This website is not intended for residents of Utah.
This page is not intended for residents of ID,MS, OR, WV