Columbian s Term Life Insurance with Living Benefits. Benefits you can use when you need them most!

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1 Columbian s Term Life Insurance with Living Benefits Benefits you can use when you need them most!

2 Columbian A company you can trust Columbian has been providing life insurance protection to families for over 135 years, so you can rest assured we ll be here when you need us. Columbian pays over $150 million in benefits each year to families like yours. This stability and reliability means everything when you re planning ahead for your loved ones.

3 Living Benefits Benefits for the living Do you know someone who has had a heart attack? Or cancer? Or a stroke? Or Alzheimer's? With Living Benefits, they could have received an advance payment of part of their life insurance benefit to help with unexpected costs or loss of income. Living Benefit Riders not available in CA or NY.

4 Living Benefits Who needs them? 80% of older adults have at least one chronic disease. 77% have at least two. 1 Every 40 seconds, someone in the US has a heart attack. 2 Every 40 seconds, someone in the US has a stroke. 2 Every 65 seconds, someone in the US develops Alzheimer s Disease. 3 The American Cancer Society estimates that almost 1.7 million new cases of cancer are diagnosed each year Healthy Aging Facts - National Council on Aging 2. About Heart Disease & Stroke Facts - Centers for Disease Control and Prevention Alzheimer s Disease Facts and Figures - Alzheimer s Association 4. Cancer Facts and Figures 2018 American Cancer Society

5 The High Cost of getting laid low Imagine finding out you have cancer, and then not being able to afford the treatments or medications to help fight the disease. Over 11 million people in the U.S. have been diagnosed with cancer and it is one of the five most costly medical conditions. This forces many patients to make decisions about their health care and cancer treatment based on finances, not on what is best for their health. 1 Cancer patients are 2½ times more likely to declare bankruptcy as healthy people. Those who do declare bankruptcy are 80% more likely to die from the disease than other cancer patients Dr. Richy Agajanian, M.D. Cancer Patients: Going Broke to Stay Alive 2. AARP, The High Cost of Cancer Treatment

6 The High Cost of getting laid low Getting the bill for a heart attack or stroke is enough to give you another heart attack or stroke The average cost of treating a heart attack is $18,200. At some emergency rooms, the total tab could be $100,000 or more Money How to Protect Your Heart Health and Save Big on Medical Costs

7 The High Cost of getting laid low When serious illness strikes, it can have a double effect on finances. $$$ Medical Expenses Income $$$ Not only do medical expenses go up; household income may go down due to the inability of the individual to work, or when a family member needs to take time off to care for them.

8 The High Cost of getting laid low More than a quarter of American adults struggle to pay their medical bills, including those with health insurance. Medical debt is the NUMBER ONE source of personal bankruptcy filings in the United States. 1 Would you be prepared financially if you suffered a major illness? Wouldn t it be nice to know that you could have funds available to you if you need them? 1. The Motley Fool, This is the No. 1 reason Americans file for bankruptcy, May 5, 2017.

9 Getting Sick doesn t have to mean going broke Columbian s Living Benefit Riders are like a First Aid Kit for your finances in cases of: Critical Illness Terminal Illness Chronic Illness If you suffer a covered illness, you can choose to receive advance payment of a part of your policy benefit.

10 Living Benefits - Critical Illness Rider The Critical Illness Rider allows you to advance up to 95% of your policy s death benefit for: Life threatening cancer Heart attack Stroke Major organ failure Amyotrophic Lateral Sclerosis (ALS) You choose the percentage to advance, and the remaining benefit stays in place for your beneficiary. Critical Illness Rider is not available in CT.

11 Living Benefits - Terminal Illness Rider Advance up to 95% of your policy s death benefit if you are diagnosed with a terminal condition and a life expectancy of 12 months or less. You can use the money however you like, whether it s to pay for the high cost of medicine or to take a trip to visit your loved ones.

12 Living Benefits - Chronic Illness Rider With the Chronic Illness Rider, you can advance up to 24% of your policy s death benefit each year if you: Suffer a severe cognitive impairment; or Become unable to perform two of the six activities of daily living Activities of Daily Living Bathing Toileting Transferring Eating Continence Dressing In CT, the benefit may also be used if the insured is permanently confined at home or in an institution.

13 Living Benefits Use the benefit for what you need the most There are no restrictions on how the money can be spent. You can use it for whatever you need. Pay for costly medicine or medical bills Hire needed help Pay living expenses Make necessary modifications to your home Take the trip of a lifetime

14 Living Benefits Peace of mind when you need it most All three riders can be added to your policy at no additional premium. There is a cost only if you receive an advance on the policy s death benefit. The amount you receive would be based on your life expectancy at the time you request the advance. The policy stays in force with a reduced benefit and reduced premiums after an accelerated benefit is paid. Receipt of accelerated benefit may affect eligibility for public assistance and may be taxable.

15 Added Benefit - Unemployment Waiver of Premium* Unemployment Waiver of Premium benefit is included at no extra cost Premiums can be waived for up to six months if you become unemployed for four weeks or more after the policy has been in effect for two years. Getting a Columbian policy with Living Benefit Riders and the built-in Unemployment Waiver will give you more protection than a typical term policy, and those extra benefits won t add a penny to your premiums. *Unemployment Waiver not available in CT, FL, MA, MD, ME, NY, TN or VT.

16 Term Life Insurance Plans Talk to your agent about getting a term life policy from Columbian. Available from $25,000 to $250,000 No medical exam or blood test required Guaranteed level premiums for 15, 20 or 30 years Renewable to age 95 Convenient payment options You ll be able to rest assured that your loved ones will be taken care of when you die, and you ll be taken care of while you re living.

17 Columbian Life Insurance Company is not licensed in every state. For complete terms, refer to Policy Form Nos. 1F595, 1F596, 1F597, 1F598, 1F599, 1F580-CL, 1F581-CL, 1F582-CL, 1F585-CL, 1F586-CL, 1F589-CL, 1F590-CL, 1H906, 1H907, 1H908, 1H906-CL, 1H907-CL and 1H908-CL or state variation. Product availability and specifications may vary by state. For use with consumers.