AGENT GUIDE

FIRST DIAGNOSIS HEART ATTACK& FIRST MAJOR HEART SURGERY POLICYPolicy Form Series HF-960501-UTADescription: A lump sum benefit heart policy payable on first diagnosis of heart attack and 20% of chosenface amount for first major heart surgery. Benefit amounts for the First Diagnosis Heart Attack benefit are statespecific and range from 10,000 to 50,000. For more information, please see our First Diagnosis Heart brochure(GN-ITC-HF96) available through our Supply Department at CSBSupplies@CIGNA.com or on AgentView.State variations apply. Coverage plans available are individual, single parent, or family. Guaranteed renewable for life. Issue ages 0-64. Dependent children are covered to age 21, unless they are enrolled as a full-time student, then coverage isextended to age 25, or until the date of marriage, after which coverage is dropped. There is a state specific 60-day waiting period on the First Diagnosis Heart Attack and First Major HeartSurgery Policy. Either spouse on a family plan may be the primary insured, but the premiums will be based on the age ofthe oldest insured.Optional RidersIntensive Care Unit Benefit Rider – Pays for Intensive Care or Cardiac Intensive Care when confinement isa result of any injury or sickness. Benefit amounts are 300 or 600 per day up to 30 days of continuous stay.Benefits are reduced 50% prior to an Insured’s first birthday and on or after an Insured’s 65th birthday. Pleasenote that this ICU Rider is offered as an optional rider on several of our products, and the total ICU coverage islimited to 600 maximum for all policies.First Diagnosis Stroke Benefit Rider – If an Insured receives a First Diagnosis of a Stroke, We will pay theFirst Diagnosis Stroke Benefit Amount shown on the policy schedule. The First Diagnosis must be after theWaiting Period and while this Rider is in force with respect to the Insured. Each Insured is limited to one FirstDiagnosis of a Stroke under the terms of this Rider.Return of Premium Rider (ROP) – Here’s how it works. You buy your protection today. After your policy hasbeen in force for 20 years, you receive a check for 100% of your premiums paid, less any claims paid to you.These are three examples of what can happen when you keep your policy in force until maturity:Total Premiums PaidClaims PaidAmount of ReturnNo claimSmall claimLarge claim 9,600-0 9,600 9,600- 1,800 7,800 9,600- 25,000 0After your money is returned, you can continue your policy and your premiums will be reduced by approximately 35%Note: The ROP rider maximum issue age is 60 and is based on the policy owner’s age at issue. Benefits do not include premium forrate increases or policy upgradesCash Value Rider (CV) – The CV Rider is only available in LA, TN & TX. This rider will pay you a cashvalue benefit beginning with the day after the 5th rider anniversary date. The CV benefits paid with be originalpremium paid on or after the rider effective date less any claims paid multiplied by the applicable percentage, asshown in the Table of Cash Value Percentages. The CV Rider maximum issue age is 59 in LA & TN and 49 inTX. CV benefits do not include premium for rate increases or policy upgrades.3Policy Details

HEART DISEASE, HEART ATTACK& STROKE HOSPITAL INCOME POLICYPolicy Form Series HT-960601-UTADescription: A specified benefit heart treatment policy with a surgical schedule. Benefits are offered underPlan A and B. For more information, please see our Heart Disease brochure (GN.ITC-HT96) available throughour Supply Department at CSBSupplies@CIGNA.com or on AgentView. State variations apply. Coverage plans available are individual, single parent or family. Guaranteed renewable for life. Issue ages are 18-64. Dependent children are covered to age 21, unless they are enrolled as a full-time student, then coverage isextended to age 25, or until the date of marriage. There is a state specific 30-day waiting period on the Heart Disease, Heart Attack and Stroke HospitalIncome Policy. Either spouse on a family plan may be the primary insured, but the premiums will be based on the age ofthe oldest insured.Optional RidersIntensive Care Unit Benefit Rider – Pays for Intensive Care or Cardiac Intensive Care when confinement isa result of any injury or sickness. Benefit amounts are 300 or 600 per day up to 30 days of continuous stay.Benefits are reduced 50% prior to an Insured’s first birthday and on or after an Insured’s 65th birthday. Pleasenote that this ICU Rider is offered as an optional rider on several of our products, and the total ICU coverage islimited to 600 maximum for all policies.First Diagnosis Cancer Benefit Rider – Pays for the first diagnosis of internal cancer or malignant melanoma.Benefit amounts range from 10,000 to 50,000 (state specific). This rider is NOT available to applicants whohave ever had internal cancer.Return of Premium Rider (ROP) – Here’s how it works. You buy your protection today. After your policy hasbeen in force for 20 years, you receive a check for 100% of your premiums paid, less any claims paid to you.These are three examples of what can happen when you keep your policy in force until maturity:Total Premiums PaidClaims PaidAmount of ReturnNo claim 9,600-0 9,600Small claim 9,600- 1,800 7,800Large claim 9,600- 25,000 0After your money is returned, you can continue your policy and your premiums will be reduced by approximately 35%Note: The ROP rider maximum issue age is 60 and is based on the policy owner’s age at issue. Benefits do not include premium forrate increases or policy upgradesCash Value Rider (CV) – The CV Rider is only available in LA, TN & TX. This rider will pay you a cashvalue benefit beginning with the day after the 5th rider anniversary date. The CV benefits paid with be originalpremium paid on or after the rider effective date less any claims paid multiplied by the applicable percentage, asshown in the Table of Cash Value Percentages. The CV Rider maximum issue age is 59 in LA & TN and 49 inTX. CV benefits do not include premium for rate increases or policy upgrades.4Policy Details

