Just completed my first telesales with Columbian. If the recording worked, it was a fairly painless process but I would still much rather be face to face. This was a situation where the insured was in one town;r the payor/owner in another and I was in another so I had to do two voice authorization calls.. one with the insured and another with the owner. I did a paper app and then called in for the voice signatures.. Was a pain having to read the disclosers over the phone for the recording.. I prefer someone else to take care of that.. Taking the app and doing both phone calls took about a total of 50 minutes.. Now, to see if they issue.