Products

Our life solutions are specifically designed for high-net worth individuals and the accumulation and wealth transfer markets.

Explorer Plus® Universal Life

A flexible universal life product designed to provide significant long-term cash value accumulation and strong single and short pay no-lapse guarantees using the Capital Transfer Rider. Policy series CL 85 0707 and CL 85 0707 ID

Indexed Explorer Plus® Universal Life

This multifaceted universal life product is designed to provide significant long-term cash value accumulation with potential for enhanced interest crediting via Indexed Account Options. It also features favorable loan and income provision features and rider benefits. Policy series CL 88 0707 and CL 88 0707 ID

Voyager® Universal Life

A simply designed planning solution, Voyager offers competitive to age 90, 95 and lifetime death benefit guarantees on a durational or to age 100 level premium basis with enhanced flexibility for a wide variety of situations. Policy series ICC10 CL 87 1006 and CL 87 1006

Nautical Term®

This convertible and renewable term product has level premiums for the guaranteed period of 10-, 20-, or 30-years. A Return of Premium Rider is available on 20- and 30-year policies, which guarantees your clients a return of their original premium. Policy series CL 83 0405, CL 83 0405 ID, CL 83-U 0405, CL 83-U 0405 ID

Survivorship Universal Life and Variable Universal Life

Legacy G Survivorship Universal Life

Legacy G is designed to offer competitive lifetime death benefit guarantees on a level premium basis with enhanced flexibility. This product offers a death benefit at the second death that can be used for estate planning, wealth transfer and charitable giving. Policy series CL 90 0806 and CL 90 0806 ID

Legacy Plus Survivorship Universal Life

Legacy Plus offers affordable protection with the potential for cash value accumulation. This product offers a death benefit at the second death that can be used for estate planning, wealth transfer and charitable giving. It also offers the ability to accumulate cash value protected from current taxation, and should your clients' needs change, the potential for supplemental income in the form of withdrawals and loans. Policy series CL 89 0806 and CL 89 0806 ID

Pinnacle II Variable Universal Life

This flexible premium variable universal life product is designed to offer security and tax advantages of life insurance coupled with the growth potential of equity investing, offering a unique way to accumulate and preserve assets protected from current taxation, and transfer them to beneficiaries. Policy series CL 84 0503 and CL 84 0503 R

Our special riders make our universal life products even more flexible to address your clients' needs.

Life Plus Accelerated Death Benefit^®

Often known as a living benefit, an accelerated death benefit rider such as Life Plus provides the flexibility of accessing the death benefit of a life insurance policy before the insured dies. Early access to policy benefits can help improve the quality of life for someone who is terminally or chronically ill, or who has a medical condition as specified in the rider. The funds may be used for any purpose - to cover medical care costs, or even to take the trip of a lifetime. Rider Series CLR-179 0707, CLR-179 0910 WA and CLR-179 1208.

Capital Transfer Riders

The Capital Transfer Riders are available on Explorer Plus® UL with three versions:

• Death Benefit (DB) - provides a higher death benefit amount with lower cash values
• Accumulation Value (AV) - provides higher cash value accumulation with lower death benefit guarantee
• Return of Premium (ROP) - provides higher cash value accumulation and lower death benefit guarantee with a Return of Premium feature through the first 10 policy year

The three versions all include a liquidity feature which allows for a partial withdrawal without terminating the no-lapse guarantee.  Policy series CL 85 0707 and CL 85 0707 ID, and riders CLR-196 1107, CLR-197 1107 and CLR-198 1107.

Find out about our new Capital Transfer Program.

Enhanced Cash Value Rider

This rider provides enhanced cash surrender values by reducing the surrender charge on selected policies for the first four years. The insured is charged for this rider in the first policy year only. This rider levelizes first-year commission over the first five policy years.  Policy series CL 79 0203, CL 84 0503, CL 85 0707, CL 87 1006, ICC10 CL 87 1006, CL 88 0707 and CL 89 0806, and Rider series CLR-173 0707.

Income Rider

Available on the Explorer Plus® and Indexed Explorer Plus®, the Income Rider enhances the income payout feature by increasing the policy's cash values in later years.  Policy series CL 85 0707, CL 85 0707 ID, CL 88 0707 and CL 88 0707 ID; and Rider series CLR-199 1107.

Return of Premium

Return of Premium Rider is available on 20- and 30-year term policies, and guarantees your clients a return of their original premium.  Policy series CL 83 0405, CL 83 0405 ID, CL 83-U 0405, CL 83-U 0405 ID and rider CLR-164 0703.

Columbus Life annuities are developed to meet a wide range of planning needs that require a guaranteed stream of retirement income.

Passport Single Premium Deferred Annuity with ROP

Passport allows you to tailor an annuity to fit your clients' needs, beginning with the selection of an interest rate guarantee period from one to five and seven years. The interest rates range from a seven-year guarantee to even higher rates for five-, four-, three-, two- and one-year guarantee periods and include a special first-year-only 2% interest rate enhancement. Built-in ROP guarantees your clients a return of their original premium.  Rider series CLR-132 0010, CLR-133 0010 and CLR-186 0806 END.

AccountMax Single Premium Deferred Annuity

AccountMax is a single-premium deferred annuity that provides favorable interest crediting. AccountMax currently offers lock in guaranteed rates for 7 or 10 years. At the end of the guarantee period, interest rates credited to the AccountMax annuity will be declared by the Company annually, never at less than 1.5%, or higher if required by law in your state.  Rider series CLR-132 0010, CLR-133 0010 and CLR-156 0208.

LifeSource Plus® Single Premium Immediate Annuity

LifeSource Plus offers competitive payout rates for your clients and competitive compensation for you. Life Source Plus converts a portion of assets into a steady stream of guaranteed income for as long as your client chooses: a specific period of years or an entire lifetime. If a life contingent option is selected Life Source Plus guarantees an income stream that can't be outlived. You can create a constant, dependable flow of income for your client that lasts a lifetime by putting part of their assets into a Life Source Plus annuity.  Policy series CL-21.

Accelerator Single Premium Deferred Annuity

Accelerator's five-year guarantee assures that the tax deferred interest rates your client earns during each five-year guarantee period will step up 0.15 each year.  Rider series CLR-132 0010, CLR-133 0010 and CLR-165 0407.