Family sitting at table

Helping to Provide You Security Now & Flexibility for the Future With Nautical Term® Life Insurance

Throughout life, there may be times when you only need life insurance for a specific period of time. Or, you may not need permanent life insurance quite yet, but still want coverage. Nautical Term Life Insurance can help with full life insurance coverage for a specific number of years. And — if an unfortunate event occurs — Nautical Term provides tax-free benefits to your beneficiaries at a time when they need them most. Whether you want to help protect your family's home, education plans, a business loan or key business personnel, choose Nautical Term Life Insurance.

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

AGES FACE AMOUNTS
18-75; 10-year term $150,000; 10-year term
18-70; 15-year term 
$100,000; 15-, 20- & 30-year term 
18-65; 20-year term1
18-50; 30-year term2

Key Features of Nautical Term® Life Insurance

Nautical Term Protection
Life insurance protection that costs less than a permanent life insurance policy
Death Benefit is Tax Free
Death benefit is income tax-free
Replaces Key Income
Replaces key income for your family or business upon your death
Premium Amount Stays the Same
Premium amount stays the same for the length of the term
Converted Into A Permanent Life Insurance Policy
Can be converted into a permanent life insurance policy up to age 70 or when the term ends
providing benefits

Built-In Benefits of Nautical Term Life Insurance

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
optional riders to enhance your policy

Optional Riders for Term 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.
Accidental Death Benefit Rider
Pays an additional amount in addition to the death benefit if you die in an accident
Accidental Death and Specific Loss Rider
Pays an additional amount if you die in an accident or incur the loss of an essential body part
Children's Term Rider
Covers eligible children ages 15 days to 18 years, until age 23
Other Insured Term Rider
Provides term insurance to age 954
Return of Premium Rider
Returns all paid premiums at the end of the term period on 20- and 30-year plans
Waiver of Premium Rider
Waives all premiums if you become disabled

Find Out More About Nautical Term Life Insurance

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Give us a call

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IMPORTANT DISCLOSURES

1 With addition of Return on Premium Rider, ages adjust to 18-55.
2 With addition of Return on Premium Rider, ages adjust to 18-45.
Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values. Life Plus Accelerated Death Benefit Rider not available in CA.
4 Other Insured Term Rider is referred to as Covered Person Term Rider in NJ.  Subject to insurability.

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

Term Life Insurance Policy Series CL 83 0405, and Accidental Death Rider Series CLR-29, Accidental Death and Specified Loss Rider Series CLR-30, Disability Waiver of Premium Rider Series CLR-82, Accelerated Death Benefit Rider Series CLR-161 1208 and CLR-201 1208, Children's Term Rider Series CLR-162 0405, Other Insured Term Rider Series CLR-163 0405, Return of Premium Rider Series CLR-164 0703 issued by Columbus Life Insurance Company.

Nautical Term Renewable and Convertible Term Life Policy, rider benefit provisions and feature availability may vary by state. Check the state variation. 

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by Columbus Life Insurance Company. Products are backed by the full financial strength of Columbus Life. Columbus Life Insurance Company does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation.

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.

This site is intended to provide a general overview of our products. Please review each product's Client Guide for full product details.

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