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Universal Life Insurance Offers You Permanent Coverage With Freedom of Choice

Universal Life Insurance

Universal life insurance offers the best of two worlds — a set amount of coverage with tax-deferred cash accumulation based on current interest rates. This permanent insurance generally provides lower premiums for those people who have life insurance needs that may change in the future, or who desire the cash value build-up universal life policies can provide.

While Universal life insurance policies maintain certain guarantees, they provide benefits that are based on current actuarial assumptions and market conditions, which may change over time. Changes in these assumptions may require additional premium payments in order to meet your needs.

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Choose the Universal Life Policy That's Right For You

Some universal life products offer you the flexibility to design the product to meet your needs, with the ability to increase and decrease the amount of coverage or premium payments as your circumstances change. This flexibility can help you address a wide variety of financial needs.

Benefits Ultra Life® Expedition SIUL Survivorship™ Indexed Explorer Plus® Protection Life
Flexible Premiums* Amount owed adjusts as needs change
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Cash Value Accumulation Cash you receive if you cancel the contract
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Level Death Benefit Death benefit remains the same
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Flexible Death Benefit** Increases along with your policy's cash value
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  Ultra Life Expledition SIUL Survivorship™ Indexed Explorer Plus® Protection Life

Additional universal life insurance products offered by Columbus Life Insurance Company: Indexed Explorer Plus®Voyager Universal Life®Explorer Plus® & Legacy Plus

* There must be enough cash value in the policy to cover monthly charges if a lower premium is paid than the amount selected at issue or if a premium payment is skipped.  Additional premium payments may need to be made to keep the policy in force.

** Increases in coverage are subject to underwriting based on health and other factors.

How Much Life Insurance Do You Need?

Life insurance can be an important element of your overall financial strategy. Answer a few quick questions about your life situation to estimate how much coverage you might need.

Calculate My Life Insurance Needs
Give us a call 866-832-7714 866-832-7714

Learn More About Universal Life Insurance

Start with these educational articles to help empower you to make more informed decisions about your financial future.  
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Why Universal Life Insurance From Western & Southern?

When you’re looking for permanent coverage and flexible premiums, you may want universal life insurance from a company with a history of financial strength. With our financial ratings, Western & Southern has become one of the strongest life insurance groups, offering you financial stability you can count on. We have knowledgeable financial representatives available to help you with your universal life insurance needs. 


Flexible Premium Adjustable Life Insurance Policy series ICC18 1808-4001 WSA, ICC18 1808-4000 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except NY.

Flexible Premium Adjustable Life Policy with Indexed Options Policy Series ICC17 CL 88 1708, Flexible Premium Universal Life Insurance Policy Series ICC19 CL 85 1901 and ICC10 CL 87 1006, Flexible Premium Survivorship Universal Life Insurance Policy Series CL 89 0806 issued by Columbus Life Insurance Company which operates in the District of Columbia and all states except New York.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing 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.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.

Flexible Premium Adjustable Life Policy with Indexed Options ICC17 CL 88 1708, Flexible Premium Survivorship Adjustable Life Insurance Policy With Indexed-Linked Interest Options ICC19 CL 92 1908

Expedition SIUL™ Survivorship Indexed Universal Life Insurance and Indexed Explorer Plus are issued by Columbus Life Insurance Company, a member of Western & Southern Financial Group, Inc. At Western & Southern Financial Group, Expedition SIUL™ Survivorship Indexed Universal Life Insurance and Indexed Explorer Plus are offered through Western & Southern Life.

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