Life and Accident Insurance Finally CIGNA also has life insurance and accident in their area of Affinity. In this case, instead of ensuring employees of companies, schools to make sure customers who want to take out insurance with CIGNA through a company with which the policyholder has affinity. CIGNA n this case acts as a white label. This type of activity came after an agreement with American Express to provide insurance to their cardholders. The insurance offered to the customer can be extremely varied: dental insurance for hospitalization in case of accident, hospitalization, death, death in the event of accident, diagnosis of critical illness, payment protection, funeral services, etc..