Definitions An Insurance Producer refers to a person or an agency required to be licensed to sell, solicit or negotiate insurance on behalf of Cigna. Licensing, Appointments and Contracting To be an authorized Cigna Insurance Producer, you must: › C omply with Insurance Producer licensing laws in all states in which you will be selling, soliciting and negotiating. › Be appoint ed by Cigna as an Insurance Producer, where applicable. › Ex ecute a Universal Producer Agreement or Acknowledgement of Contractual Obligation. – Sole Proprietors or Agencies must execute Cigna’s Universal Producer Agreement to sell, solicit and negotiate on Cigna’s behalf. – Insurance Producers who are employed by an agency must execute Cigna’s Acknowledgement of Contractual Obligation to sell, solicit and negotiate on Cigna’s behalf. Federally Facilitated Marketplace Registration If an Insurance Producer will be selling, soliciting and negotiating Cigna products on the Federally Facilitated Marketplace (FFM), in addition to these requirements, individual Insurance Producers must complete FFM registration annually, which includes: › R egistering on the CMS portal. › C ompleting training. › Signing the r equired Agreement(s) with CMS. Cigna receives notification directly from CMS of all Insurance Producers who complete the annual training. Firms do not require annual certification. State Health Insurance Exchange Registration If an Insurance Producer will be selling, soliciting and negotiating Cigna products on any of the State Health Insurance Exchanges, in addition to the requirements noted above, individual Insurance Producers must complete any training/certification requirements as defined by the state. PRODUCER QUALIFICATIONS