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Only You Can Envision Your Future, but We Can Help Protect It

Life Insurance

You know you should protect your family for a worst-case scenario, but life insurance can be overwhelming. The good news is that taking steps now may help you and your loved ones reach greater financial security and enjoy peace of mind. Whether you need temporary protection for a shorter term or a more permanent solution, we offer many different types of coverage that can align with your needs.

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What Type of Life Insurance Is Best for You?

Insurance and financial products aren't always one-size-fits-all solutions. Western & Southern offers you a variety of options to help protect each different stage of your life.

Benefits Whole Life Universal Life Term Life
Guaranteed Lifetime Coverage Coverage that lasts throughout your entire life
Instant Online Quotes Preliminary instant quotes available to access your potential premium payouts and coverage if you qualify
May Build Cash Value Cash that grows tax-deferred and may be used during your lifetime
Fixed Premiums Same amount owed every time a payment is due
Flexible Premiums Adjustable premium and death benefit amounts when your needs change
Convertible Term Ability to convert your policy to permanent insurance with no additional underwriting
May Earn Dividends Potential income from company profits at recurring times throughout the year

Types of Life Insurance Policies

Whole Life Insurance

Permanent life insurance providing you with personalized, lifelong coverage


Universal Life Insurance

Flexible, permanent insurance that can adjust as your needs change


Term Life Insurance

Flexible, affordable protection for your short-term insurance needs

Learn More About What Life Insurance Could Do for You

We can help insure the ones you love.  In the event of a tragedy, life insurance could help keep your financial life on track.

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?

Backed by nearly 130 years of financial strength, Western & Southern has been providing individuals, families and small businesses — people just like you — with exceptional personalized service since 1888. As one of the strongest life insurance groups in the world, we’re here to help protect your future, offering you stability you can count on. Our products and services include life insurance, annuities and a wide range of other financial solutions to meet your specific needs.

Product and feature availability, as well as benefit provisions, vary by state. See your financial professional for product details and limitations.

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