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Providing You Choices to Help Shape Your Retirement With Advantage Fixed Indexed Annuity

Having choices gives you the opportunity to shape your future. The Advantage Fixed Indexed Annuity gives you both choice and potential in one contract that can help prepare your path to retirement security. With growth potential in six allocation options — three of them linked in part to market indexes — you can allocate your premium among all these choices, or just a few. It's up to you.

This product has specific eligibility requirements.

AGES PREMIUMS
18-85, tax qualified & non-tax qualified $15,000 minimum single premium
45-80 GLWB Rider No subsequent premium

Key Features of Advantage Fixed Indexed Annuity

Split premium among six allocation options to help your money grow
Allocation options include two linked to the S&P 500® Index, three linked to a custom-designed GS Momentum Builder® Multi-Asset Class Index from Goldman Sachs with downside protection from negative change over the crediting period & a fixed interest option
policy loans
Optional Guaranteed Lifetime Withdrawal Benefit¹
clic interest rates
Interest rates can never be negative, even if the index goes down
protecting the death benefit
Interest, once credited, can never be lost due to index decline
providing benefits

Available Benefits of Advantage

Advantage's optional Guaranteed Lifetime Withdrawal Benefit may be able to help you secure predictable, sustainable income for life. The lifetime payout may provide a guaranteed income stream that can last a lifetime, and the amount cannot be exhausted by market losses or guaranteed withdrawals2. A guaranteed withdrawal allows you to withdraw funds from your annuity, while continuing to draw lifetime income benefits. 

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IMPORTANT DISCLOSURES

1 This optional rider is only available at issue and for an additional charge - 0.95% (1.50% max) of benefit base. Either the individual or spousal benefit can be selected. Spousal benefit not available in CT. In OR, spouse includes domestic partner, except as required by Section 72(s) of the Internal Revenue Code. Individual (and covered spouse, if spousal coverage is elected) must be age 45-80.
2 Regardless of the account value provided voluntary reductions are limited to the annual lifetime payout amount (LPA).
3 Interest earnings grow tax deferred until received. Distributions from non-qualified annuities and IRAs are subject to ordinary income tax. Distributions from a Roth IRA are tax free after age 59½ if the plan has been established for at least five years. Withdrawals prior to age 59½ may incur a 10% IRS penalty tax in both Traditional IRA and Roth IRA plans and in non-qualified annuities.

Annuity contracts have terms and limitations for keeping them in force. Please contact a financial representative for complete details.

The “S&P 500” is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and has been licensed for use by Columbus Life Insurance Company. Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Columbus Life Insurance Company. Advantage is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500.

This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman, Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively referred to as “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the advisability of investing in annuities generally or in fixed indexed annuities or the investment strategy underlying this fixed indexed annuity, particularly, the ability of the GS Momentum Builder® Multi-Asset Class Index to perform as intended, the merit (if any) of obtaining exposure to the GS Momentum Builder® Multi-Asset Class Index, or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the GS Momentum Builder® Multi-Asset Class Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF GS MOMENTUM BUILDER® MULTI-ASSET CLASS INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR Page | 6 Advertising Review – Product Specific Procedures Last updated 05/18/2017 ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

“Goldman Sachs,” “Goldman,” “GS Momentum Builder®,” and “GS Momentum Builder® Multi-Asset Class Index” are trademarks or service marks of Goldman, Sachs & Co. LLC and have been licensed for use by the insurance company issuing this annuity for use in connection with certain fixed indexed annuities.

Earnings and pre-tax payments are subject to ordinary income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty. Neither Columbus Life, nor its agents, offer tax advice. For specific tax information, consult your attorney or tax advisor. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Product and feature availability, as well as benefit provisions, varies by state. See your financial professional for product details and limitations.

Product issued by Columbus Life Insurance Company, Cincinnati, OH. Columbus Life is licensed in the District of Columbia and all states except New York, and is a member of Western & Southern Financial Group, Inc. Single Premium Deferred Annuity Contract with Indexed Interest Options series ICC14 ENT-03 1406, Guaranteed Lifetime Withdrawal Benefit Rider series ICC14 ER.03 GLWB-I 1406 and ICC14 ER.04 GLWB-S 1406, ICC14 EE.21 GMAV-7 1406 and ICC14 EE.22 GMAV-10 1406,ICC14 EE.23 SI-MY-PTP 1406, ICC14 EE.23 SI-PTP 1406, ICC14 EE.23 SI-MA 1406, ICC15 EE.23 SI-OY-PTP 1511, ICC14 EE.24 ROP 1406, ICC14 EE.25 WWC 1406.

Payment of the benefits of Columbus Life Insurance Company products is the obligation of, and is guaranteed by, Columbus Life. Guarantees are based on the claims-paying ability of Columbus Life. Products are backed by the full financial strength of Columbus Life Insurance Company, Cincinnati, Ohio. 

Advantage is not a security. It does not participate in the stock market or any index. It is an insurance contract designed to help you address your long-term retirement income needs. Advantage is a single premium fixed indexed annuity, which is a type of fixed annuity that earns interest based on changes in a market index, which measures how the market or part of the market performs.

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