1. Insured by American Retirement Life Insurance Company or Loyal American Life Insurance Company
Policies are underwritten based on answers to the health questions on the application.
CSB
Information contained within not approved for use in AZ, MS, MN, and OR.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

2. Description of Companion Whole Life Policy
3 Ways to Sell Companion Whole Life
AML Training
Increase Your Commissions
Sample Rates
Product Availability Map
Underwriting
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

3. NEED FOR A WHOLE LIFE POLICY
The average cost of a funeral in 2012 was more than $8,500 for a burial service*. Even if someone has taken care of their funeral plans there may be additional costs that arise. These costs may include:
Household Bills and Utilities
Airfare Costs for Family to attend the funeral
Flowers
Newspaper Notices
* Use of reference does not imply endorsement of efuneral or its company.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

4. Our Whole Life Insurance Policy features:
DESCRIPTION OF POLICY
A Whole Life policy is an excellent way to help your customer pay for funeral expenses, care for their spouse, or leave a financial foundation for their family.
Our Whole Life Insurance Policy features:
Death benefits from $5,000 to $25,000
Coverage for Individuals ages 64-85
Cash Value accumulates in the beginning of the third policy year with no increase in premiums over the life of the policy
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

5. DESCRIPTION OF POLICY
Our Accelerated Benefit Terminal Illness Rider is included in each policy for no additional premium.
Should your customer get diagnosed with a terminal illness, they can request a maximum of 50% of the policy’s death benefit in either a lump sum benefit amount or in periodic payments.
We will deduct a fee only if your customer uses the benefit, in which case their death benefit will be reduced by the amount they receive.
*The death benefit amount may be reduced by an actuarial discount for 12 months, an administrative expense charge of no more than $100, and any due or unpaid premium. There may be tax consequences for receiving the accelerated benefit; Insured should seek advice from a tax professional.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

6. For Agent Use Only. Confidential, unpublished property of Cigna
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

7. Sell Companion Whole Life to
THREE WAYS TO SELL
Sell Companion Whole Life to
all of your existing customers with Med Supp from CSB*
Any customer with an in-force
Med Supp policy from the
CSB family of companies is eligible
to apply for a Whole Life policy. Simply complete a separate Whole Life application packet.
*Information maintained in the insurance company's records on Medicare Supplement or Specified Disease clients may not be used to market the Companion Whole Life program.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

8. THREE WAYS TO SELL
You can add a Whole Life policy to your Med Supp on our combo applications*, or via Express App.
Simply check the box with your benefit selection along with other required info.
Not available for OE/GI cases.
*Combo applications are not available in every state. Some states require stand-alone applications.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

9. Good for 30 Days after Med Supp Policy Issue!
THREE WAYS TO SELL
Good for 30 Days after Med Supp Policy Issue!
Included in every issued Med Supp policy* w/ signed Marketing HIPAA
Available in amounts of $5,000, 7,500 & $10,000
Billed with Med Supp
Writing Agent will receive Full Commission
A great reason to follow up with customer after receipt of policy!
* Med Supp OE/GI cases not eligible for Life Offer
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

10. Included in Application Packets & on EXPRESS APP now
THREE WAYS TO SELL
Included in Application Packets & on EXPRESS APP now
Allows CSB to market Whole Life on agent’s behalf w/ GI Life Certificate
Must be signed by applicant in order to include the Life Certificate in policy
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

11. AML TRAINING
Agents must complete Anti-Money Laundering (AML) training through LIMRA, taking the Anti-Money Laundering for Insurance Producers course prior to writing or submitting any Whole Life business.
Agents who have already completed this LIMRA course only need to complete the refresher course, Money Laundering Red Flags – Anti-Money Laundering for Insurance Review.
Agents that have completed an AML training with another company must still complete AML training through LIMRA.
Go to AgentView>Training>Basics, and select AML Certification Training for more info.
If an agent has not completed their AML training course on or before the sign date of the application, then only the Medicare Supplement will be issued and the Whole Life will be rejected.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

