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family protected by western southern for generations
Well Positioned to Honor Our Promises to You for Generations to Come

Through continued diversification of our business offerings, expanded distribution, and new products and capabilities, Western & Southern is well positioned to honor our promises to you — our policyholders, customers and clients — for generations to come.

Financial Strength That Helps Secure Your Future

Financial strength is critical to organizations like ours that strive to deliver solid results for you. We continue to endure and thrive because we have never lost sight of our purpose — to provide financial strength and stability to those we serve. With a heritage dating back to 1888, the disciplined way we approach our business delivers our customers, business partners and communities financial strength that is among the highest in the life insurance industry.

Record Results

Western & Southern produced outstanding financial results in 2024. 
$7.6 Billion

total revenue

$2.4 Billion

life and health premiums

$80.9 Billion

assets owned

$122.1 Billion

assets owned and managed

$708.1 Million

operating income

$3.5 Billion

investment income

2024 Annual Report cover

Annual Report

Even during such a difficult year, our consistent performance and financial strength make our company well suited to help provide the financial security Americans can count on.

Explore 2024 Annual Report Download 2024 Annual Report (PDF)
Explore 2024 Annual Report Download 2024 Annual Report (PDF)

Financial Ratings

Western & Southern’s life insurance companies — The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Columbus Life Insurance Company, Gerber Life Insurance Company, Integrity Life Insurance Company, National Integrity Life Insurance Company and The Lafayette Life Insurance Company — maintain very strong financial ratings. Gerber Life is rated only by A.M. Best.
A+ superior

AM Best Company

Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009 for six out of seven of Western & Southern Financial Group’s life insurance subsidiaries, rating held since February 2024 for Gerber Life)
AA- very strong

Standard & Poor's

Very strong financial security characteristics (fourth highest of 21 ratings; rating held since August 2018)
AA very strong

Fitch

Very strong capacity to meet policyholder and contract obligations on a timely basis (third highest of 21 ratings; rating held since June 2009)
Aa3 excellent

Moody's

Excellent financial security (fourth highest of 21 ratings; rating held since February 2009)
95 out of 100

Comdex Ranking

Composite of the ratings a company has received from the major rating agencies

Annual Report Archives

2024 Annual Report (PDF)

2023 Annual Report (PDF)

2022 Annual Report (PDF)

2021 Annual Report (PDF)

2020 Annual Report (PDF)

2019 Annual Report (PDF)

2018 Annual Report (PDF)

2017 Annual Report (PDF)

2016 Annual Report (PDF)

2015 Annual Report (PDF)

2014 Annual Report (PDF)

2013 Annual Report (PDF)

2012 Annual Report (PDF)

2011 Annual Report (PDF)
2010 Annual Report (PDF)

2009 Annual Report (PDF)

IMPORTANT DISCLOSURES

The ratings are correct as of June 2, 2025, 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. Financial strength ratings apply to the individual member insurance companies affiliated with Western & Southern. The Lafayette Life Insurance Company is not rated by Moody’s.