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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 Life, Liberty 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

How Much Whole 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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How many years is your family relying on your annual income?
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Debt
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Final Expenses
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Children
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Coverage Amount $0
Request Your Quote Coverage Amount
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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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How Does Whole Life Insurance Work?

Whole life insurance could help give you peace of mind today for the uncertainties of tomorrow. Learn more about whole life insurance here.
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What Are the Benefits of Whole Life Insurance?

Is a whole life insurance policy right for you? Sometimes it helps to start with the benefits, which could help you decide.
grandfather and grandson fishing difference between term and whole life insurance

What Is the Difference Between Term & Whole Life Insurance?

Explore the difference between term and whole life — and understand when each policy type might make sense.

Explore Whole Life Insurance in More Depth

Why I Bought Whole Life Insurance in My Early 20s

One writer shares his story about what inspired him to buy a whole life insurance policy in his early 20s.

What Is Permanent Life Insurance & Is It Right for You?

Permanent life insurance is just that — permanent. But there's so much more to this type of life insurance. Explore the ins and outs here.

What Is Dividend Paying Whole Life Insurance?

Dividend-paying whole life insurance offers you the opportunity to indirectly participate in an insurance company's financial performance.

What Are Options for Cash Value Life Insurance Before Retirement?

In addition to a death benefit, permanent life insurance policies offer cash value. However, do you know about some of many benefits of cash value?

What Are Options for Cash Value Life Insurance In Retirement?

Permanent life insurance provides a death benefit and may help give you peace of mind. But do you know about the benefits of cash value for retirees?

What's the Difference Between Whole Life Insurance & Universal Life Insurance?

Considering a permanent life insurance policy? You can start by understanding the differences between whole and universal life. 

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 the past 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.

A knowledgeable financial representative is available to guide you with your whole life insurance considerations. Contact us today via email or call 866-832-7714.
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IMPORTANT DISCLOSURES

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.


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