Why BuyLife Insurance?

Each of us faces many changes in our lives. Many are exciting and wonderful, but as these changes occur, we may find ourselves in a new place where our insurance is not as complete as we would like it to be.

Consider for a moment, some of the reasons that may cause your insurance needs to change:

We can't see into the future, but we can plan for it. If you have dependents, consider what wouldhappen to them if you were no longer here to support them. How would the quality of their lifeand their future be affected? By planning now, you can continue to provide for your family, even in the case of your death. Life Insurance benefits can be used to Replace Lost Income, Pay for Final Expenses, Pay Outstanding Debts, Pay for your Children's Education.

- Marriage

- Children

- Buying a House

- Starting a Business

- Education Expenses

- Retirement

- Final Expenses

Replace Lost Income - If you have dependents, life insurance can help ensure that your lovedones will be able to maintain a comparable standard of living.

Pay Your Final Expenses - Life insurance proceeds can be used to pay for your funeral expenses and any medical or other final expenses.

Pay Outstanding Debts - You can make sure thatyour family home is protected by providing adequate insurance to pay off the balance of yourmortgage and other debts.

Pay For Your Children's Education - By purchasinglife insurance, you can be sure that the costs ofyour children's education will be taken care of,no matter what the future holds.

Life insurance can provide for your family in the eventuality that you can't. How much lifeinsurance do you need? On the following page is a brief Needs Analysis Form that can be used as a tool to help you determine how much insurance you should currently have.

Completing the Needs Analysis will help to determine the amount necessary to cover your family's life insurance needs.

Fill in the blanks with your current information to determine if you have adequate coverage for you and your loved ones.

Needs Analysis

Important Facts

In 2010-2011, annual prices for undergraduate tuition, room, and board were estimated to be $8,085at a 2-year public institution and $15,918 for 4 years. The average charge for tuition, room, and board at a four-year private institution is $32,617.From U.S. Department of Education, National Center for Education Statistics. (2012). Digest of Education Statistics, 2011 (NCES 2012-001), Table 349.

A traditional funeral, including a casket and vault, costs over $7,000. (From the National FuneralDirectors Association General Price List Survey. Source: www.nfda.org - February 2013.) This does not include additional items such as flowers, memorial cards, family transportation and other miscellaneous items which can add thousands to a funeral.

Income Replacement

Children's Education

Emergency Fund

Mortgage

Other Existing Debts

Burial Expense

Total

- Existing Insurance

- Liquid Assets

- Government Benefits

= TOTAL NEED

Contact a Columbian Agent Today

to Learn More About Our Full Range

of Highly Competitive Life Insurance Products!

www.cfglife.com

Form No. 5106CFG (Rev. 2/13)

Columbian Life Insurance Company is not licensed in every state.

For consumer use.

Columbian has a rich history in the life insurance business. Columbian Mutual Life, our parent company, has been selling policies to provide for our customers insurance needs for over 130 years. The Columbian Financial Group of companies, which includes Columbian Mutual Life Insurance Company, Columbian Life Insurance Company, and other affiliated companies within our corporate family, is built on a foundation of value and service with a standard of dependability you can count on. Our Company has always prided itself on maintaining a solid financial and investment posture to ensure policyholder obligations are met. We offer consumer-oriented products designed for family and business life insurance needs, and provide prompt, accurate and friendly service to our clients.