Market Value Adjusted Fixed Annuity1

Balancing growth with security is important, whether you're headed for retirement or you're already there. That's why our AccountMax single premium deferred annuity with a market value adjustment (MVA) offers both stability and growth potential in a single annuity product.

AccountMax combines guaranteed rate terms with the possibility for higher interest rates. Lock in a guaranteed, competitive interest rate for up to ten years, and earn credit at the end of your renewal period.

All of this, combined with an optional Enhanced Death Benefit, helps AccountMax provide the guarantees you need with the flexibility you're looking for.

Key Features

Choose an interest rate guarantee period for seven or ten years2.
Withdraw up to 10% of the contract value each year without incurring a surrender charge (all withdrawals during guarantee period are subject to market value adjustment).
A first-year 2% interest rate bonus.
A variety of guaranteed income options, including scheduled payments for life, income payments for a select period or even a one-time payment3.
Optional added death benefit protection.


18-89, tax qualified (only transfer or rollover money after age 69) and non-tax qualified
$10,000 minimum single premium
No subsequent premiums

Fees and Charges

Surrender Charges
Contract Year % Of Accumulation Value
1-3 7
4 6
5 5
6 4
7 3
8+ 0

Available Benefits

Security for your loved ones is paramount - the optional Enhanced Death Benefit Rider within AccountMax can help preserve the value of your annuity for your beneficiaries. This benefit offers additional protection to help offset any expenses that beneficiaries could incur after your death.

AccountMax also offers a market value adjustment (MVA) on withdrawals taken during the guarantee period - if you decide to make a withdrawal, your account's value will adjust depending on the interest rate offered at that time. If we offer higher interest rates, your account's value may be higher; if we offer lower interest rates, your account's value may be lower.

1 Not available in MI or VA.
2 Annual renewal rates are paid after the first guarantee period (Minimum rate is 1.00%).
3 Withdrawals and earnings are subject to ordinary income tax. Withdrawals prior to age 59 1/2 may incur an IRS 10% penalty tax. All withdrawals and payments during a guarantee period except death benefits and required minimum distributions are subject to a market value adjustment. Systematic withdrawals are not available if partial withdrawals have been made in the same contract year.
Withdrawals will reduce the contract value.
Payment of the benefits of Columbus Life Insurance Company 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.
Guarantees are based on the claims-paying ability of Columbus Life Insurance Company.
Annuity 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.
This site is intended to provide a general overview of our products. Please review each product's Client Guide for full product details.
Columbus Life Insurance Company, Cincinnati, Ohio is licensed in the District of Columbia and all states except New York.
Contract series CL 81 0301 and CL 81-I 0407, and rider series CLR-132 0010, CLR-133 0010 and CLR-156 0208.