Author:Andrew Richardson

Read:8 mins

Review of Cigna Life Insurance

Cigna life insurance is well known in the insurance industry. They offer one life insurance product for those who are 50-75 years of age. The policy is affordable and easy to apply for online with no medical requirements.

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Pros
  • Online application, no paperwork
  • Simple application process
Cons
  • No Whole of Life policy options
  • Not all Critical Illnesses are covered.

About Cigna

Cigna Life Insurance boasts of being able to give 30% more cover on their 50+ Guaranteed Acceptance Whole of Life policies than others in the marketplace.

They offer several Protection Plans. These plans can assist you financially with Mortgage, Accidental Death, and Personal Accident incidents.

How User-Friendly is Cigna’s Insurance Buying Process?

When it comes to the Cigna Insurance buying process, it scores highly for being user-friendly. The insurer’s website is simple but well-designed, taking you step by step through the process and providing clear information at every turn. Quoting is quick and hassle-free, and online enrolment is available.

Another positive aspect is Cigna’s multiple options for health coverage; choices abound which allows for a personalized decision. Yet, these options are concisely explained, so it avoids the challenge of information overload often seen with other insurers.

Cigna Insurance Pricing: Value for Money?

When we consider Cigna Insurance pricing, it’s common to question whether it equates to good value for money. To put it plainly, Cigna’s coverage options are competitively priced. Whilst not the cheapest solution in the market, the many coverage extras on most of their plans are impressive.

Additionally, the value increases significantly when considering their encompassing network discounts. If you carefully examine your insurance needs alongside their extensive coverage range, you might find Cigna quite economical in the long run.

Understanding Cigna’s Insurance Policy Terms

Navigating insurance policies can be baffling. Do not fret, as you might find Cigna Insurance policy understanding easier than with other carriers. Cigna has a reputation for crafting well-explained terms and conditions which are relatively easy for an average policyholder to understand.

Furthermore, their customer service team stands ready to elaborate on any uncertainties you may have. At Pure Cover, we think Cigna goes the extra mile to ensure that customers understand what they’re signing up for.

A Look into Cigna’s Insurance Customer Service

Speaking of service, Cigna customer service has an overall high ranking among its policyholders. With numerous channels for policy inquiries or for managing your plan, it becomes quite apparent that Cigna values its customers’ experience.

Whether it’s via phone, email, or their user-friendly mobile app, you have various avenues to access assistance. Nonetheless, as with any company, some customers may still encounter lapses in service or communication errors at times.

Cigna’s Claims Process: Fast and Fair?

If you’re concerned about the Cigna claims process, reports generally hint towards transparency, fairness, and speed. The initial filing could be done online or via their dedicated claims line.

However, keep in mind that the speed of claims is influenced by factors such as the exact policy conditions, the type of claim, and the completeness of submitted documents. As such, don’t forget to carefully read through your policy to ensure smoother transactions.

Customer Opinions on Cigna Insurance Products

Ranging from budget-friendly basic plans to lavish comprehensive coverages, Cigna customer opinions are generally positive. The robust flexibility is appreciated by a majority of customers, offering options to fit different healthcare needs and budgets.

Although the insurer makes every effort to accommodate everyone, some customers have noted potential improvements in their facilities and network of care providers. As usual, individual experiences vary, and it’s best to investigate their offerings considering your practical needs.

The Strengths and Weaknesses of Cigna Insurance

A balanced view of Cigna Insurance Strengths and weaknesses sheds light on its overall performance. Strength-wise, Cigna’s extensive provider network, wide plan variety, and commendable customer service are often highlighted.

Conversely, the pricing can seem lofty to potential policyholders seeking budget insurance, but remember, you get what you pay for. Their comprehensive plans provide extremely good value if your health needs are higher.

The Coverage You Get with Cigna Insurance

Cigna coverage typically includes inpatient and outpatient services, mental health services, maternity, prescription drugs, emergency services, and more. These varied offerings make it a fitting provider for a wide range of policy seekers – from those needing essential cover to those seeking all-embracing benefits.

Although the base cover is impressive, the numerous add-ons available allow you to customize your policy further, offering more protection where you need it. Remember, flexibility is the insurance game’s name, and Cigna plays it very well.

Insurance Options: Our Honest Breakdown

Cigna Life Insurance offers one plan. They do however offer many Protection plans that cover a variety of different situations.

