Columbian Life Contracting and Appointment

These are the most current Columbian Life policy descriptions and state availability for 2018.Columbian Life Insurance Company is an Illinois-domiciled stock company which is included in the Columbian Financial Group of companies. Columbian Life has always prided itself on maintaining a solid financial and investment posture to ensure all obligations are met.

For 135 years, Columbian Financial Group has been providing affordable protection through consumer-oriented products, superior service and management’s commitment to financial stability.

Classic Elite

A full benefit whole life insurance with simplified underwriting and level premiums. Death benefit is immediate full coverage with level death benefit in all years. Issue ages 25 to 85 (Age Last Birthday), Face amounts: $5,000 to $35,000 (ages 25 to 44); $2,500 to $35,000 (ages 45 to 80); $2,500 to $25,000 (ages 81 to 85), may vary by state. Classifications: Non-Tobacco and Tobacco. Available riders: Children’s Term, Accidental Death Benefit and Accelerated Death Benefit. Underwriting: all health questions answered ‘no’, height/weight limits, telephone interview at point of sale, MIB check, prescription drug check and motor vehicle report for ages 25 to 35.

Columbian Final Expense

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Columbian Life offers four Dignified Choice Classic plans, a policy to fit most individuals, even those who may find it difficult to obtain coverage due to health issues.

Classic Select

A full benefit whole life insurance with simplified underwriting and level premiums. Death benefit is immediate full coverage with level death benefit in all years. Issue ages 25 to 85 (Age Last Birthday), Face amounts: $5,000 to $35,000 (ages 25 to 44); $2,500 to $35,000 (ages 45 to 80); $2,500 to $25,000 (ages 81 to 85), may vary by state. Classifications: Non-Tobacco and Tobacco. Available riders: Children’s Term, Accidental Death Benefit and Accelerated Death Benefit. Underwriting: any Part 4 health question answered ‘yes’, doctor not seen in past 5 years for ages 60 to 70, height/weight limits, telephone interview at point of sale, MIB check, prescription drug check and motor vehicle report for ages 25 to 35.

Classic Advantage

A graded benefit whole life insurance with simplified underwriting and level premiums. Graded benefit period is two years. Death benefit: full face amount payable for accidental death in all years. Return of premiums plus 6% interest paid for non-accidental death occurring within the first two policy years. Full face amount paid for death by any cause after the graded benefit period. Issue ages 45 to 85, issue ages 50 to 75 in ME, NY, and VT (Age Last Birthday). Face amounts: $2,500 to $20,000 may vary by state. Classifications: Graded Benefit. Available riders: Children’s Term (Non Paid Up version), Accelerated Death Benefit (may be added after the graded benefit period). Underwriting: any Part 3 health question answered ‘yes’; two or more Part 4 questions answered ‘yes’, height/weight limits, MIB check and prescription drug check.

Classic Security

A graded benefit whole life insurance with simplified underwriting and level premiums. Graded benefit period is three years. Death benefit: full face amount payable for accidental death in all years. Return of premiums plus 6% interest paid for non-accidental death occurring within the first three policy years. Full face amount paid for death by any cause after the graded benefit period. Issue ages 45 to 80, issue ages 50 to 75 in ME, NY, and VT (Age Last Birthday). Face amounts: $2,000 to $10,000 may vary by state. Classifications: Graded Benefit. Underwriting: any Part 2 health question answered ‘yes’; two or more Part 3 questions answered ‘yes’, doctor not seen in past 3 years if age 71+, height/weight limits, MIB check and prescription drug check.

Electronic Application is easy to use, electronic signature and telephone interview (if required) are completed at the time of sale. Immediate submission of application for faster turnaround ~ quicker commissions; eliminates errors; and e-App disclosure packet contains all printed disclosures needed during the sale. Available on computers using Internet Explorer and on iPads using Safari (not supported on other devices at this time).

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Columbian Life Appointment and Contracting