1Chronic illness benefit available for issue ages 55-80. Chronic illness means the insured has been unable to perform without substantial assistance, at least two of the six Activities of Daily Living (bathing, dressing, toileting, continence, transferring and eating) for a period of at least 90 consecutive days due to a loss of functional capacity, or requires substantial supervision to protect themselves from threats to health and safety due to severe cognitive impairment. In CT, the insured also must have been confined for at least six months.
2Policies underwritten by Western-Southern Life Assurance Company, Cincinnati, OH, or National Integrity Life Insurance Company, Greenwich, NY.Western & Southern Life operates in DC and all states except AK, ME, NH, NY, and RI. National Integrity operates in ME, NH, NY, and RI. NAIC numbers 92622 & 75264. W&S Financial Group Distributors, Inc. is an affiliated agency of the issuer. The issuer has sole financial responsibility for its products. All are members of Western & Southern Financial Group.
Legacy Forward II product and feature availability varies by state. Policy series ICC12 1301-3030 WSA, ICC12 1301-3030 NIL and 1301-3030 NIL NY and rider series ICC12 1301-305 WSA, ICC12 1301-305 NIL, 1301-305 NIL NY, ICC12 1301-2626 WSA, 1301-2626 WSA, ICC12 1301-2626 NIL, ICC10 1010-2622 WSA, ICC11 1010-2622 NIL and 1010-2622 NIL NY.
Policy and premium charges will be deducted as described in the policy. This policy is a Modified Endowment Contract (MEC) for tax purposes. Distributions are taxable to the extent that there is gain in the contract. A 10% penalty applies for distributions prior to age 59½ with certain exceptions such as partial surrenders and unpaid loans will reduce the death benefit, and may have tax consequences.
Western & Southern Financial Group member companies and their agents do not offer tax advice. For specific tax information, contact your attorney or tax advisor.
W&S Financial Group Distributors is an affiliated agency of the issuer. Issuer has sole responsibility for its products. Products may not be available in all states. For complete coverage information and product availability, contact your financial representative.
NOTE: Product availability may vary by distribution channel and state availability. Please consult your financial professional for the products they represent.
No bank guarantee.
Not a deposit.
May lose value.
Not FDIC/NCUA insured.
Not insured by any federal government agency.
