Dear Partner,

I am pleased to share with you that today Cigna and Anthem announced the agreement to form a premier global health service company, with the right mix of capabilities to deliver greater choice, access and affordability to meet the challenges of a new era.

The combination of Cigna and Anthem will bring together the complementary strengths of our respective organizations: Anthem's best-in-class Medicaid capabilities and leading individual presence, with our consumer engagement and health advocacy capabilities, premier specialty portfolio and broad geographic U.S. and international presence. Together, we will be well-positioned for future growth across a range of attractive and expanding health services, including Medicaid, Individual / Exchange, Medicare Advantage, Part D and Specialty Products in the United States, as well as services for employers and individuals globally.

Most importantly, the combination will allow us to better serve our customers by increasing efforts on our two driving imperatives: making health care both more affordable and more personalized. We have long prided ourselves on our commitment to building a trusted network of health care professionals to connect customers with truly personal, high-quality health care. As one company, we will be able to expand this network, building and strengthening partnerships with committed health care professionals to improve the way they deliver care.

We believe the new company will afford multiple benefits in the future in terms of an expanded customer base and product offerings, and will allow us to enhance global access to health services delivered at a local level. We remain committed to making investments in the products and services you are familiar with and this combination will enable continued expansion of the capabilities we can provide.

I want to assure you that our commitment to you remains unchanged. Cigna will remain separate and independent until closing and we will continue on our present, positive path until the government reviews are complete and the agreement is approved. We expect the transaction to be completed in the second half of 2016. There is strong equity in the Cigna brand and the combined company will continue to use the Cigna brand across key markets, products and services. There will not be any immediate changes to our working relationship or processes as a result of today's announcement, and the announcement has no impact on your current point of contact.

We remain committed to delivering the same high quality service that you have come to expect from us. We will continue to keep you updated on our progress and next steps. Further information is also available at www.betterhealthcaretogether.com.

We look forward to our continued partnership as we enter this new chapter.

Sincerely,

Melanie Watterberg

VP, Broker Development

Cigna-HealthSpring