Right behind Aetna, Cigna accounts for most of the Cancer Insurance we write here at New Horizons. A major benefit of the Cigna plan is that it covers skin cancers, which other carriers do not. In addition, Cigna offers a Combo app in most states, which makes the sell a breeze, especially when paired with a Cigna Med Supp.

Cancer Plan Details

When you choose your benefit amount and sign up for the Cigna cancer plan, you're guaranteeing that as soon as you receive a first cancer diagnosis, Cigna will write you a check for that amount.

  • Waiting period: 30 days
  • Plan type: Lump sum
  • Benefit amounts: $5,000-$100,000
  • Issue ages: 18-99
  • Guaranteed renewable
  • Covers internal cancers, malignant melanoma and other skin cancers
  • Eligibility requirement: No cancer in the past 10 years
  • No tobacco questions on the app
  • Individual, Couple, Single Parent, Family Coverage Options

State Availability

Cigna's Flexible Choice Cancer, Flexible Choice Cancer and Heart Attack & Stroke, and Cancer Treatment policies are available in most states. In fact, the base policy is available in all states except Virginia. However, the various riders and add-ons are not available in all states. To see state availability, please check this chart.

Sample Rates

Sample rates taken for IL in July 2019

Heart Attack and Stroke Coverage

Cigna offers a Flexible Choice Cancer and Heart & Stroke plan that provides lump sum benefits for the diagnosis of cancer and/or heart conditions and stroke. A lump-sum Heart Attack & Stroke insurance policy pays a percentage of the selected benefit amount, between $5,000 - $100,000, upon a diagnosis of a heart attack, stroke or other qualifying event.

You can also add multiple riders for recurrence, restoration and more.

[A recurrence rider essentially allows the policyholder to be paid over and over again every time they get cancer. The amount you receive with the recurrence benefit is on a sliding scale based on how much time passed since the last cancer diagnosis.]

Packaging Cancer and Med Supp

New to Cancer Insurance?

Read The Ultimate Guide to Selling Cancer Insurance to Seniors, and you'll not only get full explanations for all the stats on this handout, but you'll learn how to bring up the conversation, what company you should sell, and everything in between.

You may also like the "Why Is Cancer Insurance Important?" Client Handout.