EXHIBIT 10.25   

CIGNA Corporation

CIGNA Long-Term Incentive Plan: Nonqualified Stock Option Grant Agreement

CIGNA Corporation (“CIGNA”) has granted you the option to purchase the number of shares of CIGNA Common Stock set forth below in this Option Grant Agreement (“Option Grant”) under the CIGNA Long-Term Incentive Plan (“Plan”). The award is subject to the provisions of the Plan and the Terms and Conditions below.

You should carefully read all the terms and conditions of this Option Grant and be sure you understand what they say and what your responsibilities and obligations are before you click on the ACCEPT button to acknowledge and agree to this Option Grant.

If you are not willing to agree to all of the Option Grant terms and conditions, do not accept the Option Grant and do not click the ACCEPT button for the Option Grant Acknowledgment and Agreement. If you do not accept the Option Grant, you will not receive the benefits of the Option Grant.

If you do click on the ACCEPT button, you are accepting and agreeing to all of the terms and conditions of this Option Grant.

Participant: Sally X. Sample

Global ID: 000XXXXXX

Award Type: Non Qualified Stock Options

Plan Name: CIGNA Long-Term Incentive Plan

Award Date: 01-Mar-2011

Award Expiration Date: 01-Mar-2021

Total Granted: X,XXX.0000

Award Price: $XX.XXXX (USD)

VESTING SCHEDULE

You should also read the Key Contacts and Reference Materials document attached to your grant by clicking the REVIEW button. The Key Contacts and Reference Materials document contains information on how to get important stock award information (such as the Plan document, Plan Prospectus, Tax Considerations and CIGNA’s Securities Transactions and Insider Trading Policy) and whom to contact if you have questions.

Please be aware that the CIGNA Securities Transactions and Insider Trading Policy places restrictions on your transactions in CIGNA securities and requires certain CIGNA employees to obtain advance permission from the Corporate Secretary before executing transactions in CIGNA securities.

For more information about your award, please visit Your CIGNA Life>Returns>Incentive Pay>About Stock. If you still have questions after reviewing the website, please call the CIGNA Shareholder Services Department at 215.761.3516.

Important Notice: Option Grant Acknowledgment and Agreement

By clicking on the ACCEPT button, I:

1.

Acknowledge and represent to CIGNA that I have:

a.

received the Option Grant;

b.

read and understand its terms and conditions, which include, among other things, restrictive covenants such as non-competition, customer and employee non-solicitation and non-disclosure provisions and a litigation cooperation provision; and

c.

received answers to any questions I had about the Option Grant and its terms and conditions, including the restrictive covenants.

2.

Understand and agree that:

a.

Pennsylvania law governs the interpretation and construction of the Option Grant; and

b.

any controversy or proceeding arising out of or relating to the restrictive covenants in the Option Grant will be brought exclusively before a federal or state court in the Commonwealth of Pennsylvania where venue is appropriate and that has subject matter jurisdiction (collectively, “Pennsylvania Courts”).

3.

Consent to Pennsylvania Courts exercising personal jurisdiction over me in any dispute about the restrictive covenants.

Scroll down for the TERMS AND CONDITIONS of the Option Grant.

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Terms and conditions of March 2011 grant of a nonqualified stock option

These Terms and Conditions are an important part of your March 1, 2011 grant of a nonqualified stock option (Option) from CIGNA Corporation (CIGNA). The terms of your Option are in (a) the electronic Option Grant Agreement, (b) these Terms and Conditions and (c) the applicable Plan provisions.

Certain words in this document with first letters capitalized are defined in the Option Grant Agreement, these Terms and Conditions or Article 2 of the Plan. This grant is void if you are not an employee of CIGNA or a Subsidiary (a CIGNA company) on March 1, 2011.

1. The Option

The Option gives you the right to buy a certain number of shares of CIGNA Corporation Common Stock (Shares) during the Option Period (described in paragraph 2) at the Option Price. Your Option Grant Agreement lists the number of Shares and your Option Price. To buy the Shares at the Option Price, you must exercise the Option.

