Cigna’s Final Expense Insurance

Cigna’s Final Expense Insurance, insured by Loyal American Life Insurance Company, offers two types of benefit coverage – Level Benefit Plan and Modified Benefit Plan – to help pay final expenses and help protect what is most important.

Skyrocket your profits with a solid product.

See why the current market is calling for this product. Discover how much opportunity there is and why Cigna’s Final Expense is so easy to sell.

Sell a competitive product that pays.

	Two spouses may apply at once
	5% spousal premium discount*
	No annual policy fee
	No medical exams
	No height and weight chart
	Issue ages 50–85
	100% can be sold to people who already have life insurance
	0% increase on premiums

Why sell Cigna’s Final Expense product?

	Policies issued quickly
	Advanced commissions paid daily – up to 9 months
	Final commissions are front-loaded
	Quick business issue, clean cases issue in 3–4 days
	No wet signature needed for phone sales
	Monthly sales incentives for extra earning opportunities
	ExpressQuote on cell phones for on-the-go quotes**
	Online Express App for fast quotes, proposals and paperless applications
	In-depth portfolio of products for cross-selling
	Ready-to-go marketing materials to send to customers
	AgentView website, one-stop agent website with product portfolio, sales tools, training and more

*	Only available if both individuals apply at the same time. Discount is applied to the policy of the youngest spouse
**	ExpressQuote is for Agent use only. It is not intended for customers.

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. Whole Life Insurance policies are insured by Loyal American Life Insurance Company.

LOYAL-4-0030-A © 2017 Cigna. Some content provided under license. For agent use only. 902545 07/17

WHY SELL?

This sells itself.