Financial analysts and experts consistently recognize Western & Southern Financial Group's insurance companies for their financial stability and operating performance. The following descriptions explain The Western and Southern Life Insurance Company's outstanding ratings from three of the most highly regarded rating services.

Standard & Poor's: AA+ (Very Strong)

Standard & Poor’s AA+ for Very Strong financial security characteristics (second highest of 21 ratings, rating held since August 2005). A Standard & Poor's Insurer Financial Strength Rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay all claims under its insurance policies and contracts in accordance with their terms.

A.M. Best Company: A++ (Superior)

A.M. Best A++ superior for financial strength, operating performance and market profile (highest of 16 ratings, rating held since May 1991). The objective of A.M. Best's rating system is to provide an overall opinion of an insurance company's ability to meet its obligations to policyholders.

Fitch: AA+ (Very Strong)

Fitch AA+ for Very Strong insurer financial strength (second highest of 21 ratings, rating held since September 2002).