CIGNA Reports Third Quarter 2009 Results

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* Shareholders` net income1 was $1.19 per share2 in the quarter, compared to
$0.62 per share2 for the same period last year.
* Adjusted income from operations5 was $1.13 per share2, a 27% increase over
third quarter 2008.
* The company continues to estimate full year 2009 earnings per share2, on an
adjusted income from operations5,9 basis, to be in the range of $3.80 to $4.00
per share2.
* The company now estimates full year 2009 adjusted income from operations5,9
for the Health Care segment to be in the range of $700 million to $750 million.

PHILADELPHIA--(Business Wire)--
CIGNA Corporation (NYSE: CI) today reported shareholders` net income1 of $329
million, or $1.19 per share2, for the third quarter of 2009 compared with
shareholders` net income1 of $171 million, or $0.62 per share2, for the same
period last year. Shareholders` net income1 for the third quarter 2009 included
income related to the variable annuity products3 within our Run-off Reinsurance
segment of $16 million after-tax, or $0.06 per share2, primarily related to
favorable performance in the equity markets. Shareholders` net income1 for the
third quarter 2008 included losses of $133 million after-tax, or $0.47 per
share2, related to the variable annuity products3 within our Run-off Reinsurance
segment.

CIGNA's adjusted income from operations5 for the third quarter of 2009 was $311
million, or $1.13 per share2, compared to adjusted income from operations5 of
$246 million, or $0.89 per share2, for the same period last year. Third quarter
2008 results included losses of $72 million after-tax, or $0.25 per share2, from
the Variable Annuity Death Benefits (VADBe) business. As a result of continued
stability in the equity markets, no reserve strengthening was required for the
VADBe business in the third quarter of 2009.

"Our third quarter 2009 earnings were solid and reflect our continued focus on
ongoing operating effectiveness initiatives to drive strong service delivery and
further reduce expenses, particularly in our Health Care business," said H.
Edward Hanway, Chairman and Chief Executive Officer of CIGNA Corporation. "We
remain committed to creating value for our customers, as we continue to pursue
our mission to improve the health, well-being, and sense of security of the
people we serve."

CONSOLIDATED HIGHLIGHTS

The following is a reconciliation of adjusted income from operations5 to
shareholders` net income1 (after-tax; dollars in millions, except per share
amounts):

Three months ended Nine months ended
Sept. 30, Sept. 30, June 30, Sept. 30,
2009 2008 2009 2009

Adjusted income from operations5 $ 311 $ 246 $ 313 $ 812
Net realized investment gains (losses), net of taxes 9 (15) (9) (24)
GMIB results3, net of taxes 16 (61) 110 149
Special items4, net of taxes (7) - 21 34
Shareholders` income1 from continuing operations $ 329 $ 170 $ 435 $ 971
Shareholders` income (losses)1 from discontinued operations6 - 1 - 1
Shareholders` net income1 $ 329 $ 171 $ 435 $ 972

Adjusted income from operations5, per share2 $ 1.13 $ 0.89 $ 1.14 $ 2.96
Shareholders` income1 from continuing operations, per share2 $ 1.19 $ 0.62 $ 1.58 $ 3.54
Shareholders` net income1, per share2 $ 1.19 $ 0.62 $ 1.58 $ 3.54

* Consolidated revenues were $4.5 billion for the third quarter of 2009 and $4.9
billion for the third quarter of 2008.
* Health care medical claims payable7 were approximately $735 million at
September 30, 2009 and $713 million at December 31, 2008.
* Cash and short term investments at the parent company were approximately $210
million at September 30, 2009 and $90 million at December 31, 2008.

HIGHLIGHTS OF SEGMENT RESULTS

* "Adjusted segment earnings (loss)" are adjusted income (loss) from
operations5, as applicable, for each segment (see Exhibit 2).

Health Care

* This segment includes medical and specialty health care products and services
provided on guaranteed cost, retrospectively experience-rated and service-only
funding bases. Specialty health care includes behavioral, dental, disease
management, stop-loss, and pharmacy-related products and services.

