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Annuities Can Help Address Retirement Risks & Goals


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

“Stretch Annuity” Strategy

Pass annuity payouts to the people you love

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, White Plains, NY. 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.

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.

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.

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