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The Legacy You Leave Is Insured by Us

Our Whole Life Insurance Protects Your Family’s Lifestyle For Your Lifetime

Whole life insurance could give you protection for your entire lifetime, and premiums stay the same regardless of your age, health or lifestyle changes. It also builds cash value and may pay policy dividends. The whole life policy that's right for you depends on your family's needs and how you prefer to pay your premiums.

Choose Whole Life Insurance That's Right For You

Western & Southern’s whole life insurance policies can be tailored to fit your specific needs. You have the option to include supplemental add-ons, or riders, that provide you with additional protection.

Benefits Simple Choice Whole Superior Value® Legacy Master®
Single Payment Premium Only one total payment made at the beginning of your coverage 
Fixed Premiums Same amount owed every time your payment is due
Accelerated Death Benefit Rider Can access your life insurance benefit as a living benefit
May Earn Dividends Potential income from company profits at recurring times throughout the year
Guaranteed Insurability Rider Increase your existing coverage and not be excluded for a preexisting condition
  Explore Simple Choice Whole Life Explore Superior Value Whole Life Explore Legacy Master Whole Life
Additional whole life insurance products offered by Lafayette Life Insurance Company, a member company of Western & Southern Financial Group: Heritage 15, Contender 15, Patriot 15, Sentinel 15, 10 Pay Whole LifeLiberty 15 & Protector 15
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How Much Whole Life Insurance Do You Need?

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

Learn More About Whole Life Insurance

Start with these educational articles to help empower you to make more informed decisions about your financial future.
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Why Consider Whole Life Insurance From Western & Southern?  

When you’re looking for whole life protection, Western & Southern has a heritage of providing whole life insurance to people just like you for more than 130 years. Our solid financial ratings make us one of the strongest life insurance groups in the world, offering you the financial stability you can count on. We have knowledgeable financial representatives available to help you with your whole life insurance needs.


Single Premium Whole Life Policy series 0701-3030 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, NH, NY and RI.

Whole Life Insurance Policy series ICC16 1606-110 ICC16 1606-322 issued by The Western and Southern Life Insurance Company, Cincinnati, Ohio,  which operates in DC and all states except AK, CT, ME, MA, NH, and NY.

Whole Life Insurance Policy series ICC14 LL-01 1404, ICC14 LL-03 1408 & Single Premium Whole Life Insurance Policy ICC14 LL-02 1408, ICC14 LL-04 1408 issued by Lafayette Life Insurance Company which operates in DC and all states except NY.

These policies and benefits may not be available in all states, and benefits may vary by state.

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.

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.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.