Columbus Life vs COUNTRY Financial
Comprehensive side-by-side comparison of indexed universal life insurance companies
Columbus Life
Founded: 1906
Cincinnati, Ohio
Assets
$45 billion group assets (Western & Southern)
IUL Experience
10+ years
Products
3
Avg Cap Rate
9%
Key Strengths
Offers 3+ IUL products
Indexed Explorer Plus, Indexed Explorer Now (rapid issue), Expedition SIUL (survivorship)
COUNTRY Financial
Founded: 1925
Bloomington, Illinois
Assets
$12 billion
IUL Experience
5+ years
Products
1
Avg Cap Rate
9%
Key Strengths
Offers IUL products
COUNTRY Financial Indexed Universal Life with 100% participation rate, 0% floor
Forbes #1 life insurance provider ranking (2024)
Detailed Feature Comparison
| Feature | Columbus Life | COUNTRY Financial |
|---|---|---|
| Founded | 1906 | 1925 |
| Headquarters | Cincinnati, Ohio | Bloomington, Illinois |
| Assets Under Management | $45 billion group assets (Western & Southern) | $12 billion |
| Years in IUL Business | 10+ years | 5+ years |
| Number of IUL Products | 3 | 1 |
| Typical Cap Rate Range | 8% - 10% | 8% - 10% |
| Participation Rates | 110% | 100% |
| Minimum Premium | $5,000 annual | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard, rapid issue available | 2-4 weeks |