Accidental Death &Dismemberment ProtectionThere’s a need for Accidental Death & Dismemberment Protection!

LOOK AT THESE FACTS…

National Safety Council’s “2002 Injury

Facts” makes it clear…

n Accidents are the fifth leading cause of death

for people of all ages.

n Accidents are the leading cause of death for

individuals age 1 to 34.

n An accidental injury occurs every two seconds;

an accidental death every six minutes.

n Over $500 billion is spent on accidental

injuries each year. These are costs every

individual and household pays whether

directly, out of pocket, or through higher prices

for goods and services.

Who’s Eligible:

n Members (up to age 70);

n Spouses (up to age 70);

n Dependent Children (up to age 19 or up to age 25, if a full-time student)

Plan Options:

n Plan benefits up to $250,000 or more.

n Once a Member is covered, it’s easy toenroll the Member’s Spouse and Dependent Children.

The Sponsoring Organization has thechoice of offering its Members anynumber of plans:

n 24 hour Accident or AD&D Plan.

n Over 30 Optional Coverages that weredesigned to further enhance andpersonalize any AD&D Plan Design.

n Stand Alone Options that can be soldindependently, without having toinclude a 24 hour, AD&D Plan, orused to further add value to anexisting AD&D Plan Design.

Accidental Death & Dismemberment Protection offers coverage

that protects the Member and his or her family against devastating

losses which occur when death or disability strikes as a result of

an accident. CIGNA’s Plan offers coverage for:

n Death

n Living benefits for Dismemberment, Coma, Paralysis,

Loss of Limbs, Loss of Eyesight, Loss of Speech

and Loss of Hearing.

n Family, Medical, Travel, Occupational, Recreational

and Military Risks.

Accidental Death & Dismemberment Protection

Accidental Death & Dismemberment Protection

Here is our list of optional features that can be added to a Basic AD&D Plan Design:

Family Options

Bereavement and Trauma Counseling

Provides a benefit for bereavement and traumacounseling to help surviving family memberscope with a loss.

Childcare Center

Provides a benefit for Childcare Expenses.

Child Survivor

Provides a lump sum benefit when a childreaches the age of majority.

Increased Dependent Child Dismemberment

Provides a benefit for continuing medical,rehabilitation and educational expenses for a Dependent Child.

Spouse Survivor

Provides a monthly benefit to a Member’ssurviving Spouse.

Spouse Retraining

Provides a benefit to reimburse a Spouse foreducational training for employment.

Special Education

Provides an educational expense benefit forDependent Children.

Elder Survivor

Provides a Lump Sum, Monthly or Lump Sum and Monthly benefit to Surviving Elderly Dependents.

Medical Options

Accidental Burn Disfigurement

Provides a benefit for reconstructive or cosmetic surgery.

Ambulance

Provides a benefit for required ambulance service.

Brain Damage

Provides a benefit if brain damage is suffered asa result of an injury.

Diagnostic X-Ray & Laboratory

Provides a benefit for required diagnostic X-Rayand laboratory examinations.

Emergency Room

Provides a benefit for Emergency RoomTreatment.

Home Alteration & Vehicle Modification

Provides a benefit for Home Alteration and/orVehicle Modification to maintain a SurvivingInsured’s independent lifestyle.

Hospital Stay

Provides a benefit for an Inpatient hospital stay.

Outpatient Surgery

Provides a benefit for Outpatient Surgery.

Physical Therapy

Provides a benefit when Outpatient PhysicalTherapy is needed to treat an accidental injury.

Rehabilitation

Provides a benefit for Rehabilitative Servicesthat will help prepare an Insured to return to his/her occupation.

Total Disability Weekly Benefit

Provides a Weekly Benefit, for up to 26 weeks,for an Insured’s Total Disability.

Waiver of Premium

Provides a benefit that waives premiums andcontinues coverage for Insured Members who become totally disabled.

Accidental Death & Dismemberment Protection

Travel Options

Business Travel

Provides a benefit while traveling for businesspurposes.

Carjacking

Provides a benefit while driving, getting into orout of or riding as a passenger in a vehicle that is carjacked.

Common Accident

Provides a double benefit to survivingDependent Children if both Insured Parents diein the same accident.

Hijacking & Air PiracyProvides a benefit for hijacking, air piracy, orunlawful seizure or attempted seizure of anaircraft.

Repatriation

Provides a benefit for expenses incurred for thereturn of remains to an Insured’s country.

Seatbealt/Airbag

Provides a benefit when use of a seatbeltand/or deployment of an airbag fail to preventdeath.

