Loyal American Life (Cigna)

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Products & Plans

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
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Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Choice Hospital Indemnity

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Flexible Choice Dental, Vision & Hearing Plus
  • Flexible Choice Dental, Vision & Hearing

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Flexible Choice Heart Attack & Stroke, Cancer Treatment
  • Cancer Treatment

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Choice Accident

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
  • Choice Short Term

Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
  • Individual Whole Life

About

Loyal American Life Insurance Company was founded in 1955 and became part of the Cigna Group, a leading global health service company, in the early 2000s. The acquisition expanded Cigna’s insurance offerings and helped the company gain a strong foothold in the supplemental insurance market. With Cigna’s backing, Loyal American operates under the health services umbrella and has earned a reputation for its broad portfolio of products aimed at individuals seeking additional coverage beyond traditional health insurance.


Loyal American Life Insurance focuses on various supplemental insurance products, primarily targeting seniors and individuals looking to enhance their medical coverage. Their core offerings include: Medicare Supplement Insurance, Whole Life Insurance, Hospital Indemnity Insurance, Dental, Vision, and Hearing, Cancer and Critical Illness Insurance and Short-Term Care Insurance.


As a subsidiary of Cigna, Loyal American benefits from the financial strength and stability of its parent company, which is consistently rated highly by major rating agencies. Cigna’s global reach and diversified portfolio contribute to Loyal American’s ability to maintain its financial obligations to policyholders, ensuring the company’s ability to deliver on its promises over the long term.

Cigna’s financial ratings typically range from A (Excellent) from A.M. Best to high marks from Fitch and Standard & Poor’s, reflecting their stable, diversified revenue streams and strong capital position. This backing gives Loyal American a solid foundation and positions it as a reliable partner for agents and clients alike.

Loyal American Life has long been recognized for its adaptability within the insurance space, particularly in the way it has evolved to meet the needs of Medicare-eligible individuals. Its acquisition by Cigna marked a turning point, allowing the company to integrate its services with Cigna’s broader health and wellness offerings, including technology-based health solutions and personalized care. This evolution reflects a broader industry trend where supplemental insurers are aligning more closely with holistic health service providers.

Pros
- Diverse Supplemental Product Offerings: Loyal American’s product lineup, including Medicare Supplement, Cancer, Critical Illness, and Short-Term Care insurance, offers comprehensive coverage options for policyholders looking for financial protection beyond basic healthcare.


- Financial Backing of Cigna: The company’s connection to Cigna adds credibility and stability, reassuring policyholders and agents that they are working with a financially strong and well-established organization.

- Specialization in Senior Markets: Loyal American is highly focused on meeting the needs of the senior market, with products specifically tailored to Medicare beneficiaries, offering niche solutions that enhance healthcare coverage.

Cons
- Brand Identity: Loyal American may not have the same level of brand recognition on its own compared to competitors in the same space, as it operates under Cigna’s larger corporate umbrella.

- Limited Standalone Focus: Being part of a broader health services organization like Cigna can limit its flexibility in differentiating from its parent brand. Some agents may prefer carriers that are independently focused on the supplemental insurance market.

Loyal American Life Insurance Company, operating under the Cigna umbrella, is a solid player in the supplemental insurance market, offering a wide range of products focused on helping individuals—particularly seniors—enhance their health coverage. Backed by Cigna’s financial strength and industry expertise, Loyal American is a trusted provider for Medicare Supplement, Whole Life, Hospital Indemnity, Cancer, and Critical Illness insurance. For insurance professionals, the company’s diverse offerings and reliable financial backing make it a competitive option for clients seeking additional coverage beyond traditional health insurance. However, the brand’s dependence on Cigna’s identity may be a consideration for those looking for more standalone recognition in the market.

News About Loyal American Life (Cigna)

HealthSpring Choice Hospital Indemnity (CHI) insurance is available for sale now in Idaho (ID). You can offer your clientele protection from out-of-pocket hospital expenses with a CHI insurance policy.1

• Guaranteed renewable for life.2
• Unlimited hospital confinements for different covered injuries or illnesses, with no restoration period required.
• Pays eligible benefits for covered inpatient mental health hospital stays
Product Aug 17, 2026

Facility Care and Home Health Care in One Policy

Available to sell now in CO, DC, IA, IN, MD, OH, SC, and WY.
Product Jul 27, 2026

Flexible Choice Cancer and Heart Attack & Stroke Insurance is now available in Virginia.

A heart attack or stroke can create financial strain that extends beyond medical bills. That's why we're excited to introduce Flexible Choice Cancer and Heart Attack & Stroke insurance— coverage that provides a lump-sum cash benefit after a qualifying diagnosis.

Unlike traditional health coverage, this benefit is paid directly to the insured (or their designated recipient), giving your clientele the flexibility to use the funds where they need them most.

Here’s what you’ll be able to offer:

• Flexible lump-sum benefit amounts from $5,000 to $75,000
• Benefits paid directly to the insured or a designated recipient
• Money can be used however it’s needed, including:
– Medical expenses
– Mortgage or rent payments
– Transportation costs
– Household bills
– Childcare expenses
– Everyday living expenses

 

Product Jul 27, 2026

Introducing Enhanced Dental, Vision & Hearing Plus

Start selling now in District of Columbia (DC) and Hawaii (HI).

We’re excited to introduce Flexible Choice Dental, Vision & Hearing Plus insurance (DVH Plus). The Plus stands for enhanced benefits, including:

• No waiting periods for dental benefits.
• Increase in coverage for major dental services from 0% to 20% in year one.
– Year one waiver with proof of prior coverage no longer available.
• 60% coverage of major dental services in years 2+ continues.

Our enhanced DVH Plus plan offers a variety of options, so your clientele can choose coverage that fits their needs and budget, including:

• Optional 100% coverage for preventive dental services.
• Low deductibles of $0, $50, and $100, or an optional disappearing deductible.1
• Eight maximum benefit options ranging from $1,000 to $5,000
Product Jul 23, 2026

Choice Hospital Indemnity - Available to sell now in New Jersey.

HealthSpring Choice Hospital Indemnity (CHI) is available for sale now in New Jersey (NJ). You can now offer your clientele protection from out-of-pocket hospital1 expenses with a HealthSpring Choice Hospital Indemnity insurance policy.

  • Guaranteed renewable for life.2
  • Guaranteed issue for ages 64-70 and simplified underwriting for all other ages.
  • 3-month preexisting condition limitation.
  • Unlimited hospital confinements for different covered injuries or illnesses, with no restoration period required.

Partnership has its rewards. Earn a $25 bonus for every qualifying Choice Hospital Indemnity application you write each month through December 31, 2026, with a minimum of five qualifying HealthSpring Supplemental Health product applications.3 Bonuses are paid the month following policy approval, so you receive what you earn quickly.

Visit the Choice Hospital Indemnity broker resource site to get all the tools you need to start selling now.
Sales Tools

Effective June 26, 2026. Flexible Choice Hospital Indemnity will no longer be available for sale under your distribution in NJ. All applications, including paper, for Flexible Choice Hospital Indemnity products must be signed and in our office by June 26, 2026.
Product Jun 26, 2026