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.
Enhanced Cash Value Rider
Reduces cash surrender charges during the policy's first five years.
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.
There must be enough cash value in the policy to cover monthly charges if a lower premium is paid than the amount selected at issue or if a premium payment is skipped. Additional premium payments may need to be made to keep the policy in force.
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 ICC10 CL 87 1006 and CL 87 1006, and riders CLR-135 0101, CLR-136 0101, CLR-137 0101, CLR-137 1208, CLR-137 1308, CLR-138 0101, CLR-143 0101, CLR-143 1208, CLR-143 1308, CLR-160 0308, CLR-173 0707, CLR-174 0707, CLR-177 0707, CLR-179 0707, CLR-179 0910 WA, CLR-179 1208, CLR 179 1308, CLR-202 1409 and CLR-202 1409 CA.