Columbian Final Expense

1. Columbian Final Expense Dignified ChoiceRClassic Series

2. Columbia Life Insurance Company • Columbian Mutual Life, located in Binghamton, NY, has been in business for over 125 years (established 1882) • $6.9 Billion Life Insurance is in force across all product lines for Columbian Mutual and Columbian Life* • A.M. Best's rating of A- (Excellent)** • Columbian Life is admitted in 45 States and 1 Territory • Niche Market Focus • Core Lines of Business • Final Expense • Pre-need • Home Service

3. State Markets: Approved and Released • Classic I & II Am. Samoa Iowa Oregon Arizona Kentucky Pennsylvania California Louisiana Rhode Island Colorado Maryland South Carolina Connecticut Michigan South Dakota Delaware Missouri Tennessee DC Nebraska Texas Florida New Hampshire Utah Georgia New Jersey Virginia Hawaii New Mexico Wisconsin Idaho New York* Wyoming Illinois Ohio Indiana Oklahoma

4. State Markets: Approved & Released • Classic I only Arkansas Minnesota West Virginia Kansas Nevada Massachusetts North Carolina

5. Product Overview – Classic I • Full benefit whole life insurance with simplified underwriting and level premiums. • Death Benefit – immediate full coverage with level death benefit in all years • Underwriting – age LAST birthday • all health questions answered “no” • MIB • Telephone interview at point of sale

6. Classic I, cont’d • Classifications: • Juvenile (0 -17) • Non-tobacco (18-85) • Tobacco (18-85) • Available riders: • Accelerated Death Benefit • Accidental Death Benefit • Children’s Term • Waiver of Premium (Disability) • Nursing Home Waiver of Premium

7. Classic I, cont’d • Issue Limits/Face Amounts • 0 - 30 $10,000 - $25,000 • 31 - 50 $ 7,500 - $25,000 • 51 - 59 $ 5,000 - $25,000 • 60 - 85 $ 2,500-$25,000 • Height/Weight guidelines (Classic I & II) • Max Weight Male: 325 lbs • Max Weight Female: 275 lbs

8. Classic II (not available in AR, KS, MA, MN, NC, NV, WV) • Graded benefit whole life insurance with simplified underwriting and level premiums • Death Benefit • Return of premiums plus 6% interest for non-accidental death occurring within the first two years of the policy years. • Full face amount for accidental death occurring within the first two policy years or for death by any cause in year three or thereafter

9. Classic II, cont’d • Underwriting • Any Part 2 health question answered “yes” • MIB • Available Rider • Accelerated Death Benefit Rider • Classification • Graded Benefit

10. Classic II, cont’d • Issue Limits • Ages Face Amount • 21 – 30 $10,000 - $15,000 • 31 – 50 $ 7,500 - $15,000 • 51 – 59 $ 5,000 - $15,000 • 60 – 70 $ 2,500 - $15,000 • 71 - 85** $ 2,500 - $10,000 • **Max issue age for GB policy in MO is 75 • Max issue age in NJ is 77 for males; 82 for females. • Policy/rider specs and availability may vary by state. Issue ages may vary by state.

11. Application Health Questions • Any questions answered “yes” do not submit

12. Application Health Questions • Full Benefit (all questions answered “no”) • Graded Benefit (only if “yes” to any question)

13. Application Health Questions • Full Benefit available for tobacco or non-tobacco

14. Premium Examples – FemaleClassic I – Full Benefit Insurance Plan

15. 10 Important Items to Speed Processing • Indicate whether the policy is to be mailed to the Agent or Owner. • Be sure to calculate premiums using the age as of the last birthday. • If the Owner is other than the Insured, include the Owner’s address. • Indicate the relationship of the Primary and Contingent Beneficiary to the Insured. • For bank drafts, include a voided check and complete the Request for Electronic Funds Transfer Plan on page 2 of the application. Select a draw date by checking one of the dates in “I request withdrawal of payments on or about the 1st, 3rd, 5th, 10th, 15th, 20th, or 25th of each month.”

16. 10 Important Items to Speed Processing 6. If the Owner requests that the first premium drafted from an account, indicate “0” under Amount Paid with Application (Section 4) and write “Draft First Premium” in Special Requests/Remarks (Section 7). 7. Please mark either “yes” or “no” for the Automatic Premium Loan question (Section 4). The Automatic Premium Loan is not available in South Carolina. 8. Answer both questions regarding replacements in Section 6. 9. In Section 9, be sure to indicate City and State where the application was signed. 10. A telephone interview is required on Full Benefit Policies. When the interview is conducted from the Applicant’s home, it allows you to close the sale and greatly speed policy issue. Please refer to the Telephone Interview Brochure, Form No 4780CFG for details on how to arrange the interview.

17. The Telephone Interview • Conduct at the Point of Sale • Call 800-737-6972 • Interviewers are available: • Monday-Friday 8:30 a.m.-12:00 a.m. EST • Saturday 10:00 a.m. – 4:00 p.m. EST • Make sure you have the application completed and the HIPAA form signed.

18. 30% Rule – Monitoring and Enforcement • Application for Classic II GBL should not exceed 30% of the total number of Final Expense Plans submitted to Columbian • If, at any time, your GBL percentage exceeds 30%, Columbian will inform you that you have 30 days in which to bring the percentage to an acceptable level or face suspension of the privilege to sell GBL. The company reserves the right to terminate anyone’s appointment at any time during the 30-day time period should the majority of applications remain GBL. • Your percentages for the week, month and year are posted in the Application History section of your online reports at www.cfglife.com.