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Columbian Life

Columbian Mutual Life is the parent company of the Columbian Financial Group, which has been in business since 1882. The firm offers a final expense (or burial) insurance product called Dignified Choice, which it describes as a simple way to cover your final expense costs. The application process involves a telephone interview for full benefit policies. Once you’ve been accepted, you are assured of premiums that will never increase, regardless of age or health. Columbian Life also guarantees that your death benefit will never decrease

Can I cancel a burial insurance policy?

It is normally impossible to cancel a burial or final expense insurance policy. You can decline to pay your premiums, and after a certain amount of time the insurance company will void your policy. If this happens, you are automatically ineligible to receive a refund on premiums that you’ve already paid. The only other way to cancel a burial insurance policy is in the case of fraud by the insurance company.

Will a funeral home accept payment with burial insurance?

Final expense policies, also known as burial insurance policies, usually distribute their death benefits in cash to the persons listed on the policy as the beneficiary. There are no restrictions on the use of said cash. Beneficiaries may use it to pay a funeral home, or to conduct any other business or purchases that they deem necessary.

Can I obtain burial insurance even though I have health issues?

Burial insurance is intended to help people who have illnesses that aren’t terminal. Many terminal health conditions will prevent you from qualifying for burial or final expense insurance. If you have a terminal illness, your best bet is to obtain quotes from many different insurance companies. Most of them will ask you to fill out a health-related questionaire, though few of them require medical exams. If you do not have a terminal illness, you should be able to obtain burial insurance quickly and easily from a large number of companies.

How to get started

If you are already a Columbian Life insurance customer, you should contact your local office and inquire about a final expense policy. If you are a prospective customer, you can obtain a quote on its website, or you may call the company using the information below. You may also shop for policies using our comparison tool by clicking on the following link.

Financial Strength Ratings

AM Best – B++, Stable outlook
Moody’s – No rating
Standard & Poor – No rating

Company contact info

Columbian Mutual Life
4704 Vestal Pkwy E
Vestal, NY 13850
(800) 423-9765