discounts of up to 60 percent on a variety of health and wellness
products and services ranging from discounts on fitness club
memberships, to tobacco cessation and weight management programs.
-- CIGNAssurance(R) provides comprehensive services and support to
beneficiaries of life or accident policyholders including legal,
financial and bereavement counseling.
-- Disability Solutions for Chronic Conditions, offered in conjunction
with CIGNA's disability and life products, can assist individuals in
managing chronic conditions such as diabetes, cardiac disease or
asthma. This program can help lower overall health care costs while at
the same time help individuals maintain a healthy lifestyle and reduce
absences from work.
-- Accelerated benefits, such as Terminal Illness or Specified Disease,
added to a life policy offer early payout options of life insurance
proceeds should an individual become terminally ill or be diagnosed
with a critical illness such as cancer or heart attack. These benefits
can help pay for alternative healthcare, or help individuals and their
families face the financial challenges that a disease diagnosis can
bring on.
According to LIMRA International, 22 percent of families with dependent
children admit they will have immediate trouble meeting everyday living
expenses, and another 26 percent can cover expenses for only a few months
if a primary wage earner dies (2). Life Insurance Awareness Month, being
observed throughout the month of September, is an industry-wide campaign
designed to build awareness and educate consumers on the financial
challenges their loved ones could endure as a result of not having enough
life insurance. The campaign is being coordinated by the nonprofit Life and
Health Insurance Foundation for Edu
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