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Investor Relations

A resource for W&S investors

A Human Institution Serving Human Needs

Born as a modest, door-to-door life insurance company during America’s industrial age in the 1800s, Western & Southern Financial Group is today among the strongest life insurance groups in the world. We endure and thrive because we never lose sight of our purpose: to use our financial strength to provide financial 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.

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

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)

 S&P Ratings Analysis Report

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)

 Fitch Ratings Analysis Report

Aa3 excellent

Moody's

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

 Moody's Ratings Analysis Report

2024 Record Results

$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

Lytle Park fountain

Corporate Responsibility

Our Corporate Responsibility Report highlights our commitment to you and the communities we serve. Accomplishing our mission depends on key practices and policies designed to positively impact you, our communities and the world.
Explore Our Corporate Responsibility Report
Explore Our Corporate Responsibility Report

Financial Statements & Reports

Q2 2025 WSFG GAAP Unaudited Financial StatementsQ1 2025 WSFG GAAP Unaudited Financial StatementsQ2 2025 WSLIC STAT StatementsQ1 2025 WSLIC STAT StatementsQ2 2025 WSLAC STAT StatementsQ1 2025 WSLAC STAT StatementsWSFG September 2025 Investor Presentation
2024 WSFG GAAP Audited Financial Statements2024 WSLIC STAT Audited Financial Statements2024 WSLAC STAT Audited Financial StatementsQ3 2024 WSFG GAAP Unaudited Financial StatementsQ2 2024 WSFG GAAP Unaudited Financial StatementsQ1 2024 WSFG GAAP Unaudited Financial StatementsQ4 2024 WSLIC STAT StatementsQ3 2024 WSLIC STAT StatementsQ2 2024 WSLIC STAT StatementsQ1 2024 WSLIC STAT StatementsQ4 2024 WSLAC STAT StatementsQ3 2024 WSLAC STAT StatementsQ2 2024 WSLAC STAT StatementsQ1 2024 WSLAC STAT Statements2024 WSFG Annual ReportWSFG Investor Presentation May 2024
2023 WSFG GAAP Audited Financial Statements2023 WSLIC STAT Audited Financial Statements2023 WSLAC STAT Audited Financial StatementsQ3 2023 WSFG GAAP Unaudited Financial StatementsQ2 2023 WSFG GAAP Unaudited Financial StatementsQ1 2023 WSFG GAAP Unaudited Financial StatementsQ4 2023 WSLIC STAT StatementsQ3 2023 WSLIC STAT StatementsQ2 2023 WSLIC STAT StatementsQ1 2023 WSLIC STAT StatementsQ4 2023 WSLAC STAT StatementsQ3 2023 WSLAC STAT StatementsQ2 2023 WSLAC STAT StatementsQ1 2023 WSLAC STAT Statements2023 WSFG Annual ReportWSFG Investor Presentation May 2023
2022 WSFG GAAP Audited Financial Statements2022 WSLIC STAT Audited Financial Statements2022 WSLAC STAT Audited Financial StatementsQ3 2022 WSFG GAAP Unaudited Financial StatementsQ2 2022 WSFG GAAP Unaudited Financial StatementsQ1 2022 WSFG GAAP Unaudited Financial StatementsQ4 2022 WSLIC STAT StatementsQ3 2022 WSLIC STAT StatementsQ2 2022 WSLIC STAT StatementsQ1 2022 WSLIC STAT StatementsQ4 2022 WSLAC STAT StatementsQ3 2022 WSLAC STAT StatementsQ2 2022 WSLAC STAT StatementsQ1 2022 WSLAC STAT Statements2022 WSFG Annual ReportWSFG Investor Presentation May 2022
John F. Barrett

Message from Our Chairman

“Financial strength is the bedrock of the Western & Southern enterprise. It ensures we can meet every obligation with certainty and invest boldly in innovation and growth. Our long-term view and prudent risk management further ensure our strength and agility in the face of uncertainty. This foundation drives sustainable financial performance year after year and makes us essential to our clients’ success.”

- John F. Barrett, Chairman, President and Chief Executive Officer

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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.