Indexed Explorer Plus®

Universal Life Insurance

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 Indexed Explorer Plus.

Key Features

One fixed and three indexed account options to help money grow inside your policy.
Three global indexed account options use the performance of the S&P 500®.
Policy loans1 available so you can borrow from your policy.
Guaranteed minimum of 2% (4% in FL, MO and TX) annual credited interest rate in the fixed account option. Guaranteed 1% or 0% annual credited interest rate in the indexed account options.2
Income tax-free death benefit.
Payment flexibility to increase, decrease or suspend premiums (sufficient premium must be paid to maintain coverage).


Face Amounts
$25,000 juvenile; ages 0-193
$25,000 standard; ages 20-79
$100,000 preferred; ages 20-79

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 Minimum Premium No-Lapse Guarantee Benefit5
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 Rider6
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.
Insured Insurability Rider7
Allows for an increase in specified amount of insurance regardless of health.
Other Insured Term Rider8
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 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. The 0% minimum guaranteed interest rate option is not available in IN.
3 In NH, minimum issue age is 20 and juvenile underwriting class not available.
4 Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values.
5 Continued Coverage Benefits in IL. Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active.
6 Disability Benefit Rider in GA, MD and OK.
7 Guaranteed Insurability Rider in MD and TX.
8 Covered Person Term Rider in NJ. Subject to insurability.
An IUL 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.
Loans, which will accrue interest, and withdrawals can generate an income tax liability, reduce the Account Value and the Death Benefit, or may cause the policy to lapse. Sufficient premium and account value is necessary to cover insurance costs. Index returns do not guarantee that the policy will stay in force.
The S&P 500 Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Columbus Life Insurance Company. S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Columbus Life. Columbus Life's Indexed Explorer Plus is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
Payment of the benefits of Columbus Life Insurance Company products is backed by the full financial strength of Columbus Life Insurance Company, Cincinnati, Ohio. Product and feature availability varies by state.
Guarantees are based on the claims-paying ability of Columbus Life Insurance Company.
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.
This site is intended to provide a general overview of our products. Please review each product's Producer Guide, Client Guide, and Product Specification Sheet for full product details.
Columbus Life Insurance Company, Cincinnati, OH is licensed in the District of Columbia and all states except New York.
Policy series CL 88 0707 and CL 88 1503 and riders CLR-135 0101, CLR-136 0101, CLR-137 0101, CLR-137 1208, CLR-137 1308, CLR-138 0101, CLR-143 0101 (not available in MA), CLR-143 1208, CLR-143 1308, CLR-160 0308, CLR-173 0707, CLR-174 0707, CLR-176 0707, CLR-177 0707, CLR-178 0707, CLR-179 0707, CLR-179 0910 WA, CLR-199 1107 and CLR-202 1409.