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Financial Plan B: Elephant in the Room

A Financial Plan B Can Address the “Elephant in the Room”

Do you have  a Financial Plan B for beneficiaries?

We’re talking about the matter of what can confront couples when one of them passes on. It’s the ‘elephant in the room’ that may seem too awkward to talk about. But it’s also too important to ignore..

You see, the problem is, we all tend to assume roles in relationships. One partner does the bills, another handles the investments. Or one knows the codes or passwords to this or that … but the other manages the paperwork. That may be fine for now – but not when one partner’s not around anymore.

Here’s some important information that each couple – and maybe even your children or key advisors – should know about:

  • Contact information for financial professionals — insurance agent, accountant, attorney, banker, etc.
  • Wills, insurance policies and other legal documents, such as powers of attorney, living wills, trusts, etc.
  • Real estate documents, such as mortgage company statements, titles, deeds, rental or lease agreements, etc.
  • Company benefits contacts, if entitled to pension, 401(k), stock options, workplace life insurance, etc.
  • Safe deposit box location and key; plus a list of contents kept somewhere other than in the box itself
  • Original birth certificates, marriage licenses, divorce decrees, naturalization papers
  • Financial accounts and statements, credit card numbers and contact information
  • Spouses’ Social Security numbers — and where original cards are kept
  • Car titles, registrations, loan or lease agreements and insurance
  • Passwords for banking, investment, tax and other accounts
  • Proof of military service if eligible for benefits
  • Tax records for the most recent five to seven years
  • Access information for a safe or vault
  • Funeral arrangement preferences


We have resources to help you get this information out in the open and saved for future use. There’s even a fillable reminder booklet to help you keep track of all the important information everyone needs to know.

Check out the Financial Plan B tools today below. And if you have any planning questions, ask your Western & Southern Financial Group Distributors representative.


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.