Annuity Atlas
Reviews

Expert review · 2026

Columbus Life review

Annuity Atlas covers 8 Columbus Life annuity products with live rates and contract specs. 6 carry full editorial reviews.

Carrier strength

A+
A.M. Best
Products8
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Products covered
8
A.M. Best
A+
Categories covered
MYGA
01

8 Columbus Life annuities

Click any product for rates, specs, and the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
Passport 7
Savers who want one rate locked for the entire surrender period, with zero renewal-rate uncertainty to track
MYGA7yrA+——Review →
Advantage 10FIA10yrA+Yes
0.95% annually (1.50% max) fee
—Details →
Advantage 7FIA7yrA+Yes
0.95% annually (1.50% max) fee
—Details →
Passport 1
Buyers who want the highest headline rate in Columbus Life's Passport family right now and are comfortable trusting the carrier's annual renewal-rate decisions for years two through seven
MYGA7yrA+——Review →
Passport 2
Buyers who can commit to the full 7-year surrender schedule and are comfortable letting the carrier reset their rate annually for five of those years
MYGA7yrA+——Review →
Passport 3
Savers who want a locked 3.75% rate from an A+ carrier for three years and are willing to track Columbus Life's annual renewal declarations for the remaining four years of the surrender schedule
MYGA7yrA+——Review →
Passport 4
Buyers who want a fee-free, locked-rate contract from an A+ carrier and are already committed to the full 7-year surrender schedule
MYGA7yrA+——Review →
Passport 5
Savers who want a 5-year rate lock with an automatic return-of-premium guarantee and are comfortable holding the last two years of a 7-year surrender schedule at a carrier-declared renewal rate
MYGA7yrA+——Review →
02

Income rider fees

Disclosed charges for optional riders on Columbus Life products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
GLWBAdvantage 100.95% annually (1.50% max)
03

Frequently asked questions

Is Columbus Life a good annuity company?
We have reviewed 6 Columbus Life products, and A.M. Best rates the carrier A+ for financial strength.
What are the fees for Columbus Life annuities?
Fee structures vary by product. Optional income riders on Columbus Life products carry disclosed charges — for example GLWB (Advantage 10): 0.95% annually (1.50% max). See each product review for the full fee detail.
What is the surrender period for Columbus Life annuities?
Surrender periods on Columbus Life's current lineup run 7–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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