85264882584 B12195 (1/18)

Group Universal Life and Personal Accident Insurance for you and your family.

Offered by Connecticut General Life Insurance Company or Life Insurance Company of North America

Life is full of surprises. Make sure you’re ready for them.

*You and your dependent spouse must meet eligibility requirements. If you or your dependents exceed the guaranteed coverage amounts or enroll after the enrollment period offered by your employer, you must provide evidence of insurability. Your coverage will then take effect on the date Cigna agrees in writing to cover you or your dependents.

Good news. To enhance your financial protection, we’re giving you an opportunity to enroll in Group Universal Life (GUL) and/or Personal Accident Insurance (PAI). You just have to be an active Cigna employee who is eligible for Cigna’s benefit program.

And there’s more good news: As long as you enroll online within 60 days of your eligibility date—or as long as your enrollment form is signed and postmarked by that date—you can get certain amounts of GUL coverage on a guaranteed issue basis.* That means you don’t have to take any medical tests or answer any health questions. And, you won’t be turned down for medical reasons.

Your time is now.

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Group Universal Life Insurance

You can’t predict the future. So it’s good to plan ahead. Help protect your family’s future and finances and prepare for retirement at the same time with GUL insurance.

A Group Universal Life insurance plan is:

• Easy. Apply within 60 days of your eligibility date and you may not have to answer any medical questions.

• Portable. You can take your coverage with you, even if you leave or retire from Cigna. Higher rates will apply.

• Long-lasting. Full coverage available until age 99.

• Adaptable. Plan options can help you manage your insurance coverage as your life’s needs change.

• Helpful. You’ll get access to Cigna’s Trusted Advisor, an online tool you can use to learn about your benefits, understand your finances and get instant access to forms.

Value-added programs. An extensive suite of health and wellness programs are included:**

• Cigna Secure Travel® – take advantage of a worldwide travel assistance program including pre-trip planning, help while travelling and emergency support for trips more than 100 miles from home.1

• Healthy Rewards® – savings on many products and services, including weight management, tobacco cessation, acupuncture, massages and more.2

• Cigna Will Preparation Program – simple, self-service online tool you can use to build state-specific customized wills and other legal documents, such as last will and testament, living will, health care and financial power of attorney.3

• Cignassurance® Program – offering supportive services in a time of need for surviving family members. Beneficiaries have access to financial, bereavement and legal services.4

• Cigna Identity Theft Program – provides access to a personal case manager who gives you step-by-step help and guidance if you ever have your identity stolen.5

**These programs are NOT insurance and do not provide for reimbursement of financial losses.

Reach your goals

You’ve got big plans. And big plans cost big money. Now, through your GUL plan, you have the option to build value through a Cash Accumulation Fund (CAF). Contributing to this fund can help you pay for future expenses like retirement, a new home or college tuition. To get started, figure out how much extra you want to contribute to your GUL plan—beyond the cost of insurance. Then, watch your money grow. It’s that easy.

Here’s why a Cash Accumulation Fund is a good thing:

• Guaranteed interest rate of 4%. The rate will never be lower than 4%. In fact, your actual rate may be even higher.

• Money for now. The money in your CAF is yours to use. You can borrow against your CAF or make an outright withdrawal if you’ve built up enough money.6

• Separate coverage for your spouse.*** He or she can participate in the CAF plan.

• Protection without payments. If you’ve built up enough money, you can stop making contributions temporarily and continue to enjoy your protection.7

***For the purposes of this brochure, whenever the term “spouse” appears it shall also include “domestic partner.“ For complete details about domestic partner eligibility, go to Your Cigna Life or call 1.800.551.3539.

Sign up within 60 days of your eligibility date and you may not have to answer any health questions or take any medical tests.

Your family and your future. Can you think of anything more important?

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Cash Accumulation Fund growth charts

The charts to the right show how fast the CAF grows at the guaranteed minimum interest rate of 4%, compared to a traditional savings account earning the same interest rate.

It’s your money. Watch it grow.

