Life Insurance with Living Benefits

Introducing Life Plus, an accelerated death benefit rider from Columbus Life, also known as a living benefit, that provides the flexibility of accessing the death benefit of a life insurance policy before the insured dies. When diagnosed with certain pre-defined medical conditions, the policy owner can access up to 60% (or $250,000, whichever is smaller) of the policy's death benefit to fulfill his/her financial needs. The rider is automatically included for residents in approved states at no additional cost.

Build Your Cash Value Tax-free

Indexed strategy lets you earn interests linked to S&P 500 stock index while your principal and all interests earned are protected from market downturn so you don't lose any money. And with some products, you can actually earn minimum of 1% interest no matter how the market is performing. The money in your cash value account grows tax-free so it grows a lot faster than the traditional stocks, mutual funds or CD's and is a great way to save up for additional retirement (or emergency) fund.

Term Life Insurance with ROP Rider

If you're looking for low cost protection initially, but unsure of your future needs, we offer various Term Life products which you can convert to permanent coverage at some time in the future if your needs change. Plus, if you choose the 20- or 30- year plan with our Return of Premium Rider, premiums paid for the rider and the base policy only are returned at the end of the term and can be used for retirement or other needs.