2. Option Period; Vesting

(a)

You can exercise the Option only during the Option Period. The Option becomes exercisable, or “vests,” on the first day of the Option Period and expires on the last day of the Option Period.

(b)

The Option Period for one-third of the Shares starts on March 1, 2012; for another third of the Shares on March 1, 2013; and for the final third of the Shares on March 1, 2014. This is the vesting schedule for the Option.

(c)

The Option Period for all the Shares ends, and the Option will expire, the earlier of (1) 5:00 p.m. Philadelphia time on March 1, 2021 or (2) upon your Termination of Employment as described under Early Expiration in paragraph 4.

3. Early Vesting

The Option may vest earlier than the dates listed under paragraph 2(b) as described here. If your Termination of Employment occurs before the Option vests under paragraph 2, the Option will vest on your Termination of Employment date, but only if your Termination of Employment is:

(a)

Because of your death, Disability, Early Retirement or Retirement and you have not received or will not be receiving severance pay from any CIGNA company (whether under any severance benefit plan or any contract, agreement or arrangement); or

(b)

Upon a Change of Control.

4. Early Expiration upon Termination of Employment; Exceptions

(a)

The Option will expire immediately upon your Termination of Employment (including a termination during an approved leave of absence) unless one of the exceptions described in paragraph 4(b) through (d) applies.

(b)

If (1) your Termination of Employment is because of your death, Disability or Retirement, and (2) you will not be receiving severance pay from any CIGNA company (whether under any severance benefit plan or any contract, agreement or arrangement), then the Option will expire at 5:00 p.m. Philadelphia time on March 1, 2021.

(c)

If your Termination of Employment is because of your Early Retirement, and you will not be receiving severance pay from any CIGNA company (whether under any severance benefit plan or any contract, agreement or arrangement), the Option will expire at 5:00 p.m. Philadelphia time on:

(1)

The earlier of March 1, 2021 or the third anniversary of your Termination of Employment date; or

(2)

March 1, 2021 if, within six months before your Termination of Employment date, you were an Executive Officer subject to the requirements of Section 16(a) of the Securities Exchange Act of 1934 (“Executive Officer”).

(d)

If your Termination of Employment is Upon a Change of Control (of CIGNA Corporation), the Option will expire on the earlier of March 1, 2021 or three months after your Termination of Employment date.

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5. Exercising the Option; Tax Withholding

(a)

CIGNA may limit your rights to exercise the Option and to sell any Shares you acquire by exercising the Option. Your rights are subject to the terms of CIGNA’s Securities Transactions and Insider Trading Policy, and CIGNA reserves the right, for any reason at any time, to suspend or delay action on any request you make to exercise the Option or sell the Shares. To comply with legal requirements, CIGNA may restrict the method by which you exercise the Option.

(b)

If, because of limitations imposed by applicable law, you cannot exercise the Option before it expires, then the Option will not expire on the date described in paragraph 4. Instead, the Option Period will be extended temporarily until the earlier of (1) ten business days after the first date on which the Option again becomes exercisable without the limitations or (2) 5:00 p.m. Philadelphia time on March 1, 2021).

(c)

To exercise all or part of the Option, you must (1) complete and submit any required Option exercise form or electronic exercise instructions and (2) pay the Option Price and any required tax withholding.

(d)

You may pay the Option Price with cash. If you pay with cash, you must also pay any applicable withholding tax liability in cash before Shares will be deposited in your Stock Account or delivered to you.

(e)

If you are a CIGNA company employee when you exercise the Option, you may pay the Option Price with shares of CIGNA Common Stock that are in your Stock Account if:

(1)

you first purchased the shares on the open market; or

(2)

at least six months have elapsed after the:

(A)

grant date, if you received the shares as a grant of unrestricted Shares;

(B)

vesting date, if you received them as a grant of Restricted Stock; or

(C)

purchase date, if you bought them through a previous option exercise.