Numbers shown are on a cumulative basis. The charts assume that the CAF contribution, cost of insurance and deposits to a traditional savings account are paid monthly. The CAF contribution scenario reflects a 2% premium charge. The traditional savings account scenarios assume a 25% tax bracket. The actual CAF interest rate can adjust quarterly, but will never go below 4%. Current savings account interest rates are below 4%. Actual rates can be more or less favorable than shown. Savings account interest rates are not guaranteed, fluctuate with market conditions and vary among financial institutions. A CAF is not federally insured (FDIC). As an insurance product, it must comply with each applicable state’s specific insurance reserve requirements. Contributions to the CAF are optional and determined by you. Maximums are based on the Internal Revenue Code (IRC) limits and are subject to a 2% premium charge which represents a portion of the state and federal tax imposed on contributions made to the fund. Since contributions are subject to very specific IRC guidelines, dependent upon your age, cost of insurance, and effective date of your certificate, it is recommended that you call 1.800.828.3485 and a Cigna representative will calculate the maximum contribution for you. You must be enrolled for GUL insurance to contribute to the CAF.

YEARS CAF 4%TRADITIONAL

SAVINGS ACCOUNT 4%

TOTAL CUMULATIVE

TAX

AMOUNT LESS TAX (savings – total tax)

5 $ 6,507.21 $ 6,482.97 $ 160.99 $ 6,321.98

10 $14,424.23 $14,018.82 $ 672.94 $13,345.88

15 $24,056.48 $22,778.55 $1,592.85 $21,185.70

20 $35,775.60 $32,960.93 $2,986.98 $29,973.95

25 $50,033.70 $44,796.99 $4,932.33 $39,864.66

30 $67,380.86 $58,555.32 $7,518.44 $51,036.88

$100 Monthly Contribution Scenario

YEARS CAF 4%TRADITIONAL

SAVINGS ACCOUNT 4%

TOTAL CUMULATIVE

TAX

AMOUNT LESS TAX (savings – total tax)

5 $ 3,253.60 $ 3,241.49 $ 80.50 $ 3,160.99

10 $ 7,212.11 $ 7,009.41 $ 336.47 $ 6,672.94

15 $12,028.24 $11,389.28 $ 796.43 $10,592.85

20 $17,887.80 $16,480.46 $1,493.49 $14,986.97

25 $25,016.85 $22,398.50 $2,466.17 $19,932.33

30 $33,690.43 $29,277.66 $3,759.22 $25,518.44

$50 Monthly Contribution Scenario

4% interest rate

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Group Universal Life plan summaryHere’s a summary of coverage options for you and your family. See your plan for details about any restrictions, exclusions and limitations.

For you

You’re eligible for GUL insurance if you’re an active, full-time or part-time employee of Cigna. This means you regularly work a minimum of 28 hours per week.

• You can elect one times your eligible earnings without having to answer health questions or take medical tests.* This coverage is also called the “guaranteed issue” amount. The maximum coverage amount is $200,000.

• If you provide written proof of your good health, also known as “evidence of insurability,” you can increase your coverage for more than the guaranteed issue amount.** The maximum coverage amount is $3,000,000 or 10 times your eligible earnings, whichever is less.

No person may be insured more than once under this policy. For example, you can’t be covered as an employee and a dependent at the same time, or be a dependent of two employees.

For your spouse

If you elect GUL for yourself, you can buy coverage for your spouse.

• Spouses under the age of 65 can receive $10,000 or $20,000 of coverage without having to answer health questions or take medical tests.

• You can purchase coverage for your spouse over the age of 65, as well as additional coverage if your spouse provides evidence of insurability. The maximum coverage amount is $500,000 or three times your eligible earnings, whichever is less.

