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Why Choose Expedition SIUL™ Survivorship?

An integral part of a personalized plan to transfer the value of the estate or business you have built over the years, Expedition SIUL features the flexibility and versatility to meet a variety of planning challenges, including wealth transfer, charitable gifts and business succession. This policy provides Death Benefit coverage for two people — you and your spouse or business partner — paying a Death Benefit at the second death, and is generally less expensive than two separate policies. It’s an ideal solution that helps ensure you are able to pass on your personal or business assets generally tax-free to the beneficiaries of your choice.

A sense of financial stability for your family. Protection for your business. A lasting legacy for the people and organizations that are meaningful to you. Help with security for your loved ones while potentially building money to use during your lifetime. Life insurance may be able to help you achieve all these goals, and you can navigate your financial course confidently with Expedition SIULTM.

This product has specific eligibility requirements.

AGES FACE AMOUNTS
20-79 age last birthday, for each insured
 $100,000 standard; ages 20-79
  $100,000 preferred; ages 20-79

Key Features of Expedition SIUL

Insures the lives of two people – family or key business personnel
One fixed account option and four indexed account options to help money grow inside your policy (sufficient premium must be paid to more than cover costs)

Four global indexed account options use the performance of the S&P 500® Index or the J.P. Morgan Balanced Growth℠ Index
Access to policy values via withdrawals and loans¹
Guaranteed minimum of 2% annual credited interest rate in the fixed account option or guaranteed 1% or 0% annual credited interest rate in the indexed account options²
Payment flexibility to decrease or suspend premiums (sufficient premium must be paid to maintain coverage)
Income tax-free death benefit paid upon second death³

Built-In Benefits of Expedition SIUL

These benefits are automatically available to you as part of your Columbus Life policy. All riders may not be available in all states and may include an additional charge.

Life Plus Accelerated Death Benefit Rider®
Advances a portion of the death benefit when certain medical conditions are met4 after the first insured's death
Policy Split Option
Converts total specified amount into two equal individual universal life policies under certain circumstances
Dollar Cost Averaging Account
Pays premiums systematically into fixed and/or indexed accounts, according to your chosen account options
Overloan Protection Rider
Prevents policy lapse due to loans
Persistency Bonus
Credits your policy each year with a guaranteed bonus, beginning in policy year 11
10-Year Minimum Premium No-Lapse Guarantee Benefit
Provides security of a guaranteed death benefit5 for the policy's first ten years

Optional Riders for Expedition SIUL

Columbus Life also offers several optional riders that can be included in your policy. All riders may not be available in all states and may include an additional charge.

Enhanced Cash Value Rider
Enhances the Cash Surrender Values in earlier policy years by eliminating the surrender charge on the base layer of coverage
Estate Protection Rider
Protects policy owner from estate taxes that may occur when a life insurance policy is transferred to a trust if both insureds die within the first three policy years
Other Insured Term Rider
Provides term insurance to age 95
Premium Deposit Account
Make future premium payments to your policy to help you meet your financial goals (not available in CT and PA)

Find Out More About Expedition SIUL

Effective 4/18/2025, product materials for all states have been updated to reflect the new surrender charge schedules and policy charges. Until these changes are approved in all states, new business in California will continue to be issued with the prior version of the product.

Expedition SIUL Client Guide (PDF)

J.P. Morgan Balanced Growth℠ Index Client Guide (PDF) (Brochure not yet approved for use in DE, NV, ND, and OR)

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Give us a call 866-299-8715 866-299-8715

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Life Plus Accelerated Death Benefit Rider®

The Life Plus Accelerated Death Benefit Rider 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.

Learn More About Life Plus Accelerated Death Benefit Rider
IMPORTANT DISCLOSURES

1 Loans will accrue interest. Cash value may take years to accumulate, unless a large premium is paid up front. Loans and withdrawals may generate an income tax liability, reduce the Account Value and the Death Benefit, and may cause the policy to lapse. Sufficient premium and account value are necessary to cover insurance costs. Index returns do not guarantee that the policy will stay in force.
2 At the time of application, either the Index Accounts with the 1% minimum guaranteed interest rate or the Index Accounts with the 0% minimum guaranteed interest rate must be selected. The Index Accounts with the 0% minimum guaranteed interest rate may have a higher Index Cap Rate, Index Participation Rate, and Index Threshold Rate or a lower Index Spread Rate, as applicable, than the Index Accounts with the 1% minimum guaranteed interest rate during the same period, but this is not guaranteed. The Index Accounts selected at the time of application cannot be changed after the policy is issued.
3 Death Benefits from a life insurance policy are generally paid income tax-free to policy beneficiaries.
4 Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values.
5 Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active.

SIUL is a Universal Life policy. It has insurance related costs. Premiums paid must produce sufficient cash value to pay insurance charges. Indexed returns do not protect against lapse if premiums and returns do not provide sufficient cash value to cover loan interest and insurance costs. Additional Index Accounts may be added or existing Index Accounts may be eliminated for new allocations. Your clients must understand that loan risk means loans may well not be zero cost. Such loan risk and interest costs will reduce account value and will contribute to a risk of policy lapse if account value becomes insufficient to cover charges. 

The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Columbus Life Insurance Company. S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“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. Expedition SIUL 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® Index.

The J.P. Morgan Balanced GrowthSM Index (“Index”) has been licensed to the Columbus Life Insurance Company (the “Licensee”) for the Licensee’s benefit. Neither the Licensee, nor the Expedition SIUL Survivorship Indexed Universal Life product (the “Product”) is sponsored, operated, endorsed, recommended, sold or promoted by J.P. Morgan Securities LLC (“JPMS”) or any of its affiliates (together and individually, “J.P. Morgan”). J.P. Morgan makes no representation and gives no warranty, express or implied, to purchasers of the Product nor does J.P. Morgan have any liability for any errors, omissions or interruptions of the J.P. Morgan Index. Such persons should seek appropriate professional advice before making an investment or purchasing insurance. The Index has been designed and is compiled, calculated, maintained and sponsored by J.P. Morgan without regard to the Licensee, the Product or any policyholder. J.P. Morgan is under no obligation to continue compiling, calculating, maintaining or sponsoring the Index. J.P. Morgan may independently issue or sponsor other indices or products that are similar to and may compete with the Index and the Product. J.P. Morgan may transact in assets referenced in the Index (or in financial instruments such as derivatives that reference those assets). These activities could have a positive or negative effect on the value of the Index and the Product.

Payment of the benefits of Columbus Life Insurance Company life insurance 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.

Withdrawals and surrenders are tax-free up to the cost basis, provided the policy is not a MEC. Neither Columbus Life nor its agents offer tax advice. Please advise your customer to contact their tax or legal advisor regarding their situation. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.


Expedition SIUL is issued by Columbus Life Insurance Company and offered through The Western and Southern Life Insurance Company. Both companies are members of Western & Southern Financial Group, Inc.

Product and rider provisions, availability, definitions, and benefits may vary by state. Flexible Premium Survivorship Adjustable Life Insurance Policy With Indexed-Linked Interest Options Policy series ICC19 CL 92 1908; Enhanced Cash Value Rider series ICC21 CLR-210 2102; Overloan Protection Rider series ICC20 CLR-209 2001; Accelerated Death Benefit Rider series CLR-202 1409, CLR-143 1208 and CLR-137 1208; Other Insured Term Rider series ICC18 CLR-177 1803; Estate Protection Rider series CLR-182 0806; Premium Deposit Account Rider series CLR-205 1708 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.

Columbus Life Insurance Company, Cincinnati, Ohio, is licensed in the District of Columbia and all states except New York.