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Insurance For Life's Challenges

Helping individuals and families enjoy financial confidence is something the Western & Southern Financial Group family of companies has done since 1888. Insured protection against a household’s loss of a wage earner due to death or critical illness is an essential component of a complete financial plan. We help insurance professionals connect clients with financial solutions for the future well-being of them and their loved ones. 

Types of Insurance Solutions

Critical Illness Insurance

Help fill financial gaps not covered by traditional health, disability or life insurance
Critical Illness Plus

Life Insurance

Help leverage assets intended for others into a larger, income-tax-free death benefit1
Legacy Forward II
Learn How Life Insurance Can Help Keep Your Financial Life on Track Video

It only takes a couple of minutes to learn some important life insurance facts to help make informed decisions about your family’s financial future. Play this video now to learn how we can help insure the ones your 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.

©2017 Western & Southern Financial Group, Inc. All rights reserved.

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Why Western & Southern Financial Group Distributors?

Western & Southern has a heritage of providing life insurance solutions to people just like you for the past 130 years.  Our financial ratings from the major rating agencies are solid indicators of our financial strength, offering you the stability you can count on. As one of the strongest life insurance groups in the world, we know how to help protect your future.
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IMPORTANT DISCLOSURES

1A life insurance policy provides a tax-free death benefit unless the policy reaches maturity; at that time, you may be assessed ordinary income tax on any cash value proceeds received minus premiums paid. 

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