Legacy Plus

Survivorship Universal Life

As you consider how to pass on the estate or business assets that you've both worked so hard for, you need a solution that's as distinctive as your accomplishments.

Legacy Plus survivorship life insurance is flexible enough to meet a variety of estate planning and business planning challenges, including wealth transfer, charitable gifts and business succession. And, since it pays after two people have passed on, it may cost less than having two separate policies.

Key Features

Insures the lives of two people — family or key business personnel.
A built-in 10-year no-lapse guarantee option, providing the security of a death benefit as long as minimum premiums are paid.
Tax-free income through policy loans or withdrawals.1
Potential retirement income or income replacement for a survivor after the other has passed away.2
An income tax-free death benefit, paid upon second death.


Face Amounts
$100,000; ages 20-79

Advances a portion of the death benefit when certain medical conditions are met.
Overloan Protection Rider
Prevents policy lapse due to loans.
Policy Exchange Option
Permits conversion into two equal individual universal life insurance policies should a divorce or significant estate tax law changes occur.
10-Year Minimum Premium No-Lapse Guarantee Benefit4
Provides security of a guaranteed death benefit for the policy's first ten years.
Enhanced Cash Value Rider
Reduces cash surrender charges during the policy's first five years.
Estate Protection Rider
Provides protection from estate taxes if both insureds die within first three years of policy.
Other Insured Term Rider5
Provides term insurance to age 95.

1 Loans accrue interest. Loans and withdrawals may be subject to additional charges and fees.
2 Lifetime benefits are subject to policy having sufficient cash value; use of cash value may reduce death benefit.
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 Covered Person Term Rider in NJ. Subject to insurability.
Life insurance policy guarantees are subject to the timely payment of premiums. As long as the no-lapse guarantee is in effect, the policy is guaranteed not to lapse. 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 no-lapse guarantee and will reduce the death benefit and cash surrender value. Non-payment of the requirement premium and changes to the specified amount or death benefit option may also damage the no-lapse guarantee feature.
Payment of the benefits of Columbus Life Insurance Company products is backed by the full financial strength of Columbus Life Insurance Company, Cincinnati, Ohio. Policy, rider features and benefits may vary and may not be available in all states.
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 90 0806, and riders CLR-137 0101, CLR-137 1208, CLR-137 1308, CLR-143 0101, CLR-143 1208, CLR-143 1308, CLR-153 0203, CLR-177 0707, CLR-179 0707, CLR-179 0910 WA, CLR-179 1208, CLR-179 1308, CLR-182 0806 and CLR-202 1409.