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Explorer Plus® Universal Life Insurance

While some of life's responsibilities end at retirement, others continue for life. That's why Explorer Plus Universal Life Insurance is designed to last as long as you do and address a wide variety of financial planning needs. Explorer Plus helps protect those you care about most with a life insurance death benefit, while building income potential. Your policy could also help pay for college tuition, make charitable plans, protect your business's key employees or leave a lasting legacy to loved ones. Explorer Plus can provide coverage for your lifetime with flexibility for your life as long as premiums are paid.

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

AGES FACE AMOUNTS
0-85 $25,000 juvenile; ages 0-19

$25,000 standard; ages 20-79

$100,000 standard; ages 20-79
  $100,000 preferred; ages 20-85

Key Features of Explorer Plus Universal Life Insurance

Potential for tax-deferred growth, which means that you don't pay income taxes on your money while it stays within your policy
Access to policy values via withdrawals and loans1
No-lapse guarantee option providing the security of a death benefit as long as minimum premiums are paid
Income tax-free death benefit2
Competitively priced & flexible premium amounts
Payment flexibility to increase, decrease or suspend premiums (sufficient premium must be paid to maintain coverage)

Built-In Benefits of 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 met3
Change of Insured Rider
Allows for a change of who is insured on the policy (corporate-owned policies only)
Overloan Protection Rider
Prevents policy lapse due to loans
10-Year Base No-Lapse Guarantee Benefit
Provides security of a guaranteed death benefit for the policy's first ten years4

Optional Riders for Explorer Plus 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
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 disability5
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
Supplemental Coverage Rider
Provides permanent coverage along with insured base coverage
Extended No-Lapse Guarantee (NLG) Rider (Extended Continued Coverage Benefit in IL) 
Provides either an Intermediate or Lifetime No-Lapse Guarantee as long as the policy meets the premium test.

Find Out More About Explorer Plus Universal Life Insurance

Explorer Plus Universal Life Insurance Client Guide (PDF)

Discover Our Other Products

Indexed Explorer Plus®  Flexible Premium Universal Life Insurance

Indexed Explorer Plus Universal Life can provide life insurance protection for the future and help build cash value to use during your lifetime.
Indexed Explorer Plus Flexible Premium Universal Life Insurance

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.
Indexed Explorer Now Rapidly Issued Universal Life Insurance

Voyager Universal Life® Insurance

Voyager Universal Life includes a lifetime no-lapse guarantee that ensures your life insurance protection, as long as the premiums are paid.
Learn More About Voyager Universal Life Insurance

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.

Expedition SIUL Survivorship Indexed Universal Life Insurance

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.
Learn More About Nautical Term Life Insurance

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. 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 and charges. 
2 Death Benefits from a life insurance policy are generally paid income tax-free to policy beneficiaries.
3 Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values.
4 Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active.
5 Disability Credit Rider is referred to as Disability Benefit Rider in GA, MD and OK.
6 By paying only the minimum No-Lapse Guarantee premium, you may be forgoing the opportunity to build a higher Account Value. At the end of the No-Lapse Guarantee period provided by either the policy or the rider, you may need to make significant additional premium payments. Withdrawals and loan indebtedness will cause an increase in the premium requirement under the Base and Extended Guarantees. Non-payment of the required minimum premium and changes to the specified amount or Death Benefit option may also damage the No-Lapse Guarantee feature. If the rider lapses, it may not be reinstated. All No-Lapse Guarantees take into account the time value of money (at 5.50% annual interest rate) with respect to premium payments and withdrawals.
7 Insured Insurability Rider is referred to as Guaranteed Insurability Rider in MD and TX.

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.

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.

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

Flexible Premium Universal Life Insurance Policy series ICC19 CL 85 1901, Accelerated Death Benefit Rider series CLR-137 1208, CLR-143 1208, CLR-179 1208, CLR-202 1409, Enhanced Cash Value Rider series ICC21 CLR-210 2102; Overloan Protection Rider series CLR-178 0707, Supplemental Coverage Rider series ICC19 CLR-176 1901, Extended No-Lapse Guarantee Rider series CLR-175 0707, 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 Rider series CLR-136 0101 issued by Columbus Life Insurance Company.

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

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