Columbian Financial Group
NEW POS DECISION ENGINE!
On Dignified Choice Final Expense get an approval before you ever leave the home. To use The Risk Qualifier and Underwriting process you will need to use your cell phone or a computer with wi-fi. Signatures are still needed. Phone interviews are also done on the Elite or Select product.
Columbian Financial is one of the easier insurance companies to get contracted with. If you have a small vector and your credit is not good, this company will appoint you and also, in most cases, will give advances. Payment options EFT only.
If you are interested in writing full time with Columbian Financial, they have a lead program you can take advantage of. This lead program lets you charge your leads to your commission account and it is paid down using a percent of your advances earned on each policy you write. It helps with out-of-pocket costs.
Columbian Financial now has their 2017 Final Expense products and lower rates in all states.
Product Details & State Approvals
Not Available in AK, AL, MT, MS and WA
New Product Overview:
Classic Elite and Classic Select:
Full benefit plans with simplified underwriting improvements over the current Dignified Choice I
Lower Premium Rates for the Elite Plan
Maximum Face Amount $35,000
Issues Ages: 25 to 80
Classic Advantage and Classic Security:
Graded benefit plans with simplified underwriting improvements over the current Dignified Choice II
Classic Advantage Maximum Face Amount $20,000
Classic Security offers Maximum Face Amount of $10,000 to Individuals who would be declined under the Dignified Choice II due to health issues.
Additional Rider: Accelerated Benefit Rider
Discontinuing Nursing Home Rider
Accelerated Death Benefit Rider
Rider coverage is provided at no additional premium charge and remains in force for the duration of the policy.
Accidental Death Benefit Rider (Double Indemnity)
Doubles the death benefitfor accidental death of the insured.
Issue Ages 25-65
Children's' Term Insurance Rider
For Insured's child, grandchild, or great grandchild to age 25.
Children Issue Ages: 15 days-less than 19 yrs
Minimum Issue: $2,500
Maximim Issue: $10,000
Maximum Number of Riders per Policy: 20
Waiver of Premium Due To Disability
Waives premium payments after 6 months of total continuous disability of the Insured. If occurs before age 60, premiums are waived as long as the insured is disabled. If older then 60, waiver benefits cease at age 65.
Issue Ages: 25-55