Parents giving children piggyback rides by the lake

Helping Make Your Life Simpler With Simple Choice Whole Life Insurance

Whole life insurance provides life insurance protection for your loved ones, guaranteed for your entire life, while building cash value that grows tax-deferred. Enjoy peace of mind, knowing your family receives the benefits of permanent coverage, as long as scheduled payments are made. You’ve worked hard to provide a good life for them, and that should never have to change.

Family eating outdoor meal together

Benefits of Simple Choice Whole Life Insurance

Our product offerings can provide you and your family with these additional benefits:

  • Permanent life insurance protection for your loved ones with a tax-free death benefit for your beneficiary
  • Cash value that grows tax-deferred, available to use during your lifetime
  • Potential dividends or "return of premium" payouts
  • Fixed premium payments guaranteed not to increase 
  • Riders that can be added to the policy for additional coverage
Give us a call

Could This Be the Right Solution for You?

Simple Choice Whole Life insurance may be a good alternative for people in a variety of life stages and situations. Here are a few examples:

  • You receive term insurance through work and wish to supplement it with your own permanent coverage.
  • You want to make sure your loved ones can stay in your family's home and continue to pay the mortgage should you pass away unexpectedly.
  • You plan to help your child with college tuition and want a life insurance policy offering cash value growth that you can use toward this expense.
  • You own a small business partnership and want to be sure your partner has a way to purchase your half of the business should you die unexpectedly.
family happy to see each other

Product Details

Simple Choice Whole Life offers you a choice of three products:

  • Simple Choice 20: Premiums payable for 20 years
  • Simple Choice 65: Premiums payable to age 65
  • Simple Choice 100: Premiums payable to age 100

While not guaranteed, our whole life insurance policy may earn you dividends, which are a return of some of your premium. You can choose how to receive your dividends; you can get paid in cash or use them to offset premium payments or purchase additional coverage.

Riders, or optional add-on coverage for your policy, are available to you at an extra cost. An Accelerated Death Benefit Rider provides you with the flexibility of being able to access, under certain conditions, a portion of a policy's death benefit before the insured dies. You may use the funds for any purpose, and in many instances, benefits are tax-free. Other available riders include Accidental Death Benefit, Children's Term Insurance and Waiver of Premium.

Explore Additional Resources

Consider Simple Choice Whole

Learn about our whole life insurance policy, and determine if it's the best choice for your needs.


Learn More About Life Insurance

We can help insure the ones you love. Life insurance can help keep your financial life on track.


Draft Your Financial Game Plan

Remember three strong points about our company when you are drafting your financial game plan. 


Life Insurance Facts

84% 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 spouse’s retirement plan. (LIFE Happens, 2017)

If the primary wage earner died, 62% of families would immediately have trouble meeting everyday living expenses. 43% 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 Life2016)

Over 100 million adults without life insurance in the United States (“2015 Insurance Barometer Study”, Ashley Durham, LIMRA and Life Happens, April 14, 2015)

7 in 10 U.S. households own life insurance on average the only own enough to replace their household income for 3 years (2016 Insurance barometer 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)

43% 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: 66% say it’s just too expensive for them. 66% say other financial priorities take higher precedence. 54% 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.

IGV-SN01 1711

Draft Your Financial Game Plan

Draft Your Financial Game Plan With Us
Please see important information following this video. 

Hi, I am Cris Collinsworth and I am here to remind you of three strong points to keep in mind when you are drafting your financial game plan. 

First, financial strength is a key player.  The strength of Western and Sothern Financial Group speaks for itself.  Western and Southern has a heritage dating back to 1888, an impressive capital position, and stability demonstrated throughout challenging economic times.  

Second, is industry ratings.  The insurance companies that I am talking about are proud of their industry ratings, such as an A+ from A.M. Best and a remarkable 96 out of 100 Comdex ranking. 

Third, and just as important, is consistency.  Consistency that comes from steady deep-seeded conviction in our products and services. 

You just can’t beat this combination.

Western & Southern Financial Group

Products issued by member companies of Western & Southern Financial Group, Inc., Cincinnati, Ohio.

A.M. Best rating of A+ Superior for Superior ability to meet ongoing insurance obligations (second highest of 16 ratings; rating held since June 2009).

Comdex ranking of 96 out of 100.  The Comdex Ranking is a composite of the financial strength ratings as determined by Standard & Poor’s, Moody’s, A.M. Best, and Fitch ratings.  It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in an effort to reduce confusion over ratings because each rating agency uses a different scale.

Ratings are subject to change from time to time.  The ratings shown here are correct as of 01/31/2017.

Major rating agencies issue public ratings on the member insurance companies affiliated with Western & Southern.  Financial strength ratings apply to the individual member insurance companies affiliated with Western & Southern.

Life insurance and annuity products are not bank products, are not a deposit, are not insured by the FDIC or any other federal entity, have no bank guarantee and may lose value.

Give us a call
The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, CT, ME, MA, NH, NY and VT. Whole Life Insurance Policy Series ICC16 1606-110 Accelerated Death Benefit Rider 1208-620, 1208-621 Accidental Death Benefit Rider 9401-540 Children's Term Life Insurance Rider 1103-675 Waiver of Premium Rider 9004-586 9401-581-U issued by The Western and Southern Life Insurance Company. 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 Western and Southern Life Insurance Company. Guarantees are based on the claims-paying ability of The Western and Southern Life Insurance Company. Products are backed by the full financial strength of The Western and Southern Life Insurance Company.

The Western and Southern Life Insurance Company does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation. The information provided is for educational purposes only.

Assumes policy is not a modified endowment contract, withdrawals do not exceed basis, and policy does not lapse.

Policy Benefits in some cases are mutually exclusive. Loans, withdrawals, and advances will reduce the Death Benefit and Cash Surrender Value and may cause the policy to lapse. The lapse or surrender of a policy with an outstanding loan may result in taxable income.

Payment of Accelerated Death Benefits, if not repaid, will reduce the Death Benefit and affect the available loan amount and other policy values.

Ready to Continue?

You have clicked a link to access information on a new website, so you will be leaving

Because this new site is independent, Western & Southern Financial Group neither manages nor assumes responsibility for its content. 

Are you ready to move forward?