1. 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 Confidential, unpublished property of Cigna.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 CSB-9-0046 Policies are underwritten based on answers to the health questions on the application. 1 Insured by American Retirement Life Insurance Company or Loyal American Life Insurance Company

2. 1.Description of Companion Whole Life PolicyDescription of Companion Whole Life Policy 2.3 Ways to Sell Companion Whole Life3 Ways to Sell Companion Whole Life 3.AML TrainingAML Training 4.Increase Your CommissionsIncrease Your Commissions 5.Sample RatesSample Rates 6.Product Availability MapProduct Availability Map 7.UnderwritingUnderwriting 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 Confidential, unpublished property of Cigna.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

3. 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 *http://efuneral.com/the-average-cost-of-a-funeral/. Use of reference does not imply endorsement of efuneral or its company. NEED FOR A WHOLE LIFE 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 Confidential, unpublished property of Cigna.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 3

4. 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 Confidential, unpublished property of Cigna.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 DESCRIPTION OF POLICY 4

5. * 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. DESCRIPTION OF POLICY 5 For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 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.

6. 6 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. THREE WAYS TO SELL *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. 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. 7 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. 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. THREE WAYS TO SELL 8 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. THREE WAYS TO SELL 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 Good for 30 Days after Med Supp Policy Issue! A great reason to follow up with customer after receipt of policy! * Med Supp OE/GI cases not eligible for Life Offer 9 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 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 THREE WAYS TO SELL 10 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 11 For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 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.

12. 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 Commissions on 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. INCREASE YOUR COMMISSIONS 12 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. Ages Female Non-Tobacco Male Non-Tobacco 65$25.27/mo$32.48/mo 70$31.45/mo$42.25/mo 75$42.25/mo$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. SAMPLE RATES 13 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. CSB-11-0012-WL Map 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-11-0012-WL Map The following states will not approve a combo app: AR, KY, LA, ME, MT, NC, ND, NE, NH, OH, & WI For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna FOR AGENT USE ONLY 14 Cigna Supplemental Solutions ® – Whole Life status 2/5/2014 Click Here for the current version of this map

15. 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 866-825-4822 Mon – Fri, 8-6 pm Central time. During Open Enrollment/ Guaranteed Issue (OE/GI), a 24/7 PV line is available through Express App. UNDERWRITING GUIDELINES 15 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. 16 For Agent Use Only. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna American Retirement Life Insurance Company, P.O. Box 26580, Austin, TX 78755-0580, (866) 459-4272 or Loyal American Life Insurance Company, P.O. Box 26580, Austin, TX 78755-0580, (866) 459-4272. 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.