Financial Results (dollars in millions, medical membership in thousands):

Third Qtr. Third Qtr. Second Qtr. Nine months ended
2009 2008 2009 Sept. 30, 2009

Adjusted Segment Earnings, After-Tax $ 204 $ 187 $ 177 $ 535
Premiums and Fees $ 2,812 $ 2,991 $ 2,855 $ 8,578
Segment Margin, After-Tax8 6.3% 5.5% 5.4% 5.4%

Aggregate Medical Membership 11,104 11,900 11,189

* Third quarter 2009 adjusted segment earnings reflect effective operating
expense management tempered by medical cost pressure on our guaranteed cost book
of business. Results reflect sustained contributions from the specialty
businesses.
* Premiums and fees in the third quarter 2009 decreased approximately 6%
relative to third quarter 2008 primarily due to a decline in medical membership,
partially offset by rate increases.

Disability and Life

* This segment includes CIGNA`s group disability, life, and accident insurance
operations that are managed separately from the health care business.

Financial Results (dollars in millions):

Third Qtr. Third Qtr. Second Qtr. Nine months ended
2009 2008 2009 Sept. 30, 2009

Adjusted Segment Earnings, After-Tax $ 65 $ 70 $ 90 $ 213
Premiums and Fees $ 654 $ 627 $ 661 $ 1,987
Segment Margin, After-Tax8 8.7% 9.7% 12.0% 9.4%

* Third quarter 2009 adjusted segment earnings continue to reflect competitively
strong margins driven by the sustained value we deliver to our customers from
our disability management programs. Second quarter 2009 results include a net
favorable impact of $20 million after-tax related to a reserve study.

International

* This segment includes CIGNA`s life, accident and supplemental health insurance
and expatriate benefits businesses operating in select international markets.

Financial Results (dollars in millions):

Third Qtr. Third Qtr. Second Qtr. Nine months ended
2009 2008 2009 Sept. 30, 2009

Adjusted Segment Earnings, After-Tax $ 40 $ 44 $ 63 $ 144
Premiums and Fees $ 482 $ 471 $ 462 $ 1,378
Segment Margin, After-Tax8 8.0% 8.8% 13.0% 10.0%

* Adjusted segment earnings in the quarter reflect the impact of global economic
pressures, which included unfavorable claims experience. Our International
business continues to deliver competitively strong margins. Second quarter 2009
results include a favorable adjustment of $14 million related to the
implementation of a capital management strategy which reduces our effective tax
rate for future periods.

Other Segments

* Adjusted segment earnings (losses) for CIGNA's remaining operations are
presented below (after-tax, dollars in millions):

Third Qtr. Third Qtr. Second Qtr. Nine months ended
2009 2008 2009 Sept. 30, 2009
Run-off Reinsurance $ 14 $ (44) $ 2 $ (33)
Other Operations $ 23 $ 20 $ 21 $ 62
Corporate $ (35) $ (31) $ (40) $ (109)

* Run-off Reinsurance results for the third quarter 2009 reflect favorable claim
development in the workers compensation and personal accident businesses. As a
result of continued stability in the equity markets, no reserve strengthening
was required for the VADBe business this quarter.

OUTLOOK

* CIGNA currently estimates full year 2009 consolidated adjusted income from
operations5,9 to be in the range of $1.04 billion to $1.10 billion, or $3.80 to
$4.00 per share2. This outlook includes an assumption that VADBe results will be
approximately break-even for the remaining three months of 2009, reflective of
management`s view that the long-term reserve assumptions are appropriate and
that capital markets remain stable over the balance of the year.
* CIGNA currently estimates full year 2009 adjusted income from operations5,9
for the Health Care segment to be in the range of $700 million to $750 million.
* CIGNA`s earnings and earnings per share2 outlooks exclude the impact of any
future stock repurchase10.
* Full year 2009 medical membership is expected to decline by approximately 5%
to 5.5%.
* Management will provide additional information about the 2009 earnings outlook
and discuss the 2010 earnings outlook on CIGNA's third quarter 2009 earnings
call.

The foregoing statements represent management`s current estimate of CIGNA's 2009
consolidated and Health Care segment adjusted income from operations5,9 as of
the date of this release. Actual results may differ materially depending on a
number of factors, and investors are urged to read the Cautionary Statement
included in this release for a description of those factors. Management does not
assume any obligation to update these estimates.

