The company known as Loyal American Life Insurance has been operating out of Austin, Texas since 1955. In their more than 50 years of experience providing insurance products to customers, the company grew large enough to catch the eye of Cigna within the last 5 years. Loyal American now operates as a subsidiary of the major health & life insurance conglomerate.

Affiliated Brand Names

  • Loyal American
  • Loyal American Life
  • Loyal American Life Insurance Company

Company Highlights

  • Founded in 1955
  • Became a subsidiary of Cigna in recent years
  • Based out of Austin, TX
  • A+ rating from the BBB (Better Business Bureau)

Medicare Plans Offered

Do you already know which type of supplement plan you’re looking for? If so, then that will narrow down your short list of companies by quite a lot. Here’s what you can expect from Loyal American:

Medicare Supplement Plans YES
Medicare Advantage Plans NO
Medicare Part D Drug Plans NO

Loyal American Premium Comparison

You’ll have to get in touch with Loyal American in order to get an exact quote (See below), but in the meantime you can take a look at the graph below. It should give you an idea about how Loyal American compares to average rates across the country.
This Table Represents National Average Costs of Medicare Supplement Plans

Plan Type Starting From Part A Deductible Part B Deductible Excess Nursing Travel
Plan C $118* $0 $0 Not Covered 100% Covered 100% Covered
Plan F $116* $0 $0 100% Covered 100% Covered 100% Covered
Plan G $105* $0 $233 100% Covered 100% Covered 100% Covered
Plan B $104* $0 $233 Not Covered Not Covered Not Covered
Plan N $70* $0 $233 Not Covered 100% Covered 100% Covered
Plan D $97* $0 $233 Not Covered 100% Covered 100% Covered
Plan A $69* $1,556 $233 Not Covered Not Covered Not Covered
Plan L $76* $389 $233 Not Covered 75% Covered Not Covered
Plan K $45* $778 $233 Not Covered 50% Covered Not Covered
Plan M $97* $778 $233 Not Covered 100% Covered 100% Covered

Financial Strength Ratings

Financial strength ratings are much more important than most people realize. If a company isn’t financially sound, then there’s a high likelihood you will have difficulty getting them to pay out claims.

A.M. Best Rating A-
Standard & Poor’s Rating No Rating
Moody’s Rating No Rating

*Ratings as of 2/17/15

Loyal American Video

Loyal American Review

Loyal American Life Insurance enjoyed just a little over fifty years of success as an independent entity before their acquisition by Cigna in recent years. The business address is still listed as residing in Austin, TX. While the parent company may offer a greater variety of Medicare supplement services, Loyal American primarily focuses on Medigap supplement policies.

  • Market Experience
  • Fast Claims Processing
  • Strong Financial Reserves
  • Competitive Rates
  • Customer Satisfaction

How To File A Claim With Loyal American

Telephone Number: 1.866.459.4272

To speak with a person:

  1. Press 2 for claims
  2. Press 2 for policy holders
  3. You will then be transferred to a live customer service representative (but make sure you have proof of identification, such as your name, birthdate, and policy ID# ready)

Company Contact Information

Customer Service:


Mailing Address:

Cigna Supplemental Benefits

P.O. Box 26580

Austin, TX 78755-0580

How To Get A Rate Quote

Customers looking to get a rate quote, or learn more about plans have 2 options:

  • Call a licensed insurance representative at: (833) 972-1339
  • Complete an online quote request at:

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.