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 Confidential, unpublished property of Cigna.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.

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Insured by American Retirement Life Insurance Company or Loyal American Life Insurance Company

1. Description of Companion Whole Life Policy 2. Two Ways to Sell 3. AML Training 4. Increase Your Commissions 5. Sample Rates 6. Product Availability Map 7. Underwriting

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 Confidential, unpublished property of Cigna.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

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 Confidential, unpublished property of Cigna.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

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 Confidential, unpublished property of Cigna.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

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*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 Confidential, unpublished property of Cigna.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 For Agent Use Only.

Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna

TWO WAYS TO SELL

TWO 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

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.

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

TWO WAYS TO SELL

• 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

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

TWO WAYS TO SELL

AML TRAINING

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

• 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.

• 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

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

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

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

RELEASED STATES: 2013

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

2014 2/26 – HI 3/12 – FL 3/19 – MI

States in orange are not approved as a combo app.

The following states will not approve a combo app: AR, KY, LA, ME, MT, NC, ND, NE, NH, OH, & WI

For Agent Use Only. Not for Public Distribution. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel ©2014 Cigna. Click Here for the current version of this map

Cigna Supplemental Solutions® – Whole Life status 6/4/2014

• 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

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

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

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.