Cigna Offers an Individual Whole Life Policy
Welcome back to the Dynamic Duo with me, Allie Shipman, and my partner, John Shinn. Today, we are talking about another one of Cigna’s great products – the Individual Whole Life Insurance Policy. It is designed to help pay for final expenses with level and modified benefits to provide coverage under a variety of health conditions. This point is really important; there is no annual policy fee. That’s great because a lot of carriers have policy fees, and Cigna does not charge you anything for applying for this plan.
There is a five percent spousal discount if you and your spouse sign up and this policy can be issued from age fifty to eighty-five. That is a really broad range for life insurance. You can choose benefit amounts from $2,000 to $25,000. There is also an accidental death benefit. This policy is a good price as well. Speak with your agent to learn about this product from Cigna. You’re really going to love it.
What Is Important to Know about This Plan?
The first thing that comes to mind is that everybody knows who Cigna is. It is a worldwide insurance organization. You hear about Cigna Medicare supplements, you hear about Cigna Medicare Advantage, and you hear about Cigna health insurance. So, this is a big-name company and everybody has heard of the product.
The plan itself is very competitive, and they will issue this policy up to age 85. There is a simplified issue, and there is no policy fee for the application. You can choose a benefit ranging from $2,000 to $25,000. There is an accidental death benefit that we can add to this. This plan is designed for final expense needs. More importantly, it is very simple and very easy to qualify. The application is simple to fill out. We can take these applications over the phone or send you a link to subscribe. We can even provide you a policy that will give you immediate death benefits.
Why Get Life Insurance?
Many people have the idea that ‘final expense’ means paying for the funeral. This lump sum can be used for much more than a funeral service. It can serve to pay of medical debt, provide extra income for your family, and much more. Protect the ones you love and get a life insurance policy.