Annuities Can Help Address Retirement Risks & Goals

Annuities

Expanding lifespans. Growing costs. Shifting markets. Changing interest rates. Shrinking pensions. Securing a comfortable retirement lifestyle poses mounting challenges. And carries greater personal responsibility.

Annuities can help address long-term challenges. Their guarantees help protect against financial risks during accumulation and payout. For retirement well-being, consider annuity products that turn assets into reliable, repeatable, sustainable, protected lifetime income.¹

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.

Types of Annuity Solutions

Fixed Annuities

Accumulate interest at a specified rate and the funds can then be paid out as income at a later date

Explore Fixed Annuities

Income Annuities

Create income or future retirement income that can be guaranteed for life

Explore Income Annuities

Indexed Annuities

Earn interest based on changes in a market index with protection against loss of principal

Explore indextra FIA

Variable Annuities

Consider investment options with performance related to the stock market

explore Variable Annuities

IMPORTANT DISCLOSURES

Guarantees are based on the claims-paying ability of the insurer. Products are issued and guaranteed by Western-Southern Life Assurance Company, Cincinnati, OH, Integrity Life Insurance Company, Cincinnati, OH, or National Integrity Life Insurance Company, Greenwich, NY. Securities offered by Touchstone Securities, Inc.*. All companies are members of Western & Southern Financial Group. 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 financial responsibility for its products. Contracts have limitations. Annuity benefits offered may vary due to misstatement of sex or age. Interest rates are declared by the insurance company at annual effective rates, taking into account daily compounding of interest.

Western & Southern member companies and their agents do not offer tax advice. For specific tax information, consult your attorney or tax advisor. Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for availability, details and limitations.

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.

Why Annuities From W&S Financial Group Distributors?

When you’re planning how to create a financially secure retirement, you may want to consider annuities from a company with a history of stability. With our solid financial ratings from widely regarded independent agencies and a heritage of more than 130 years of financial strength, Western & Southern has become one of the strongest life insurance groups in the world.²

² Insurance companies issuing variable life insurance and variable annuities provide a number of specific guarantees. For example, an insurance company may guarantee a minimum death benefit for a variable life insurance policy or the company may guarantee a schedule of payments to a variable annuity owner. Variable life insurance policies and variable annuities may also offer a fixed investment account which is guaranteed by the insurance company. The relative safety resulting from such a guarantee must not be overemphasized or exaggerated as it depends on the claims-paying ability of the issuing insurance company. There must be no representation or implication that a guarantee applies to the investment return or principle value of the separate account. Similarly, it must not be represented or implied that an insurance company’s financial ratings apply to the separate account.

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