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Life Insurance

Protection for What Matters Most

Help Provide Financial Protection for Your Future With Life Insurance

Life insurance is an essential part of a complete financial plan. Whether you need the temporary protection of term, or a more permanent solution like universal life, your independent life insurance professional appointed with Columbus Life can help you make the right choice. The type of life insurance you should choose depends on your life stage, where you are in your life, how long you will need coverage and whether you want the opportunity to build money inside your life insurance policy — called cash value. Life insurance also includes specialized riders that may be combined with your policy to help provide benefits while you are still living, and protection for your estate when you die.

Universal Life Insurance

Universal life insurance can offer the best of two worlds — a fixed amount of coverage with a tax-deferred, cash accumulation account based on current interest rates. Indexed universal life, a specific type of universal life insurance, builds cash value inside your policy through indexed interest credits, and can provide protection from downside market index risk through a minimum interest rate guarantee1.

Indexed Explorer Plus® Flexible Premium Universal Life Insurance

Indexed Explorer Plus Indexed Universal Life Insurance can provide life insurance protection for the future and help build cash value to use during your lifetime.

Voyager Universal Life® Insurance

Voyager Universal Life from Columbus Life includes a lifetime no-lapse guarantee that ensures your life insurance protection, as long as the premiums are paid.

Explorer Plus® Universal Life Insurance

Explorer Plus Universal Life Insurance helps protect those you care about while building potential income for yourself with a no-lapse guarantee option to give you flexibility.

Indexed Universal Life 101

Columbus Life’s Indexed Universal Life (IUL) Insurance helps provide death benefit protection today and flexibility to cover future needs.

Term Life Insurance

There may be times when you need financial protection for only a limited time. Term life insurance can provide maximum protection and costs less than a permanent plan of insurance. Term life insurance can also be converted to a more permanent life insurance plan at a later time up to age 70 or when the term ends .

Nautical Term® Life Insurance

Nautical Term Life Insurance provides full life insurance coverage for a specific time period. Policies available with terms of 10, 15, 20 or 30 years.

Survivorship Universal Life Insurance

Survivorship universal life insurance is a flexible premium life product that insures the lives of two people with the death benefit payable when the second person dies. It can be a key part of your financial strategy2 to ensure that funds are available for your loved ones when they need them most.

Legacy Plus Survivorship Universal Life

Legacy Plus Survivorship Universal Life Insurance covers two people in one policy, making it flexible enough for estate planning and business planning scenarios.

Rider

The Life Plus Accelerated Death Benefit Rider gives you the flexibility to access part of your policy's death benefit while you're still living. This money can then be used to help pay medical bills, mortgage and home maintenance costs, or even the trip of a lifetime. For additional important information about disclosures, view the Life Plus Accelerated Death Benefit Rider page below.

Life Plus Accelerated Death Benefit Rider®

The Life Plus Accelerated Death Benefit Rider3 provides an advance of a portion of a death benefit if you are eligible as a result of chronic illness, terminal illness and specified medical conditions.

The Power of Living Benefits

Columbus Life’s Accelerated Death Benefit Rider gives you the power to access a portion of your life insurance policy’s death benefit while you are still living.4

IMPORTANT DISCLOSURES
1 Index returns do not guarantee that the policy will stay in force.
2 Lifetime benefits are subject to policy having sufficient cash value; use of cash value may reduce death benefit

3 Product provisions, availability, definitions and benefits may vary by state.
4 We recommend that you contact your tax advisor when making decisions about electing to receive benefits from any accelerated benefit product, as the owner may incur a tax obligation.

Payment of the benefits of Columbus Life Insurance Company products is backed by the full financial strength of Columbus Life Insurance Company, Cincinnati, Ohio. Guarantees are based on the claims-paying ability of the insurer. Earnings and pre-tax payments are subject to ordinary income tax at withdrawal. Withdrawals may be subject to charges. Neither Columbus Life Insurance Company nor its agents, offer tax advice. For specific tax information, consult your attorney or tax advisor. The information provided is for educational purposes only. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.

Columbus Life Insurance Company is a member of Western & Southern Financial Group, Inc.  

Term Life Insurance Policy Series CL 83 0405, Flexible Premium Universal Life Insurance Policy Series CL 85 0707, ICC10 CL 87 1006 and Flexible Premium Adjustable Life Policy with Indexed Options ICC17 CL 88 1708, Flexible Premium Survivorship Universal Life Insurance Policy CL 89 0806. Accelerated Death Benefit Rider series CLR-202 1409 and CLR-201 1208 issued by Columbus Life Insurance Company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.