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CIGNA ANNUAL REPORT | 2020 SHAREHOLDER LETTER1A MESSAGE FROM OUR PRESIDENT AND CEO David CordaniBy all accounts, 2020 was an extraordinary year. The health crisis, social unrest and political tensions that unfolded could have each defined a year in their own right; together they converged to create one of the most unsettling periods in modern history. Families and communities were rocked by fear, uncertainty, pain, loss and sorrow. It was a year that many of us hope to never see repeated. However, as I reflect back, I cannot help but also see the bright spots that were part of the picture: the valuable lessons many of us learned about compassion and empathy; the medical advances that led to the development of vaccines at a pace never before seen in human history; the joining together of countless voices worldwide to demand a more equitable and equal society; and the remarkable resilience shown by so many in the midst of the year s relentless a global health leader, Cigna navigated 2020 by staying focused on meeting and balancing the needs of those we serve and on keeping our promises.

services portfolio25 • Completed $6.3B sale of Cigna’s group life, accident, and disability insurance business to New York Life26 • Completed the integration of our combination with Express Scripts and delivered on our integration priorities27 • 4% • • 22 • • Launched Evernorth, 24 • $6.2B sale 25 • 26

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