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Indexed Explorer NowTM Rapidly Issued Universal Life Insurance

Ideal for individuals who need permanent life insurance coverage plus flexibility and are interested in the quickest application process possible. Indexed Explorer Now provides an opportunity to build tax-deferred Account Value that can be used later to provide supplemental income. Indexed Explorer Now has many other features to help you design a solution for your situation.

With your Columbus Life representative, you can design an Indexed Explorer Now policy that will help create a solid financial foundation today with valuable life insurance protection, while building Account Value that can help provide flexibility and a sense of a financially stable future. The rapid issue underwriting process allows your coverage to be active sooner.

AGES FACE AMOUNTS
18-60 $25,000–$1,000,000; ages 18-50
  $25,000–$250,000; ages 51-60
  Non-Tobacco Plus, Tobacco Plus, Non-Tobacco, Tobacco (for all ages listed above)

Key Features of Indexed Explorer Now Rapidly Issued Universal Life Insurance

No paramedical examination required 
Issued with one of four underwriting classes
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
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 Now

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
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 Now

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
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 Now Rapidly Issued Universal Life Insurance

Indexed Explorer Now Universal Life Insurance Client Guide (PDF)

J.P. Morgan Balanced Growth℠ Index 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

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

Explorer Plus® Universal Life Insurance

Explorer Plus Universal Life Insurance helps protect those you care about while building potential income for yourself with a no-lapse guarantee option.
Learn More About Explorer Plus 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. 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.

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. Additional Index Accounts may be added or existing Index Accounts may be eliminated for new allocations.

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. 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.

Index returns do not guarantee that the policy will stay in force.

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. Indexed Explorer Now 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 Indexed Explorer Now 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.

Product and rider provisions, availability, definitions, and benefits may vary by state. Flexible Premium Adjustable Life Policy with Indexed Options ICC21 CL 94 2103; Enhanced Cash Value Rider series ICC21 CLR-210 2102; Overloan Protection Rider series CLR-178 0707; Accelerated Death Benefit Rider series CLR-202 1409; Supplemental Coverage Rider series ICC21 CLR-211 2105; Children’s Term Rider series ICC18 CLR-135 1803; Disability Credit Rider series CLR-174 0707; 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 is a member of Western & Southern Financial Group, Inc.