Explorer Plus®

Universal Life Insurance

While some of life's responsibilities end at retirement, others continue for life. That's why Explorer Plus universal life insurance is designed to last as long as you do, and address a wide variety of financial planning needs. Explorer Plus helps protect those you care about most with a life insurance death benefit, while building income potential. Your policy could also help pay for college tuition, make charitable plans, protect your business's key employees or leave a lasting legacy to loved ones. Explorer Plus can provide coverage for your lifetime, with flexibility for your life.

Key Features

Potential for tax-deferred growth, which means that you don't pay income taxes on your money while it stays within your policy.
Loans and withdrawals1 available so you can borrow cash value from your policy, even after the first year.
Several no-lapse guarantee options, providing the security of a death benefit as long as minimum premiums are paid.
Income tax-free death benefit.
Affordable and flexible premium amounts.
Payment flexibility to increase, decrease or suspend premiums.(sufficient premium must be paid to maintain coverage).


Face Amounts
$25,000 juvenile; ages 0-192
$25,000 standard; ages 20-79
$100,000 standard; ages 20-79
$100,000 preferred; ages 20-85

Advances a portion of the death benefit when certain medical conditions are met.
Change of Insured Rider
Allows for a change of who is insured on the policy (corporate-owned policies only).
Overloan Protection Rider
Prevents policy lapse due to loans.
10-Year Base No-Lapse Guarantee Benefit4
Provides security of a guaranteed death benefit for the policy's first ten years.
Accidental Death Benefit Rider
Pays an additional amount in addition to the death benefit if you die in an accident.
Children's Term Rider
Covers eligible children ages 15 days to 18 years, until age 23.
Disability Credit Rider5
Provides a monthly premium credit after six months' total disability.
Enhanced Cash Value Rider
Reduces cash surrender charges during the policy's first five years.
Extended No-Lapse Guarantee Rider6
Offers two ways to continue guaranteed death benefit coverage after the first ten years of the policy.
Income Rider
Enhances the income payout by increasing the policy's cash values in later years.
Insured Insurability Rider6
Allows for an increase in specified amount of insurance regardless of health.
Other Insured Term Rider7
Provides term insurance to age 95.
Supplemental Coverage Rider
Provides permanent coverage along with insured base coverage.

1 Loans accrue interest. Loans and withdrawals may be subject to additional charges and fees.
2 In NH, minimum issue age is 20 and juvenile underwriting class not available.
3 Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values.
4 Continued Coverage Benefits in IL. Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active.
5 Disability Benefit Rider in GA, MD and OK.
6 By paying only the minimum No-Lapse Guarantee premium, you may be forgoing the opportunity to build a higher Account Value. At the end of the No-Lapse Guarantee period provided by either the policy or the rider, you may need to make significant additional premium payments. Withdrawals and loan indebtedness will cause an increase in the premium requirement under the Base and Extended Guarantees. Non-payment of the required minimum premium and changes to the specified amount or Death Benefit option may also damage the No-Lapse Guarantee feature. If the rider lapses, it may not be reinstated. All No-Lapse Guarantees take into account the time value of money (at 5.50% annual interest rate) with respect to premium payments and withdrawals.
6 Guaranteed Insurability Rider in MD and TX.
7 Covered Person Term Rider in NJ. Subject to insurability.
Flexible Premium Universal Life Insurance Policy series CL 85 0707, Accelerated Death Benefit Rider series CLR-137 1208, CLR-143 1208, CLR-179 1208, CLR-202 1409, Enhanced Cash Value Rider series CLR-173 0707, Overloan Protection Rider series CLR-178 0707, Supplemental Coverage Rider series CLR-176 0707, Extended No-Lapse Guarantee Rider series CLR-175 0707, Change of Insured Rider series CLR-160 0308, Other Insured Term Rider series CLR-177 1803, Children's Term Rider series CLR-135 1803, Disability Credit Rider series CLR-174 0707, Insured Insurability Rider series, CLR-138 0101, Accidental Death Rider series, CLR-136 0101.
Product and rider provisions, availability, definitions, and benefits may vary by state.
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.
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.
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.