LIFE INSURANCE

Help Protect Your Family’s Future

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What Is Life Insurance?

A life insurance policy is a contract where you pay premiums to an insurance company in exchange for a lump-sum payment, known as a death benefit, to your beneficiaries when you die. This death benefit helps provide financial security to your loved ones, helping them cover expenses like funeral costs, mortgage payments, or lost income.

Why Do I Need Life Insurance?

Protection

44% of families say they would face financial hardship if the primary wage earner died within 6 months²

Financial Security

69% of people agree that having life insurance is a key part of taking care of their loved ones financially¹

Sense of Ease

69% of consumers with life insurance say they are less stressed knowing their loved ones are financially protected with life insurance¹

What Are the 3 Main Types of Life Insurance?

Whole Life Insurance

Permanent life insurance with no expiration date
Policy premiums remain constant
Accumulates cash value
May offer the potential for dividends

Explore Whole Life Policies

Universal Life Insurance

Permanent life insurance coverage can potentially last your entire life
Flexibility to change death benefits and premium each year
Accumulates cash value
You can withdraw money or borrow against the policy's cash value

Explore Universal Life Policies

Term Life Insurance

Lasts for a set amount of time, such as a five-year term or a 30-year term
Premiums are fixed and guaranteed not to change for the term length
Can be converted to permanent life insurance coverage at any point
Plan stays with you were you to change employers

Explore Term Life Policies

Why Western & Southern?

We have a heritage of providing life insurance for over 135 years. Our financial ratings from the major rating agencies are indicators of our financial strength, offering you the stability you can count on. As one of the strongest life insurance groups, we know how to help protect your financial future.

Financial Strength

Longevity & Stability

Financial Ratings

family on couch reviewing life insurance policies

Which Is the Best Life Insurance Policy for Me?

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.

Learn about the different types of life insurance options and the benefits of each.

Benefits	Whole Life	Universal Life	Term Life
Guaranteed Lifetime Coverage Coverage that lasts throughout your entire life as long as premiums are paid	Checked	Checked	NotChecked
Instant Online Quotes Preliminary instant life insurance quotes available to access your potential premium payouts and coverage	NotChecked	NotChecked	Checked
May Build Cash Value Cash that grows tax-deferred and may be used during your lifetime	Checked	Checked	NotChecked
Fixed Premiums Same amount owed every time a payment is due	Checked	NotChecked	Checked
Flexible Premiums Adjustable premium and death benefit amounts when your needs change	NotChecked	Checked	NotChecked
May Earn Dividends Potential income from company profits at recurring times throughout the year. Dividends are not guaranteed	Checked	NotChecked	NotChecked
	Whole Life	Universal Life	Term Life

How Much is Life Insurance?

The cost of life insurance depends on several key factors:

Death benefit amount
Type of policy and term length
Age, gender, and medical history
Lifestyle and occupation

Did You Know?

About three-quarters of U.S. adults overestimate the cost of life insurance, and young, healthy adults often guess premiums that are 7 to 12 times higher than reality, according to the 2025 Insurance Barometer Study by Life Happens and LIMRA.

A healthy adult can often get a $250,000, 20-year term life policy for just a few hundred dollars per year, not the thousands many assume.²

How Much Life Insurance Do I Need?

Answer a few questions about your life situation to estimate how much coverage you might need.

What is your annual income?

How many years is your family relying on your annual income?

How much do you have in existing life insurance coverage?

Advanced Calculator

Assets

About how much do you have in savings and investments?

Include bank accounts, mutual funds, stocks and bonds, IRAs and 401(k) accounts etc.

Debt

About how much do you currently owe?

Include mortgage balance, home equity loans, credit card debts, car loans and any other debt your family would need to pay off.

Final Expenses

How much would your family need to pay for your funeral?

The average traditional funeral costs between $7,000 and $8,000 in the U.S.

Children

How much will you need to cover education and daycare expenses for all your children?

How much will you need to cover education and daycare expenses for all your children? Include primary and higher education costs.

Frequently Asked Life Insurance Questions

We offer term life, whole life, and universal life insurance policies. Each serves a different purpose: temporary protection, lifelong guarantees, or flexible coverage with cash value.

Life insurance primarily covers the death of the insured person, providing a tax-free death benefit payout to the designated beneficiaries upon that event. Beneficiaries can use these funds for any purpose, such as covering funeral expenses, paying off debts like mortgages, replacing lost income, or funding future expenses, including education.

Most people start with coverage equal to 5–10x their annual income. Think about your mortgage, debts, children’s education, and income replacement when estimating your needs.

Term life provides affordable coverage for a specific number of years. Permanent life insurance (like whole or universal) lasts your entire life and can build cash value.

Yes! Add riders like accelerated death benefits, child/spouse coverage, waiver of premium, or long-term care protection to tailor your policy.

Some policies require a simple medical exam, while others offer no-exam life insurance with fast approvals. Your health and age affect what you qualify for.

You can often get approved in just a few days. No-exam policies may be even faster. Traditional underwriting may take a few weeks, especially if a medical exam is needed.

Yes. Many policies allow you to adjust your coverage, beneficiaries, or add riders. Universal life offers the most flexibility for adjusting premiums or coverage.

Upon your death, your beneficiary submits a claim. The death benefit is paid out, usually as a lump sum. It can be used for any purpose such as debts, funeral expenses, or long-term support.

In most cases, life insurance payouts to beneficiaries are not taxed as income. However, if the benefit becomes part of the insured’s estate, it could be subject to estate taxes depending on the size of the estate. A financial advisor can help you plan accordingly.

Get Your Life Insurance Quote Today

Request My Free Quote

Give us a call 866-832-7714 866-832-7714

Learn More About Life Insurance

Life Insurance Guide • Life Insurance Basics • Types of Life Insurance • Who Needs Life Insurance? • How to Buy Life Insurance • Life Insurance Riders • Life Insurance Calculator

What Is Life Insurance? How Does It Work?

A Step-by-Step Guide on How to Pick a Life Insurance Policy Right for You

What Does Life Insurance Cover?

Term vs. Whole Life Insurance: Which Is Right for You?

Term Life Insurance vs Universal Life Insurance: Which Fits Your Financial Goals?

Understanding Different Types of Life Insurance

Who Needs Life Insurance?

Why Life Insurance Is Important: 9 Meaningful Benefits

Life Insurance With Living Benefits

IMPORTANT DISCLOSURES

¹ 2024 Insurance Barometer Study, LIMRA and Life Happens
² They Don’t Understand Life Insurance and Overestimate Its Cost

Loans will accrue interest. Loans and withdrawals may generate an income tax liability, reduce the Account Value and the Death Benefit, and may cause the policy to lapse. The policy may be issued as a Modified Endowment Contract (MEC) for tax purposes. Any withdrawals or surrenders could result in a taxable event. Keep in mind that cash values may take years to accumulate, unless a large premium is paid up front.

Payment of benefits under the life insurance policy 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.