This quarterly earnings release and the Quarterly Statistical Supplement
inclusive of the Investment Supplement are available on CIGNA`s website in the
Investor Relations, Most Recent Disclosures section
(http://www.cigna.com/about_us/investor_relations/recent_disclosures.html). A
link to the conference call, on which management will review third quarter 2009
results and discuss full year 2009 and 2010 outlook is available in the Investor
Relations, Event Calendar section of CIGNA`s website
(http://www.cigna.com/about_us/investor_relations/events.html).

Notes:

1.Effective January 1, 2009, CIGNA adopted the Financial Accounting Standards
Board`s (FASB`s) updated consolidation guidance on accounting for noncontrolling
interests (ASC 810-10), which requires income attributable to noncontrolling
interests to be included in income from continuing operations, income from
discontinued operations, and net income, but then be subtracted out to determine
shareholders` income from continuing operations, shareholders` income from
discontinued operations, and shareholders` net income.

2.Earnings per share (EPS) are on a diluted basis. Effective January 1, 2009,
CIGNA adopted the FASB`s updated earnings per share guidance (ASC 260-10) which
requires unvested restricted stock awards that contain rights to non-forfeitable
dividends to be included in both basic and diluted earnings per share
calculations.Prior period earnings per share data have been restated to reflect
the adoption of this guidance.

3.The application of the FASB`s fair value disclosure and measurement guidance
(ASC 820-10), which impacts reinsurance contracts covering GMIB, does not
represent management's expectation of the ultimate payout.Changes in underlying
contract holder account values, interest rates, stock market volatility, and
other factors may result in changes to the fair value assumptions, and/or amount
that will be required to ultimately settle the Company`s obligations, which
could result in a material adverse or favorable impact on the Run-off
Reinsurance segment and CIGNA's results of operations.

4.Special items included in shareholders` net income and segment earnings
(loss), but excluded from adjusted income (loss) from operations, adjusted
segment earnings, and the calculation of segment margins are:

Third Quarter 2009

* After-tax charge of $7 million related to CIGNA's previously announced cost
reduction plan.

Second Quarter 2009

* After-tax benefit of $30 million related to the decision to freeze the CIGNA
Pension Plan and CIGNA Supplemental Pension Plan, effective July 1, 2009.
* After-tax charge of $9 million related to CIGNA's previously announced cost
reduction plan.

Nine months ended September 30, 2009

* After-tax benefit of $20 million related to completion of an IRS examination
and after-tax benefit of $30 million related to the decision to freeze the CIGNA
Pension Plan and CIGNA Supplemental Pension Plan, effective July 1, 2009,
partially offset by after-tax charge of $16 million related to CIGNA's cost
reduction plan.

5.CIGNA measures the financial results of its segments using Segment Earnings
(Loss), which is defined as shareholders` income (loss) from continuing
operations before net realized investment results.Adjusted income (loss) from
operations is defined as segment earnings excluding special items (which are
identified and quantified in Note 4) and excludes results of CIGNA's GMIB
business.Adjusted income (loss) from operations is a measure of profitability
used by CIGNA`s management because it presents the underlying results of
operations of CIGNA`s businesses and permits analysis of trends in underlying
revenue, expenses and shareholders` net income.This measure is not determined in
accordance with generally accepted accounting principles (GAAP) and should not
be viewed as a substitute for the most directly comparable GAAP measures, which
are segment earnings (loss), shareholders` income from continuing operations,
and shareholders` net income.See Exhibit 2 for a reconciliation of adjusted
income (loss) from operations to segment earnings (loss), shareholders` income
from continuing operations, and consolidated shareholders` net income.

6.The discontinued operations included in shareholders` net income are:

Third Quarter 2008 and Nine months ended September 30, 2009

* Primarily due to after-tax benefit of $1 million related to past
divestitures.

7.Health care medical claims payable are presented net of reinsurance and other
recoverables.The gross health care medical claims payable balance was $932
million as of September 30, 2009 and $924 million as of December 31, 2008.

