Expedition SIUL™ Survivorship Indexed Universal Life Insurance

An integral part of a personalized plan to transfer the value of the estate or business you have built over the years, Expedition SIUL features the flexibility and versatility to meet a variety of planning challenges, including wealth transfer, charitable gifts and business succession. This policy provides Death Benefit coverage for two people — you and your spouse or business partner — paying a Death Benefit at the second death, and is generally less expensive than two separate policies. It’s an ideal solution that helps ensure you are able to pass on your personal or business assets generally tax-free to the beneficiaries of your choice.

A sense of financial stability for your family. Protection for your business. A lasting legacy for the people and organizations that are meaningful to you. Security for your loved ones while potentially building money to use during your lifetime. Life insurance may be able to help you achieve all these goals, and you can navigate your financial course confidently with Expedition SIUL^TM.

This product has specific eligibility requirements.

AGES	FACE AMOUNTS
20-79 age last birthday, for each insured	$100,000 standard; ages 20-79
	$100,000 preferred; ages 20-79

Key Features of Expedition SIUL

Insures the lives of two people – family or key business personnel

One fixed & three indexed account options to help money grow inside your policy (sufficient premium must be paid to more than cover costs)

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

Payment flexibility to decrease or suspend premiums (sufficient premium must be paid to maintain coverage)

Income tax-free death benefit paid upon second death³

Built-In Benefits of Expedition SIUL

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 met⁴after the first insured's death

Policy Split Option

Converts total specified amount into two equal individual universal life policies under certain circumstances

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 Expedition SIUL

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 (not available in CA)

Enhances the Cash Surrender Values in earlier policy years by eliminating the surrender charge on the base layer of coverage

Estate Protection Rider

Protects policy owner from estate taxes that may occur when a life insurance policy is transferred to a trust if both insureds die within the first three policy years

Other Insured Term Rider

Provides term insurance to age 95

Premium Deposit Account

Make future premium payments to your policy to help you meet your financial goals (not available in CT and PA)

Find Out More About Expedition SIUL

Expedition SIUL Insurance Client Guide (PDF)

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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. 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.

SIUL 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. Your clients must understand that loan risk means loans may well not be zero cost. Such loan risk and interest costs will reduce account value and will contribute to a risk of policy lapse if account value becomes insufficient to cover charges.

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.

Withdrawals and surrenders are tax-free up to the cost basis, provided the policy is not a MEC. Withdrawals may be subject to charges. Neither Columbus Life nor its agents offer tax advice. Please advise your customer to contact their tax or legal advisor regarding their situation. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest. Product and rider provisions, availability, definitions, and benefits may vary by state.

Expedition SIUL is issued by Columbus Life Insurance Company, a member of Western & Southern Financial Group, Inc. At Western & Southern Financial Group, Expedition SIUL is offered through Western & Southern Life.

Expedition SIUL Flexible Premium Survivorship Universal Life Insurance with Indexed Account Options and some riders may not be available in all states. Product and rider provisions, availability, definitions, and benefits may vary by state. Check the approved state variation. Flexible Premium Survivorship Adjustable Life Insurance Policy With Indexed-Linked Interest Options Policy series ICC19 CL 92 1908; Enhanced Cash Value Rider series ICC21 CLR-210 2102; Overloan Protection Rider series ICC20 CLR-209 2001; Accelerated Death Benefit Rider series CLR-202 1409, CLR-143 1208 and CLR-137 1208; Other Insured Term Rider series ICC18 CLR-177 1803; Estate Protection Rider series CLR-182 0806; 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, Cincinnati, Ohio, is licensed in the District of Columbia and all states except New York.