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Competitive Life Insurance & Annuity Products Supported by a Heritage of Financial Strength

Our competitive products, innovative technology and personalized support are driven by an unwavering commitment to our producers and policyholders. That’s what makes Columbus Life different.

Discover Columbus Life Insurance Company

Since our predecessor was founded as Columbus Mutual in 1906, Columbus Life Insurance Company has consistently grown and prospered for more than 100 years. Today, we have more than 3,000 independent financial service representatives marketing our insurance products and services, supported by a diverse and talented home office team of insurance professionals.

At Columbus Life, we believe that we best serve our policyowners through continued support of our financial service representatives. We believe that if they are treated as we would want to be treated, they will market our products and services with greater enthusiasm. More importantly, a strong and friendly relationship with the field representatives will encourage them to develop a long-term relationship with their clients and Columbus Life.

Columbus Life is licensed to sell life insurance and annuities in the District of Columbia and all states except New York. We are a member of Western & Southern Financial Group, a worldwide industry leader in life insurance, annuities, retirement planning, mutual funds investment management and financial services.

Discover the Columbus Life Difference

Columbus Life Insurance Company provides competitive life insurance and annuity solutions that help meet your clients’ retirement, estate planning and advanced business planning goals. We build direct relationships with all of our producers to provide high-touch personalized support to you and your clients. This, along with strong ratings, innovative technology and a rich history, is what makes the Columbus Life difference. 

Discover the Columbus Life Difference

You notice the Columbus Life Difference when you talk with associates, attend our business-building meetings or gather with top producers at our celebrated national conferences. 

Our legacy of consistent financial performance—along with top ratings by industry rating agencies—are the cornerstones of our success.

From our founder Pop Brandon, to long-standing relationships with today’s industry leaders, more than 110 years of tradition drive us as a company built for producers by producers.

Our superior strength backs a portfolio of competitive, flexible products designed to help you build your business. We take a thoughtful approach to product design, with features that are easy to understand and answer your clients’ needs.

When it comes to technology, our solutions help make doing business even faster and easier. 

Our mobile apps, electronic application, electronic policy delivery, and other online tools are designed to put policies in place sooner, and pay commissions even faster.

Columbus Life’s direct contract means you‘re independent, but not alone.

As a Columbus Life producer, you can talk directly with a case underwriter, our Advanced Markets team, or even our CEO about your business. And our concierge-level support means that a real person is always available to meet your business needs and maximize your potential.

Finally, we recognize and reward business achievements through our conferences, sales awards and programs like deferred compensation. 

We partner with accomplished producers who bring passion and dedication to their clients, who are driven to succeed and who expect outstanding results. 

At Columbus Life, the difference is a higher level of commitment and care. We believe that by giving you our best attention and support, you can then provide the best level of service to your clients.

Discover the Columbus Life Difference for Yourself. 

Visit us online at, and learn how you can step up to the next level of success.
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Outstanding Financial Strength

Columbus Life has had a remarkable record of solid financial strength — a strength that was reinforced when Columbus Life became a member of the Western & Southern Financial Group in 1989. Today, our financial strength is reflected in some of the highest ratings in the life insurance industry. 
Discover the Columbus Life Culture With President & CEO J.J. Miller

Built on a culture of over 110 years of financial strength and stability, Columbus Life’s solid foundation helps the company protect producers and clients. Hear from Columbus Life President and CEO, J.J. Miller about Discovering the Columbus Life difference. 

Discover the Columbus Life Culture with President & CEO J.J. Miller

Hi, I’m Rob Deas and today with me in the studio is the CEO of Columbus Life Insurance Company, JJ Miller. Welcome to the studio.

Thank you.

Thank you for joining me today. So year after year, you guys just deliver incredible sales numbers. How do you guys do it?

Well, it’s mainly the people. I have a great group of people that I work with, I’m really blessed that way. It’s also, we have very good products and my people understand that relationships with the distributors is what really makes it work.

I’ve heard a lot of people say about you, even personally, that if they need to get you on the phone, they can. You’re an accessible guy.

Oh, absolutely. I pick my phone up. I don’t have my phone calls screened. I give my cards to all the producers. Any of them can call me any time. 

What do you love best about the actual culture that Columbus Life creates?

Oh, I think the best part, clearly, is the people you get to know and the relationships you get to build. I absolutely love all the relationships that I’ve built over the last 9 years with producers. I have so much fun going to company conventions and being with producers. I mean, it sounds old fashioned, but it’s true. I enjoy coming to work every day and getting to interface with all the people that I am blessed to get to work with.

Now what type of agents does Columbus Life like to do business with?

We have people that are really operate on their own as a personal producing general agent. We have agents that are with an agency, maybe there’s 20, 30 agents. We have some general agents that have huge agencies, you know, scattered around the country. So there’s not really one business model. 

What we look for are agents who, again, like to deal in a upper middle and affluent marketplace, that do a great job for their clients. So that’s what we’re all about is high quality. And we like to attract agents that really like to sell universal life products. That’s where our strong suit is, is universal life including indexed universal life. We’re very good at fixed annuities and we also now have indexed annuities. So those are the type of agents that we want to attract to Columbus Life. But first and foremost is very professional, high caliber, high quality people.

Why would an agency want to do business with Columbus Life?

Well the product is number one. Beyond that, it is relationships. They want to deal with people that care about them and provide good service to them and give them good follow up and answer the phone when they call. And we have just incomparable financial strength. Our company is wonderful at that.
We have very good products, we have very good support in terms of technological support, and then we have people that understand the independent distribution system and really give them great service is what differentiates Columbus Life.

So speaking of technology, how does that fit in with what you guys do at Columbus Life?

Well mainly, technology at Columbus is to support the agents. It doesn’t replace relationships, but it helps them do their business more efficiently all the way from electronic application right through the illustration system, right to the e-policy delivery. We’re actually trying to cut that time period in half. That’s a really aggressive goal. But we think it is possible through the use of a lot of technology. 

What do you see as the future of Columbus Life?

I see Columbus Life continue to give good products, continue to give great support. The financial strength of the company is a given. Western & Southern is so strong. And so I foresee in the near future, we’ll continue to tweak things to make them better, but just continue to do things well as we have been. It’s working, so why change it, you know?

If it’s not broken, don’t fix it.


There you go. What does JJ stand for?

I said I’d answer anything, so I guess I have to. It actually stands for Jimmy Joe.

Is it really?

Absolutely. That’s why it got shortened to JJ by my fraternity brothers in college. Through high school I was Jimmy Joe, starting out in college I became JJ. So and it has been ever since.

Ladies and gentlemen, JJ Miller, the CEO of Columbus Life Insurance Company. Thanks for being here today.

No, thank you.

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Company History

For more than a century, Columbus Life has been committed to improving financial futures and providing real value to both independent producers and policyholders. That was the vision of our founder, and it continues to serve us today.

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