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Will Your Retirement Income Last?
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Financial Strength That Builds Lifetime Value

Helping protect American families with financial products and risk management solutions

Strength By the Numbers

A Legacy of Strength

Western & Southern Financial Group, Inc., our parent, is a mutual holding company focused on doing what’s right for policyholders. Guiding principles 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 a century of experience and stability that we provide to generations of customers to help them create an income, leave a legacy and protect a family.
Life Insurance Can Help Keep Your Financial Life on Track

Take 80 seconds to learn some important life insurance facts. They can help you make informed decisions about your family’s financial future. Play this video and consider how we can help protect the ones you love.

Solutions for Retirement & Legacies

Through financial professionals, we offer insured solutions for individuals and families.

Pass Your Legacy Forward

Consider Legacy Forward® II, a single premium universal life policy, for a guaranteed and leveraged death benefit.

Income Stream for Life

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

Navigate Paths to Retirement

Indextra® Series, a single premium deferred fixed indexed annuity, offers a path for future wealth building backed by the assurance of solid protection through a guaranteed minimum account value and a death benefit1.

Prepare for the Unexpected

Critical Illness Plus2 offers a lump-sum benefit upon diagnosis of certain critical illness events and as an individual limited death benefit health insurance policy may help fill financial gaps not covered by traditional health, disability and life insurance.

Check Your Retirement Income Success

Will your retirement income last? See how certain factors may affect it. Try our tool to test your income success. 
Retirement Income Calculator

Perspectives for Financial Professionals

Your source for insights into industry matters and ideas for needs-based strategies and better client relationships.
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Planning a Legacy

A story can help put both a client and a financial representative on the same page
Estate Planning Considerations
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How Social Security Income Is Taxed

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

Risk is all around us. And 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. 

1 An annuity contains guarantees and protections that are subject to the issuing insurance company’s ability to pay for them. But these guarantees don’t apply to any variable accounts that are subject to investment risk, including possible loss of your principal.

2 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.

Securities offered through Touchstone Securities, Inc., Cincinnati, OH, a registered broker-dealer and member FINRA/SIPC.


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