ACCIDENT EXPENSE POLICYPolicy Form Series AD-980201-UTADescription: An accident policy that offers specific scheduled benefits. Coverage is offered as Plans A andB. See benefits schedule for specific amounts. For more information, please see our Accident Expense brochure(UTA-5-0001-GN) available through our Supply Department at CSBSupplies@CIGNA.com or on AgentView.State variations apply. Coverage plans available are individual, single parent, insured/spouse, or family. Guaranteed renewable for life. Issue ages 18-64. Dependent children are covered to age 21, unless they are enrolled as a full-time student, then coverage isextended to age 25, or until the date of marriage, after which coverage is dropped. There are four occupational classes available. Refer to your Occupational Guide (UTA-5-0004, found onAgentView). Note: When quoting a Group/Association rate, please quote based on the occupation ofthe majority of the group.Optional RidersReturn of Premium Rider (ROP) – Here’s how it works. You buy your protection today. After your policy hasbeen in force for 20 years, you receive a check for 100% of your premiums paid, less any claims paid to you.These are three examples of what can happen when you keep your policy in force until maturity:Total Premiums PaidClaims PaidAmount of ReturnNo claim 9,600-0 9,600Small claim 9,600- 1,800 7,800Large claim 9,600- 25,000 0After your money is returned, you can continue your policy and your premiums will be reduced by approximately 35%Note: The ROP rider maximum issue age is 60 and is based on the policy owner’s age at issue. Benefits do not include premium forrate increases or policy upgradesCash Value Rider (CV) – The CV Rider is only available in LA, TN & TX. This rider will pay you a cashvalue benefit beginning with the day after the 5th rider anniversary date. The CV benefits paid with be originalpremium paid on or after the rider effective date less any claims paid multiplied by the applicable percentage, asshown in the Table of Cash Value Percentages. The CV Rider maximum issue age is 59 in LA & TN and 49 inTX. CV benefits do not include premium for rate increases or policy upgrades.5Policy Details

Required formsOutline of Coverage – The use of an outline of coverage is required with all of our products. Please consult withthe Supply Department at CSBSupplies@Cigna.com or AgentView for the proper outline of coverage form forthe appropriate state.Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare – All agents are required byregulations to leave a current year’s copy to all Medicare eligible applicants when they are applying for disabilityinsurance policies or certificates that provide hospital or medical expense coverage on an expense incurred orindemnity basis. This includes First Diagnosis Cancer, Cancer Treatment, First Diagnosis Heart & Heart Diseasepolicies.Delivery of the Guide must be made to the applicant at the time of application and acknowledgement of receipt ofthe guide must be obtained by the insurance company. The applicant must be able to answer “yes” when asked bythe home office if they received a copy of the Guide. The Guide can be sent to the applicant electronically (emailedas an attachment or provide a link to the Guide to view online) or by paper copy mailed or delivered to the applicant.The Buyer’s Guide is available from the following sources:You can find the Guide on AgentView under Other Required Forms. Medicare Website – The Guide is available online to all consumers via the Centers for Medicare & MedicaidServices (CMS) website at: 0.pdf.Supply Department– You can request a paper copy from CSBSupplies@CIGNA.com or fax your order to(888) 417-8267. Please limit orders to 50 each.New Business Guidelines You must be licensed in the state where the applicant resides. All paper applications must be signed by the primary insured. A power of attorney is not acceptable. The policyowner’s signature is required in addition to the signature of the insured if the policyowner is otherthan the proposed insured. The policyowner must exhibit a definite insurable interest. Generally, we assume this exists when there is ahusband/wife, parent/child, or grandparent/grandchild relationship. If it is necessary to correct a mistake on the paper application, both you and the applicant must initial thestrikeover and this must be done in the presence of the applicant. Be sure to mark the correct benefit amounts on the application. Your assigned agent number must be included in the space provided on the application for the agent’s number. The effective date will be the date of issue unless a specific start date is required due to a replacement onapplication. Initial full modal premium must be submitted on all applications (except for faxed and Express App applicationswhere the bank draft authorization can be completed for premium).Due to the USA Patriot Act’s broad anti-terrorism measures, UTA’s policy is to prohibit money laundering throughdetection, deterrence and prevention. Therefore, we do not accept currency (cash), foreign currency, Cashier’schecks, money orders or Travelers checks as premium payments. A check drawn on the payer’s own account, suchas a personal check, is not considered cash. Third Party checks and/or representative payees are not acceptable forpayment of any contract premium, unless Group/Association Direct/List Bill status is utilized.6Policy Details

