western southern life associates discussing business opportunites
We'll Help Make It Simple. That's Our Promise to You. 

Whatever your insurance and retirement planning needs, Western & Southern Life has the skills and experience to deliver practical solutions wherever life's path leads you. 

Providing You With Superior Customer Experience

At Western & Southern Life, we adhere to a basic principle: exceptional service to our policyholders. High-quality, personalized service has always been, and continues to be, our company's primary objective. Through our affiliate companies and a growing staff of financial representatives, we can help you with life insurance, retirement solutions and evaluation of your financial needs and goals.

With 132 offices operating in 23 states and Washington D.C., as well as a Cincinnati-based contact center, you have access to financial representatives who will review your needs and work with you to find financial solutions that fit your budget. This personal touch has made us what we are today — a financial institution recognized throughout the industry for its outstanding strength and stability.

Western & Southern Life is a member of Western & Southern Financial Group — a Fortune 500 company headquartered in Cincinnati, Ohio — along with our strategic partners, Western-Southern Life Assurance Company and W&S Brokerage Services, Inc.

Serving With Heart

Christina Cardenas (left) and Michelle Honnert (right), both associates in our claims department, received a claim in early September from the co-beneficiary of a Western & Southern Life policy. The insured had passed away and the co-beneficiary’s home and all his belongings had been destroyed by Hurricane Harvey. The team was able to quickly send the death benefit of the life insurance policy to the co-beneficiary’s temporary residence in another state. He responded with appreciation for the quick action he received. 

Just a note to thank you for all you have done to get the death benefit check out to me in such a timely fashion. Rarely do you see that kind of commitment to customer service in big corporations. Both of you are truly champions in my book. Thank you from the bottom of my heart.

- Western & Southern Life Policy Co-Beneficiary, Aurora, Illinois* 
western southern life testimonial policy

Financial Ratings

Ratings agencies consistently recognize us for our financial stability and operating performance.

The Western and Southern Life Insurance Company and its subsidiary, Western-Southern Life Assurance Company, hold the following outstanding ratings:

Western Southern Life Ratings

Leadership Means Doing the Right Things 

Management educator and author Peter Drucker once said, “Management is doing things right; leadership is doing the right things.” At Western & Southern Life, we try our best to follow this smart business philosophy. Our executive leaders are continually looking ahead to leverage new technology, grow creative teams of associates and develop innovative new products to provide you with a variety of financial solutions to meet your particular lifestyle and budget. Take a few moments to discover how our leadership team is dedicated to doing the right things for you.


Strength & Stability Since 1888

When it comes to financial services, you want a strong company you can count on in the long run. Since our founding in 1888, we have shown resolve and resiliency throughout challenging economic cycles. Our mutual holding company structure allows us to invest for the long-term without short-term market pressure that often compels higher risks. 

Western & Southern Life's financial strength and stability are the cornerstone of our success. Our strength comes in many forms and from some places you might not expect. Take a look and see where our strength comes from. 

financial strength

Strength Comes In Many Forms - Western & Southern Life

Strength. It comes in many forms. And from some places you might not expect. Let’s look at a few.

Strength can come in numbers. 95 is a good example. That outstanding number is our Comdex score — an independent ranking of companies from 1 up to 100 — based on the combined quality of their ratings for financial strength and stability.

Strength can come in letters too. For us it’s the letter “A.” A as in all the A’s we earn from top industry rating agencies such as A.M. Best, Standard & Poor’s, Fitch and Moody’s.

Strength can also be found over time. For example, our corporate heritage dates to 1888. That’s decades upon decades of experience. 

Strength can come from capital. In fact, Western & Southern’s capital-to-asset ratio is more than double the average the 15 largest publicly traded U.S. life insurers.

But ultimately, our strength comes from you – our customers. Generations of individuals place their faith — and trust — and confidence in our company. To help them create an income, leave a legacy, or protect a family.

Together, we are all stronger. Thank you for being a part of our strength.

Awards & Recognition

Military friendly employer

Military Friendly® & Spouse Employer

Committed to supporting our military community, Western & Southern Life has been designated as a 2019 Top 100 Military Friendly® Employer and has earned the 2019 Military Friendly® Spouse Employer designation by Victory Media, publisher of G.I. Jobs®.

stevie gold customer service winner 2018

Gold Stevie® Award Sales Meeting of the Year

Western & Southern Life’s 2017 Leaders Sales Meeting was recognized for overall excellence in content creation, delivery and execution. The Stevie Awards for Sales & Customer Service are the world’s top honors for customer service, contact center, business development and sales professionals.
loyalty360 western southern life award

Loyalty360 Recognizes Customer First Program 

Empowering our associates to improve your customer experience, Western & Southern Life won the platinum award for employee engagement presented at the 2016 Loyalty360 CX Awards.


Keep up to date on the latest happenings inside our company. For news and recent press coverage, visit our newsroom.

*The opinion presented is applicable to the individual depicted and may vary for others. It does not necessarily reflect the views of Western & Southern Financial Group.

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