Bring on the bonus

You can earn $450 every month for selling Cigna’s Final Expense.

Earn more by selling Cigna Final Expense, insured by Loyal American Life Insurance Company – with no end in sight.

  • Qualify with $3,000 in issued annualized premium per month of final expense
  • Earn over $5,000 a year when you qualify every month
  • Earn 500% of IAP* for the sale of a Final Expense policy toward the Agent Incentive Trip

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Cigna Final Expense may provide your customers peace of mind when they need it most.

  • Issue ages from 50–85
  • Death benefits from $2,000 to $25,000
  • No annual policy fee
  • Sell by phone – no wet signature needed
  • No height and weight chart
  • Simplified issue underwriting with a “yes/no” application
  • 5% spousal premium discount**
  • Competitive commissions with up to a nine-month advance paid daily

Official program rules

  1. Cigna Supplemental Benefits will provide automated reporting on a monthly basis.
  2. Qualifying Cigna products include Individual Whole Life insurance only, insured by Loyal American Life Insurance Company (LOYAL).
  3. Qualifying agents must meet minimum total IAP of $3,000 to be eligible for program payment. This minimum must be met by the end of the calendar month to count toward the program incentive.
  4. Qualifying applications must be signed during the program period and become effective during either the promotional period or the following month to count toward the incentive program. The amount of qualifying policies must be met by the end of the calendar month to qualify. Polices must be received by the 8th of each month following the close of the previous month’s program period. For example, the first program period will run from March 1–March 31, 2019 and all policies must be signed by March 31, 2019 and received by April 8, 2019 and become effective during the promotional month or the following month.
  5. All payouts are subject to your state’s regulations. Program is subject to all applicable federal, state and local laws and regulations. Void where prohibited by law.
  6. Cigna Supplemental Benefits and its affiliates hold no liability during the promotion.
  7. We reserve the right to revise the promotion rules at any time without notice and also reserve the right to terminate the promotion.
  8. We will make all determinations regarding the promotion, including, but not limited to, whether an agent is qualified. Our decisions will be final and conclusive.
  9. Replacements do not count toward qualifications.
  10. Your promotion payout amount will count toward earnings and will be taxed accordingly.
  11. Business written on self or immediate family members does not count toward qualification.
  12. The agent must be in good standing with Cigna Supplemental Benefits and not violate the terms of their Agreement.
  13. Eligibility will be determined approximately 30 days after the program end date. Qualifying policies must be issued to count toward the incentive program.
  14. Bonus payments are made payable to the Producer or Agency that receives standard commissions payments.
  15. Production numbers shown in other sources may include production with other products that do not count toward this promotion qualification.
  16. An agent’s in-force policyholder block must maintain company average persistency and placement levels in order to qualify.
  17. Multiple awards are not available when applications exceed the qualification level. Only one award per person.