Well Being

The environment

In recent months, we have accelerated our sustainability efforts in several specific areas of the Company.

Facilities/Real Estate

CIGNA has taken energy saving and waste reduction measures, including identifying vacant space to consolidate existing operations, pursuing consolidation into newer and more energy-efficient buildings, and renovating existing space to maximize energy efficiency.

• CIGNA continues to regularly update energy management and heating, ventilation and air-conditioning systems at our owned and leased sites with newer, more energy-efficient systems.
• Multiple Dallas-area facilities were consolidated into a single LEED-certified building - our first LEED construction!
• Where possible, existing building renovation projects are undertaken to meet LEED standards.
• Our national janitorial contract mandates the use of green cleaning products.
• Bottled water coolers have been replaced with under-the-sink water filtration systems in many locations.
• Where possible, we use recycled building materials and building products in new construction/renovation projects.
• Low -VOC materials are employed for better indoor air quality.
• We've obtained Energy Star Certification for multiple facilities and we continue to pursue Energy Star Certifications for additional locations.
• Energy Star products, efficient lighting solutions, lighting system motion sensors, reflective roofing, variable frequency drives, touchless sinks, waterless urinals and low-flow plumbing fixtures are installed wherever possible.
• Recycling programs are implemented at all possible facilities.

Information Technology

We employ virtual server technologies, which lower energy utilization through the reduction in the number of servers. 73 energy-efficient servers now do the same work that would have required 1,000+ servers previously.

• Virtual Desktops are replacing traditional physical desktops. Over 3,700 virtual desktops exist today and going forward, all of CIGNA's new installations will be virtualized.
• CIGNA was named to the "Global Green 100" list by The Uptime Institute, which highlights the Fortune 500 and InformationWeek 500 companies that have demonstrated a commitment to energy efficiency and carbon footprint reduction in IT and data center operations. The Uptime Institute is a research think tank and advisor to owners and operators of the world's largest enterprise data centers.
• CIGNA's equipment disposal broker has a zero landfill policy for CIGNA's electronic equipment. Annually, we remarket or recycle over 18,000 devices.
• CIGNA's laptop, desktop and monitor standards are certified by the Electronic Product Environmental Assessment Tool at the silver and gold levels.
• CIGNA's wireless policy includes the redeployment of inventory surplus as well as the enforcement of device consolidation.
• At our Windsor, CT data center, an alternative HVAC project enables CIGNA to shut off HVAC systems when outside air is cool enough to be used instead. Energy Management Systems (EMS) have been upgraded to program and control HVAC throughout the buildings and motion sensors installed in common areas to turn lights on/off.
• CIGNA employs an extensive electronic claim management system, which handles more than 70 million claims annually.
• All network printers are set to default to double-sided printing. Networked multi-function printers are leveraged at several sites.

Printing

Approximately 20 million paperless transactions are executed per year through online portals for individuals, employers and health care professionals.

• CIGNA reduced the number of health care facilities and professional directories from 17.8 million copies in 2001 to less than 3 million today.
• Recycled office paper is used throughout CIGNA operations for directories and several collateral products and for standard office paper. More than 4 million pounds of office paper is recycled annually.
• Desktop fax technology is used within certain operations, reducing the need to print outgoing faxes or receive unnecessary paper via fax.
• Purchased toners and print cartridges are made from remanufactured products, and used toner cartridges are recycled.

Transportation

• CIGNA maintains an active telecommuting program with more than 5,000 employees working full-time from their homes, and many more telecommuting or using flexible work arrangements as available.
• CIGNA partners with WageWorks and Zimride to offer ore-tax benefits for mass transportation and ridesharing alternatives to our employees.
• Video teleconferencing options are available in multiple offices to reduce travel.
• CIGNA can inform travelers about their travel carbon footprint and report on carbon footprint from business travels through our travel partner, CarlsonWagonlit. Online booking for Amtrak and side-by-side schedule search capabilities for air/rail are available to encourage rail transit.

Additional areas of focus

CIGNA formed a cross-functional voluntary "green team" called Green STEPS (Sustainability Team for Environmental Protection and Stewardship) consisting of over 200 site and functional leads throughout the company. In addition to pursuing specific environmental initiatives, the team has launched a robust intranet site to educate and inform our employees about environmental steps they can take at work and at home.

