NAILBA Perspectives Winter 2019 | Page 23

The Columbus Life Difference
With new features entering the IUL industry,
design matters now more than ever.
We believe you should feel confident when you recommend an IUL product to your clients. It’s the reason
why we designed our Indexed Explorer Plus ® IUL with straightforward features powered by the index
instead of complicated formulas.
Backed by a history of strong performance, our IUL offers powerful and accessible living benefits,
competitive fixed and indexed account cap rates, and a guaranteed persistency bonus. All this, built on
traditional IUL benefits — upside potential and downside protection from market fluctuation.
Discover the Columbus Life Difference.
Visit us online at ColumbusLife.com / financial-professionals.
Indexed Explorer Plus Flexible Premium Universal Life Policy and some riders may not be available in all states. Flexible Premium Universal Life Insurance Policy series ICC17 CL 88 1708. Product
and rider provisions, availability, definitions and benefits may vary by state.
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. Your clients must understand that loan risk means loans may well not be zero cost. Such loan risk and interest
costs will reduce account value and will contribute to a risk of policy lapse if account value becomes insufficient to cover charges. Payment of benefits under the life insurance policy is the obligation
of, and is guaranteed by, Columbus Life.
Guarantees are based on the claims-paying ability of Columbus Life. Products are backed by the full
financial strength of Columbus Life.
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.
Columbus Life Insurance Company, Cincinnati, Ohio, is licensed in the District of Columbia and all states
except New York.
©2019 Columbus Life Insurance Company. All rights reserved.
CL 5.2033-BW (08/19)
For Financial Professional Use Only. Not for Use with the Public.