50+ Life Plan

Cigna Life Insurance plan offers up to £40,000 payout in the event of the insured’s death. There is no waiting period and coverage begins instantaneously after the application is approved. The application can be done online or over the phone and does not require a medical, only four health questions. Those who are healthy and do not smoke are able to have a higher cover with Cigna life insurance quotes. Premiums are fixed and will cease when the insured turns 90 years of age.

Mortgage Payment Protection Plan

This policy is not life-based insurance, but it will help assist you with mortgage payments. You can apply if you are between the ages of 18 and 64, have a mortgage, and live and work in the UK. It is activated by a disability or if you become unemployed. Some restrictions apply.

Cigna life insurance provides excess coverage choice from “Day 1” up to 90 days before the benefit kicks in. The daily benefit will pay 1/30 of the monthly payment for each day you are off work. It will pay until you return to work up to 12 months of coverage. Monthly benefits up to £2500 are available.

Personal Accident Products

These low-cost stand-alone plans have high-value benefits. They can also be purchased attached to a bank account or another core insurance product.

Health Cash Plan

This protection plan by Cigna life insurance, offers a payout for prescription charges, optical visits, and dental charges. Premiums are tier rated but fixed after purchase.

Surgery Cash Plan

This protection plan pays out in the event of the insured needing a surgical procedure. This plan is three-tiered; Silver, Gold, or Platinum. With a max benefit of £10,000. It is available to those 18-69 years of age with no medical required. Preexisting conditions, however, are subject to a 24-month waiting period. Premiums start at £7 per month.

Road Travel and Accident Plan

This protection plan covers the insured whilst travelling. It provides financial assistance in the event of bodily injury due to an accident. Covering death, disability, and hospitalization, with a variety of options to match lifestyle and budget.

How Cigna Insurance Stands Against Major Competitors

When we compare Cigna vs competitors, it continues to hold its turf robustly. With its wide range of coverage options, excellent customer service, and easy-to-understand policies, Cigna is indeed a formidable force amidst other health insurance providers.

Whilst pricing might not be its biggest strength, remember that insurance is an investment, not a casual purchase. The comprehensive coverage offered justifies the premiums and might save you serious money down the road in the healthcare maze.

Is Cigna Insurance Worth the Investment?

So, is Cigna investment worthiness a reality? Undoubtedly, it would depend on individual circumstances and expectations. However, if you prefer comprehensive coverage, good customer service, and don’t mind paying a premium, then Cigna insurance is worth considering.

To reiterate, while it may not be the economical choice for those on a tight budget, for others, it affords the peace of mind that myriad health conditions and treatments will be covered. Ultimately, your personal circumstances, budget, and health requirements will determine if Cigna is a fit for you.

Frequently Asked Questions(FAQ)

Is Cigna insurance affordable?

Whilst Cigna’s pricing is not the lowest on the market, it offers good value due to the comprehensive benefits included in its policies.

Do Cigna policies include maternity coverage?

Yes, maternity cover is included in many of Cigna’s health insurance plans.

How fast does Cigna handle insurance claims?

The time Cigna takes to handle claims depends on individual case factors, including policy conditions, the type of claim, and the completeness of the required documentation.

What are the strengths of Cigna insurance?

Cigna’s strengths lie in its extensive provider network, a wide variety of plans, excellent customer service, and easy-to-understand policies.

Does Cigna offer prescription drug coverage?

Yes, prescription drug coverage is included under numerous Cigna insurance plans.

Conclusion

Cigna Life Insurance 50+ is designed for affinity partners, such as banks, to offer their members a simple guaranteed acceptance life policy to protect their investments.
Cigna has many other products. They offer Protections Plans, Travelers Insurance, and Legal Protection Services.
To conclude, Cigna is an established health insurance provider with a reputation for providing comprehensive coverage and good customer service. It might not be the cheapest option, but its plans offer good value for money considering the range of benefits included. As with any insurance decision, careful research and comparison are key to finding the right provider for you.

Andrew Richardson is a highly respected expert in UK life insurance, with over 25 years of industry experience. Holding an honours degree from the London School of Economics and being a Fellow of the Chartered Insurance Institute, Andrew has made significant contributions to the field, including developing ground-breaking life insurance products. Known for his ability to simplify complex life insurance concepts, he regularly shares his insights through articles and workshops, empowering people to make informed decisions about their life insurance needs. His commitment to client service, education, and staying at the forefront of industry advancements solidifies his reputation as a trusted and leading figure in UK life insurance.

