SUPPLEMENTAL BENEFITS PRODUCT AVAILABILITY …

1 PRODUCT AVAILABILITY CHARTP roducts as of 11/9/2020 All PRODUCT and state AVAILABILITY subject to HampshireCaliforniaNew JerseyColoradoNew MexicoConnecticutNew YorkDelawareNorth DakotaFloridaOhioGeorgiaOklahomaHawaiiOr egonIdahoPennsylvaniaIllinoisRhode IslandIndianaSouth CarolinaIowaSouth DakotaKansasTennesseeKentuckyTexasLouisi anaUtahMaineVermontMarylandVirginiaMassa chusettsWashingtonMichiganWest VirginiaMinnesotaWisconsinMississippiWyo mingMissouri = Express AppMed Supp = Medic are SupplementFCHI = Flexible Choice Hospital Indemnity AT = Accident Treament = Exp App not availableFCCH = Flexible Choice Cancer and Heart Attack & StrokeCT = Cancer TreatmentIWL = Individual Whole Life (Issue age 50-85; Benefit amount $2k-$25k for all states available)All products insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance 2020 Cigna.

2 Some content provided under license. For agent use only. 11/20/2020 ATIWLNot available1 of 6 Med SuppFCCHFCHICTATIWLMed Supp FCCHFCHICT PRODUCT AVAILABILITY CHARTM edicare Supplement as of 11/9/2020 All PRODUCT and state AVAILABILITY subject to HampshireCaliforniaNew JerseyColoradoNew MexicoConnecticutNew YorkDelawareNorth DakotaFloridaOhioGeorgiaOklahomaHawaiiOr egonIdahoPennsylvaniaIllinoisRhode IslandIndianaSouth CarolinaIowaSouth

3 DakotaKansasTennesseeKentuckyTexasLouisi anaUtahMaineVermontMarylandVirginiaMassa chusettsWashingtonMichiganWest VirginiaMinnesotaWisconsinMississippiWyo mingMissouri1 Multiproduct; Live w/ someone (LWS)/Multiproduct (in PA, LWS = spouse or civil union/domestic partner) = No presale discussionSTD II & III = Standard II and III rates2 No affiliates - must be same company = CPs not includedCP = Customer value-add programs3 CHLIC only4 Check your state's Outline of Coverage for rate class availabilityHHD = Household discount5 Silver&FitTM or Active&FitTM fitness program AVAILABILITY varies per state. Consult each state's brochure or value-added brochure for products insured by American Retirement Life Insurance Company, Cigna Health and Life Insurance Company, Cigna National Health Insurance Company or Loyal American Life Insurance 2020 Cigna.

4 Some content provided under license. For agent use only. CNHICA, B, F, G, NA, F, G, NA, F, G, NCNHIC11/20/20202 of 6 Not availableA, F, HDF, G, N7% 7% A, F, G, NA, F, HDF, G, N7% A, F, G, NNon-standard7%Non-standard 7% A, C, F, HDF, G, N7% A, F, G, NA, F, G, N7%A, F, HDF, G, N7% A, F, HDF, G, N7% A, F, HDF, G, NA, F, G, N7% A, F, HDF, G, N7% A, F, HDF, G, N7% A, F, HDF, G, N7%A, F, G, NA, F, HDF, G, N7%3 A, F, HDF, G, N7% A, F, G, NA, F, HDF, G, N7% A, F, HDF, G, N7%A, F, HDF, G, N7% 6%/15% 6%/15% A, F, G, N7% A, F, HDF, G, N7% 6%/15% A, F, HDF, G, N A, F, HDF, G, N6%/11%A, F, G, N A, F, HDF, G, N7% A, F, HDF, G, N7% A, F, HDF, G, N7%A, F, HDF, G, N3%2 7% A, F, G, N7% A, F, G, NA, F, G, NA, F, HDF, G, N7% A, F, G, N7% A, F.

5 HDF, G, N7% A, F, HDF, G, N6%/15% A, F, G, NA, F, HDF, G, N7% Not availableA, C, D, F, HDF, G, N7% A, F, HDF, G, N6%/11% A, F, HDF, G, N6%/15%2 A, F, G, N7% A, F, HDF, G, N7% A, F, G, NA, F, HDF, G, N7% A, F, G, N7% A, F, G, N7% 7% CP5A, F, G, NA, F, HDF, G, N7% A, F, G, NARLICCHLICLOYALHHD1 STD II & III4 ARLICCHLICLOYALHHD1 STD II & III4CP5 PRODUCT AVAILABILITY CHART Flexible Choice Cancer and Heart Attack & Stroke as of 11/9/2020 All PRODUCT and state AVAILABILITY subject to * * 18-99$5k-$75kMontana * * 18-99$5k-$75kAlaska * * 18-99$5k-$75kNebraska * * 18-99$5k-$75kArizona * * 18-99$5k-$75kNevada * * 18-99$5k-$75kArkansas * * 18-99$5k-$75kNew Hampshire * * 18-99$5k-$100kCalifornia * * 18-64$10k-$75kNew Jersey * * 18-99$5k-$100kColorado * *