You will not be allowed to pay the Option Price with shares of CIGNA Common Stock if CIGNA in its sole discretion determines that it would risk adverse tax or accounting consequences as a result. If you are not a CIGNA company employee when you exercise the Option, or if your beneficiary or estate exercises the Option, the Option Price cannot be paid in shares of stock.

(f)

If you pay the Option Price in shares of CIGNA Common Stock:

(1)

You must exercise the Option for at least 50  Shares.

If there are not at least 50 Shares underlying the Option, you must exercise the Option for all the Shares.

(2)

You must pay any applicable tax-withholding obligation.

CIGNA reserves the right to withhold from the Shares you purchase enough Shares to meet all or part of any applicable tax-withholding obligation.

If you are an Executive Officer when you exercise the Option, you may satisfy part of the withholding obligation by remitting to CIGNA shares of Common Stock you have owned for at least six months as of the date the withholding obligation arises.

(g)

You may pay the Option Price through a cashless exercise of the Option. CIGNA reserves the right to change the rules that apply to cashless exercises, or end your ability to do a cashless exercise, at any time.

6. Book-Entry Shares

CIGNA (or a custodian appointed by CIGNA) will hold any Shares you, your beneficiary or estate acquire upon exercise of the Option in book-entry form in a Stock Account. That is, a record of Share ownership will be kept electronically, and you will not risk losing any Share certificates. A Share certificate will be issued to you only if you ask for one, but not if you have engaged in a Violation (described in paragraph 7(b)).

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7. Conditions of Grant

(a)

By accepting the grant, you are agreeing not to engage in any Violation described in paragraph 7(b). You understand and agree that your agreement not to engage in any Violation is a material part of the inducement for CIGNA’s granting you the Option and an essential pre-condition to your eligibility to exercise any rights associated with the Option and retain any benefit from exercising the Option.

(b)

You will engage in a “Violation” if, directly or indirectly, you engage in any misconduct described in paragraph 7(b)(1) below or you break any of the “Promises” in paragraphs 7(b)(2) through (6) below:

(1)

Misconduct:

(A)

You have a Termination of Employment initiated by a CIGNA company because of your misconduct, as that term is defined in CIGNA’s Code of Ethics, Standards of Conduct or other employment policies.

(B)

You do anything else while an employee of any CIGNA company that is not discovered by the company until after your Termination of Employment and that would, if you had still been employed at the time of the discovery, be reason for your Termination of Employment for misconduct, as described above.

(2)

Promise Not To Compete against CIGNA Companies:

The Promise in this paragraph 7(b)(2) will remain in effect after your Termination of Employment only if you resign for any reason or a CIGNA company terminates your employment for your misconduct, as described in paragraph 7(b)(1)(A). The Promise will remain in effect, for example, if your Termination of Employment is due to the elimination of your job.

(A)

If you are in Career Band 6 or higher on your Termination of Employment date:

You Promise not to become employed by, work as a consultant or independent contractor for, or in any way render services or assistance to any CIGNA Competitor (defined in paragraph 7(b)(2)(C) below) at any time during the period that starts on the grant date and ends 12 months after your Termination of Employment.

You acknowledge and agree that:

(i)

CIGNA’s business competes on a global basis;

(ii)

CIGNA’s sales and marketing plans are for continued expansion throughout the United States of America and globally;

(iii)

You have had access to and received Confidential Information (described in paragraph 7(b)(5)(B) below); and

(iv)

The time restrictions and global nature of this non-competition restriction are reasonable and necessary to protect CIGNA’s business and Confidential Information.

(B)

If you are in Career Band 5 or below on your Termination of Employment date:

You Promise not to become employed by, work as a consultant or independent contractor for, or in any way render services or assistance to any CIGNA Competitor (defined in paragraph 7(b)(2)(C) below) at any time during the period that starts on the grant date and ends 12 months after your Termination of Employment, if that work is similar to, and within the same geographic area as, the work you performed, or for which you had responsibility, at any CIGNA company at any time during the six-month period that ends on your Termination of Employment date.