Occupational Options

Bulletproof Vest

Provides a benefit when, in the line of duty, an Insured suffers a fatality from a bullet’spenetration through a bulletproof vest.

HIV Occupational Accident

Provides a benefit when the performance ofOccupational Duties results in an Insuredacquiring and testing positive for HumanImmunodeficiency Virus (HIV) antibodies.

Recreational Options

Hunting

Provides a benefit if the Insured wasparticipating in the Sport of Hunting.

Military Options

Armed Forces

Provides a benefit while an Insured is on activeduty in the Armed Forces

National Guard & Armed Forces Reserve

Provides a benefit while the Insured is servingas a Member of the U.S. Military Reserve orNational Guard.

War Risk Provides a benefit due to war or an act of war.

OTHER OPTIONS

Association Members

Provides a benefit while attending orparticipating in events sponsored by aSponsoring Organization or while traveling toor from such event.

Burial & Cremation

Provides a benefit for burial or cremationexpenses.

Escalator

Provides a benefit that allows for the PrincipalSums of the covered Member and Spouse to beautomatically increased each year to help addmore value to future benefits.

Exposure & Disappearance

Provides a benefit when loss of life is presumedbecause of unavoidable exposure to theelements or an Insured is not found, withinone year of the date of his/her disappearance.

Felonious Assault and Violent Crime

Provides a benefit if an Insured is a victim of aviolent crime or felonious assault.

Bonus

Provides a benefit for 24 hour AD&D coverageor limited coverage for Travel AD&D.

Common Carrier

Provides a benefit while riding, getting into or out of the common carrier, as a fare payingpassenger in or being struck by a commoncarrier such as an aircraft.

Private Passenger

Provides a benefit when driving, riding as a passenger in, or getting in or out of a Private Vehicle.

Scheduled Air Travel

Provides a benefit when riding as a passengerin, or getting on or off a commercial airline on any scheduled or chartered flight.

Law Enforcement Officers

Provides a benefit for a loss suffered in the line of duty.

Permanent Total Disability

Provides a benefit when an Insured suffers Permanent Total Disability and remains totally disabled with injuries that areconsidered permanent.

Here is our list of optional features, for a Stand Alone Plan, that can be sold independently of a 24 hour AD&D Plan Design

CIGNA offers an exclusive Beneficiary Program, CIGNAssurance ®, that capitalizes on ourbroad capabilities and expertise in Member Benefits that’s automatically included, free ofcharge, when this plan is sold to a Sponsoring Organization. CIGNAssurance® is offered to all Accidental Death beneficiaries with claims over $5,000:

n Access to a Free Interest Bearing Account with Draft Privileges.

n Free, Confidential Bereavement Counseling, by phone, withGrief Counselors, included 24 hours/7 days a week.

n Free, Face-to-Face, Counseling Sessions with Trained,Professional Behavioral Health Experts.

n Free Legal Assistance, by phone, from Licensed, Practicing Attorneys.

n Free Planning Guidebook Helps Beneficiaries NavigateThrough Legal and Financial Responsibilities.

n Free Financial Assistance, by phone, from ExperiencedFinancial Professionals.

CIGNAssuranceSM

Accidental Death & Dismemberment Protection

CIGNA’S CLAIM PHILOSOPHYWhen it comes to paying claims, we share a common interest: to be fair, to be promptand to be accountable for our decisions! Claims are processed with a sense of urgency,integrity and objectivity. CIGNA prides itself on treating customers and claimants aswe would want to be treated.

Claims processing with a sense of urgency, integrity and objectivity:

~ Our goal is to process 100% of your Client’s claims within 10 days of receipt.

~ We are committed to minimizing delays with accurate and high quality reviews of allsubmitted claims.

~ Your Clients will have direct access to our Benefit Analysts and Technical Specialists.

Extended Customer Service:

~ We welcome the opportunity to arrange for Office Visitations from potential Clients.

NOTE:This information is intended to be a brief overview of the benefits available under this Plan. It does not provide costs,limitations, exclusions and terms under which the coverage may be kept in force. The Plan is subject to state filing andapproval, and may vary slightly, or not be available by jurisdiction in accordance with applicable laws and regulations.

CIGNA Group Insurance products and services are provided exclusively by underwriting subsidiaries of CIGNA Corporation,including Life Insurance Company of North America, CIGNA Life Insurance Company of New York, and ConnecticutGeneral Life Insurance Company. “CIGNA” is used to refer to these subsidiaries and is a registered service mark. Thisprogram may not be available in all states.

Accidental Death & Dismemberment Protection