Underwriting guideLInesUNDERWRITING GUIDELINES FOR ALL UTA CANCER PRODUCTSThe medical conditions listed below are not insurable with Cancer plans: Have or ever have had internal cancer or malignant melanoma. Have or ever have had cancers of the blood including leukemia, lymphoma, mylelodysplastic syndrome,myeloma and myeloproliferative disorder. Have been diagnosed with Familial Adenomatous Polyposis. Have been diagnosed with Sarcoidosis. Are suspected of having or have symptoms or signs of cancer. Have been diagnosed with AIDS, ARC or who are HIV positive. Have been diagnosed as having a terminal illness. Have been diagnosed with Alzheimer’s disease or Dementia. Are bedridden, inpatient of a hospital, or confined to a nursing home or other health care facility. Are scheduled for surgery in the next 60 days and/or had surgery within the past 30 days. Have or ever have had Prostate-Specific Antigen (PSA) levels greater than 4.0.UNDERWRITING GUIDELINES FOR ALL UTA heart products and the ICU RiderThe medical conditions listed below are not insurable with Heart plans and the ICU rider: Have been diagnosed with AIDS, ARC or who are HIV positive. Have had any of the following circulatory diseases: cardiovascular disease (e.g. heart attack/bypass surgery),cerebrovascular disease (e.g. stroke/transient ischemic attack), or peripheral vascular disease (e.g. atherosclerosisof the aorta/aortic aneurysm). Have been diagnosed as having a terminal illness. Have been diagnosed with Alzheimer’s disease or Dementia. Have diabetes mellitus. Have been diagnosed with Sarcoidosis. Have renal disease or failure. Are currently receiving, or been advised to undergo, chemotherapy or radiation treatment for cancer. Have had or have been advised to have a heart, liver or kidney transplant. Have or have had uncontrolled hypertension at any time after the period of initial diagnosis and treatment.Uncontrolled hypertension is defined as blood pressure readings of 140/90 and above. Are bedridden, confined to a wheelchair, inpatient of a hospital, or confined to a nursing home or other healthcare facility. Are scheduled for surgery in the next 60 days and/or had surgery within the past 30 days. Are obese (see chart on page 9).7Policy Details

Additional Underwriting Guidelines for the ICU Rider (Continued)The medical conditions listed below are not insurable with the ICU rider: Have had, or been treated for, alcohol/drug dependency in the past five (5) years. Are incapable of taking care of their own basic activities of daily living. Are or have been on Social Security Disability or other Disability benefits in the past 12 months. Have sickle cell anemia, cystic fibrosis, Down’s Syndrome or other congenital disease or birth defects thataffect mortality. Have a totally disabling musculoskeletal, neurological or mental disorder. This includes Muscular Dystrophyand Multiple Sclerosis. Have a history of leukemia, lymphoma or other cancers of the blood even if considered now to be in remission. Are using oxygen or have been advised to use oxygen in the past twelve months. Have a history of tumor of the brain, lung, liver or connective tissue, whether benign or malignant. Have been diagnosed with Familial Adenomatous Polyposis. Have fibromyalgia.declinable CONDITIONS For all uta heart products and icu riderAlthough all conditions cannot be listed, the following are the most common. Any individual with one of theseconditions is not eligible for this policy.MyocarditisPericarditisPeripheral AtherosclerosisPremature Ventricular Contractions (PVCs)Raynaud’s PhenomenonRheumatic FeverSclerodermaStenosisTachycardiaTemporal ArteritisTetralogy of FallotThromboangitis Obliterans DiseaseThromboembolic DiseaseTransient Ischemic AttackTricuspid Valve DiseaseTumors of the heart, whether benign or malignantUncontrolled High Blood PressureAneurysmAngina PectorisAortic Valve DiseaseArteriosclerosisAtrial Fibrillation/FlutterBradycardiaCardiac ArrhythmiaCardiomyopathyCerebrovascular AccidentCongenital Heart DiseaseCongestive Heart FailureCor PulmonaleCoronary Artery Disease (CAD)DextrocardiaDown’s SyndromeDyskinesiaEndocarditisLymphedemaMitral RegurgitationMitral Valve Prolapse8Policy Details

Male & Female height/weight chartFEMALEMin. WeightMax. 6’8”6’9”6’10”6’11”Min. 42146150154158163167172176180185190195199Max. 3271279287295303312320329337346355364373383392The above build chart assumes the applicant’s other health history is acceptable. It this is not true, the above may not apply.9Policy Details

GENERALiNFORMATION

AGENTVIEWOur AgentView website (http://AgentViewCigna.com) gives you the tools to effectively manage your business.Download applications, track your new business, view commission statements and much more!When you create your account you will:1. Fill out the Create an account section with your Username and Password2. Fill out the Personal information section with your Email address, First and Last name and Social SecurityNumber.3. Fill out th

POLiCY FORm SERiES CF-960201-UTA, CF-940101-UTA & CF-940101-UTA wiTh CF-940101-UTA-BiA DesCription: A lump sum benefit cancer policy payable on first diagnosis of internal cancer or malignant melanoma. Benefit amounts are state specific