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Columbus Life
A Cincinnati life and annuity insurer founded in 1906 as Columbus Mutual and a member of Western & Southern Financial Group since 1989, sold through independent financial professionals.
Financial strength
A+
AM Best
AA-
S&P Global
AA
Fitch
Aa3
Moody's
AM Best A+ (Superior)
AM Best affirmed the A+ (Superior) financial strength rating of the Western & Southern life rating unit, which includes Columbus Life, and revised the outlook to positive on April 23, 2026.
Source: AM Best press release via InsuranceNewsNet, 2026-04-23Western & Southern member
Columbus Life has been a member of Western & Southern Financial Group, a mutually held company, since 1989.
Source: Columbus Life - AboutFounded 1906
Founded as Columbus Mutual in 1906; headquartered at 400 Broadway, Cincinnati, Ohio.
Source: Columbus Life - AboutIndependent distribution
Columbus Life says it works with more than 7,000 independent representatives.
Source: Columbus Life - AboutRun live numbers on Columbus Life products
Choose a product type, then select a current product. The analyzer shows available values for your premium, age, state, and timing, and leaves out details that are not published for that selection.
MYGAs / Fixed Annuities
Selected product: AccountMax
A fixed annuity group for buyers who want a declared guaranteed rate, principal protection, and tax-deferred growth.
Other current products
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Multi-Year Guaranteed Annuity
Fixed-rate contracts grouped separately from indexed annuities so guaranteed terms are compared on their own terms.
- Fixed-rate contracts grouped separately from indexed annuities
- Check each product page for guaranteed term rates and surrender context
Best for: Savers who want a declared fixed rate for a set period and a direct path to each product review.
AccountMax
Guaranteed rate
Guaranteed term rate varies by deposit size and state - view product for live rates.
Passport
Guaranteed rate
Guaranteed term rate varies by deposit size and state - view product for live rates.
This directory is not a statement of current availability. Confirm current rates, state availability, premium bands, and rider terms in the analyzer or on each product page.
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Company overview
What Columbus Life is
Columbus Life Insurance Company (NAIC 99937) was founded as Columbus Mutual in 1906 and is headquartered in Cincinnati, Ohio. It became a member of Western & Southern Financial Group in 1989.
2026-11-14 · Columbus Life - About
Its current product menu includes universal and indexed universal life, term life, and four annuities: Advantage Fixed Indexed Annuity, AccountMax Market Value Adjusted Annuity, Passport Single Premium Deferred Annuity, and LifeSource Plus Single Premium Immediate Annuity.
2026-11-14 · Columbus Life - Annuities
Two Columbus Life fixed-rate annuities currently carry live rate data on AnnuityRatesHQ: AccountMax and Passport.
2026-11-14 · CANNEX Financial Exchanges via AdvisorWorld
Scale, labeled
Founded
1906
Founded as Columbus Mutual; headquartered in Cincinnati, Ohio; NAIC 99937.
Founded 1906 · Columbus Life - About
Group
Western & Southern
Member since 1989. Group reports 88.0 billion dollars in assets owned for 2025 (enterprise figure, not Columbus Life).
2025 results · Columbus Life - About; Western & Southern - Financial Ratings
Distribution
7,000+ representatives
Works with independent agents and financial professionals.
2026-11-14 · Columbus Life - About
AM Best
A+ (Superior)
Affirmed for the Western & Southern life rating unit, outlook positive.
2026-04-23 · AM Best press release via InsuranceNewsNet
History highlights
Founded as Columbus Mutual in 1906.
Founded 1906 · Columbus Life - About
Became a member of Western & Southern Financial Group in 1989.
Member since 1989 · Columbus Life - About
On April 23, 2026, AM Best affirmed the A+ (Superior) financial strength rating and "aa" long-term issuer credit rating of the Western & Southern life rating unit, which includes Columbus Life, and revised the outlooks to positive from stable.
2026-04-23 · AM Best press release via InsuranceNewsNet
A Western & Southern member since 1989
Columbus Life became a member of Western & Southern Financial Group in 1989. Western & Southern describes itself as a mutually held company.
Member since 1989 · Columbus Life - About
Western & Southern reports 88.0 billion dollars in assets owned and 132.5 billion dollars in assets owned and managed for 2025. These are enterprise figures for the whole group, not Columbus Life figures.
2025 results · Western & Southern - Financial Ratings
Western & Southern notes that financial strength ratings apply to its individual member insurance companies. Annuity guarantees are the obligation of Columbus Life as the issuing company.
Ratings correct as of June 8, 2026 · Western & Southern - Financial Ratings
Financial strength
AM Best
A+
Superior; second-highest of AM Best's financial strength ratings. Affirmed for the Western & Southern life rating unit, including Columbus Life, with outlook revised to positive.
2026-04-23
S&P Global
AA-
Very Strong. Published by Western & Southern for its member life insurers; held since August 2018.
Correct as of June 8, 2026
Fitch
AA
Very Strong. Published by Western & Southern for its member life insurers; held since June 2009.
Correct as of June 8, 2026
Moody's
Aa3
Excellent. Published by Western & Southern for its member life insurers; held since February 2009.
Correct as of June 8, 2026
What makes Columbus Life different
Long operating history
Columbus Life has operated since 1906, first as Columbus Mutual, and has been part of Western & Southern since 1989.
2026-11-14 · Columbus Life - About
Ratings from four agencies
Western & Southern publishes AM Best A+, S&P AA-, Fitch AA and Moody's Aa3 ratings for its member life insurers; Columbus Life is not listed among the exceptions on that page.
Ratings correct as of June 8, 2026 · Western & Southern - Financial Ratings
Two fixed-rate designs
AccountMax is a single premium deferred annuity with a market value adjustment and seven- or ten-year guarantee periods. Passport is a single premium deferred annuity with guarantee periods from one to seven years and no market value adjustment described.
2026-11-14 · Columbus Life - AccountMax and Passport product pages
Sold through independent professionals
Columbus Life distributes through independent agents and financial professionals rather than selling directly to consumers.
2026-11-14 · Columbus Life - About
About Columbus Life
Columbus Life Insurance Company was founded as Columbus Mutual in 1906 and is based in Cincinnati, Ohio. It has been a member of Western & Southern Financial Group since 1989 and works with more than 7,000 independent representatives.
2026-11-14 · Columbus Life - About
AM Best rates the Western & Southern life rating unit, which includes Columbus Life, A+ (Superior), and revised its outlook to positive in April 2026.
2026-04-23 · AM Best press release via InsuranceNewsNet
On AnnuityRatesHQ, Columbus Life is represented by two fixed-rate annuities with live data: AccountMax and Passport.
2026-11-14 · CANNEX Financial Exchanges via AdvisorWorld
Free Comparison Report
Get Columbus Life's current rate report
Compare Columbus Life's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Columbus Life - About (founding, 1989 membership, NAIC 99937, distribution) — 2026-11-14
- Columbus Life - Annuities — 2026-11-14
- Columbus Life - AccountMax Market Value Adjusted Annuity — 2026-11-14
- Columbus Life - Passport Single Premium Deferred Annuity — 2026-11-14
- Western & Southern - Financial Ratings (S&P, Fitch, Moody's; 2025 group assets) — Correct as of June 8, 2026
- AM Best Revises Outlooks to Positive for Western & Southern Financial Group, Inc. and Its Subsidiaries — 2026-04-23
- Live product data, rates and terms: CANNEX Financial Exchanges via AdvisorWorld — 2026-11-14
Related Resources
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