For your spouse’s coverage to become effective: • You must be actively at work • Your spouse must not be hospitalized • Your spouse must be able to perform the normal daily activities of a person of the same age and gender

For your children

If you elect GUL coverage for yourself, you may also purchase $5,000 or $10,000 of term life insurance for your unmarried dependent children who are:

• 15 days of age, but less than 19 years old

• Age 19 to 26, and primarily financially supported by you

• 19 or more years old, primarily financially supported by you and incapable of self-sustaining employment by reason of mental or physical handicap

For your dependent children’s coverage to become effective:

• You must be actively at work

• Your children can’t be hospitalized

• Your children must be able to perform the normal daily activities of a person of the same age and gender

Words to know:

• Guaranteed issue: an amount of insurance you can purchase during the enrollment period without having medical tests to prove you are insurable.

• Eligible earnings: your base salary and deferred salary plus a three-year average of variable compensation including bonuses, commission payments, shift and overtime pay.

• Maximum coverage: the highest amount of GUL coverage Cigna provides to you.

• Eligibility date: the first date you are eligible to become covered or enroll for GUL insurance.

• Evidence of insurability: written evidence of your good health. For example, your answers to a short medical test. Depending on your responses, medical records and/or a medical exam may be requested.

• Start date: also known as “effective date,” this is the date we receive your completed and signed application, and your coverage actually begins. You are fully covered from this date. If evidence of insurability was required, this is the date we agreed, in writing, to insure you. Your effective date of coverage is found on your Certificate of Insurance document.

It’s all in the details.

Note: In certain states, restrictions may apply and ages may vary.*We’ll round your coverage up to the next higher $1,000, unless the number is already a multiple of 1,000. So if your eligible earnings are $45,450 per year, your coverage will be $46,000. If your eligible earnings are $46,000 a year, your coverage will be $46,000.**You will not have to answer health questions or take medical tests if you: – Apply for coverage for 1 times your eligible earnings or $200,000, whichever is less.

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Group Universal Life Plan features

Your life is constantly changing. That’s why it’s important to have options. Here are all the ways you can make sure you have enough coverage for whatever direction life takes you.

Automatic increase option

We automatically increase your GUL coverage, up to the plan maximum, if your salary increases. This option helps lower your risk of being underinsured. We also increase your payroll deduction to cover the higher amount of protection.

Waiver of cost of life insurance

We will waive your cost of life insurance if:

• You become totally disabled8 before age 60, and

• Your disability lasts for six or more continuous months

This waiver does not apply to your spouse’s coverage.

Accelerated payment benefit

We will pay you a portion of your GUL benefit if you, or your covered spouse, are diagnosed as having a terminal illness. You will receive up to 50% of your GUL coverage in one payment. You can use the money for whatever you wish. To qualify for the payment, you need to provide medical certification from two unaffiliated U.S. licensed doctors. The doctors must state that your or your spouse’s life expectancy is 12 months or less. You or your spouse may also be required to be examined by a doctor of our choice. You will need to continue to pay your full premium if you take this benefit.

This benefit is only available one time and is not available to your children. The payment amount is subtracted from your or your spouse’s death benefit payment, if applicable.

Here’s how a 50% benefit would pay out on $100,000 of coverage:

It’s good to have options. Here are yours.

Accelerated Payment Benefit Example Monthly Premium $100,000 of GUL coverage $7.60- $ 50,000 (50% potentially tax-free lump-sum payment)

$ 50,000 remaining death benefit amount $7.60

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The price of protection.

Monthly Cost of Group Universal Life Insurance

The chart below will help you figure out the monthly cost9 of life insurance coverage. Simply find your (and/or your spouse’s) age in the left column. Then, read across to find the monthly cost of insurance for each $1,000 of coverage.

