products sold in foreign countries are marketed through distribution partners with whom the individual insured has an affinity relationship. These products are sold primarily through direct marketing channels, such as outbound telemarketing, and in-branch bancassurance (where the company partners with a bank and use the bank's sales channels to sell its insurance products). Marketing campaigns are conducted through these channels under various arrangements with affinity partners, including banks, credit card companies, and other financial and non-financial institutions. The company also markets directly to consumers through direct response television and the Internet. In certain countries, it markets its products through captive and third party brokers. The company’s Medicare supplement product line is distributed primarily through independent agents and telemarketing directly to the consumer. South Korea represents the company’s single largest geographic market for Global Supplemental Benefits. Group Disability and Life segment This segment provides group long-term and short-term disability, group life, accident and specialty insurance products and related services. The company’s Group Disability and Life business markets its products and services in all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Canada. Products and Services Group Disability Long-term and short-term group disability insurance products provide a fixed level of income to replace a portion of wages lost because of disability. Group disability coverage is employer-paid or a combination of employer and employee-paid, but also might include coverage paid for entirely by employees. As part of the company’s group disability insurance products, it also provides assistance to employees in returning to work and assistance to their employers in managing the cost of employee disability. The company intends to integrate the administration of its disability insurance products with other disability benefit programs, behavioral programs, medical programs, social security advocacy, and administration of federal and state Family and Medical Leave Act laws and other leave of absence programs. Its disability products and services are offered on a fully insured, experience-rated and ASO basis, although most are fully insured. Approximately 14,300 insured disability policies covering approximately 8 million lives were in force as of December 31, 2015. Group Life Insurance Group life insurance products offered include term life and universal life. Group term life insurance might be employer-paid basic life insurance, employee-paid supplemental life insurance or a combination thereof. Group universal life insurance is an employee-paid, voluntary life insurance product in which the owner might accumulate a cash value. Approximately 11,000 group life insurance policies covering approximately 7.5 million lives were in force as of December 31, 2015. Other Products and Services The company also offers personal accident insurance coverage, consisting primarily of accidental death and dismemberment and travel accident insurance to employers. Group accident insurance might be employer-paid or employee-paid. In addition, it offers specialty insurance services that consist primarily of disability and life, accident, and hospital indemnity products to professional or trade associations and financial institutions. The company also provides various voluntary products and services that are paid by the employee and offered at the employer's worksite. Its plans provide employers with administrative solutions designed to provide employers with a way to manage their benefits program. The company has brought to market two additional voluntary offerings – accidental injury insurance and critical illness coverage. Both products provide additional dollar payouts to employees for unexpected accidents or more serious illnesses. Markets and Distribution The company markets its group disability and life insurance products and services to employers, employees, professional and other associations and groups in the National, Middl
cigna corp (CI:New York Consolidated)
900 Cottage Grove Road
Bloomfield, CT 06002
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