Estate planning at Cigna

Cigna Group Universal Life policies may allow ownership transfer to an ILIT because these policies are individually owned, unlike group term life policies which are employer-owned. Call 1-800-828-3485 to request an ownership change form. Provide the full legal trust name, trustee name, trust EIN, and date established. A W-9 for the trust as the new owner is also required. If an existing policy is transferred to an ILIT, the three-year lookback rule under IRC Section 2035 applies for estate tax purposes. The insured cannot serve as trustee of an ILIT that owns a policy on their life. Consult an estate attorney before making ownership changes.

In 2025, Health Care Service Corporation (HCSC) completed its $3.3 billion acquisition of Cigna's Medicare Advantage, Medicare Supplement, Medicare Part D, and individual supplemental health and life businesses. These products now operate under the HealthSpring brand for 2026 and beyond. Existing coverage and benefits are unchanged under the new brand. Employer-sponsored supplemental health insurance (accidental injury, critical illness, hospital care) and group universal life insurance remain with Cigna Healthcare and are not affected by this transition.