Because the cost of unexpected medical expenses can put a lot of stress on any family, healthcare agents should consider adding Cigna Ancillary products to help protect their clients from the financial burden.
Learn about how ancillary sales can add to your income.
Cigna offers several ancillary product choices
Please note; product availability varies by state and is subject to change. It is important to be aware of this before discussing plan options with potential enrollees.
Flexible Choice Cancer, Heart Attack & Stroke
These plans are available in most states. The issue ages for the plans ranges from 18 to 99. Cigna plan lump-sum benefits amounts range from $5,000 to $75,000 for Cancer or heart conditions or stroke. There are several rider options, depending on your location. Plan options include; Cancer recurrence, return of premium, radiation & chemotherapy and much more. Plans are guaranteed renewable for life.
Cancer Treatment
Indemnity benefits help enrollees pay for treatments , care and other costs associated with cancer treatments. Issue ages for the plans are between 18 and 999. They are guaranteed renewable for life and offer lump-sum cancer, heart attack & stroke riders. They also offer hospital, ICU and return of premium riders. Benefits included in this coverage are radiation, bone marrow transplants, chemotherapy, reconstructive surgery as well as experimental treatment options.
Flexible Hospital Indemnity
Flexible hospital indemnity plans are currently available to individuals from age 50 to 85 and are guaranteed renewable for life. Plans offer 4 additional coverage add-ons including; lump sum cancer rider, lump sum heart/stroke rider, specified disease and accident benefit. Coverage includes overnight hospital stays, emergency room visits, ambulance rides as well as skilled nursing care and more.
Flexible Choice Dental , Vision & Hearing
These plan options are available to individuals ages 18 to 89 and are renewable for life. Plans include options for disappearing deductible, 100% coverage for dental diagnostic and preventative services and more. Some plan options include a $5,000 maximum benefit for covered dental, vision & hearing annually. Benefits increase during the first 4 years of coverage up to 90% in the fourth year.
Choice Accident
Choice accident provides benefits for accidental injuries, accidental dismemberment, accidental death, PTSD, prosthesis repair or replacement and home modifications. Issue ages for this coverage ranges from 18 to 74 with guaranteed renewability for life.
These plans do not use age or occupation bands or medical underwriting. Coverage is worldwide and offers health benefit screening riders.
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Accident Treatment
Plans provide indemnity benefits that help enrollees pay for large array of treatment options. Issue ages for this coverage is 18 to 74; plans are guaranteed renewable until age 80. Enrollees can choose from several rider options, including lump-sum cancer and heart attack & stroke, hospital, ICU, as well as return of premium. Plans cover burns, coma, broken bones, surgical procedures, ambulance, accidental death and dismemberment and family lodging.
Individual Whole Life
Life plans provide assistance to loved ones for final expenses with both level and modified benefits. Issue ages for this plan is from 50 to 85 with benefit amounts starting at $2,000 up to $25,000. Plans also offer a spousal premium discount of 5% and an accidental death benefit rider is up to age 100.
Please note; all plan availability is subject to change.