Our Family of Companies
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Built for Times Like These

Built for Times Like These

When times are tough, look to a company that has stood the test of time. Western & Southern Financial Group stands among the strongest life insurance groups in the world.


Financial Solutions You Can Count On

Retirement income. Beneficiary protection. Product guarantees. And more. We offer a wide variety of insurance and retirement strategies that can manage your financial risks and help meet these financial needs. Look to our products for features and benefits you can count on.
Let Our Strengths Be Your Strength

These days, it’s important to work with a company you can believe in. You can be confident in our company’s history and stability. View this short video for the facts on our formidable foundation.

Income Outcomes Study

WOW! Concerns and Confidence Collide! 

What are the top retirement concerns among retirees and pre-retirees, and how well have they planned for lifetime income? You may be surprised. 

Hear what those age 50-75 say they need and want to help build retirement income resources and confidence.

See our “Income Outcomes” Retirement Planning Confidence Survey for key insights...top takeaways...and more.

Solutions for Retirement & Legacies

Examine insured solutions for individuals and families

Enjoy an Income Stream for Life

See IncomeSource® for converting some retirement savings into retirement income you can’t outlive.

Pass Your Legacy Forward

Consider Legacy Forward® II for guaranteed life insurance death benefit with asset transfer advantages.

Navigate Paths to Retirement

Select Indextra® fixed indexed annuity to pursue potential growth plus the protection of a guaranteed minimum account value.1

Plan for Your Retirement

Explore the growth opportunities and income flexibilities of fixed annuities.
Distributors YouTube Channel

See What We’re Saying on YouTube

Browse our YouTube channel for dozens of quick-view videos. See what you can learn on such play lists as …

Term Talks: Simple language financial explanations.

Retirement Talks: Upbeat retirement stories.

Financial Talks: Short messages by pro football commentator Cris Collinsworth.

Strategies & Solutions: Easy-to-understand product info.

icon representing retirement checkup calculator

Calculate Your Legacy

What’s the best way to pass a legacy forward?
Our easy-access, mobile-friendly calculator can help you find out.
All it takes is a few quick clicks to compare.
Beneficiary Gift Calculator

Value Add Central

View valuable financial services information for your future.
social security building

Social Security Know How

Expand your knowledge about Social Security strategies.
Senior couple discussing finances

Financial Plan B:
Elephant in the Room

Discover the “elephant in the room” and how to address it with a Financial Plan B.
multi-generation family playing football on the beach

Multigenerational Income

Investigate ways to ensure income payouts for multiple generations of your family.

Western & Southern dates to the 1888 founding of The Western and Southern Life Insurance Company.

1 Annuity guarantees subject to issuing company ability to pay for them. These don’t apply to variable accounts subject to investment risk, including possible loss of principal.

IncomeSource issued by Integrity Life Insurance Company, Cincinnati, OH, and National Integrity Life Insurance Company, White Plains, NY. Single Premium Immediate Annuity contract series ICC16 ENT-01 1701, ENT-01 1701 NY. Indextra issued by Integrity Life Insurance Company, Cincinnati, OH. Single Premium Deferred Annuity Contract with Indexed Interest Options series ICC14 ENT-03 1406. Legacy Forward II issued by National Integrity Life Insurance Company, White Plains, NY and Western-Southern Life Assurance Company, Cincinnati, OH. Single Premium Universal Life Policy contract series ICC12 1301-3030 WSA, ICC12 1301-3030 NIL, 1301-3030 NIL NY.

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59 ½ may be subject to 10% IRS penalty.

Annuity contracts have terms and limitations for keeping them in force. Please contact a financial representative for complete details.

An annuity is a long-term financial vehicle designed for retirement. An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement. 

W&S Financial Group Distributors, Inc. (doing business in CA as W&S Financial Insurance Services) is an affiliated life insurance agency of the issuer. Issuer has sole responsibility for products. Products vary by distribution and state. For full details, contact a representative.

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