W&S Financial Group Distributors is a member of 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.
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.
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.
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.
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.
Ready to Continue?
You have clicked a link to access information on a new website, so you will be leaving westernsouthern.com.
Because this new site is independent, Western & Southern Financial Group neither manages nor assumes responsibility for its content.