AGE OF EMPLOYEE

OR SPOUSE*

MONTHLY COST OF INSURANCE(RATES PER $1,000) AGE OF

EMPLOYEE OR

SPOUSE*

MONTHLY COST OF INSURANCE(RATES PER $1,000)

16 $0.027 $0.057 $0.051 $0.086 43 $0.073 $0.170 $0.132 $0.266

17 0.027 0.057 0.050 0.084 44 0.076 0.173 0.122 0.247

18 0.027 0.057 0.049 0.083 45 0.083 0.193 0.147 0.304

19 0.027 0.057 0.049 0.082 46 0.093 0.219 0.169 0.350

20 0.027 0.057 0.048 0.080 47 0.106 0.246 0.188 0.389

21 0.027 0.057 0.047 0.080 48 0.106 0.246 0.183 0.379

22 0.027 0.057 0.047 0.079 49 0.113 0.253 0.192 0.397

23 0.027 0.057 0.047 0.079 50 0.133 0.286 0.244 0.454

24 0.027 0.057 0.047 0.080 51 0.153 0.332 0.283 0.525

25 0.027 0.057 0.047 0.080 52 0.166 0.366 0.310 0.577

26 0.027 0.057 0.048 0.081 53 0.173 0.372 0.294 0.547

27 0.027 0.057 0.049 0.082 54 0.186 0.379 0.309 0.573

28 0.027 0.057 0.049 0.082 55 0.226 0.439 0.401 0.688

29 0.027 0.057 0.051 0.086 56 0.266 0.512 0.468 0.804

30 0.033 0.066 0.052 0.092 57 0.296 0.572 0.527 0.905

31 0.033 0.066 0.054 0.095 58 0.332 0.638 0.587 0.997

32 0.033 0.070 0.056 0.099 59 0.322 0.645 0.570 0.979

33 0.033 0.073 0.059 0.103 60 0.372 0.711 0.662 1.126

34 0.033 0.076 0.060 0.105 61 0.412 0.785 0.731 1.243

35 0.043 0.086 0.074 0.136 62 0.459 0.884 0.818 1.392

36 0.043 0.090 0.075 0.137 63 0.519 0.984 0.916 1.557

37 0.043 0.093 0.075 0.138 64 0.575 1.097 1.019 1.715

38 0.043 0.093 0.076 0.140 65 0.578 1.104 1.007 1.596

39 0.043 0.100 0.078 0.144 66 0.605 1.110 1.068 1.693

40 0.053 0.140 0.109 0.221 67 0.645 1.150 1.144 1.814

41 0.060 0.146 0.115 0.232 68 0.678 1.203 1.202 1.905

42 0.070 0.156 0.122 0.247 69 0.751 1.330 1.324 2.099

DEPENDENT CHILD COVERAGE RATES

$5,000 of coverage for your dependent children $1 per month

$10,000 of coverage for your dependent children $2 per month

*Your age for calculating monthly cost of insurance will be updated on each January 1.

Group Universal Life insurance premiums and Cash Accumulation Fund contributions are paid for with after-tax dollars.

Rates for age 70 and over are available upon request.

Rates are subject to change but will not exceed the guaranteed cost of insurance shown in your Certificate.

Employee Spouse Employee Spouse

Non-tobacco user

Tobacco user

Non-tobacco user

Tobacco user

Non-tobacco user

Tobacco user

Non-tobacco user

Tobacco user

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Here’s what else you need to know.

Important information about your Group Universal Life coverage

Coverage start and end dates

Your and your dependent’s coverage will start* on the date we receive the completed and signed application and payroll authorization form, if:

• You meet the eligibility requirements

• You enroll within 60 days of your eligibility date

• You do not apply for more than the Guaranteed Issue amount

• You do not need to provide evidence of insurability

Otherwise, you and your dependent’s coverage will take effect on the date Cigna agrees in writing to cover you and your dependents.

You and/or your spouse’s coverage will end on whichever comes first:

• You cancel the coverage

• Cigna cancels the group policy**

• You don’t pay the premiums

• On your 100th birthday (or the January following your 100th birthday)

• You or your spouse die

Dependent children coverage will end on whichever comes first:

• Your coverage ends (or, when your spouse’s coverage ends, if the child’s coverage is on the spouse’s certificate)

• You surrender or cancel their coverage

• They are no longer eligible for coverage

Exclusions

If an insured commits suicide, while sane or insane, within two years of their policy’s start date or within two years from the effective date of any increase in coverage amount, a refund of premiums will be made, minus any outstanding loans or cash withdrawals.

*This is the date your coverage actually begins. You are fully covered from this date.

