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Indexed Explorer Plus® Flexible Premium Universal Life Insurance

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 money1 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 Indexed Explorer Plus.
 
This product has specific eligibility requirements. We have multiple face amount options available to fit your needs. 

AGES FACE AMOUNTS
0-79 $25,000 juvenile; ages 0-19
  $25,000 standard; ages 20-79
  $100,000 preferred; ages 20-79

Key Features of Indexed Explorer Plus Flexible Premium Universal Life Insurance

One fixed & three indexed account options to help money grow inside your policy (sufficient premium must be paid to more than cover costs)
Three global indexed account options use the performance of the S&P 500®
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
Income tax-free death benefit³
Payment flexibility to increase, decrease or suspend premiums (sufficient premium must be paid to maintain coverage)

Built-In Benefits of Indexed Explorer Plus

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
Change of Insured Rider
Allows for a change of who is insured on the policy (corporate-owned policies only)
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 Indexed Explorer Plus

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
Accidental Death Benefit Rider
Pays an additional amount in addition to the death benefit if you die in an accident
Children's Term Rider
Covers eligible children ages 15 days to 18 years, until age 23
Disability Credit Rider
Provides a monthly premium credit after six months' total disability6
Insured Insurability Rider
Allows for an increase in specified amount of insurance regardless of health7
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)
Supplemental Coverage Rider
Provides permanent coverage along with insured base coverage

Find Out More About Indexed Explorer Plus Flexible Premium Universal Life Insurance

Indexed Explorer Plus Universal Life Insurance Client Guide (PDF)



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Nautical Term® Life Insurance

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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.
6 Disability Benefit Rider in GA, MD and OK.
7 Guaranteed Insurability Rider in MD and TX.

Indexed Explorer Plus is issued by Columbus Life Insurance Company, a member of Western & Southern Financial Group, Inc.  At Western & Southern Financial Group, Indexed Explorer Plus is offered through Western & Southern Life.

IUL 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. 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” 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. Indexed Explorer Plus 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.

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. Withdrawals may be subject to charges. 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. Product and rider provisions, availability, definitions, and benefits may vary by state. 

Indexed Explorer Plus Flexible Premium Universal Life Policy and some riders may not be available in all states. Benefits vary by state. Check the approved state variation. Flexible Premium Adjustable Life Policy with Indexed Options series ICC17 CL 88 1708; Enhanced Cash Value Rider series ICC21 CLR-210 2102; Overloan Protection Rider series CLR-178 0707; Accelerated Death Benefit Rider series CLR-202 1409, CLR-143 1208 and CLR-137 1208; Supplemental Coverage Rider series ICC19 CLR-176 1901; Change of Insured Rider series CLR-160 0308; Other Insured Term Rider series ICC18 CLR-177 1803; Children’s Term Rider series ICC18 CLR-135 1803; Disability Credit Rider series CLR-174 0707; Insured Insurability Rider series CLR-138 0101; Accidental Death Benefit Rider series CLR-136 0101; 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.