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Bottom Line Columbian Mutual is now listed as Columbian Life Insurance Company of New York. For final expense coverage, verify the issuer and available product; simplified underwriting uses health questions and can limit initial natural-death benefits or decline coverage. Compare…

Bottom Line If you receive a life insurance offer under Humana's name, confirm the insurer backing the contract. For simplified issue coverage, compare health questions, coverage limits and premiums; avoiding an exam can mean higher costs or a smaller death…

Bottom Line Talcott primarily manages acquired life insurance and annuity contracts, so it's generally not an option for new individual life coverage through independent agents. Existing policyholders may deal with Talcott for payments, beneficiary changes, and claims. Compare new life…

Bottom Line North American's fixed indexed annuities may suit retirement savers seeking index-linked interest without index losses. Gains are limited; optional income riders cost extra. Compare crediting terms and surrender charges on large early withdrawals. Discuss indexed annuity options North…

Bottom Line NYLIFE may fit buyers seeking participating whole life or a limited premium payment period. Dividends aren't guaranteed, and whole life costs more than term coverage. Its term policies may also cost more than competitors' offerings. Compare alternatives to…

Bottom Line Erie may fit existing customers who value a local agent, provided life coverage is available in their state. Bundling may be convenient, but pricing for your age and health can make another carrier a better fit. Compare life…

Bottom Line For a Union National final expense offer, compare its actual death benefit, premium and initial benefit restrictions. Small coverage amounts may suit funeral costs but fall short for income replacement or major debts. Check the policy terms rather…

Bottom Line The Hartford may be useful as an employer-provided life insurance benefit, but coverage limits can leave gaps. Check what happens when you leave your job: coverage may end, and conversion to an individual policy can be significantly more…

Bottom Line Royal Neighbors may fit final expense buyers who value simplified underwriting and a member-owned fraternal society. Simplified issue still involves health questions. Member benefits are non-contractual and can change, so judge the policy's coverage and premium first. Compare…

Bottom Line Brighthouse SmartCare may fit buyers seeking life insurance and long-term care benefits in one policy. Using its death benefit for qualifying care reduces the payout to beneficiaries, and the hybrid coverage is more complex and expensive than term…