8.Segment margins in this press release are calculated by dividing adjusted
segment earnings by segment revenues.Segment margins including special items for
Health Care were 6.2% for the three months ended September 30, 2009, 5.9% for
the three months ended June 30, 2009, and 5.6% for the nine months ended
September 30, 2009.Segment margins including special items for Disability and
Life were 8.6% for the three months ended September 30, 2009, 12.4% for the
three months ended June 30, 2009, and 9.8% for the nine months ended September
30, 2009.Segment margins including special items for International were 7.6% for
the three months ended September 30, 2009, 13.2% for the three months ended June
30, 2009, and 10.0% for the nine months ended September 30, 2009.

9.Information is not available for management (1) to reasonably estimate future
net realized investment gains (losses) or (2) to reasonably estimate future GMIB
business results due in part to interest rate and stock market volatility and
other internal and external factors; therefore it is not possible to provide a
forward-looking reconciliation of adjusted income from operations to
shareholders` income from continuing operations.Special items for the remainder
of 2009 may include potential charges associated with the previously announced
cost reduction plan as well as litigation related items.Information is not
available for management to identify, other than this item, or reasonably
estimate additional 2009 special items.

10.Repurchases may from time to time be made pursuant to written trading plans
under Rule 10b5-1, which permit shares to be repurchased when CIGNA might
otherwise be precluded from doing so under insider trading laws or because of
self-employed trading blackout periods.

CAUTIONARY STATEMENT FOR PURPOSES OF THE "SAFE HARBOR" PROVISIONS OF THE PRIVATE
SECURITIES LITIGATION REFORM ACT OF 1995

The Company and its representatives may from time to time make written and oral
forward-looking statements, including statements contained in press releases, in
the Company`s filings with the Securities and Exchange Commission, in its
reports to shareholders and in meetings with analysts and investors.
Forward-looking statements may contain information about financial prospects,
economic conditions, trends and other uncertainties. These forward-looking
statements are based on management`s beliefs and assumptions and on information
available to management at the time the statements are or were made.
Forward-looking statements include but are not limited to the information
concerning possible or assumed future business strategies, financing plans,
competitive position, potential growth opportunities, potential operating
performance improvements, trends and, in particular, the Company`s productivity
initiatives, litigation and other legal matters, operational improvement in the
health care operations, and the outlook for the Company`s full year 2009 and
2010 results. Forward-looking statements include all statements that are not
historical facts and can be identified by the use of forward-looking terminology
such as the words "believe", "expect", "plan", "intend", "anticipate",
"estimate", "predict", "potential", "may", "should" or similar expressions.

You should not place undue reliance on these forward-looking statements. The
Company cautions that actual results could differ materially from those that
management expects, depending on the outcome of certain factors. Some factors
that could cause actual results to differ materially from the forward-looking
statements include:

1. increased medical costs that are higher than anticipated in establishing premium rates in the Company`s Health Care operations, including increased use and costs of
medical services;

2. increased medical, administrative, technology or other costs resulting from new legislative and regulatory requirements imposed on the Company`s employee benefits
businesses;

3. challenges and risks associated with implementing operational improvement initiatives and strategic actions in the ongoing operations of the businesses, including those
related to: (i) offering products that meet emerging market needs, (ii) strengthening underwriting and pricing effectiveness, (iii) strengthening medical cost and medical
membership results, (iv) delivering quality member and provider service using effective technology solutions, (v) lowering administrative costs and (vi) transitioning to
an integrated operating company model, including operating efficiencies related to the transition;

4. risks associated with pending and potential state and federal class action lawsuits, disputes regarding reinsurance arrangements, other litigation and regulatory actions
challenging the Company`s businesses, government investigations and proceedings, and tax audits and related litigation;

5. heightened competition, particularly price competition, which could reduce product margins and constrain growth in the Company`s businesses, primarily the Health Care
business;

6. risks associated with the Company`s mail order pharmacy business which, among other things, includes any potential operational deficiencies or service issues as well as
loss or suspension of state pharmacy licenses;

7. significant changes in interest rates and deterioration in the loan to value ratios of commercial real estate investments for a sustained period of time;

8. downgrades in the financial strength ratings of the Company`s insurance subsidiaries, which could, among other things, adversely affect new sales, retention of current
business as well as a downgrade in financial strength ratings of reinsurers which could result in increased statutory reserve or capital requirements;

9. limitations on the ability of the Company`s insurance subsidiaries to dividend capital to the parent company as a result of downgrades in the subsidiaries` financial
strength ratings, changes in statutory reserve or capital requirements or other financial constraints;

10. inability of the program adopted by the Company to substantially reduce equity market risks for reinsurance contracts that guarantee minimum death benefits under certain
variable annuities (including possible market difficulties in entering into appropriate futures contracts and in matching such contracts to the underlying equity risk);

11. adjustments to the reserve assumptions (including lapse, partial surrender, mortality, interest rates and volatility) used in estimating the Company`s liabilities for
reinsurance contracts covering guaranteed minimum death benefits under certain variable annuities;

12. adjustments to the assumptions (including annuity election rates and amounts collectible from reinsurers) used in estimating the Company`s assets and liabilities for
reinsurance contracts covering guaranteed minimum income benefits under certain variable annuities;

13. significant stock market declines, which could, among other things, result in increased expenses for guaranteed minimum income benefit contracts, guaranteed minimum death
benefit contracts and the Company`s pension plans in future periods as well as the recognition of additional pension obligations;

14. unfavorable claims experience related to workers` compensation and personal accident exposures of the run-off reinsurance business, including losses attributable to the
inability to recover claims from retrocessionaires;

15. significant deterioration in economic conditions and significant market volatility, which could have an adverse effect on the Company`s operations, investments, liquidity
and access to capital markets;

16. significant deterioration in economic conditions and significant market volatility, which could have an adverse effect on the businesses of our customers (including the
amount and type of health care services provided to their workforce, loss in workforce and our customers' ability to pay receivables) and our vendors (including their
ability to provide services);

17. changes in public policy and in the political environment, which could affect state and federal law, including legislative and regulatory proposals related to health care
issues (including health care reform legislation that could include, among other items, a broad based public sector alternative and/or alternative assessments and tax
increases specific to the Company`s industry), which could increase cost and affect the market for the Company`s health care products and services; and amendments to
income tax laws, which could affect the taxation of employer provided benefits and certain insurance products such as corporate-owned life insurance;

18. potential public health epidemics, pandemics and bio-terrorist activity, which could, among other things, cause the Company`s covered medical and disability expenses,
pharmacy costs and mortality experience to rise significantly, and cause operational disruption, depending on the severity of the event and number of individuals
affected;

19. risks associated with security or interruption of information systems, which could, among other things, cause operational disruption;

20. challenges and risks associated with the successful management of the Company`s outsourcing projects or key vendors, including the agreement with IBM for provision of
technology infrastructure and related services;

21. the ability to successfully integrate and operate the businesses acquired from Great-West by, among other things, renewing insurance and administrative services contracts
on competitive terms, retaining and growing membership, realizing revenue, expense and other synergies, successfully leveraging the information technology platform of the
acquired businesses, and retaining key personnel; and

22. the ability of the Company to execute its growth plans by successfully managing Great-West Healthcare`s outsourcing projects and leveraging the Company's capabilities and
those of the businesses acquired from Great-West to further enhance the combined organization`s network access position, underwriting effectiveness, delivery of quality
member and provider service, and increased penetration of its membership base with differentiated product offerings.

This list of important factors is not intended to be exhaustive. Other sections
of the Company`s most recent Annual Report on Form 10-K, including the "Risk
Factors" section, the Quarterly Reports on Form 10-Q for the quarters ended
March 31, 2009 and June 30, 2009, and other documents filed with the Securities
and Exchange Commission include both expanded discussion of these factors and
additional risk factors and uncertainties that could preclude the Company from
realizing the forward-looking statements. The Company does not assume any
obligation to update any forward-looking statements, whether as a result of new
information, future events or otherwise, except as required by law.

Exhibit 1
CIGNA CORPORATION
COMPARATIVE SUMMARY OF FINANCIAL RESULTS (unaudited)
(Dollars in millions, except per share amounts)

Three Months Ended Nine Months Ended
September 30, September 30,
2009 2008 2009 2008

REVENUES

Premiums and fees $ 3,985 $ 4,128 $ 12,049 $ 12,197
Net investment income 263 272 752 802
Mail order pharmacy revenues 316 300 944 882
Other revenues (1) (61) 175 73 431
Net realized investment gains (losses) 14 (23) (40) (28)

Total $ 4,517 $ 4,852 $ 13,778 $ 14,284

ADJUSTED INCOME (LOSS) FROM OPERATIONS (2)

Health Care $ 204 $ 187 $ 535 $ 506
Disability and Life 65 70 213 211
International 40 44 144 144
Run-off Reinsurance 14 (44) (33) (30)
Other Operations 23 20 62 64
Corporate (35) (31) (109) (81)

Total $ 311 $ 246 $ 812 $ 814

SHAREHOLDERS' NET INCOME

Segment Earnings (Loss)
Health Care (3) (4) (5) (6) $ 200 $ 187 $ 549 $ 482
Disability and Life (3) (4) (5) 64 70 220 211
International (3) (4) (5) 38 44 144 144
Run-off Reinsurance (7) 30 (105) 116 (252)
Other Operations (5) 23 20 63 64
Corporate (5) (6) (35) (31) (97) (133)

Total 320 185 995 516
Net realized investment gains (losses), net of taxes 9 (15) (24) (18)

Shareholders' income from continuing operations 329 170 971 498
Shareholders' income from discontinued operations - 1 1 3

Shareholders' net income $ 329 $ 171 $ 972 $ 501

DILUTED EARNINGS PER SHARE (8):

Adjusted income from operations (2) $ 1.13 $ 0.89 $ 2.96 $ 2.90
Results of guaranteed minimum income benefits business, after-tax (7) 0.06 (0.22) 0.55 (0.79)
Net realized investment gains (losses), net of taxes 0.03 (0.05) (0.09) (0.07)
Special item(s), after-tax (3) (4) (5) (6) (0.03) - 0.12 (0.27)
Shareholders' income from continuing operations 1.19 0.62 3.54 1.77
Shareholders' income from discontinued operations - - - 0.01

Shareholders' net income $ 1.19 $ 0.62 $ 3.54 $ 1.78
Weighted average shares (in thousands) (8) 276,130 276,806 274,691 280,947

SHAREHOLDERS' EQUITY at September 30: $ 5,157 $ 4,642

SHAREHOLDERS' EQUITY PER SHARE at September 30: $ 18.86 $ 17.05

(1) Includes pre-tax losses of $161 million for the third quarter of 2009 and
$232 million for the nine months of 2009 and pre-tax gains of $70 million for
the third quarter of 2008 and $118 million for the nine months of 2008 from
futures contracts entered into as part of a dynamic hedge program to manage
equity risks in CIGNA's run-off reinsurance operations. CIGNA recorded
corresponding offsets in benefits and expenses to adjust liabilities for
reinsured guaranteed minimum death benefit contracts.

(2)Adjusted income (loss) from operations is segment earnings (loss)
(shareholders' income (loss) from continuing operations before net realized
investment gains (losses)) excluding results of CIGNA's guaranteed minimum
income benefits business and special items. See Exhibit 2 for a detailed
reconciliation of adjusted income (loss) from operations to segment earnings
(loss), shareholders' income from continuing operations and shareholders' net
income presented in accordance with generally accepted accounting principles.

(3) The nine months ended September 30, 2009 reflect apre-tax curtailment
benefit of $46 million ($30 million after-tax) resulting from the freeze of
CIGNA's pension plans.

- Pre-tax benefit of $39 million ($25 million after-tax) in Health Care; pre-tax
benefit of $6 million ($4 million after-tax) in Disability and Life; and pre-tax
benefit of $1 million ($1 million after-tax) in International.

(4) The nine months ended September 30, 2009 include a pre-tax charge of $10
million ($7 million after-tax) for the third quarter of 2009 and a pre-tax
charge of $14 million ($9 million after-tax) for the second quarter of 2009
related to the previously announced cost reduction plan.

- Pre-tax charge of $7 million ($4 million after-tax) in Health Care, a pre-tax
charge of $1 million ($1 million after-tax) in Disability and Life, and a
pre-tax charge of $2 million ($2 million after-tax) in International for the
third quarter of 2009.

- Pre-tax charge of $13 million ($8 million after-tax) in Health Care and a
pre-tax charge of $1 million ($1 million after-tax) in Disability and Life for
the second quarter of 2009.

(5) The nine months ended September 30, 2009 include a net tax benefit of $20
million resulting from the completion of the 2005 and 2006 IRS examinations.

-After-tax benefit of $1 million in Health Care; after-tax benefit of $5 million
in Disability and Life;after-tax benefit of $1 million in International;
after-tax benefit of $1 million in Other Operations; and an after-tax benefit of
$12 million in Corporate.

(6) The nine months ended September 30, 2008include a pre-tax charge of $80
million ($52 million after-tax) in Corporate for the second quarter of 2008 and
a pre-tax charge of $37 million ($24 million after-tax) in Health Carefor the
first quarter of 2008, both of which related to litigation matters.

(7) The nine months ended September 30, 2008 include a pre-tax charge of $202
million ($131 million after-tax) on the adoption of FASB's fair value disclosure
and measurement guidance (ASC 820) for guaranteed minimum income benefit
contracts.

(8) Weighted average shares outstanding will be impacted by the following
factors:

1. The accounting change related to earnings per share guidance (ASC 260)
effective January 1, 2009 which requires unvested restricted stock with
non-forfeitable dividends to be treated as outstanding common shares.

2. Higher common stock equivalents when CIGNA's stock price increases and
exceeds the exercise price of its employees' outstanding stock options.

CIGNA CORPORATION
SUPPLEMENTAL FINANCIAL INFORMATION (unaudited) Exhibit 2
RECONCILIATION OF ADJUSTED INCOME FROM OPERATIONS TO GAAP SHAREHOLDERS' NET INCOME
(Dollars in millions, except per share amounts)

Diluted
Earnings Disability Run-off Other
Per Share (1)(8) Consolidated Health Care & Life International Reinsurance Operations Corporate
Quarterly Results: 3Q09 3Q08 2Q09 3Q09 3Q08 2Q09 3Q09 3Q08 2Q09 3Q09 3Q08 2Q09 3Q09 3Q08 2Q09 3Q09 3Q08 2Q09 3Q09 3Q08 2Q09 3Q09 3Q08 2Q09

Adjusted income (loss) from operations (2) $ 1.13 $ 0.89 $ 1.14 $ 311 $ 246 $ 313 $ 204 $ 187 $ 177 $ 65 $ 70 $ 90 $ 40 $ 44 $ 63 $ 14 $ (44) $ 2 $ 23 $ 20 $ 21 $ (35) $ (31) $ (40)

Results of guaranteed minimum income benefits business, excluding charge on adoption of fair value measurements 0.06 (0.22) 0.40 16 (61) 110 - - - - - - - - - 16 (61) 110 - - - - - -

Special item(s), after-tax:
Curtailment benefit (3) - - 0.11 - - 30 - - 25 - - 4 - - 1 - - - - - - - - -
Charge for cost reduction plan (4) (0.03) - (0.04) (7) - (9) (4) - (8) (1) - (1) (2) - - - - - - - - - - -

Segment earnings (loss) (2) 1.16 0.67 1.61 320 185 444 $ 200 $ 187 $ 194 $ 64 $ 70 $ 93 $ 38 $ 44 $ 64 $ 30 $ (105) $ 112 $ 23 $ 20 $ 21 $ (35) $ (31) $ (40)
Net realized investment gains (losses), net of taxes 0.03 (0.05) (0.03) 9 (15) (9)
Shareholders' income from continuing operations (7) 1.19 0.62 1.58 329 170 435
Shareholders' income from discontinued operations - - - - 1 -
Shareholders' net income (7) $ 1.19 $ 0.62 $ 1.58 $ 329 $ 171 $ 435

Diluted
Earnings Disability Run-off Other
Per Share (1)(8) Consolidated Health Care & Life International Reinsurance Operations Corporate
Nine Months Ended September 30, 2009 2008 2009 2008 2009 2008 2009 2008 2009 2008 2009 2008 2009 2008 2009 2008

Adjusted income (loss) from operations (2) $ 2.96 $ 2.90 $ 812 $ 814 $ 535 $ 506 $ 213 $ 211 $ 144 $ 144 $ (33) $ (30) $ 62 $ 64 $ (109) $ (81)

Results of guaranteed minimum income benefits business, after-tax:
Charge on adoption of fair value measurements - (0.47) - (131) - - - - - - - (131) - - - -
Results of guaranteed minimum income benefits business, excluding charge on adoption of fair value measurements 0.55 (0.32) 149 (91) - - - - - - 149 (91) - - - -
Total 0.55 (0.79) 149 (222) - - - - - - 149 (222) - - - -

Special item(s), after-tax:
Curtailment benefit (3) 0.11 - 30 - 25 - 4 - 1 - - - - - - -
Charge for cost reduction plan (4) (0.06) - (16) - (12) - (2) - (2) - - - - - - -
Completion of IRS examination (5) 0.07 - 20 - 1 - 5 - 1 - - - 1 - 12 -
Charge associated with litigation matters (6) - (0.27) - (76) - (24) - - - - - - - - - (52)

Segment earnings (loss) (2) 3.63 1.84 995 516 $ 549 $ 482 $ 220 $ 211 $ 144 $ 144 $ 116 $ (252) $ 63 $ 64 $ (97) $ (133)
Net realized investment losses, net of taxes (0.09) (0.07) (24) (18)
Shareholders' income from continuing operations (7) 3.54 1.77 971 498
Shareholders' income from discontinued operations - 0.01 1 3
Shareholders' net income (7) $ 3.54 $ 1.78 $ 972 $ 501

(1) All earnings per share figures reflect the adoption of the FASB's updated
earnings per share guidance (ASC 260), which requires non-vested restricted
stock grants with non-forfeitable dividend rights to be included in weighted
average shares outstanding.

(2) CIGNA measures the financial results of its segments using "segment earnings
(loss)," which is defined as shareholders' income (loss) from continuing
operations before net realized investment gains (losses). Adjusted income (loss)
from operations is defined as segment earnings excluding special items and
results of CIGNA's guaranteed minimum income benefit business.

(3) The nine months ended September 30, 2009 reflect a pre-tax curtailment
benefit of $46 million ($30 million after-tax) resulting from the freeze of
CIGNA's pension plans.

(4) The nine months ended September 30, 2009 include a pre-tax charge of $10
million ($7 million after-tax) for the third quarter of 2009 and a pre-tax
charge of $14 million ($9 million after-tax) for the second quarter of 2009
related to the previously announced cost reduction plan.

(5) The nine months ended September 30, 2009 include a net tax benefit of $20
million resulting from the completion of the 2005 and 2006 IRS examinations.

(6) The nine months ended September 30, 2008 include a pre-tax charge of $80
million ($52 million after-tax) in Corporate for the second quarter of 2008 and
a pre-tax charge of $37 million ($24 million after-tax) in Health Care for the
first quarter of 2008, both of which related to litigation matters.

(7) Shareholders' income (loss) from continuing operations and shareholders' net
income (loss) are presented in accordance with generally accepted accounting
principles (GAAP). Effective January 1, 2009, CIGNA adopted the FASB's updated
consolidation guidance (ASC 810), which requires income attributable to
noncontrolling interests to be included in net income, but then subtracted to
determine "shareholders' net income."

(8) Weighted average shares outstanding will be impacted by the following
factors:

1. The accounting change related to earnings per share guidance (ASC 260)
effective January 1, 2009 which requires unvested restricted stock with
non-forfeitable dividends to be treated as outstanding common shares.

2. Higher common stock equivalents when CIGNA's stock price increases and
exceeds the exercise price of its employees' outstanding stock options.

CIGNA Corporation
Ted Detrick, Investor Relations - (215) 761-1414
or
Chris Curran, Media Relations - (215) 470-2414

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