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Passport — Columbus Life Insurance Company
Columbus Life Insurance Company
Highest effective annual rate
5.0952%
2-yr effective annual yield · $2,000+ premium
Highest current CANNEX effective annual rate across the available 1-year, 2-year, 3-year, 4-year, 5-year, and 7-year step schedules.
View all rates and terms ↓10%
Free W/D
Rates as of November 13, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
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guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Columbus Life Insurance Company product.
Free withdrawal
10%/yr
Minimum premium
$2,000
Available guarantee terms
1, 2, 3, 4, 5, and 7 years
Available surrender terms
1, 2, 3, 4, 5, and 7 years
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 1-Year | 1-Year schedule | Sep 1, 2026 | 4.15%Compound annual rate |
| 2-Year | 2-Year schedule | Sep 1, 2026 | 5.0952%Effective annual rate · full term6.1% first year · 4.1% renewal |
| 3-Year | 3-Year schedule | Sep 1, 2026 | 4.7124%Effective annual rate · full term6.05% first year · 4.05% renewal |
| 4-Year | 4-Year schedule | Sep 1, 2026 | 4.4464%Effective annual rate · full term5.95% first year · 3.95% renewal |
| 5-Year | 5-Year schedule | Sep 1, 2026 | 4.347%Effective annual rate · full term5.95% first year · 3.95% renewal |
| 7-Year | 7-Year schedule | Sep 1, 2026 | 4.0834%Effective annual rate · full term5.8% first year · 3.8% renewal |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Certain period, Joint life, Single lifePublished payout options from the normalized contract facts.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
7-Year Version
Yr 1
7%
Yr 2
7%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Carrier Ratings
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