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Help Provide Financial Protection for Your Future With Life Insurance

Protection for What Matters Most

Real Life Insurance Solutions

Life insurance is key to a complete financial plan. Whether you need the temporary protection of term, or a more permanent solution like universal life, a Columbus Life insurance professional can help you make the right choice based on where you are in life, how long you will need coverage and whether you want the opportunity to build money inside your life insurance policy — called cash value. Plus, we offer riders that can add value to your policy, providing benefits while you’re alive and estate protection 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.

Indexed Explorer NowTM Rapidly Issued Universal Life Insurance

Indexed Explorer Now offers life insurance protection and potential long-term cash value accumulation provided through indexed interest crediting with a rapid issue underwriting process that does not require a physical exam.

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.

Expedition SIULTM Survivorship Indexed Universal Life Insurance

Expedition SIUL™ provides coverage for two people with cash value accumulation potential, downside protection from market fluctuation and a flexible design that can be customized for wealth transfer and business planning needs.

Indexed Universal Life: When Flexibility and Growth Potential Matter

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.


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 Rider2 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.3

1 Index returns do not guarantee that the policy will stay in force.
Product provisions, availability, definitions and benefits may vary by state.

3 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, Cincinnati, Ohio is a member of Western & Southern Financial Group, Inc.


Flexible Premium Universal Life Insurance Policy series ICC10 CL 87 1006 and ICC19 CL 85 1901, Flexible Premium Adjustable Life Policy with Indexed Options Policy series ICC17 CL 88 1708 and ICC21 CL 94 2103, Flexible Premium Survivorship Adjustable Life Insurance Policy With Indexed-Linked Interest Options Policy series ICC19 CL 92 1908, Term Life Insurance Policy series ICC19 CL 83 1901. Accelerated Death Benefit Rider series CLR-137 1208, CLR-143 1208, CLR-179 1208, CLR-161 1208, CLR-201 1208 and CLR-202 1409. Product and rider provisions, availability, definitions, and benefits may vary by state.
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.