Universal Life® Insurance

Taking risks is part of life, but when it comes to choosing ways to protect the things we care about most, guarantees can help ensure our goals will be met. Voyager Universal Life offers several options to help you meet your financial goals, including a no-lapse guarantee. It's flexible, reasonable and — best of all — can be guaranteed, no-lapse life insurance...

Key Features

A lifetime no-lapse guarantee option1, providing the security of a death benefit as long as minimum premiums are paid.
Death benefit is free from income taxes.
Affordable and flexible premium amounts.
Payment flexibility.
Flexible and affordable "permanent term" for Business Succession Planning.


Face Amounts
$50,000 juvenile; ages 0-19
$50,000 standard; ages 20-79
$100,000 preferred; ages 20-79

Find Out More

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).
Lifetime No-Lapse Guarantee Benefit
Provides security of a guaranteed death benefit for the lifetime of the policy.
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 Rider3
Provides a monthly premium credit after six months' total disability.
Insured Insurability Rider4
Allows for an increase in specified amount of insurance regardless of health.
Other Insured Term Rider5
Provides term insurance to age 95.

1 Continued Coverage Benefit in IL. The No-Lapse Guarantee provision in the policy will keep the policy in force for the lifetime of the Insured, as long as you pay at least the No-Lapse Guarantee Minimum Monthly Premium as described in the policy. Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active. Review your contract carefully, it specifies factors that may reduce the amount of premium required to maintain the No-Lapse Guarantee for a limited period. Coverage could expire prior to the insured's age 120 if premiums paid are not sufficient to continue coverage to that date.
2 Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values.
3 Disability Benefit Rider in GA, MD and OK.
4 Guaranteed Insurability Rider in MD and TX.
5 Covered Person Term Rider in NJ. Subject to insurability.
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.
Voyager Flexible Premium Universal Life Policy series ICC10 CL 87 1006, and Children's Term Rider CLR-135 0101, Accidental Death Rider CLR-136 0101, Accelerated Death Benefit Riders CLR-137 0101, CLR-137 1208, CLR-137 1308, CLR-138 0101, CLR-143 0101, CLR-143 1208, CLR-143 1308, CLR-160 0308, Disability Credit Rider CLR-174 0707, Other Insured Rider CLR-177 0707, Life Plus Accelerated Death Benefit Riders CLR-179 0707, CLR-179 0910 WA, CLR-179 1208, CLR 179 1308, and CLR-202 1409.
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.