Ratings

As a life insurance company, our financial strength is a valuable indicator of our dependability — both today and tomorrow. Like every other insurer, our financial strength is rigorously examined and evaluated by independent reporting agencies. In making their assessments, these agencies consider our financial integrity — the quality of our assets, the amount of funds we have in reserve, the vision and ability of our management team and our efficiency in running our business. With our exceptional ratings, you can be certain that our quality life insurance and annuity products will help you plan and protect your future.

Standard & Poor's affirmed our AA+ Very Strong rating as a reflection of the company's ongoing financial stability in the face of the current economic recession. Ratings adjustments from the other three firms reflect the general industry trend, but all four independent rating firms gave Columbus Life and our parent company, Western & Southern Financial Group, a Stable Outlook, which is a strong affirmation of our continued strong balance sheet, conservative operating profile, and diverse product and service distribution.

Despite the obvious challenges of the economy that led to ratings adjustments for many companies in our industry, our ratings from the independent rating agencies keep the company in the top tiers for financial strength. Western & Southern Financial Group remains the highest rated life insurance group in Ohio and one of the nine strongest life insurance groups in the world based on our Standard & Poor's rating.

Standard & Poor's AA+

Standard & Poor's Corporation, a leader in the world of financial information and analysis, assigns financial strength ratings to the life and health insurance companies. Columbus Life has been assigned Standard & Poor's second highest rating, AA+ for Very Strong financial security characteristics (second highest of 21 ratings; rating held since August 2005)

Fitch's AA

Fitch Credit Rating Company, a top analyst judging insurers' financial strength, has assigned a AA rating for Very Strong insurer financial strength (third highest of 21 ratings; rating held since June 2009)

A.M. Best A+

A.M. Best, the recognized authority on the financial strength of insurance companies, rates Columbus Life A+ for Superior, financial strength, operating performance, and market profile. (second highest of 16 ratings; rating held since June 2009)

Moody's Aa3

Moody's Investors Service, a widely utilized source for credit ratings, research and risk analysis, has assigned Columbus Life an Aa3 Excellent rating for insurance financial strength (fourth highest of 21 ratings, rating held since February 2009 for excellent financial security).

Comdex Ranking 97

The Comdex ranking is a composite of all the ratings that a company has received. It ranks companies on a scale of 1 (lowest) to 100 (highest) in relationship to other companies that have been rated by the services. The Comdex is a mathematical ranking used to consolidate the above financial strength ratings, as each rating service uses a different scale.