6 18-99$5k-$75kNew Mexico * * 18-99$5k-$75kConnecticut * * 18-99$5k-$75kNew YorkDelaware * * 18-99$5k-$75kNorth Carolina * * 18-99$5k-$ 18-99$5k-$75kNorth Dakota * * 18-99$5k-$75kFlorida * * 18-99$5k-$75kOhio * * 18-99$5k-$75kGeorgia 1 18-99 Cancer $5k-$30k Hrt/Stk $5k-$75kOklahoma * * 18-99$5k-$75kHawaii * * 18-99$5k-$75kOregon * * 18-99$5k-$100kIdahoPennsylvania 18-99$5k-$75kIllinois * * 18-99$5k-$75kRhode Island * * 18-99$5k-$75kIndiana * * 18-99$5k-$75kSouth Carolina * * 18-99$25k-$75kIowa * * 18-99$5k-$75kSouth Dakota * * 18-99$5k-$75kKansas * * 18-99$5k-$75kTennessee * * 18-99$5k-$75kKentucky * * 18-99$5k-$100kTexas * * 18-99$5k-$75kLouisiana * * 18-99$5k-$75kUtah * * 18-99$5k-$100kMaine * * 18-99$5k-$75kVermont * * 18-99$5k-$75kMaryland * *

7 18-99$5k-$75kVirginiaMassachusetts 18-99$5k-$100kWashington * * 18-99$25k-$75kMichigan * * 18-99$5k-$75kWest Virginia * * 18-99$5k-$75kMinnesota * * 18-99$5k-$75kWisconsin * * 18-99$5k-$75kMississippi * * 18-99$5k-$75kWyoming 18-99$5k-$75kMissouri * * 18-99$5k-$75k = Express AppCBase = Cancer BaseLSCR = Lump Sum Cancer RiderHICU = Hospital and Intensive Care UnitCBB = Cancer Benefit Builder = Exp App not availableHBase = Heart BaseLSHR = Lump Sum Heart/Stroke RiderROP = Return of PremiumHBB = Heart & Stroke Benefit Builder* = Combo applicationCR = Cancer RecurrenceHI = Hospital IndemnitySD = Specified DiseaseGR = Group Rates1 Only available with HBaseHR = Heart & Stroke RestorationICU = Intensive Care UnitRC = Radiation and ChemotherapyIA = Issue AgeAll products insured by Loyal American Life Insurance = Accident IndemnityBA = Benefit AmountCSB-9-0014 2020 Cigna.

8 Some content provided under license. For agent use only. Not Available3 of 611/20/2020 PRODUCT AVAILABILITY CHARTF lexible Choice Hospital Indemnity (Ages 50-85) as of 11/9/2020 All PRODUCT and state AVAILABILITY subject to HampshireCaliforniaNew JerseyColoradoNew MexicoConnecticutNew YorkDelawareNorth DakotaFloridaOhioGeorgiaOklahomaHawaiiOr egonIdahoPennsylvaniaIllinoisRhode IslandIndianaSouth CarolinaIowaSouth DakotaKansasTennesseeKentuckyTexasLouisi anaUtahMaineVermontMarylandVirginiaMassa chusettsWashingtonMichiganWest VirginiaMinnesotaWisconsinMississippiWyo mingMissouri = Express AppLSCR = Lump Sum Cancer RiderSD = Specified Disease * = First Diagnosis Cancer RiderLSHR = Lump Sum Heart/Stroke RiderAB = Accident BenefitAll products insured by Loyal American Life Insurance 2020 Cigna.

9 Some content provided under license. For agent use only. 11/20/20204 of 6 * Not available Not available Not available Not Available BaseLSCRLSHRSDABBaseLSCRLSHRSDABPRODUCT AVAILABILITY CHARTC ancer Treatment as of 11/9/2020 All PRODUCT and state AVAILABILITY subject to Hampshire18-99 California18-64 New JerseyColorado18-99 New Mexico18-99 Connecticut18-99 New YorkDelaware18-99 North Dakota18-99 Florida18-99 Ohio18-99 Georgia18-99 Oklahoma18-99 Hawaii18-99 Oregon18-99 IdahoPennsylvania18-99 Illinois18-99 Rhode Island18-99 Indiana18-99

10 South Carolina18-99 Iowa18-99 South Dakota18-99 Kansas18-99 Tennessee18-99 Kentucky18-99 Texas18-99 Louisiana18-99 UtahMaine18-99 Vermont18-99 Maryland18-99 VirginiaMassachusettsWashington18-99 Michigan18-99 West Virginia18-99 MinnesotaWisconsin18-99 Mississippi18-99 WyomingMissouri18-99 = Express AppLSCR = Lump Sum Cancer RiderICU = Intensive Care UnitGR = Group Rates = Exp App not availableLSHR = Lump Sum Heart/Stroke RiderHICU = Hospital and Intensive Care UnitIA = Issue AgeHI = Hospital IndemnityROP = Return of PremiumAll products insured by Loyal American Life Insurance 2020 Cigna. Some content provided under license. For agent use only. 5 of 611/20/2020 Not AvailableHIICUROPGRICUHILSHR LSCR BaseBaseGRROPHIICULSCRLSHRHIICU PRODUCT AVAILABILITY CHARTA ccident Treatment as of 11/9/2020 All PRODUCT and state AVAILABILITY subject to Hampshire18-74 California18-64 New Jersey18-64 Colorado18-74 New Mexico18-74 Connecticut18-74 New YorkDelaware18-74 North Dakota18-74 Florida18-74 Ohio18-74 Georgia18-74 Oklahoma18-74 Hawaii18-74 Oregon18-74