Helping Talented Agents Close More Sales


cigna logo     map clickhere

red line

Cigna Final Expense

Cigna, also known as American Retirement Life Insurance Company or Loyal American Life Insurance Company in some states, is a global health service company with a history in the insurance business that spans 220 years and maintains sales capability internationally in 30 countries with approximately 70 million customer relationships worldwide.



Click here to visit our fast, easy online contracting.

NOTE: This carrier is a Just In Time carrier. You must submit business for your contract to be finalized.


Direct HO Access  Annualization  Downline Recruitment Allowed
  Requires E&O  Appointment Fees

How To Guide


Click here to access the Cigna Supplemental agent website.


To find supplies for Cigna final expense log into your agent portal and go to Forms & Materials > New Business.


There is no software for Cigna Supplemental final expense.

 New Business  

Please send your first application with Cigna final expense to MESSER by either:

  1. Faxing your application to 800-968-9814
  2. Emailing it to [email protected]
  3. Or, if the application includes a modal premium, overnight the application to the following address:

    ATTN: New Business
    MESSER Financial Group
    1216 Mann Dr Suites 100-200
    Matthews, NC 28105

New business for Cigna final expense can be submitted two ways.

  1. By logging into your agent portal and doing the Express App.
  2. By faxing the completed application along with this fax form to 877-704-8186


Approval can be declined based on drug usage. Click here to view the declinable druglist.


To find forms for Cigna final expense log into your agent portal and go to Forms & Materials.


Click here to access MESSER's Senior Quote Tool.



Commissions for Cigna Supplemental final expense are paid by the carrier.



Visit MESSER's Carrier Incentive Page to view all carriers offering an incentive trip.

Request Help

 Request Help  

Need help? Click here to request help today.