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Second, we use our understanding of our customers’ needs to identify the right products for the right customers at the right time – which we refer to as consultative selling and distribution . Among other areas, this plays a critical role in Cigna’s ability to effectively address and capitalize on the growing market opportunities presented by globally mobile individuals and employers, whose evolving needs require the power, collaboration and flexibility of the Cigna network of more than one million health care professionals worldwide. 

A third differentiator is our best-in-class physician engagement and partnership programs , which improve health care quality and overall affordability. In the United States, Cigna continues to strengthen our physician partnerships through our rapidly growing number of collaborative accountable care initiatives spanning 22 states – which, when combined with our HealthSpring seniors programs, are already serving nearly one million customers. We view our physician engagement strategy as a critical aspect of improving health outcomes and affordability while expanding the rewards for top-performing physicians and health systems. Cigna’s physician relationships increase the likelihood that individuals get health screenings and refill prescriptions, reduce their use of hospital emergency rooms, increase their preventive health visits and improve follow-up care for those transitioning from the hospital to home – encouraging better quality of care and a more affordable outcome. 

## In Our Communities 

Just as important as Cigna’s strategy and financial results is the value our global team delivers every day to help the people we serve. In a noteworthy milestone, the Cigna Foundation celebrated its 50th anniversary in 2012, and has given $220 million to worthy causes in its first five decades. 

Our employees stepped up time and again in 2012 to help communities whose needs are as varied as they are great. For example, our employees raised funds for victims’ families immediately after the tragic Sandy Hook, Connecticut school shooting. In Shanghai, where 

low-income seniors live in unsafe housing, we worked with a Habitat for Humanity program to renovate homes. Similarly, in Taiwan, Cigna helped to provide health and social services to disabled seniors living in poverty. These are just a few of the ways that the Cigna team strives to be a force for good around the world. 

Cigna was also proud to be recognized in 2012 by the Alzheimer’s Association for our service and philanthropy in the fight against Alzheimer’s disease. 

## Looking Ahead: 2013 and Beyond 

As we look forward to 2013 and beyond and assess the transforming global economic and regulatory environment, we are confident that our strong product portfolio, financial flexibility and ability to create new opportunities in target geographies will continue to create solid growth for Cigna. 

We are prepared to build on the progress and investments we’ve made in the past three years since implementing our “Go Go Go” strategy. Our company comprises more than 35,000 people around the world who are proud and passionate about our customers and our mission. We’re excited about the future. Cigna’s clarity of direction, focus and outstanding team – together with the powerful belief in the potential of each customer – give us a rock-solid foundation for continued success. Thank you for your confidence and investment in us. 

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* Adjusted income (loss) from operations is a non-GAAP measure used to describe the Company’s financial results. A definition of adjusted income from operations along with a reconciliation to the most directly comparable GAAP measure is contained in Management’s Discussion and Analysis of Financial Condition and Results of Operations on page 35 of the Form 10-K included in this annual report. 