For example:

(i)

If you are a sales employee and your sales territory at any time during your last six months of CIGNA company employment is Pennsylvania, New Jersey, and New York, this paragraph 7(b)(2)(B) would apply to you only if you work in a sales position for a CIGNA Competitor and only to the extent your new sales territory is Pennsylvania, New Jersey, and/or New York;

(ii)

If you are an underwriter with nationwide responsibilities at any time during your last six months of CIGNA company employment, and you seek a job with a CIGNA Competitor as an underwriter, the restrictions in paragraph 7(b)(2)(B) would be nationwide in scope; or

(iii)

If you work in a particular division or segment of CIGNA, you would not be permitted to work in a similar division or segment for a CIGNA Competitor where the work you are expected to perform for the competitor is similar to the work you performed for any CIGNA company.

You acknowledge and agree that you have had access to and received Confidential Information (described in paragraph 7(b)(5)(B) below) and the above time and geographic restrictions are reasonable and necessary to protect CIGNA’s business and Confidential Information.

(C)

“CIGNA Competitor” means any business that competes directly or indirectly with any CIGNA company’s product or service.

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(3)

Promise Not To Solicit or Hire CIGNA Company Employees:

(A)

You Promise that, at any time during your CIGNA company employment and the period that ends 12 months after your Termination of Employment, you will not:

(i)

Solicit any employee of any CIGNA company to terminate his/her employment with, or otherwise cease his/her relationship, contractual or otherwise, with that CIGNA company; or

(ii)

Hire any CIGNA company employee.

(B)

This paragraph 7(b)(3) will not apply to applications for employment submitted voluntarily by any CIGNA employee, in response to a general advertisement or otherwise, so long as neither you, nor anyone acting on your behalf or in response to information provided by you, otherwise Solicits the employees to leave CIGNA.

(C)

To “Solicit” means to entice, encourage, persuade, or solicit, or to attempt to entice, encourage, persuade or solicit.

(4)

Promise Not To Solicit CIGNA Company Customers:

(A)

You Promise that, at any time during your CIGNA company employment and the period that ends 12 months after your Termination of Employment, you will not:

(i)

Solicit any CIGNA company customer to end an existing relationship, contractual or otherwise, with that CIGNA company; or

(ii)

Solicit any potential CIGNA company customer to enter into any business arrangements with you or any business which you may become employed by, or affiliated in any way with, after leaving any CIGNA company, if such business arrangements would compete in any way with any business that CIGNA company has conducted, or has been planning to conduct, during the 12-month period ending on the date of the Violation.

(B)

The Promise in paragraph 7(b)(4)(A) above applies only to a customer or potential customer with whom you had any Material Contact while employed by any CIGNA company. “Material Contact” means you:

(i)

Had business dealings with the customer on behalf of any CIGNA company within the three-year period ending on the date of the Solicitation;

(ii)

Were responsible for supervising or coordinating the dealings between any CIGNA company and the customer or potential customer anytime during the three-year period ending on the date of the Solicitation; or

(iii)

Obtained, at anytime, trade secrets or confidential information about a customer or potential customer with whom you had contact as a result of your employment by any CIGNA company.

(C)

“Solicit” is defined in paragraph 7(b)(3)(C).

(5)

Promise Not To Disclose CIGNA Companies’ Confidential Information:

(A)

You Promise not to disclose any Confidential Information to any third-party at any time, whether during or after your employment, without the prior written consent of CIGNA (except to the extent required by an order of a court having competent jurisdiction or a properly issued subpoena) unless that Confidential Information was previously disclosed publicly by CIGNA or has become public knowledge (other than by your disclosure).

(B)

“Confidential Information” means any CIGNA company trade secrets, confidential information, or proprietary materials, including but not limited to customer lists, financial records, marketing plans and sales plans.

