Legal disclaimer

Products and Services Provided by CIGNA Corporation and its subsidiaries. "CIGNA®" is a registered service mark of CIGNA Intellectual Property, Inc., licensed for use by CIGNA Corporation and its subsidiaries. CIGNA Corporation is a holding company and is not an insurance or an operating company. Therefore, products and services are provided exclusively by subsidiaries and not by CIGNA Corporation. "CIGNA" may refer to CIGNA Corporation itself or one or more of its subsidiaries, but when used in connection with the provision of a product or service, always refers to a subsidiary. Products and services provided on this website by CIGNA are provided by the following European entities:

- CIGNA Life Insurance Company of Europe S.A.- N.V.

- CIGNA European Services (UK) Ltd

General Disclaimer

All Material is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, CIGNA does not warrant that access to these pages will be uninterrupted or error free. CIGNA does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on these pages. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions. Use of Files

CIGNA does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, non infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will CIGNA be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate CIGNA copyright holder.

Health Information

The health information on this Web site is provided by CIGNA solely for informational purposes as a public service to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. CIGNA assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on this site. Always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations.

Do not rely on information on this site as a tool for self-diagnosis. Information on this web site is provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The information is presented without any warranty as to its reliability, accuracy, timeliness, usefulness or completeness.

The information on this site may be broader than the benefits available through your employer. Any messages, advice, opinions or other information contained in any discussion area should not be construed as professional advice or instruction. The opinions and information expressed are not necessarily those of CIGNA.

Forward-Looking Statements

CIGNA may from time to time contain forward-looking statements that include information about financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. CIGNA cautions the reader that actual results could differ materially from those that CIGNA expects, depending on the outcome of certain factors. In some cases, CIGNA describes uncertainties when offering forward-looking statements. Some factors that could cause CIGNA's actual results to differ materially from forward-looking statements ("Risk Factors") are listed in the most recent Form 10-K or Form 10-Q CIGNA filed with the Securities and Exchange Commission.

CIGNA does not undertake any obligation to correct or update any forward-looking statements on the CIGNA Web site. CIGNA also cautions the reader that the list of Risk Factors that appears in the most recent Form 10-K or Form 10-Q CIGNA filed with the SEC may be modified by any subsequent SEC filings, such as Form 8-K, proxy statements, and other SEC filings. CIGNA will not update the Risk Factors listed in any of CIGNA's SEC filings prior to the next required SEC filing. The list of Risk Factors provided in any of CIGNA's SEC filing may not be complete, and speaks only as of the date filed with the SEC. relevance/ applicability to UK sales?

Limitation of Liability

You agree by accessing these pages that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will CIGNA be liable for damages of any kind occurring from the use of this web site or any information, goods or services obtained on this web site including direct, indirect, consequential, incidental, or punitive damages (even if CIGNA has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.

Changes and Applicable Law

We reserve the right to make changes to these pages and our Legal Disclaimer/Conditions of Use. We encourage you to review the site and these terms periodically for any updates or changes. Your continued access or use of these pages shall be deemed your acceptance of these Legal Disclaimers/Conditions of Use and any changes and the reasonableness of these standards for notice of changes.

Regulatory Information

CIGNA Life Insurance Company of Europe S.A.-N.V., 1 Knowe Road, Greenock, PA15 4RJ is regulated by the Banking, Finance and Insurance Commission, (Commission Bancaire, Financiere et des Assurances – CBFA) of Belgium and is subject to limited regulation by the Financial Services Authority (FSA) for the conduct of insurance business in the UK. Details of the extent of our regulation by the Financial Services Authority are available from us on request. Our FSA register number is 202845.