Tina Raczkowski

Retirement Freedom

Are you looking forward to a little freedom in your retirement years?

The freedom to experience more hugs … enjoy more smiles … and appreciate what’s down the road.

Wouldn’t it be nice to be free of some of the financial worries in retirement as well?

Like freedom from worrying about how your retirement money might react to interest rates… market risks… and rising costs.

And freedom from worrying that your retirement funds might run out.

Well, the good news is, that you can plan for all of that with the retirement income annuity.

A simple solution that provides a steady stream of payouts when you retire.

One you can count on to last a lifetime -- and never run out, no matter what happens with rates or markets or inflation.

So, ask about a retirement income annuity today.

Because it’s not just retirement income.

It’s retirement freedom.

A Company Built for Times Like These

Look out across the horizon.

What do you see?

A changed world.

One with new challenges.

Well, challenging times call for a company that stands the test of time.

As a member of one of the strongest life insurance groups in the world, we're built for times like these.

Economic upheavals, world wars, health epidemics, our parent company has seen, met and overcome them all over more than 130 years.

For generations, we've demonstrated resolve and resilience in fulfilling our commitments to people just like you.

In good times and even more importantly in uncertain ones.

Capital, it's a strong part of our financial foundation.

It helps ensure our stability as a company and secure our ability to pay your benefits.

Comparatively, Western & Southern Financial Group's capital-to-asset ratio is significantly higher than the average of the 15 largest publicly traded life insurers in the nation.

That represents resources to answer industry challenges and support product promises.

Ratings and reputation, they go hand in hand.

So we take particular pride in both.

We stand among the highest in industry Comdex rankings and are highly rated by independent ratings agencies.

Once registered as NRSRO's or nationally recognized statistical rating organizations with the SEC.

That's documented strength that you can count on.

Built for times like these.

It may just be words to some, but it's a way of doing business for us.

So our strengths can be your strength, now and in the future.

Leaving a Legacy featuring Cris Collinsworth

Hi, Chris Collinsworth here.

You know when football players strive to make an impact on the game and leave a legacy.

Well, it's like that in life too.

You work hard and save diligently for years.

So, you want to make sure your assets will carry your legacy forward to loved ones or a favorite charity.

Did you know there's a life insurance strategy that can help?

Not only can it help ensure your assets will pass your legacy forward, but it can help increase them as well.

Just one single premium payment can instantly increase the assets you pass on, and you can pass on those assets federal income tax free, and do it all without the problems of probate.

Learn more from your financial representative. They can coach you on the benefits of a strategy like this, and help you leave an important legacy.

What's an Annuity? A Retirement Financial Tool

What's an annuity?

Quite simply, an annuity is a financial tool.

And like most tools it helps you build something.

In this case, retirement income.

In a way, annuities are like power tools.

You have to charge them up first and you power up an annuity by paying premiums.

Later, the insurance company pays you back, with interest, tax advantaged in a single sum or regular intervals, guaranteed.

Best of all, no matter how much you pay in the annuity can pay out for as long as you live.

So you may never run out of income in retirement.

No matter what happens in the market or economy.

No other financial tool can do that.

Plus in some instances, you can even set them up to pay a beneficiary.

Does an annuity have costs?

Sure but so do other financial tools and they can vary.

The good news is those costs help build the value other tools can't match such as the guarantees and the lifetime payouts.

Of course an annuity may be used a long time, so it's key to consider one from a company that measures up with a long history of high industry ratings, such as Standard & Poor's, Moody's, A.M. Best, and Fitch. And a strong Comdex score, which is a composite of a company's ratings.

Note that the agencies that rate us are registered as nationally recognized statistical rating organizations with the SEC. And we go to great lengths to maintain these standards.

Look, an annuity may not be the only thing in your financial toolbox to help you save for the future, but it's a handy way to help build your savings now and protect you against the risk of outliving them later, which can put a real wrench in your retirement.

Of course this is just a high level look at annuities.

A visit with your financial adviser can help nail down the details tell them you saw it here first.

eSnapshot

In only a few minutes you can organize and communicate the steps you'd like to take towards a more secure financial future.

The eSnapshot is a convenient tool that opens a conversation with a Western & Southern Life financial professional to help create a personalized plan for your financial future.

There's no pressure and it just takes a few minutes to complete. Your response is secure and it goes straight to your financial rep. 

The best part? You can complete the eSnapshot when it's convenient for you.

So, when's the last time you took a few minutes to think about your financial future?

Let's get the conversation started. Visit your Western & Southern Life rep's website today for a direct link to the eSnapshot, because that makes dollars and sense.

Ratings Matter featuring Cris Collinsworth

Company ratings.

Do they matter?

You bet they do.

Hi, Cris Collinsworth here and if you're checking out this video you're probably thinking about retirement, and maybe thinking about insurance company ratings.

Fact is, most people check the ratings on everything these days from cars to coffee makers.

I suggest you review the financial strength ratings for Western & Southern.

They have some of the highest indepedent industry ratings around.

Those are ratings I count on and you can too.

Ratings matter.

Learn more at WesternSouthern.com.