• CIGNA is aggressively working with our food service suppliers to improve our cafeterias by reducing the use of plastic and Styrofoam containers, offering fair trade coffee and reusable coffee mugs, and using eco-friendly cleaners/cleansers. In many cafeterias, we donate cooking grease to be converted into biofuel and donate food scraps for composting. At certain locations, we also host farmer's markets and energy efficient product sales for our employees.
• Newsweek recognized CIGNA as one of the "Greenest Companies in America." The magazine ranked CIGNA tenth in the health care industry and second among health insurance companies.
• CIGNA University has partnered with Why Water? Through an external education program, participants answer questions about health-related topics. For every three questions they answer correctly, CIGNA provides a day's worth of clean water to students in developing countries. In the first year alone, CIGNA donated over 55,000 days of fresh drinking water.
• CIGNA's Tel-Drug operations incorporated the FDA medicine disposal guidelines into written policy to provide customers with the proper, environmentally-friendly methods of prescription drug disposal.
• In conjunction with Earth Day, CIGNA donates to the planting of tens of thousands of trees in the U.S. through the Arbor Day Foundation and organizes numerous events to help educate our employees and communities about environmental issues.
• CIGNA office locations frequently participate in local donation and recycling efforts. From generators to personal wireless devices, carpet squares to gently used clothing, our employees work to benefit the environment and support charitable organizations.

Our Commitment

In order to demonstrate our commitment to the environment, we will endeavor to:

• Comply with all relevant regulations and legislation.
• Continually seek to improve our environmental performance by:
  • Reducing energy and resource consumption effectively and efficiently,
  • Minimizing waste and maximizing recycling initiatives, and
  • Quantifying and reducing our carbon footprint.
• Partner with communities and organizations to disclose environmental information and support environmental conservation initiatives.
• Improve awareness of our environment and our responsibilities among employees and other stakeholders.
• Recognize our shortcomings and openly work toward improvement.
• Report openly on our progress and opportunities for improvement.

Environmental Program Participation

CIGNA is a member of Business Roundtable's Climate RESOLVE. It is the belief of Climate RESOLVE that motivated, forward-looking companies working in partnership with government can find many practical, cost-effective opportunities to improve energy efficiency and reduce, avoid, offset or sequester GHG emissions - without serious economic disruption.

CIGNA currently participates in the Carbon Disclosure Project, an independent not-for-profit organization, which acts as an intermediary between shareholders and corporations on all climate change related issues, providing primary climate change data from the world's largest corporations, to the global market place

CIGNA's Corporate Social Responsibility program is evaluated by Innovest, the #1-ranked provider of extra-financial research for the investment community. The organization tracks company performance and strategic positioning on over 120 factors that are not captured or explained by the traditional, accounting-driven securities analysis.

CIGNA, a global health services company, takes its corporate social responsibility (CSR) very seriously. We embrace it as an opportunity to reflect and extend our mission to improve health, well-being and security for all those we serve. Through CSR, CIGNA establishes meaningful links between the health of our own employees, individuals and families and the well-being of communities across the globe. Our commitment to CSR supports our goals to exemplify health care leadership, health advocacy and ethical business conduct, and to sustain responsible growth. CIGNA uses CSR to create a common sense of purpose for our employees by providing a "real world" context for CIGNA's commitment to our customers, shareholders, society and the environment.

Charitable giving

In our role as a health advocate, CIGNA reaches out to many charitable organizations that share our goals. Our giving is directed primarily to the area we know best - improving health outcomes.

To ensure that our charitable efforts are strategically directed to have the greatest possible positive impact on the health of individuals, families and communities, CIGNA has designated a separate operational unit, CIGNA Civic Affairs (CCA), to coordinate all charitable giving.

CCA is responsible for administering corporate giving and executing CIGNA's three major enterprise-wide fundraising campaigns: March of Dimes, United Way, and Susan G. Komen for the Cure. CCA also organizes numerous office-based volunteer efforts and supports the individual volunteer and charitable commitments of CIGNA's people.

