New Cigna Supplemental Sales Incentive

New supplemental health sales incentive, Express App update, Win a HDTV during open enrollment, October sales incentive and more!

Earn up to $1,200 and a 55” TV with the 90-day CSB sales incentive

Adding supplemental health products to your conversations not only add value for your customers, it also adds to your bottom line—even more so November 1, 2015 – January 31, 2016. Click here for more details.
Selling with Express App just got easier

We’ve recently updated Express App to allow agents to submit applications for both Flexible Choice Cancer and Flexible Choice Heart products in a single submission. Adding a Cancer Recurrence or Heart Restoration rider to the policy can seamlessly be done with a single click whereas previously, agents would need to submit multiple applications.
Win a 55″ HDTV during open enrollment

Right now, any agent that has a minimum of 15 policies issued for Medicare Supplement, using our new underwriting rate classes (STD II and STD III), will receive a 55″ Samsung TV! The qualification period ends November 30, 2015. Click here for more details.
Three ways to earn extra pay in October

Every Cigna supplemental health and final expense product¹ you sell this month will give you the opportunity to earn extra money!

Enjoy 3 ways to earn big during our October Sales Incentive:

	Earn up to $400 for the supplemental cancer, heart, critical illness, whole life or accident product policies you have issued!
	Earn $25 per issued application when you combine a Cigna supplemental health product with any additional qualifying Cigna Medicare Supplement product² or major medical plan!
	Earn an additional $1500, $1000 or $500 if you are one of the top three agents of Cigna Supplemental health products in October (based on issued annualized premium)!

Click here for more contest details and requirements.
Expand sales with our Medicare Supplement enhancements

Take a second look at your previously declined customers! Cigna Medicare Supplement plans, insured by American Retirement Life Insurance Company (ARLIC), can now accept more health conditions with our new underwriting classes.

We are excited to announce that our enhanced ARLIC Medicare Supplement, which includes new underwriting classes³, a 7% household discount⁴ , and customer discount and service programs⁵, will be released in the following states:

	11/1 – Georgia, Ohio, Pennsylvania, West Virginia
	12/1 – Delaware, Montana, Missouri⁶, North Carolina, Wisconsin, Wyoming

Upcoming webinars

All agents, both new and experienced, are invited to attend our informative webinars and are encouraged to ask questions.

Flexible Choice suite of cancer and Heart products: Learn about Cigna’s Flexible Choice suite of products, which offer your customers a flexible, affordable way to add financial security if they are diagnosed with cancer, heart attack or stroke.

Date: Tuesday, November 3, 2015
Time: 10:00 am CT
Click here to register for the webinar.

1.	Qualifying Cigna supplemental health products include: Flexible Choice Cancer and Heart Attack & Stroke, Critical Choice Cancer and Heart Attack & Stroke, Cash Advantage Critical Illness, Cancer Treatment, Accident Treatment, Accident Expense. Qualifying Cigna Final Expense products include: Individual and Companion Whole Life.
2.	CA does not permit the cross marketing of other insurance products with Medicare Supplement.
3.	Not all previous declines will be eligible for coverage. Does not apply to applicants during open enrollment or any guaranteed issue period.
4.	Household is defined as a condominium, unit, single family home, or apartment unit within an apartment complex. Assisted Living Facilities, Group Homes, Adult Day Care facilities and Nursing Homes, or any other health residential facilities are not included in the definition of “Household”. Both members of the household must apply or have a current Cigna Medicare Supplement policy provided by or through an affiliate of American Retirement Life Insurance Company. Expansion to Loyal American will be implemented in 2016. Discount may not be available in all states.
5.	Customer programs are not guaranteed insurance benefits with our Medicare Supplement Insurance policies and services may be added or discontinued. All customer programs are provided through third-party vendors and are not administered by American Retirement Life Insurance Company (ARLIC).
6.	New underwriting classes will not be available in Missouri.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including American Retirement Life Insurance Company and Loyal American Life Insurance Company. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.