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Superior Value Life: Level Premium Whole Life Insurance

You've worked hard to provide a good life for your loved ones. Our Superior Value Life Whole Life Insurance may let you enjoy peace of mind knowing your family has the protection provided by whole life insurance.

This policy provides guaranteed, permanent protection for your loved ones with premium payments that will stay the same as long as coverage remains in force. This coverage builds cash value that is available to you while you are living should you need it for an emergency expense, toward your child's college, as a down payment on a home or something else.

When you pass away, this coverage will provide an immediate, income tax-free death benefit to your beneficiary.

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Benefits of Superior Value Life Whole Life Insurance

A Superior Value Life Whole Life Insurance policy comes with many perks:

  • Cash value that grows tax-deferred and can be accessed during your lifetime

  • Guaranteed, fixed premiums, so you don't have to worry about your policy payments increasing

  • Choose between two options: pay premiums for 20 years or spread premiums out until you turn 100
  • Customize your coverage with a variety of optional riders, or additional benefits, available at an additional cost
  • Accelerated death benefit rider is automatically included with your policy, and provides a limited, accelerated death benefit during your lifetime for terminal or chronic illness
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Could This Be the Right Solution for You?

Superior Value Life may be a financial solution for a variety of needs. For example:

  • You are the primary wage-earner in your household, and you want to be sure your spouse can continue to pay the mortgage and keep your family home, should you pass away unexpectedly.
  • Upon your passing, you want your loved ones to have access to an immediate death benefit free of income taxes and outside probate.
  • You want the peace of mind offered by life insurance combined with access to cash value, should you need it in the event of an emergency.
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Product Details

Superior Value Life includes two products to choose from:

  • Superior Value Life 20: premiums payable for 20 years
  • Superior Value Life 100: premiums payable to age 100

You can customize your insurance policy by selecting from a variety of supplemental riders, or coverage add-ons, when you sign up. Living benefits let you access, under certain conditions, some of your policy's death benefit while you are still living. These funds can help improve your quality of life if you become terminally ill or chronically ill as defined by your policy.

Other supplemental riders available at an additional cost include Accidental Death Benefit, Children's Term Life, and Waiver of Premium riders.

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Consider Superior Value

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


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


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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.

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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.

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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 1606-322, Accelerated Death Benefit Rider 1208-620, Accidental Death Benefit Rider 9401-540, Children's Term Life Insurance Rider 1103-675, Waiver of Premium Rider 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.

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