Our Family of Companies
western & southern financial group
western & southern life
columbus life insurance company
eagle realty group
fort washington investment advisors
gerber life insurance
integrity life insurance company
lafayette life insurance company
national integrity life insurance company
touchstone investments
western & southern financial group distributors
mother teaching her daughter how to ride a bike
2019 Annual Report

Our outstanding financial performance in 2019 is fueling our ability to deliver valuable financial solutions to you along life’s journey.

A Human Institution Serving Human Needs

Born as a modest, door-to-door business during America’s industrial age in the late 1800s — and built to last — Western & Southern is today among the financially strongest life insurance groups in the world.

We have endured and thrived because we never lost sight of our purpose: to provide financial strength and security to those we serve. We earn your trust by operating with integrity, making sensible decisions, and faithfully honoring our promises today, tomorrow and always.

Our family of companies continues to grow and diversify, fortifying our financial foundation and embracing new opportunities to meet your needs through superior service and an ever-expanding range of insurance, investment and retirement solutions.

We have always been a human institution serving human needs, committed to helping you live the life you want to live. This organizing principle united our founders and remains our mission today.

Download the 2019 Annual Report (PDF)

Message from Our Chairman

Now more than ever, the foundation of our success is the incredible corporate culture we have built and continue to improve every day. It guides our actions and drives us to do what it takes to meet the evolving needs of our customers, clients, associates and business partners while ensuring our company’s continued longevity.

- John F. Barrett, Chairman, President and Chief Executive Officer
financial strength - our ratings

Our Ratings

Financial ratings from the major rating agencies — A.M. Best, Standard & Poor’s, Fitch and Moody’s — are solid indicators of our financial strength and stability.

Western & Southern’s seven life and health 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 with an A/Excellent for its excellent ability to meet ongoing insurance obligations (third highest of 13 ratings held since January 2019).  Lafayette Life is not rated by Moody's, and its Comdex Ranking is 95.

Record Results

Western & Southern produced outstanding financial results in 2019. 
$5.3 Billion

total revenue

$5.1 Billion

life & health premiums & annuity sales

$764.5 Million

net income

$58.4 Billion

assets owned

$85.3 Billion

assets owned & managed

$10.9 Billion

total equity

Member Company Highlights

The financial solutions delivered by each of our member companies helped them drive excellent results in 2019.

Columbus Life Insurance Company

Expanded accelerated underwriting program to include life insurance with higher face amounts, resulting in much faster policy delivery for more clients.

Eagle Realty Group, LLC

Increased portfolio of mortgage loans by 14% over 2018 to $3.37 billion.

Fort Washington Investment Advisors, Inc.

Named a “Best Place to Work in Money Management” by Pensions & Investments for the sixth time.

Gerber Life Insurance Company

Grew total revenue to $985 million, an increase of more than 10% over 2018.

The Lafayette Life Insurance Company

Grew number of new life insurance policies issued by 104% over 2018.

Touchstone Investments®

Nearly two-thirds of Touchstone Funds outperformed their Morningstar peer group with one-third finishing in the top quartile.1

W&S Financial Group Distibutors, Inc.

Annuity purchases, which provide customers the opportunity for a lifetime income stream during retirement, reached a record high $2.7 billion.

Western & Southern Life

Achieved new highs in customer satisfaction and customer retention rates.

Institutional Markets

Increased life insurance policies placed from the Insurance Profillment Solutions platform by 238% over 2018.

Company Financials

Financial strength is critical to organizations like ours that strive to deliver solid results for you. With a heritage dating back to 1888, the disciplined way we approach our business delivers financial strength that is among the highest in the life insurance industry.

We weathered a persistently low interest rate environment in 2019 to finish the year in the best financial position in our company’s history. 
couple enjoying coffee outside

Solutions for Life's Journey

Our customers have been at the heart of everything we do since our founding in 1888. We remain committed to delivering what you need, when you need it and where you need it. 

The Western & Southern family of companies is delivering financial solutions that can help you grow and secure your financial future along life’s journey.

We are committed to delivering insurance, investment and retirement solutions that bring value to people all along life’s journey.

- Jill T. McGruder, Enterprise Chief Marketing Officer
jill t mcgruder
willies walkers team for ms walk

Giving Back

Our customers, associates and communities are at the center of everything we do. By helping them strive for financial strength and security, we gain the resources needed to help improve and advance our hometown of Cincinnati and beyond. 

Our support focuses on economic development, human services, health care, education and the arts. It’s all part of being true to the vision our founders had 132 years ago — we are a human institution serving human needs.

Our Careers

Our associates are our most valued resource. Our ability to attract, develop and retain the best talent helps determine our future success and makes us the ideal place for a career.
Explore Our Careers

Our Leadership

Discover how our chairman, president and CEO, board of directors and senior leadership build a successful culture of service, inspiration and leadership.
Meet Our Leadership Team

2019 Annual Report

Take a comprehensive look at our year.
Download the Report
1 Overall rating as of Dec. 31, 2019.