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, Extended and Enhanced No-Lapse 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, Capital Transfer rider series CLR-198 1107 and CLR-196 1107.
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.