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family protected by western southern for generations
Well Positioned to Honor Our Promises to You for Generations to Come

Through continued diversification of our business offerings, expanded distribution, and new products and capabilities, Western & Southern is well positioned to honor our promises to you — our policyholders, customers and clients — for generations to come.

Financial Strength That Helps Secure Your Future

Financial strength is critical to organizations like ours that strive to deliver solid results for you. We continue to endure and thrive because we have never lost sight of our purpose — to provide financial strength and stability to those we serve. With a heritage dating back to 1888, the disciplined way we approach our business delivers our customers, business partners and communities financial strength that is among the highest in the life insurance industry.

Record Results

Western & Southern produced outstanding financial results in 2018. 
$4.7 Billion

total revenue

$4.3 Billion

life & health premiums & annuity sales

$721.2 Million

net income

$51.8 Billion

assets owned

$75.1 Billion

assets owned & managed

western and southern financial group annual report 2018

Annual Report & Financial Summary

We are pleased to report that the 130th anniversary of our company’s founding was indeed our best year yet. We finished 2018 with record results in total revenue, life and health premiums, annuity sales and net income.

2018 Annual Report (PDF)

2018 Financial Summary (PDF)

Financial Ratings

Financial ratings from the four major rating agencies — A.M. Best, Standard & Poor's, Fitch and Moody's — are solid indicators of a company's financial strength and stability.1
A+ superior

A.M. Best Company

Superior ability to meet ongoing insurance obligations (second highest of 16 ratings; rating held since June 2009) 
AA- very strong

Standard & Poor's

Very strong financial security characteristics (fourth highest of 21 ratings; rating held since August 2018)
AA very strong


Very strong capacity to meet policyholder and contract obligations on a timely basis (third highest of 21 ratings; rating held since June 2009)
Aa3 excellent


Excellent financial security (fourth highest of 21 ratings; rating held since February 2009)
comdex ranking 96 out of 100

Comdex Ranking

Composite of the ratings a company has received from the major rating agencies

Annual Report & Financial Summary Archives


1 The ratings are correct as of September 4, 2019, 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. A.M. Best is reviewing the ratings of Gerber Life Insurance Company following completion of Western & Southern’s purchase of the company on Dec. 31, 2018. The other rating agencies do not rate Gerber Life.