TO OUR SHAREHOLDERS A Track Record of Success Three years ago, we embarked on a bold, long-term  strategy for Cigna, with three fundamental goals, to:  1 )  Reposition our portfolio for growth in target markets; 2 )  Improve our strategic and financial flexibility; and  3 )  Pursue new opportunities in high-growth markets, with a particular focus on individuals.  $1,361 $1,734 ADJUSTED INCOME FROM OPERATIONS*  in millions 2011 2012 We’ve stayed true to this direction, guided by our  strategy of “Go Deep, Go Global, Go Individual,”  and in 2012 we once again delivered strong results  against each of our goals by:  2012: ANOTHER STRONG  YEAR FOR CIGNA In 2012, the breadth and depth of our  customer insights, coupled with our focused  strategy and strong operating performance, led to another successful year for Cigna.  • Growing our global customer relationships to  approximately 75 million people while increasing our global medical customer base to more than 14 million – all while delivering solid results in each of our ongoing businesses. •  Further improving our strategic and financial  flexibility, with continued delivery of significant free  cash flow and strong return on capital from each of our businesses – positioning us well to further enhance value in 2013 and beyond. • Continuing to deepen our presence in existing  geographies, customer segments and product  lines, as demonstrated by our new joint ventures  in Turkey and India; and to pursue important  new opportunities, most notably finalizing our  acquisition of HealthSpring, a best-in-class operator  in the growing seniors segment, which added more than one million new customer relationships  and drove much of our revenue growth.  We continued to invest fully in understanding  evolving customer needs around the world. At the heart of our customer awareness and  appreciation is our belief that health is intensely  personal for each individual we serve, and that well-being is interwoven with a sense of security and a supportive community.  4