Cigna is a global health service company with a long history in the insurance business.  Cigna Supplemental Benefits is a key provider of supplemental health products.  American Retirement Life Insurance Company (ARLIC), Cigna Health and Life Insurance Company (CHLIC) and Loyal American Life Insurance Company (Loyal) are subsidiaries of Cigna Supplemental Benefits.  Cigna’s Medicare Advantage products are under the Cigna-Healthspring banner.