SIMPLIFIED ISSUE LIFE INSURANCE

 Columbian Mutual Life will issue Up to

$25,000 at Ages 15 to 85 

Can your client answer "NO" to each of these questions:

1. Is the proposed insured currently hospitalized, confined to a nursing home, hospice or bed, institutionalized, receiving home health care, waiting for an organ transplant or, within the last 12 months, received kidney dialysis?

2. Has the proposed insured ever been diagnosed or treated by a member of the medical profession for an Immune Deficiency Disorder, Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC?

3. Has the proposed insured been diagnosed as having a terminal medical condition that is expected to result in death within the next 12 months?

4. Prior to age 25, has the proposed insured had, or been diagnosed with or received treatment for mental retardation, cerebral palsy, muscular dystrophy, spina bifida, cystic fibrosis or un-operated heart defects?

If your client can truthfully answer "NO" to each of the above questions they qualify for a Graded Benefit Policy with an Ultimate Face Amount of up to $15,000.
 

 Can your client answer "NO" to each of these questions?

1. Has the proposed insured ever been diagnosed with congestive heart failure, Alzheimer's disease, dementia, kidney failure or Lou Gehrig's disease?

2. During the past 24 months has the proposed been diagnosed as having: a stroke, heart attack, aneurysm, enlarged heart, angina, pacemaker implant or any procedure to improve the circulation to the heart or brain?

3. During the last 36 months, has the proposed insured had, been diagnosed or received treatment (including taking medication) for:
         A.   Any form of cancer (other than basal cell skin cancer?
         B.   Emphysema, chronic obstructive pulmonary disease (COPD), black lung disease or any
                other chronic respiratory disorder, excluding asthma?
         C.   Kidney disease, kidney failure, liver disease, drug or alcohol avuse?
         D.   Multiple Sclerosis, Parkinson's Disease,  or psychosis?

4. During the last 24 months has the proposed insured experienced complications of diabetes,
   including:  insulin shock, diabetic coma, amputation, eye or kidney disorder or diabetes not
   under control with current medication?    

If your client can truthfully answer "NO" to each of the above questions they qualify for a Policy with Full Immediate Benefits with a Face Amount of up to $25,000.