12. Additional Commission Earned
INCREASE YOUR COMMISSIONS
When selling a Medicare Supplement policy, you can increase your commissions just by asking the question: “Would you like to add Life to that?”
Adding Life to a Medicare Supplement Policy can be the difference between making $350 and $800 in commissions on a single policy.
That could mean an additional $21,600 a year and with as little effort as checking a box!
If you added a
5K Life policy to…
Commissions on
Med Supp Alone
Med Supp with Life
Additional Commission Earned
Two Apps per Month*
$8,600/yr
$19,500/yr
$10,900/yr
Four Apps per Month*
$17,200/yr
$39,000/yr
$21,800/yr
*Calculations are based on annual premiums of $1630 for Medicare Supplement at a 22% commission rate and $456 for Whole Life at a 100% commission rate with policies remaining in force for the entire year. Policy premiums are based on a 68 year old, male non-tobacco user in Illinois.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

13. SAMPLE RATES Ages Female Non-Tobacco Male 65 $25.27/mo $32.48/mo 7075
$57.17/mo
*Exclusion: The Whole Life Policy will not pay benefits for Suicide - if the Insured commits suicide, while sane or insane, within two years from the policy date (CO, MO and ND for the first year). Contestable for two years after the effective date. Rates may vary by state.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

14. AR, KY, LA, ME, MT, NC, ND, NE, NH, OH, & WI
Cigna Supplemental Solutions® – Whole Life status 2/5/2014
FOR AGENT USE ONLY
Tentative Releases:
3/5 – FL
Released States:
7/24 – AL, AZ, CO, IL, KY,
LA, MO, MS, NM, OK, PA, RI, SD, TN, TX, & WV
8/14 – NV, OH
8/21 – UT
8/28 – AR, GA,
9/18 – AK, DC, DE, IA, SC, VT
9/25 – KS, OR, WI
10/23 – ME, IN
10/30 – NE, NC
11/6 – ID, MT, NH, ND, NJ
11/20 – VA, WY
States in orange are not approved as a combo app.
CSB WL Map
The following states will not approve a combo app:
AR, KY, LA, ME, MT, NC, ND, NE, NH, OH, & WI
Click Here for the current version of this map
CSB WL Map
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

15. UNDERWRITING GUIDELINES
If the applicant does not qualify for Medicare Supplement coverage, then the Whole Life application will be rejected.
Current build standards shown in the Medicare Supplement build chart are applicable.
The applicant must not be taking any of the drugs listed on our declinable drug list (for listed use only).
For cases other than open enrollment and guarantee issue, a prescription database check will be performed.
A Point-of-Sale Phone Verification (PV) is required on all Medicare Supplement applications. Call Mon – Fri, 8-6 pm Central time. During Open Enrollment/ Guaranteed Issue (OE/GI), a 24/7 PV line is available through Express App.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

16. © 2014 Cigna. Some content provided under license.
American Retirement Life Insurance Company, P.O. Box 26580, Austin, TX , (866) or Loyal American Life Insurance Company, P.O. Box 26580, Austin, TX , (866)
No Insurance Company or its agents are connected with or endorsed by Medicare, Social Security or any other governmental agency. Please refer to the policies, Medicare Supplement Policy series Plan A: AR-MS-AA-A-GN; Plan F: AR-MS-AA-F-GN; Plan G: AR-MS-AA-G-GN; Plan N: AR-MS-AA-N-GN or Plan A: LY-MS-AA-A-GN; Plan F: LY-MS-AA-F-GN; Plan G: LY-MS-AA-G- GN; Plan N: LY-MS-AA-N-GN; or the Whole Life Policy series: AR-WLFE-GN for the full terms and conditions of coverage.
"Cigna“, “GO YOU” and the "Tree of Life" logo are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by such operating subsidiaries, including American Retirement Life Insurance Company or Loyal American Life Insurance Company, and not by Cigna Corporation.
© 2014 Cigna. Some content provided under license.
For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna