Cigna 2008 Annual Report Download - page 6

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LETTER TO OUR SHAREHOLDERS
4
We aspire to be the
best at listening to,
understanding, and
helping individuals
improve their health.
is, we can combine and integrate a wide range of health services and products to design
personalized health care programs that are specifi c to the needs of every individual –
programs that improve health and wellness and give people a real sense of security. This
is a signifi cant competitive advantage for us.
CIGNA Group Insurance – our disability, life and accident insurance operation posted
earnings of $273 million – 7 percent more than 2007. The increase is primarily attributable
to our skill and experience in disability management. Our Group Insurance team consistently
leads the industry in helping people with disabilities return to work and full productivity
quickly and cost-effectively, an assertion validated by independent studies.
Despite the impact of a poor economy, Group Insurance premiums and fees grew year-over-
year, with strong margins compared to the competition.
CIGNA International recorded another strong performance as well, with competitively
strong margins on earnings of $182 million – 3 percent higher than earnings for full-year
2007. International’s results refl ect the continued growth of our supplemental health, life