**If Cigna cancels the group policy, you can continue your coverage on a direct bill basis. Higher rates will apply.

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Accidents happen. We’re here to help.

Personal Accident InsuranceYou just never know. That’s why it’s important to make sure you’re covered in case of an accident. PAI gives you added peace-of-mind with a range of coverage at an affordable price to you. If you die as the result of a covered10 accident, your PAI benefits can help your beneficiaries pay for big expenses like the mortgage or your children’s college tuition. If you’re seriously injured10 in an accident, PAI can help pay for things that make living easier, like wheelchair ramps or adjustment of your car’s steering wheel.

Features of a Personal Accident Insurance plan:

• Protection on or off the job. PAI pays a benefit whether or not the accident is work-related.

• Portable. You can take your coverage with you even if you leave or retire from Cigna. Restrictions may apply.11

• Helpful. You’ll get access to Cigna’s Trusted Advisor, an online tool you can use to learn about your benefits, understand your finances and get instant access to forms.

Other benefits and services*

• Living benefits. PAI provides benefits that can help you pay for new living accommodations if you are seriously injured in a covered accident.

• Value-added programs. An extensive suite of health and wellness programs are included at no additional cost:*

n Cigna Secure Travel® – take advantage of a worldwide travel assistance program including pre-trip planning, help while travelling and emergency support for trips more than 100 miles from home.1

n Healthy Rewards® – savings on many products and services, including weight management, tobacco cessation, acupuncture, massages and more.2

n Cigna Will Preparation Program – simple, self-service online tool you can use to build state-specific customized wills and other legal documents, such as last will and testament, living will, health care and financial power of attorney.3

n Cignassurance® Program – offering supportive services in a time of need for surviving family members. Beneficiaries have access to financial, bereavement and legal services.4

n Cigna Identity Theft Program – provides access to a personal case manager who gives you step-by-step help and guidance if you ever have your identity stolen.5

*These programs are NOT insurance and do not provide for reimbursement of financial losses.

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Personal Accident Insurance Plan SummaryHere are some of the coverage options for you and your family. See your Certificate for details about any restrictions, exclusions and limitations.

For you

You’re eligible for PAI if you are an active, full-time or part-time employee of Cigna. This means you regularly work a minimum of 28 hours per week.

• Select from $25,000 to $500,000 worth of coverage in $25,000 increments

• The maximum coverage amount is $500,000, or 10 times your eligible earnings, whichever is less

Your spouse

If you elect PAI coverage for yourself, you can buy

coverage for your spouse.*

• Spouses can receive either 100% or 50% of the coverage amount you choose for yourself

• The maximum coverage amount is $500,000

For your spouse’s coverage to become effective:

• Your spouse must not be hospitalized or receiving outpatient care for chemotherapy or radiation

• Your spouse must not be confined at home under the care of a doctor

• Your spouse must not be receiving disability benefits

• Your spouse must be able to perform the normal daily activities of a person of the same age and gender without another person’s help or supervision

*For the purposes of this brochure, whenever the term “spouse” appears it shall also include “domestic partner”. For complete details about domestic partner eligibility, go to Your Cigna Life, or call

1.800.551.3539.

Your children

If you elect PAI for yourself, you may also buy

coverage for your unmarried children who are:

• Under age 19

• Age 19 to 26, a full-time student and primarily supported by you

• 19 or more years old, primarily supported by you and are incapable of self-sustaining employment by reason of mental or physical handicap

If the children are not biologically yours (for example, a step-child), they must also reside with you.

The coverage amount for children is 10% of your benefit amount. So if you elect $100,000 worth of coverage for yourself, your child’s coverage is $10,000. The maximum coverage amount is $25,000. Costs are the same, regardless of the number of children you insure.

For your dependent children’s coverage to become effective:

• You must be actively at work

• Your children must not be hospitalized or confined at home under the care of a doctor for sickness or injury.

No one can be covered more than once under this plan. If you are covered as an employee, you cannot also be covered as a dependent.

