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Helping You Transfer the Assets You’ve Built With Legacy Plus Survivorship Universal Life Insurance

As you consider how to pass on the estate or business assets that you've both worked so hard for, you need a solution that's as distinctive as your accomplishments.
Legacy Plus Survivorship Universal Life Insurance is flexible enough to meet a variety of estate planning and business planning challenges, including wealth transfer, charitable gifts and business succession. And, since it pays after two people have passed on, it may cost less than having two separate policies.

This product has specific eligibility requirements.

20-79 $100,000; ages 20-79

Key Features of Legacy Plus Survivorship Universal Life Insurance

Insures the lives of two people — family or key business personnel
Built-in 10-year no-lapse guarantee option, providing the security of a death benefit as long as minimum premiums are paid
Tax-free income through policy loans or withdrawals¹
Potential retirement income or income replacement for a survivor after the other has passed away²
Income tax-free death benefit paid upon second death

Built-In Benefits of Legacy 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 met3
Overloan Protection Rider
Prevents policy lapse due to loans4
Policy Exchange Option
Permits conversion into two equal individual universal life insurance policies should a divorce or significant estate tax law changes occur
10-Year Minimum Premium No-Lapse Guarantee Benefit
Provides security of a guaranteed death benefit for the policy's first ten years5

Optional Riders for Legacy Plus Survivorship Universal Life Insurance

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
Reduces cash surrender charges during the policy's first five years
Estate Protection Rider
Provides protection from estate taxes if both insureds die within first three years of policy
Other Insured Term Rider
Provides term insurance to age 956

Find Out More About Legacy Plus Survivorship Universal 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

1 Loans accrue interest. Loans and withdrawals may be subject to additional charges and fees. Loans and withdrawals will reduce the Death Benefit and cash surrender value and may cause the policy to lapse. Lapse or surrender of a policy with an outstanding loan may result in taxable income. 
2 Lifetime benefits are subject to policy having sufficient cash value; use of cash value may reduce death benefit.
3 Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values.
4 Certain conditions must be met at the time of the election, and certain changes apply to the policy after election. 
5 Continued Coverage Benefits in IL. Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active. 
6 Other Insured Term Rider is referred to as Covered Person Term Rider in NJ.  Subject to insurability.

Flexible Premium Survivorship Universal Life Insurance Policy Series CL 89 0806, Accelerated Death Benefit Rider Series CLR-137 1208, CLR-143 1208, and CLR-202 1409, Overloan Protection Rider Series CLR-178 0707, Enhanced Cash Value Rider Series CLR-173 0707, Estate Protection Rider Series CLR-182 0806, Other Insured Term Rider Series ICC18 CLR-177 1803 issued by Columbus Life Insurance Company.

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

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.

Product and rider provisions, availability, definitions, and benefits may vary by state.

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.