As a part of its mandate, CCA manages the operations of the CIGNA Foundation, an independent entity providing support to charitable activities that reflect CIGNA's inclusive approach to enhancing the health of individuals and families and the well-being of our communities.

For example, the CIGNA Foundation provides funding for a Health Forum series that stresses the crucial role of ongoing public dialogue in improving health outcomes. The first forum - Improving Health Begins with Understanding - brought doctors, academics and other health professionals together with members of the general public to discuss the importance of clear health communications.

Our charitable giving also recognizes the importance of service and expanding opportunity in building strong communities. When the CIGNA Foundation announced its support of the Washington, D.C. Martin Luther King, Jr. National Memorial http://www.mlkmemorial.org/ in January 2007, it was an important step in the process of creating a permanent memorial in our nation's capital to Dr. King and his legacy of service. As a result of CIGNA's leadership and commitment, the Delaware Valley where CIGNA is headquartered has contributed more than $2 million dollars to inspire future generations with the power of Dr. King's message through this lasting memorial.

More information about all of CIGNA's charitable giving can be found at it's time for a real change and http://www.itstimetofeelbetter.com/listen/community.html

Global perspective

Water for people in India

Clean water and sanitation are widely accepted as the essential foundation to good health around the world. Through a campaign promoting e-learning resources provided by CIGNA University and available to the public on the external website www.itstimetofeelbetter.com, we're offering free, interactive educational programs that make it easier, simpler, and more fun to access and absorb health care information - while at the same time giving people the chance to help others.

An online health education game ( www.itstimetofeelbetter.com/whywater) lets individuals test their health care knowledge. As an incentive, for every three questions a player answers correctly, CIGNA will donate clean water for a day to a student in India. This is made possible through a partnership with Water For People, a non-profit organization that funds safe drinking water and delivers sustainable clean water programs in developing countries. As of December 2008, participants playing our health game enabled us to contribute nearly 55,000 days of clean water to schoolchildren in India.

Response to China's need

CIGNA's employees are spread across the globe, yet time and again they have demonstrated the ability to come together to help others as evidenced by their role in the May 12, 2008 devastating earthquake in China. In a matter of minutes, homes and buildings toppled and schools collapsed. Thousands died, families were torn apart and lives were changed forever. Two of our own employees experienced injury, lost family members and had their homes destroyed.

To respond to this need, every CIGNA operation throughout Asia-Pacific and Europe initiated fund raising campaigns, including the telemarketing team in Indonesia who worked on a national holiday and donated their commission to relief efforts.

In the U.S., we also have a mechanism to show our support for disaster relief and contribute to the cause. CIGNA Civic Affairs provided a donation to earthquake relief and established a special match program for employee donations.

Our efforts showed people around the world that we are unified in our efforts to help support the people of China.

Human rights

On December 10, 1948, the General Assembly of the United Nations adopted and proclaimed the Universal Declaration of Human Rights as the common standard of achievement for all peoples and all nations. As a global health service company, we have our own pledge, which was developed to provide a collective voice for all our employees. It is intended to serve as a compass to guide our actions and achieve our mission of improving health, well-being and security for all those we serve. The pledge is based on the principles that define how we operate internally and how we want external stakeholders to experience CIGNA.

At CIGNA we can't speak for everyone.
But we can speak for ourselves.
Hear this.

You are our partners and customers.
Serving you is a privilege
And a responsibility.
It is our responsibility to be understandable.
It is our responsibility to treat you as real people.
It is our responsibility to help you when you are in need.

We will make the process easier.
So that you may enjoy and manage
The greatest treasure you own: your health.

We will encourage.
We will protect.
We will adapt.
When you need us, you will know us by our names.
We will know you by yours.
And we will do everything within our power to keep you healthy.
Healthy body.
Healthy mind.
And together we will explore possibilities instead of limitations.
A much healthier point of view.

CIGNA:
We are signaling change.

Implicit in these important words is CIGNA's commitment to upholding the principles of Human Rights not only in our U.S. communities, but also across the globe. Our policies and people standards are consistent with the requirements of the Universal Declaration on Human Rights (UDHR).