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Am I Prepared for the Unexpected?

Whole life insurance can help give you and your loved ones greater peace of mind.

Financial Strength & Stability You Can Depend On

When it comes to planning your financial life, you want a company you can feel confident about. With our company's heritage dating back to 1888, Western & Southern has been serving families and businesses just like yours with our diverse range of life insurance, annuities and investments. Our knowledge in planning for retirement and small business services can help protect your future. As one of the world’s strongest life insurance companies, we are here for you for every stage of life to help you get to where you want to go in life.

Life Insurance

Different times in life call for different life insurance options. Explore our whole, term and universal life solutions for greater security for your family or small business.

Explore Life Insurance

Retirement

Dreams require careful planning. However you envision your retirement — traveling cross-country, running an antique store or renovating a second home — we can help you get there.

Plan for Retirement

Investments

Smart investing strategies can play an important role in growing your wealth. Discover how investments may help you save for college, retire early or fund your dream vacation.

Invest in Your Future

What's Your Financial Style?

Everyone handles finances in their own way. We call it your Financial Style. Answer a few simple questions to find out a little bit more about how you approach your finances, the value you put on relationships and what motivates you.

What's Your Financial Style?

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How Much Do You Need to Save for Retirement?

Our quick and easy calculator can help you evaluate how much money you need to start saving right now for retirement in order to achieve your goals. Use our retirement calculator to help you assess the effectiveness of your current retirement savings plan and decide if you need to make any adjustments.

Retirement Calculator

Are You an Industry Professional?

I'M WITH AN INSTITUTION I'M A FINANCIAL PROFESSIONAL

Financial Education for Individuals & Families

Learn about financial topics that can affect your life and the life of your family and loved ones. Read articles about retirement planning, life insurance, investing and more.

Take Control of Your Finances With Our Financial Planning Checklist

Mutual Funds vs. Stocks: Which to Choose?

Term Life vs. Whole Life Insurance

Understanding Average Retirement Savings by Age

Planning for Retirement? What to Know at Every Retirement Age Milestone

Types of Retirement Plans: Which Ones Apply to You?

How Much Do I Need to Retire at 62?

How Do Mutual Funds Work?

Explore All Articles

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Wealth Planning Tailored to You

Wealth planning is the experience of figuring out where you are today and where you want to go. We can help you develop a road map to guide you through life’s transitions.Tailored to enrich your life and the lives of your loved ones, we will help guide you through a seamless wealth planning experience as we curate your optimal financial plan.

Develop a Plan

small coffee shop business pension risk transfer

Increase Your Efficiency With Pension Risk Transfer

You have enough responsibility on your plate with your business. Pension risk transfer can be an effective pension plan alternative to save you time and money. Pension risk transfer allows you to replace pension benefits paid to your pension participants with annuity payments from an insurer.

Create More Stability

Contributing to a Stronger Community

We are dedicated to the vitality of our communities in which we live and serve. Western & Southern sponsors events and donates to local causes that improve health care, promote higher education, support the arts and provide basic resources to those who need it most.

Causes We Support

“Cincinnati is a vibrant community. Join us in making it the best city in America to have fun, raise a family, grow a career and prosper.”
- John F. Barrett, Chairman, President & Chief Executive Officer

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