(6)

Promise to Cooperate With CIGNA in Investigations or Litigation:

(A)

You Promise that, at any time after your Termination of Employment, you will cooperate with CIGNA in (i) all investigations of any kind, (ii) helping to prepare and review documents and meeting with CIGNA attorneys, and (iii) providing truthful testimony as a witness or a declarant during discovery and/or trial in connection with any present or future court, administrative, agency, or arbitration proceeding involving any CIGNA company and with respect to which you have relevant information.

(B)

CIGNA agrees that it will reimburse you, upon production of appropriate receipts and in accordance with CIGNA’s then existing Business Travel Reimbursement Policy, the reasonable business expenses (including air transportation, hotel, and similar expenses) incurred by you in connection with such assistance. You must present to CIGNA for reimbursement all receipts for those expenses within 45 days after you incur the expenses.

(c)

(1) If you were an Executive Officer at any time during the 24-month period before the date of the Violation, the People Resources Committee will determine whether you engaged in a Violation and will have the sole discretion to waive your obligation to make all or any part of the Payment (described in paragraph 8) and to impose conditions on any waiver.

(2) Otherwise, CIGNA’s Senior Human Resources Officer, or his or her designee, will determine whether you engaged in a Violation and will have the sole discretion to waive your obligation to make all or any part of the Payment and to impose conditions on any waiver.

(3) Determinations of the People Resources Committee, CIGNA’s Senior Human Resources Officer, or his or her designee, will be final and binding on all parties.

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8. Consequences of a Violation: Payment to CIGNA

Important: This paragraph 8 is not CIGNA’s only remedy for a Violation. CIGNA may seek any additional legal or equitable remedy, including an injunction described in paragraph 9, for a Violation.

(a)

If you engage in any Violation at any time, CIGNA will cancel any part of the Option you have not yet exercised.

(b)

You must immediately make the Payment described in paragraph 8(c) to CIGNA in the manner described in paragraph 8(d) if:

(1)

You engage in a Violation described in paragraph 7(b)(2) (compete against CIGNA), 7(b)(3) (Solicit or hire CIGNA employees) or 7(b)(4) (Solicit CIGNA customers), either while you are a CIGNA company employee or within 12 months after your Termination of Employment; or

(2)

You engage in a Violation described in paragraph 7(b)(1) (misconduct), 7(b)(5) (disclose Confidential Information) or 7(b)(6) (fail to cooperate) at any time.

(c)

The Payment requirement applies only to the part of the Option, if any, that you exercise within the 24-month period ending on the date of the Violation. “Payment” means the amount equal to:

(1)

the number of Shares you acquire when you exercise the Option;

multiplied by

(2)

the excess of (A) the Fair Market Value on the date you exercise the Option over (B) the Option Price;

plus

(3)

the total amount of all dividends, if any, paid on those Shares through the date of the Payment.

(d)

CIGNA will recover the Payment from you by any or all of the following methods, at the sole discretion of CIGNA management.

(1)

Step 1: If you have any Shares in your Stock Account or in any other account in book-entry form when a Violation occurs, CIGNA will take back from you the whole number of Shares that has a total Fair Market Value as of the date of the Violation up to, but not more than, the Payment amount.

(2)

Step 2: If any Payment amount remains unpaid after Step 1, CIGNA will, to the extent permitted by applicable law, reduce:

(A)

The amount of any payments that any CIGNA company owes you for any reason (including without limit any payments owed to you under any nonqualified retirement, deferred compensation or other plan or arrangement) by

(B)

The remaining Payment amount.

This reduction will not occur until the date a future payment to you is due.

(3)

Step 3: If any Payment amount remains unpaid after Steps 1 and 2, CIGNA will send you a written notice and demand for any remaining Payment amount. Within 30 days after you receive that notice and demand, you must make the remaining Payment to CIGNA.

