Indexed Explorer Plus® Universal Life Insurance

¹ Loans will accrue interest. Cash value may take years to accumulate, unless a large premium is paid up front. Loans and withdrawals may generate an income tax liability, reduce the Account Value and the Death Benefit, and may cause the policy to lapse. Sufficient premium and account value are necessary to cover insurance costs. Index returns do not guarantee that the policy will stay in force.
² At the time of application, either the Index Accounts with the 1% minimum guaranteed interest rate or the Index Accounts with the 0% minimum guaranteed interest rate must be selected. The Index Accounts with the 0% minimum guaranteed interest rate may have a higher Index Cap Rate, Index Participation Rate, and Index Threshold Rate or a lower Index Spread Rate, as applicable, than the Index Accounts with the 1% minimum guaranteed interest rate during the same period, but this is not guaranteed. The Index Accounts selected at the time of application cannot be changed after the policy is issued.
³ Death Benefits from a life insurance policy are generally paid income tax-free to policy beneficiaries.
⁴ Accelerated death benefits will reduce the death benefit and may affect the available loan amount and other policy values.
⁵ Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active.
⁶ Disability Benefit Rider in GA, MD and OK.

IUL is a Universal Life policy. It has insurance related costs. Premiums paid must produce sufficient cash value to pay insurance charges. Indexed returns do not protect against lapse if premiums and returns do not provide sufficient cash value to cover loan interest and insurance costs. Additional Index Accounts may be added or existing Index Accounts may be eliminated for new allocations.

Index returns do not guarantee that the policy will stay in force.

The S&P 500^® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Columbus Life Insurance Company. S&P^®, S&P 500^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Columbus Life Insurance Company. Indexed Explorer Plus is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500^® Index.

The J.P. Morgan Balanced Growth^SM Index (“Index”) has been licensed to the Columbus Life Insurance Company (the “Licensee”) for the Licensee’s benefit. Neither the Licensee, nor the Indexed Explorer Plus product (the “Product”) is sponsored, operated, endorsed, recommended, sold or promoted by J.P. Morgan Securities LLC (“JPMS”) or any of its affiliates (together and individually, “J.P. Morgan”). J.P. Morgan makes no representation and gives no warranty, express or implied, to purchasers of the Product nor does J.P. Morgan have any liability for any errors, omissions or interruptions of the J.P. Morgan Index. Such persons should seek appropriate professional advice before making an investment or purchasing insurance. The Index has been designed and is compiled, calculated, maintained and sponsored by J.P. Morgan without regard to the Licensee, the Product or any policyholder. J.P. Morgan is under no obligation to continue compiling, calculating, maintaining or sponsoring the Index. J.P. Morgan may independently issue or sponsor other indices or products that are similar to and may compete with the Index and the Product. J.P. Morgan may transact in assets referenced in the Index (or in financial instruments such as derivatives that reference those assets). These activities could have a positive or negative effect on the value of the Index and the Product.

Payment of the benefits of Columbus Life Insurance Company life insurance 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. 

Product and rider provisions, availability, definitions, and benefits may vary by state. Flexible Premium Adjustable Life Policy with Indexed Options series ICC17 CL 88 1708; Enhanced Cash Value Rider series ICC21 CLR-210 2102; Overloan Protection Rider series CLR-178 0707; Accelerated Death Benefit Rider series CLR-202 1409, CLR-143 1208 and CLR-137 1208; Supplemental Coverage Rider series ICC19 CLR-176 1901; Change of Insured Rider series CLR-160 0308; Other Insured Term Rider series ICC18 CLR-177 1803; Children’s Term Rider series ICC18 CLR-135 1803; Disability Credit Rider series CLR-174 0707; Insured Insurability Rider series CLR-138 0101; Accidental Death Benefit Rider series CLR-136 0101; Premium Deposit Account Rider series CLR-205 1708 issued by Columbus Life Insurance Company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Both The Western and Southern Life Insurance Company and Columbus Life Insurance Company are members of Western & Southern Financial Group, Inc.