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Financial Strength That Builds Lifetime Value

Offering financial products and risk management solutions to help protect Middle American families

Strength By the Numbers

A Legacy of Strength

We are a mutual holding company focused on doing what's right for our policyholders, not stockholders. We believe in guiding principles that help us innovate with vision, collaborate as a team and operate with integrity. Our strength comes from our corporate heritage dating back to 1888. That's more than century of experience and stability that we provide to generations of individuals to help them create an income, leave a legacy, or protect a family. 

Learn How Life Insurance Can Help Keep Your Financial Life on Track Video

It only takes a couple of minutes to learn some important life insurance facts to help make informed decisions about your family’s financial future. Play this video now to learn how we can help insure the ones your love.

Life Insurance Facts

Eighty-four percent of Americans would agree most people need life insurance, yet when asked, only 70% said they needed any. (Insurance Barometer Study, LIMRA & Life Foundation, 2017)

In the event of a tragedy, life insurance can help pay bills, continue a family business, finance children’s education and protect a spouse’s retirement plan. (LIFE Happens, 2017)

If the primary wage earner died, 62% of families would immediately have trouble meeting everyday living expenses. Forty-three percent of families would have trouble meeting expenses after several months. (Trends in Life & Insurance Ownership, LIMRA, 2016)

One in five households with children under age 18 have no insurance whatsoever. (LIMRA Facts About Life, 2016)

Over 100 million adults are without life insurance in the United States. (“2015 Insurance Barometer Study”, Ashley Durham, LIMRA and Life Happens, April 14, 2015)

Seven in 10 U.S. households own life insurance. On average, they only own enough to replace their household income for three years. (2016 Insurance Barometer Study, LIMRA)

Almost 45% of U.S. households say they are likely to buy life insurance in the next 12 months. (LIMRA Facts About Life, 2016)

Forty-three percent of those age 25-44 are concerned with leaving dependents in a difficult situation should they die prematurely. (2015 Insurance Barometer Study, Life Happens and LIMRA)

Top three reasons for not having life insurance are:
• Sixty-six percent say it’s just too expensive for them.
• Sixty-six percent say other financial priorities take higher precedence.
• Fifty-four percent feel they have as much as they need right now.
(Insurance Barometer Survey, 2017)

We can help you insure the ones you love. Start now.

Western & Southern Financial Group

The Western and Southern Life Insurance Company, Cincinnati, OH, operates in DC and all states except AK, CT, ME, MA, NH, NY and VT. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI.

©2017 Western & Southern Financial Group, Inc. All rights reserved.

IGV-SN01 1711

Solutions With Annuities & Insurance 

Through our distribution channels—independent advisors, broker-dealers; independent marketing organizations; financial institutions, banks; registered investment advisors and fee advisors—we offer a suite of financial service solutions ranging in annuities and insurance from issuing companies that serve financial professionals working with individuals and families.

Pass Your Legacy Forward

Legacy Forward® II is a single premium universal life policy designed for guaranteed and leveraged death benefits

Income Stream for Life

Explore IncomeSource® for converting some retirement savings into retirement income through a single premium immediate annuity

Navigate Paths to Retirement

Indextra® Series is a single premium deferred fixed indexed annuity that offers a path for future wealth building backed by the assurance of solid protection through guaranteed minimum account value and death benefits

Prepare for the Unexpected

Critical Illness Plus* offers lump sum benefit upon diagnosis of certain critical illness events and is an individual limited benefit health insurance policy that may help you fill the financial gaps not covered by traditional health, disability, and life insurance
Securities offered by Touchstone Securities, Inc., member FINRA/SIPC
Make informed choices about your financial future. Visit BrokerCheck by FINRA.

Thought Leadership for Financial Professionals

Viewpoints are your source for financial services industry knowledge and ideas that can help your selling strategies and strengthen client relationships.
Couple discussing future with an advisor

Planning a Legacy

When it comes to legacy planning, there are ways a story can help both a financial representative and a client get on the same page
Estate Planning Considerations
social security cards

How Social Security Income Is Taxed

Income Benchmarks may trigger taxation on up to 85 percent of a Social Security benefit
Understanding Tax Implications
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Navigating Retirement Risk Landscape

The fact that risk is all around us is nothing new. Representatives and clients know that in the financial world, certain risks can send retirement goals off course
Risk Factors to Your Plans
Western & Southern dates back to the founding of The Western and Southern Life Insurance Company in 1888. 

*Critical Illness Plus is the marketing name for specified disease insurance in New York and critical illness in all other states.

This Critical Illness Plus insurance policy, as well as the Accidental Death Benefit rider if elected, contain exclusions, limitations, and terms for keeping it in force. Policy availability, benefits, coverage, exclusions, and limitations may vary by state. Limited Benefit policy series 0907-80 and 0907-80-U.

Single Premium Universal Life Policy contract series ICC12 1301-3030 WSAICC12 1301-3030 NIL, 1301-3030 NIL NY.  Single Premium Immediate Annuity contract series ICC09 ENT-01 0901, ENT-01 0901, ENT-01 0901 NY.  Single Premium Deferred Annuity Contract with Indexed Interest Options series ICC14 ENT-03 1406.

W&S Financial Group Distributors is an affiliated agency of the issuer. Issuer has sole responsibility for its products. Products may not be available in all states. For complete coverage information and product availability, contact your financial representative.

NOTE: Product availability may vary by distribution channel and state availability. Please consult your financial professional for the products they represent.

No bank guarantee.
Not a deposit.
May lose value.
Not FDIC/NCUA insured.
Not insured by any federal government agency.

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