Columbian Life Insurance Company - EnsurEstate -  Single Premium Whole Life (SPWL)

#1 SPWL policy in the country that includes

 Accelerated Benefits for LTC Services

Download the Columbian Life's Contract and get appointed through the Insurance Sales Network of America

• Download The Contract
• Download the Checklist (to Make Sure Your Completed Everything)

If you have questions about the contract or the following product information, please contact us by Email or by phone at:  727-797-0487

Product Information:

Columbian Life's, Single Premium Whole Life Policy includes accelerated benefits so your client can access money for Terminal Illness, Nursing Home Care, Assisted Living Care, and Home Care Services.  Not only can your client receive up to $250,000 from their death benefit (average LTC cost in a nursing home is $142,350), they also have a life insurance policy where the death benefit would be transferred to their beneficiary TAX FREE.

Accelerated Benefits Covered by this SPWL policy that can be used for LONG-TERM CARE COVERAGE:

• 95% of Death Benefit for being diagnosed with a Terminal Illness
• 90% of Death Benefit to be used to pay for care in a Nursing Home or an Assisted Living Facility
• 75% of Death Benefit to be used to pay for Home Care / Extended Care

Most importantly, this SPWL policy will underwrite to table 10.  That is enough to cover 95% of all people looking to buy LTC coverage.  Did you know that the average insurance carrier will only underwrite an LTC policy to table 2?  Now you can see why it is a huge advantage to sell this policy to your customer.

• Underwriting to Table 10

• Coverage for Insulin-Dependent Diabetes, Heart Attack, Angina,  Multiple Sclerosis, Stroke/Tia, and Valve Surgery

• Issue Age:

  • 0-85 (Standard)

  • 0-70 (Substandard Male)

  • 0-75 (Substandard Female)

• Premium: $2,500 to $700,000

• This is a participating policy which means the client receives PAID UP ADDITIONS