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Terms & Conditions

This page contains important information on your use of the Western & Southern Financial Group, Inc., Cincinnati, Ohio, website. Your use of this website, and any services provided through this website, is expressly conditioned on your acceptance of these Terms and Conditions. If you do not agree with any part of these Terms and Conditions, you must not use this site or any services provided therein.

Manner of Use

The life insurance and financial products and services material on this website is for informational and educational purposes only. Western & Southern Financial Group does not offer any opinion on the specific suitability or appropriateness of any product or service for any particular customer or situation. The website is not intended to provide investment recommendations or endorsements, does not provide personalized investment, tax or legal advice, and must not be relied upon by you as such. The information on this website is necessarily limited in scope and does not contain all applicable terms, conditions, limitations, exclusions, or other relevant data.

By accessing this website, you agree not to use the Western & Southern Financial Group website or services offered in any manner that could interfere with the operation of the website or with any other user’s use of the website or any services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided on or through this website.


The information you submit through the Western & Southern Financial Group website for which a password is required is protected through encryption technology. All other information submitted, however, including electronic mail inquiries, is submitted through the internet, which is an unsecured, public network. To protect your privacy, please do not communicate information that you want kept confidential. Western & Southern Financial Group assumes no liability for any loss or damage that arises from unaccepted e-mail requests, orders, or instructions or from interception and/or unauthorized use by third parties of information you send by e-mail. All messages sent by you, or to you, and all activity on this website or services provided, may be monitored and/or reviewed by Western & Southern Financial Group and will be recorded and archived in accordance with applicable record retention and privacy policies. These records are available for review by Home Office Associates, Sales Representatives, and/or regulatory examiners.

Disclaimer of Warranties

The information contained on or through the Western & Southern Financial Group website (including, but not limited to, text, graphics, and functionality) is provided on an “As Is” and “As Available” basis and without warranties of any kind, either express or implied. Western & Southern Financial Group does not warrant that this website or any services provided will be uninterrupted or error free, or that this website or any services provided are free of viruses or other harmful components; nor does Western & Southern Financial Group make any representation or warranty as to the results that may be obtained from the use of this website, any services provided, or as to the timeliness, sequence, accuracy, completeness, reliability or content of any information, data or service provided through the website, or its suitability or appropriateness for any purpose.

There are no implied warranties of merchantability or quality, fitness for a particular use, or accuracy of information content, and no other warranty of any kind, express or implied, regarding this website information or materials, or any aspect of this website, including but not limited to account access, even if Western & Southern Financial Group has been advised or is otherwise aware of the possibility of such damages, including without limitation, liability associated with any viruses, which may infect your computer equipment or related software. To the fullest extent permitted by law, we disclaim all representations, warranties and conditions of any kind (express, implied, statutory or otherwise, including but not limited to the warranties of merchantability and fitness for a particular purpose, title and non-infringement of proprietary rights) as to this website and all information, products and other content (including third party information, products and content) included in or accessible from this website.

Limitation of Liability

Your use of this website or any other electronic service provided by Western & Southern Financial Group is entirely at your sole risk. In exchange for using our site and viewing its contents, you agree to hold harmless Western & Southern Financial Group, its representatives, its officers, directors, employees, affiliates, contractors, information providers, information transmitters, licensors, and/or agents for any possible claims or damages arising from your use of or access to this website, your decisions based on information provided on this website, or for any inaccuracy, incompleteness, or other content error that may be found therein. This release of liability, where permitted by law, includes, but is not limited to, direct, indirect, incidental, punitive, and consequential damages.

We will not be liable if you are unable to obtain access to the Western & Southern Financial Group website or any services provided herein or if information provided is inaccurate or incomplete or a request cannot be completed due to market conditions, systems problems, power failures, acts of God, acts of nature, telecommunications failures, scheduling requirements, safety precautions, viruses, or other circumstances beyond our control. We will not be liable for any claims or damages of any nature arising out of or relating to either the use of or the content, materials, tools, services or information on this website, including, but not limited to, any decision made or action taken by you in reliance thereon, or any loss or injury caused in whole or in part by negligence, interruptions of service, or contingencies beyond our control, breaches of security resulting from your failure to ensure the confidentiality of your personal information, including your User ID or your Password, breaches of security by third parties, information reported through the website obtained from third parties or for any types of damages (such as, but not limited to, direct, indirect, consequential, special, incidental, punitive or exemplary damages), even if advised of the possibility of such damages.

