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Simple Security Whole Life

Columbian's Simple Security Whole Life plan is whole life insurance designed for individuals and families who need a small amount of insurance and for those who need to have their premiums collected by an agent.  Simple Security is available in amounts from $5,000 to $15,000 (policies as low as $2,500 for ages 50-85).

As an added benefit, a Common Carrier Accidental Death Benefit is automatically included with your policy at no additional premium if you are between the ages of 25 and 75. The rider pays an additional benefit equal to the face amount of the policy if you die as a result of an accident while a fare-paying passenger in a public transit vehicle.

The variety of riders make it easy to customize the coverage to meet your individual needs:

  • The Accidental Death Benefit Rider  doubles the policy death benefit for accidental death before age 75.
  • The Children's Term Insurance Rider provides $1,000 to $15,000 of level term insurance on your child, grandchild or great grandchild, and you can attach up to 20 riders to your policy.  Each rider can be converted to permanent insurance without evidence of insurability between the ages of 22 to 25 or on the date rider coverage ends.
  • The Primary Insured Term to Age 65 Rider provides level term coverage on your life to age 65.  The rider coverage can be converted to permanent insurance any time while the rider is in effect, regardless of changes to your health.
  • The Other Insured Rider Term to Age 65 Rider  provides level term coverage on one additional person, such as a spouse.  The rider coverage can be converted to permanent insurance with no health requirements.
  • The Waiver of Premium Rider waives payment of premiums if you become totally disabled for at least six months while the rider is in effect.

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This describes Policy/Rider Form Nos. 2F404A, 2F404-CL, 1H871A, 1H871-CL, 1H884A, 1H884- CL, 1H915B, 1H915-CL, 1H906B, 1H916-CL, 1H932A, 1H932-CL, 1H935A, 1H935-CL, 1H936A and 1H936-CL or state variation. Policy/Rider specifications and availability may vary by state.