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Why Life Insurance?What would happen to your family's financial health if you and your income were gone? Could they maintain their standard of living? Pay for college tuition? Household bills? What about monthly mortgage or rent? We know money is tight these days, but don't be tempted to skimp on one of the most important and affordable investments you can make to protect your family's financial health: Life Insurance. Why Now?Having adequate life insurance coverage should be an essential part of your overall financial plan - at every age. And the sooner you buy, the better. That's because the younger and healthier you are when you purchase coverage, the less you'll pay in premiums. Some life insurance plans also offer cash savings options, which means the sooner you begin saving, the sooner the cash value of the plan can begin growing. How Much is Enough?If you're working, your employer may provide you with a life insurance policy as part of your benefits. But depending on your personal situation, that policy may not be adequate for your unique situation and needs. Our Life Insurance Needs Assessment Calculator can help you estimate your health insurance needs based on your unique personal situation and goals. If you find you need more than your employer provides, check to see if they allow you to purchase additional coverage. The rates for these "supplementary" plans are often more affordable than what you could find on your own. Is Your Policy Keeping Pace With Your Life?It's important to review your life insurance needs regularly to ensure your policy keeps pace with changes in your life. For example, events like marriage, divorce, birth/adoption of a child, reduction or increase in your income, children entering or finishing college, and large purchases like a new home can all impact the level of coverage you may need. Depending on what changes have occurred, you may need to reassess your coverage needs. The Calculator can help you reassess your needs. At the same time, check your beneficiary designation on your policy to make any necessary updates to be sure your policy benefits are distributed in accordance to your wishes. Why Choose CIGNA?We're experts in life insurance coverage. For more than 90 years, we've worked with thousands of employers to provide cost-effective, quality life insurance coverage we believe is unsurpassed in value. What makes our life insurance coverage so special?
Use our Consumer Education Toolkit below to learn more about life insurance and how CIGNA can help you protect your health, well-being and security. Now, more than ever, you don't want to leave your families' financial health to chance. Consumer Education Toolkit
Useful information on life insurance for... "CIGNA," 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 exclusively by such operating subsidiaries and not by CIGNA Corporation. Such operating subsidiaries include Life Insurance Company of North America, CIGNA Life Insurance Company of New York, and Connecticut General Life Insurance Company. The Life and Health Insurance Foundation for Education (LIFE) was founded in 1994 in response to the public's growing need for information and education on life, health, disability and long–term care insurance. LIFE also seeks to remind people of the important role insurance professionals perform in helping families, businesses and individuals find the insurance products that best fit their needs. |
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