Except as specifically set forth herein or where the law requires a different standard, we shall not be responsible for any loss, damage, or injury or for any direct, indirect, special, incidental, exemplary or consequential damages, including lost profits, arising from or related to the system, equipment, browser, and/or the installation or maintenance thereof, access to or use of the Western & Southern Financial Group website or any services provided herein, failure of electronic or mechanical equipment, the internet, the system or communication lines, telephone or other interconnect problems, bugs, errors, configuration problems or incompatibility of computer hardware, software, the Internet or the system, failure or unavailability of Internet access, problems with Internet service providers, problems or delays with intermediate computer or communications networks or facilities, problems with data transmission facilities or any other problems you experience due to causes beyond our control.

Products & Services Availability

This website is not all-inclusive. Nothing contained on or through this website is intended as an offer to sell or a solicitation of an offer to buy any Western & Southern Financial Group insurance product or service in any jurisdiction. Any inquiries regarding the possible purchase of a product will be directed to a licensed insurance agent. The information and descriptions of products and services contained in this site are intended as general information and do not contain all of the terms, conditions, limits and exclusions applicable to the products and services offered by Western & Southern Financial Group. Western & Southern Financial Group may make improvements and/or changes in the products, services and/or programs described on this site at any time without notice. Availability of the products and services described varies by state. Therefore, you may not be eligible for all the products or services desired. We reserve the right to determine your eligibility for any product or service.

This web site does not amend, modify or supplement any product or service offered by the Company. Your eligibility for particular products and services may be subject to underwriting and eligibility requirements acceptance. No representations are made herein that coverage does or does not exist for any particular claim or loss, or type of claim or loss. Whether insurance coverage exists or does not exist for any particular claim or loss under any such policy depends on the facts and circumstances of the claim or loss and all applicable policy wording. The precise coverage afforded is subject to the terms, conditions, limits and exclusions of the policies as issued and may vary from the general, summarized coverage descriptions in this site. Refer to the actual policy for a full description of applicable terms, conditions, limits and exclusions. In the event of a discrepancy between the descriptions on the site and the insurance policy, the insurance policy or contract shall control.

Linked Websites

This website may contain a link to sites maintained by third parties for your convenience only. Western & Southern Financial Group does not endorse, approve, or certify any information at such websites nor is Western & Southern Financial Group in any way responsible for the content or operation of any such website. Western & Southern Financial Group makes no representations about any such website you may access that is not affiliated with Western & Southern Financial Group. Western & Southern Financial Group has no control over the products, services, materials, or other information contained in or available through third party websites. The quality and dependability of any third party website may vary as it is updated or altered. Western & Southern Financial Group does not guarantee the accuracy, completeness or usefulness of any materials or content linked to in third-party sites, and cannot and does not guarantee or warrant that files available for downloading from this website or any linked website are free from viruses or other malfunctions. Third party websites contain information created, published, maintained or otherwise posted by organizations independent of Western & Southern Financial Group. All trademarks and copyrights appearing on third party websites are the property of their owners, unless otherwise stated.

Trademark & Copyright

Western & Southern Financial Group or its affiliates and agents own all content on our site, and United States copyright laws and international treaty provisions protect this content. Any use of content, trademarks, service marks, trade names, logos, images, or icons displayed on Western & Southern Financial Group’s Website is strictly prohibited. Unauthorized use may be a violation of copyright, trademark and publicity laws, or other statutes and regulations.


Western & Southern Financial Group may amend these Terms and Conditions from time to time by updating this posting. Your continued use of this website and/or any services provided is your agreement to the terms of any and all such amendment(s). You should review these Terms and Conditions periodically to understand the terms and conditions to which you are bound.


Western & Southern Financial Group may terminate your access to the website for any reason, without prior notice.

Governing Law

Unless otherwise agreed, these Terms and their enforcement are governed by the laws of the State of Ohio, without regard to conflicts of law, and shall inure to the benefit of Western & Southern Financial Group's successors and assigns, whether by merger, consolidation, or otherwise.