Monthly cost of insurance

Use this chart to help you figure out the monthly cost of PAI coverage.

NOTE: If you also elect GUL coverage, you will need to add this amount to your total monthly payroll deduction. PAI is paid for with after-tax dollars. Rates are subject to change.

Your plan. Your choices.

Employee Only $0.026 per $1,000 of coverage

Spouse Coverage $0.026 per $1,000 of coverage

Child Coverage $0.052 per $1,000 of coverage

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You deserve more. So here it is.

Personal Accident Insurance: Additional BenefitsIt’s not easy to predict how a serious accident will affect your family. Some accidents could seriously affect your finances—especially if extensive rehabilitation is needed. That’s why PAI gives you these additional benefits to help meet special needs.

Living benefits

We will pay benefits if you, or an insured family member, are seriously injured in a covered accident that results in dismemberment, loss of eyesight, speech and hearing, and paralysis.

If you suffer multiple covered losses12 in one covered accident, you’ll receive only one benefit—the largest benefit to which you’re entitled.

Child-care center benefit

We will pay a benefit to help pay for your children’s daycare expenses if you, or your insured spouse, dies because of a covered accident. We’ll pay up to 3% of your total coverage each year, for up to five continuous years, or when the child turns 13, whichever comes first. We’ll send the payments to the child’s surviving custodial parent or legal guardian. There are certain limitations:

• Your surviving child must be 12 years or younger

• Your surviving child must be enrolled in a licensed day care center at the time of your covered accident, or within one year of your accidental death.

Increased accidental injury benefit for children

We will pay double the child’s coverage amount if your insured child suffers an accidental injury. The maximum payment amount is $50,000. Restrictions apply.13

COBRA reimbursement benefit

We’ll pay a benefit to your surviving insured spouse or dependent children if they are covered under Cigna’s medical plan and you die because of an accident. We’ll pay up to 3% of your total coverage each year, for up to three years. The maximum coverage amount is $3,000.

Seat belt and air bag benefits

We will automatically increase the benefit amount by 15% if you, or an insured family member, die in a motor vehicle accident while wearing a seat belt. Maximum benefit is $15,000.

We will automatically increase the benefit amount by 10% if you, or an insured family member, die in an accident while positioned in a seat protected by an air bag that properly inflated on impact. Maximum benefit is $10,000.

We will pay $1,000 if it isn’t clear whether the Insured had been wearing a seat belt, and/or if the air bag inflated properly upon impact.

Restrictions, limitations and exclusions apply.14

If, within 365 days of a covered accident, bodily injuries15 result in: Percentage of your benefits payable to the covered person

Loss of lifeTotal paralysis of both upper and lower limbs Loss of both hand and footLoss of eyesight and hand or footLoss of speech and hearing in both ears

100%

Total paralysis of both legsTotal paralysis of arm and leg on one side of the body Loss of hand, foot or entire sight in one eyeLoss of speechLoss of hearing in both ears

50%

Loss of thumb and index finger on same hand 25%

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You are important. And so is this information.

Important information about your Personal Accident Insurance coverage

Coverage start and end dates

Your coverage will start on the date we receive your completed and signed enrollment form and your payroll authorization form. If you’re not actively at work on your start date, we’ll defer your start date until you’re actively at work.

Your coverage will end on whichever comes first:

• Cigna cancels the group policy

• You are no longer an eligible employee

• You are no longer actively at work

• You don’t pay the premiums

Spouse or dependent children coverage will end on whichever comes first:

• Your coverage ends

• Their premiums are not paid

• They’re no longer eligible

Accident Insurance Exclusions

The Insurance Company will not pay Accident Insurance Benefits for a loss which in any way results directly or indirectly from any of the following:

• Suicide, attempted suicide or intentionally self inflicted injury, while sane or insane (except in Missouri, this applies only while sane).

• Sickness, disease or bodily infirmity; medical or surgical treatment; or bacterial or viral infection, no matter how contracted. (This does not include bacterial infection that is the natural and foreseeable result of an accidental bodily injury or accidental food poisoning.)

