grandfather happy to have life insurance to pass down to grandson
Only You Can Envision Your Future, but We Can Help Protect It

Our Life Insurance Solutions Offer You Security, Affordability & Flexibility

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
  Whole Life Universal Life Term Life

How Much Life Insurance Do You Need?

Life insurance can be an important element of your overall financial strategy. Answer a few quick questions about your life situation to estimate how much coverage you might need.

Calculate My Life Insurance Needs

How Much Life Insurance Do You Need?

Figuring out how much life insurance to buy depends on your annual income and how long your family will need to rely on this income. You can quickly determine your coverage amount by answering three simple questions. For a more detailed analysis, try our advanced calculator, which takes into consideration your assets, debt, final expenses, childcare and education costs.
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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

Life Insurance Can Help Keep Your Financial Life on Track

Take 80 seconds to learn some important life insurance facts. They can help you make informed decisions about your family’s financial future. Play this video and consider how we can help protect the ones you 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 Life Insurance From Western & Southern?

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 stability you can count on. As one of the strongest life insurance groups in the world, we know how to help protect your future.
Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

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