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About Andrew Richardson

Andrew Richardson, an accomplished expert in UK life insurance, brings to the table a wealth of knowledge amassed over 25 years in the industry. Andrew holds an honours degree in Business and Finance from the London School of Economics and is a Fellow of the Chartered Insurance Institute. He has dedicated his career to ensuring his clients receive the best possible advice and solutions to safeguard their futures.

Embarking on his career in London’s bustling finance district, Andrew’s unique ability to unravel and simplify the complexities of life insurance policies became evident. This skill, coupled with his intuitive understanding of market dynamics, led him to hold high-ranking positions in some of the country’s most well-respected insurance firms.

Renowned for his industry-leading expertise, Andrew has shared his valuable insights through articles in prestigious publications such as The Economist, The Telegraph, and the Financial Times. He has significantly contributed to shaping public understanding of life insurance by presenting complex information in an accessible and digestible format.

Notably, as a former Director of Life Insurance Products at a top insurance company, Andrew played a key role in the development and launch of ground-breaking life insurance products. These innovative policies have since become industry standards, demonstrating the significant impact of Andrew’s work.

Andrew’s commitment to educating the public on life insurance doesn’t stop at his writing. He frequently conducts workshops and seminars throughout the UK, empowering individuals to make informed decisions about their life insurance plans. His ability to present complex information in a clear, easy-to-understand manner has made these sessions highly sought after.

Beyond his professional achievements, Andrew actively utilises his expertise to support charitable causes, offering his knowledge of life insurance to help non-profit organisations secure their financial futures.

Always at the cutting edge of industry advancements, Andrew continually upgrades his knowledge, ensuring he offers the most current, relevant, and reliable advice to his clients. His unwavering dedication to professional growth has cemented his status as an industry leader in life insurance.

Andrew Richardson is more than just an insurance expert; he is a trusted advisor, a visionary product developer, and an invaluable asset to anyone seeking guidance on their life insurance needs. His deep knowledge, innovative spirit, and tireless commitment to client service make him an irreplaceable figure in the UK’s life insurance landscape.

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Meet our authors

Amelia Thompson

Dr. Amelia Thompson is an esteemed expert in UK health insurance, with a career spanning over 25 years. A Cambridge graduate in Medicine and a Master's holder in Health Policy from the University of London, Amelia has made significant contributions to the field, notably in the development of consumer-focused health insurance products. Renowned for her ability to simplify complex concepts, she frequently shares her insights in leading publications and educational seminars. Her commitment to ethical practice, client service, and industry advancement makes her a trusted and influential figure in UK health insurance.

Andrew Richardson

Andrew Richardson is a highly respected expert in UK life insurance, with over 25 years of industry experience. Holding an honours degree from the London School of Economics and being a Fellow of the Chartered Insurance Institute, Andrew has made significant contributions to the field, including developing ground-breaking life insurance products. Known for his ability to simplify complex life insurance concepts, he regularly shares his insights through articles and workshops, empowering people to make informed decisions about their life insurance needs. His commitment to client service, education, and staying at the forefront of industry advancements solidifies his reputation as a trusted and leading figure in UK life insurance.

Benjamin Turner

Benjamin Turner is a highly regarded expert in UK funeral insurance, boasting a professional career that spans over 20 years. A University of Manchester graduate and a distinguished member of the Chartered Insurance Institute, Benjamin has significantly contributed to the field, notably in the creation of comprehensive funeral insurance products. Renowned for his ability to clarify complex concepts, he frequently shares his insights in leading publications and workshops. His commitment to client service, ethical practice, and industry advancement makes him a trusted figure in the UK funeral insurance landscape.

Jonathan Harvey

Jonathan Harvey is a distinguished expert with over twenty years' experience in the UK's life, health, and funeral insurance sectors. A Cambridge graduate and Fellow of the Chartered Insurance Institute, Jonathan has a proven track record in designing innovative insurance policies, and a strong reputation for making complex insurance matters comprehensible for the public. Known for his empathetic approach, he has helped thousands make informed decisions on their future security. Regularly contributing to leading publications and hosting educational workshops, Jonathan's commitment to client service and public education truly sets him apart in the insurance industry.

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