• War or an act of war, whether or not declared.

• An Accident occurring while an Insured is on full-time active duty for more than 30 days in the Armed Forces. If the Insured sends proof of service, the Insurance Company will refund any premiums paid for coverage during this time. Reserve or National Guard active duty or training are not excluded unless it extends beyond 31 days.

• Commission of a felony.

• Aviation, or travel or flight (including getting in or out, on or off) in any aircraft or device which can fly above the earth’s surface if:

a. the aircraft or device is being used:

1) for test or experimental purposes; or

2) by or for any military authority. (Aircraft flown by the U.S. Air Mobility Command (AMC) or similar service of another country are not excluded); or

3) for travel, or is designed for travel, beyond the earth’s atmosphere; or

b. the Insured is:

1) serving as a pilot or crew member unless acting in the capacity of a Cigna pilot or crew member and piloting a Cigna aircraft; or

2) student taking a flying lesson; or

3) hang-gliding; or

4) parachuting, except where the Insured has to make a parachute jump for self-preservation.

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Trust is the basis of any good relationship.

Before you enroll

Deciding if this plan is right for you and your family is important. So, before you enroll, please:

• Read through this brochure to help you choose the best coverage options for you and your family.

• Call 1.800.828.3485, Monday–Friday, from 8 a.m. to 5 p.m. Central Time with any questions. A customer service representative will be happy to help you.

• Visit Cigna Trusted Advisor for information specific to your benefits.

Two ways to enroll

• Visit Cigna Trusted Advisor through Your Cigna Life or at www.CignaTrustedAdvisor.com/Cigna. Click on the “My Benefits” tab. Select the benefit in which you want to enroll and click “Enroll Now.” Note: You will need to register to use the site if accessing through www.CignaTrustedAdvisor.com/Cigna.

• Complete the enclosed Insurance Application. Mail the form to Cigna’s customer service center16 or fax it to 1.877.435.7181.

Cigna Trusted AdvisorYou want to make sure you choose the right insurance protection. So you need a trusted advisor to help guide you. That’s why we created Cigna Trusted Advisor®. This website gives you detailed information that’s easy to understand. It has tools that will help you learn more about this insurance and how to sign up. Plus, you can quickly complete everything online at a time that works for you.

Cigna Trusted Advisor helps you:

• Understand your plans

• View and enroll in available benefits

• Use financial guides and calculators to figure out your insurance needs

• Get important messages from Cigna

• Get instant access to forms, enrollment online and beneficiary designations

• Designate, change or remove beneficiaries

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1 Cigna Secure Travel services are provided under a contract with Worldwide Assistance Services, Inc. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the applicable service agreements. This program does not include reimbursement of expenses for financial losses. 2 Some Healthy Rewards discount programs are not available in all states and programs may be discontinued at any time. A discount program is NOT insurance, and the customer must pay the entire discounted charge. 3 Cigna’s Will Preparation Program is provided under an arrangement with ARAG.4 The Cignassurance Program for beneficiaries is available to beneficiaries receiving coverage checks over $5,000 from Cigna Group Life and Personal Accident Programs. Phone and face-to-face counseling sessions must be used within one year of the date the claim is approved. Cignassurance accounts are not deposit account programs and are not insured by the Federal Deposit Insurance Corporation or any other federal agency. Account balances are the liability of the insurance company and the insurance company reserves the right to reduce account balances for any payment made in error. 5 Cigna Identity Theft Services are provided under a contract with Europe Assistance. Presented here are highlights of these programs. Full terms, conditions and exclusions are contained in the applicable service agreements. This program does not include reimbursement of expenses for financial losses.6 You will be charged a $25 transaction fee for each withdrawal or surrender. There is no separate transaction fee for loans. You have the ability to withdraw from or borrow against your CAF. Withdrawals and loans can decrease the amount of the available death benefit. The minimum withdrawal amount is $250 and the maximum amount is the total cash value (less any outstanding loans and less any future cost of insurance already billed). When you do decide to withdraw your money, you’ll only pay taxes if the withdrawal amount exceeds the amount of your total contributions (cost of insurance plus CAF contributions). To make a withdrawal, call the Cigna customer service center at 1.800.828.3485. To take out a loan, call the Cigna customer service center to arrange a repayment schedule. You’ll be assessed 8% interest annually on the outstanding loan amount, but you will continue to be credited with 6% on the loan account value. You shouldn’t owe income tax on your loan unless you cancel your coverage or your coverage lapses.7 Administrative fees and cost of the life insurance coverage only will be automatically withdrawn from your Cash Accumulation Fund until these funds are depleted. These costs do not include any money going into the Cash Accumulation Fund.8 To receive the waiver of life of insurance benefit, you must be totally disabled from any occupation for wage or profit before age 60.