9. Consequences of a Violation: Injunction

You agree that:

(a)

CIGNA will be entitled to ask a court of competent jurisdiction to issue an order (an injunction) that requires you to take action and/or that prohibits you from taking action, as needed to ensure that you keep all of the Promises described in paragraph 7(b)(2) through (6), and CIGNA will not be required to post a bond in order to seek or obtain the injunction;

(b)

Any breach or threatened breach of any of the Promises would cause irreparable injury to CIGNA, and monetary damages alone would not provide an adequate remedy; and

(c)

The remedies described in paragraph 9(a) are in addition to any other rights and remedies CIGNA may have at law or in equity.

10. Agreeing to Assume Risks

CIGNA and its transfer agent will try to process your stock transaction requests in a timely manner; however, CIGNA makes no promises or guarantees to you relating to the market price of the Shares or to the time it may take to act on your request to exercise the Option, sell the Shares or deliver stock certificates. By accepting this Option grant:

(a)

You acknowledge that the action you request may not be completed until several days (or in the case of delivery of stock certificates, several weeks) after you submit it.

(b)

You agree to assume the risks, including the risk that the market price of the Shares may change, related to delays described in paragraph 10(a):

(1)

Between the time you submit an Option exercise form and the time your Option is actually exercised;

(2)

Between the time you ask for any Shares to be sold and the time your Shares are actually sold; and

(3)

Between the time you ask for stock certificates to be delivered to you or your broker and the time the certificates are delivered.

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11. Applicable Law

You understand and agree that:

(a)

The terms and conditions of this Option grant (including any Violation and the consequences of any Violation) and all determinations made under the Option Grant Agreement, the Plan, and these Terms and Conditions will be interpreted under the laws of the Commonwealth of Pennsylvania, without regard to its conflict of laws rule;

(b)

Any dispute about any of the Promises (described in paragraph 7(b)), if not resolved by agreement between you and CIGNA, will be resolved exclusively in a federal or state court in the Commonwealth of Pennsylvania where venue is appropriate and that has subject matter jurisdiction over the dispute (collectively, “Pennsylvania Courts”);

(c)

Pennsylvania is a convenient forum for resolving any dispute about the Promises; and

(d)

You and CIGNA consent to the exercise of personal jurisdiction over the parties by a Pennsylvania Court in any dispute related to the Promises.

12. Arbitration

You agree and understand that:

(a)

Any dispute over any of the terms and conditions that apply to this Option grant will be resolved exclusively under the CIGNA Employment Dispute Arbitration Policy and its Rules and Procedures as may be in effect when the dispute arises;

(b)

You are waiving your right to have those disputes decided by a judge or jury in a court of law, and instead you are agreeing to submit those disputes exclusively to mandatory and binding final arbitration;

(c)

While you or CIGNA may seek emergency, temporary or permanent injunctive relief from a court in accordance with applicable law, after the court has issued a decision about that relief, you and CIGNA will submit the dispute to final and binding arbitration under the CIGNA Employment Dispute Arbitration Policy; and

(d)

This arbitration provision will not apply to any dispute related to the Promises.

13. Miscellaneous

(a)

If a court of competent jurisdiction determines that any provision of these Terms and Conditions is unenforceable as written, that provision will be enforceable to the maximum extent permitted by law and will be reformed by the court to make the provision enforceable in accordance with CIGNA’s intent and applicable law.

(b)

CIGNA’s failure to enforce any provision of this Option grant will not be interpreted as a waiver of its right to enforce that provision in the future.

14. Acceptance

If you disagree with any of these Terms and Conditions, including those in paragraphs 7, 8 and 9, YOU MUST NOT ACCEPT THE OPTION GRANT. If you sign the Option grant, or acknowledge your acceptance electronically or otherwise, you will be:

(a)

Agreeing to all the terms and conditions of the Option grant including the Promises in paragraph 7(b);

(b)

Warranting and representing to CIGNA that you are, and will remain, in full compliance with those terms and conditions; and

(c)

Authorizing CIGNA to recover the Payment described in paragraph 8 and seek an injunction described in paragraph 9, if you engage in a Violation.

March 1, 2011 Option Grant Terms and Conditions

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