Western & Southern Financial Group is one of the eight highest-rated life insurance groups in the world based on Standard & Poor’s AA+ rating.

Industry ratings from the four major rating agencies —
A.M. Best, Standard & Poor’s, Fitch and Moody’s — are a true measure of a company’s financial strength and stability. Following are the ratings of Western & Southern’s six life and health insurance companies — The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Columbus Life Insurance Company, Integrity Life Insurance Company, National Integrity Life Insurance Company, and The Lafayette Life Insurance Company.

A.M. Best

A+
Superior

for superior ability to meet ongoing insurance obligations (second highest of 16 ratings; rating held since June 2009)

Standard & Poor's

AA+
Very Strong

for very strong financial security characteristics (second highest of 21 ratings; rating held since August 2005)

Fitch

AA
Very Strong

for very strong capacity to meet policyholder and contract obligations on a timely basis (third highest of 21 ratings; rating held since June 2009)

Moody's

Aa3
Excellent

for excellent financial security (fourth highest of 21 ratings; rating held since February 2009)

Comdex Ranking

97
Out of
100

The Comdex is a composite of all the ratings that a company has received. It ranks companies on a scale of 1 (lowest) to 100 (highest) in relation to other companies that have been rated by the services. The Comdex is a mathematical ranking used to consolidate financial strength ratings from the four major rating agencies because each rating service uses a different scale.

The ratings are current as of , and are subject to change. Ratings refer to the claims-paying ability of the insurance company and do not reflect the performance or safety of any investment product. The rating agencies listed above are independent of each other and use proprietary evaluation criteria and rating scales.

* The Lafayette Life Insurance Company is not rated by Moody’s.