9 These costs do not reflect any contributions into your CAF. Rates are subject to change but will not exceed the guaranteed maximum cost of insurance. If you terminate active employment with Cigna, higher rates will apply.10 The word “accident” used in this brochure refers to a covered accident, as defined by your plan’s policy. Only injuries sustained in covered accidents are eligible for insurance benefits. An injury is defined as accidental loss or bodily harm which results directly or indirectly of all other causes from an accident. 11 Cost may change. If Cigna coverage ends for any reason except nonpayment of premium, you can convert to an individual policy. No medical certification is needed. To continue your coverage, you must apply for the conversion policy and pay the first premium within 31 days after your group coverage ends. Employees and family members may convert their coverage as long as they have not reached the maximum age limitation. Converted policies are subject to certain benefits and limits as outlined in your certificate. Maximum coverage eligible for conversion under this policy is $250,000.12 See your plan’s “Schedule of Losses” for details. 13 If the child dies within 90 days of the accident, you will receive the death benefit only. 14 Seat belt benefit applies to accidents occurring while driving or riding in a validly registered four wheel private passenger (or employer-owned) car, station wagon, jeep, pickup truck or van-type car. Seat belt must be properly fastened, factory installed/manufacturer-approved. If the insured is a child, while protected by a child restraint system as defined by state law. Air bag must be factory-installed/manufacturer approved. No benefit will be paid if the official accident report indicates that no seat belt was worn and the air bag did not inflate at the time of the accident.15 Loss of a hand or foot means severance through or above the wrist or ankle joint. Loss of sight means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable by natural, surgical or artificial means. Loss of speech means total, permanent and irrecoverable loss of audible communication. Loss of hearing means total and permanent loss of hearing in both ears, that cannot be corrected by any means. Loss of a thumb and index finger means complete severance through or above the metacarpophalangeal joints (the joints between the fingers and the hand). Severance means complete separation and dismemberment of the limb from the body. Paralysis means total loss of use, without severance, of a limb. This loss must be determined by a doctor to be complete and not reversible.16Cigna Customer Service Center administration provided by Infosys McCamish Systems, LLC.

Reference notes

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Notes

852648 ©2018 Cigna. Some content provided under license.82584 B12195 (1/18)

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Call us at 1.800.828.3485

This information is a brief description of the important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in group universal life policy # 2024602 (M102600) and group accident policy #OKM-001000. (THIS POLICY PROVIDES ACCIDENT INSURANCE ONLY AND DOES NOT PROVIDE COVERAGE FOR SICKNESS). For a full description of benefits, please review the Certificate of Insurance that is issued to persons who have purchased the coverage. If there are any differences between the information provided in this material and the Group Policies, the information in the Group Policies will prevail. No one can be covered more than once under these policies. The availability of this offer may change. Premiums are subject to change. The group policies are subject to the laws of the jurisdiction in which they are issued. Please keep this material as reference.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation. Group Universal Life insurance coverage is provided by Connecticut General Life Insurance Company. Personal Accident Insurance coverage is provided by Life Insurance Company of North America. Policy forms: GM6000 et al (GUL), GA-00-1000.00 et al (PAI). The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc.

You’ve got questions?We’ve got answers.Call us at 1.800.828.3485