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Only You Can Envision Your Future, but We Can Help Protect It

Our Life Insurance Solutions Offer You Security, Affordability & Flexibility

You know you should protect your family for a worst-case scenario, but life insurance can be overwhelming. The good news is that taking steps now may help you and your loved ones reach greater financial security and enjoy peace of mind. Whether you need temporary protection for a shorter term or a more permanent solution, we offer many different types of coverage that can align with your needs.

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What Type of Life Insurance Is Best for You?

Insurance and financial products aren't always one-size-fits-all solutions. Western & Southern offers you a variety of options to help protect each different stage of your life.

Benefits Whole Life Universal Life Term Life
Guaranteed Lifetime Coverage Coverage that lasts throughout your entire life
Instant Online Quotes Preliminary instant quotes available to access your potential premium payouts and coverage if you qualify
May Build Cash Value Cash that grows tax-deferred and may be used during your lifetime
Fixed Premiums Same amount owed every time a payment is due
Flexible Premiums Adjustable premium and death benefit amounts when your needs change
Convertible Term Ability to convert your policy to permanent insurance with no additional underwriting
May Earn Dividends Potential income from company profits at recurring times throughout the year
  Whole Life Universal Life Term Life
Life Insurance Can Help Keep Your Financial Life on Track

Take 80 seconds to learn some important life insurance facts. They can help you make informed decisions about your family’s financial future. Play this video and consider how we can help protect the ones you love.

Life Insurance Facts

Eighty-four percent 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 a spouse’s retirement plan. (LIFE Happens, 2017)

If the primary wage earner died, 62% of families would immediately have trouble meeting everyday living expenses. Forty-three percent 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 Life, 2016)

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

Seven in 10 U.S. households own life insurance. On average, they only own enough to replace their household income for three years. (2016 Insurance Barometer Study, 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)

Forty-three percent 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:
• Sixty-six percent say it’s just too expensive for them.
• Sixty-six percent say other financial priorities take higher precedence.
• Fifty-four percent 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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How Much Life Insurance Do You Need?

Life insurance can be an important element of your overall financial strategy. Answer a few quick questions about your life situation to estimate how much coverage you might need.

Calculate My Life Insurance Needs

How Much 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.
How many years is your family relying on your annual income?
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Final Expenses
Coverage Amount $0
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Types of Life Insurance Policies

Whole Life Insurance

Permanent life insurance providing you with personalized, lifelong coverage


Universal Life Insurance

Flexible, permanent insurance that can adjust as your needs change


Term Life Insurance

Flexible, affordable protection for your short-term insurance needs


Learn More About Life Insurance

Start with these educational articles to help empower you to make more informed decisions about your financial future.
Multigenerational family enjoys a picnic in the park: life insurance 101

Life Insurance 101: Your Quick & Easy Guide

Life insurance comes in many forms, so explore the available options — and discover which could be right for your needs. 
Grandparents play with young grandchild outdoors: types of life insurance

What Are the Different Types of Life Insurance?

Don't get lost in the weeds when considering which type of life insurance would best meet your needs. Compare your options. 
Young woman conducting research on a laptop computer to determine her life insurance needs

How Much Life Insurance Do You Need?

Life insurance can help provide peace of mind for tomorrow, but determining how much coverage is enough for your individual needs can be tough. 

Explore Life Insurance in More Depth

Do I Need Life Insurance?

Life insurance could be a smart choice — no matter where you are in life. If you're asking yourself this important question, here are some scenarios that could help you understand if life insurance is a good choice for you.

5 Simple Steps to Choose the Best Life Insurance for You

Purchasing life insurance isn't complicated. We've broken down the research process into five steps to help you get started.

How to Buy Life Insurance in 5 Steps

Once you know which policy is right for you, you could enter the next phase of the process: buying life insurance. Explore the basics here.

What Are the Different Types of Life Insurance?

Consider making life insurance your "something new." If you're a newlywed, here's why life insurance could be something to think about. 

Life Insurance for Children or Grandchildren? Consider the Benefits

Life insurance could provide many rewards — and life insurance for children or grandchildren is no exception. Explore the benefits here. 

Could Life Insurance for Babies Make the Perfect Gift?

Rattles and onesies are nice, but life insurance could also make an excellent gift for newborns. Learn about the benefits and available policy types. 

Should You Get Life Insurance After Retirement?

After decades of hard work, you've finally walked out of your job and into retirement. Now, is life insurance on your radar? 

Should You Get Life Insurance After a Career Change?

Whether you are thinking about a career change — or have just put in your two weeks' notice — here's why life insurance may be something to consider

Is Employer-Provided Life Insurance Coverage Enough?

You might be protected by an employer-sponsored life insurance policy, but there might be problems with relying solely on life insurance through work. 

Can You Have Multiple Life Insurance Policies?

Life insurance could help you protect your loved ones from financial uncertainty, but are you certain that one policy is enough for your needs? 

Think You Don't Need to Buy Life Insurance?

Life insurance may not be on your current radar, but you could actually benefit from a policy. Learn why life insurance can be a good idea. 

How Could Living Benefits Help Protect Your Future?

You may know life insurance offers a death benefit, but did you realize many policies also offer living benefits? Learn more here. 

The Life Insurance Medical Exam: What Can I Expect?

If you're wary of the life insurance medical exam, here's some helpful information on the process — and how to prepare — to help put you at ease. 

Health Conditions That May Affect Your Life Insurance Coverage

Some insurance companies require a physical before granting a policy. Here are some possible outcomes and options for next steps. 

How to Choose a Life Insurance Beneficiary

Choosing a life insurance beneficiary could be one of the most important decisions you make. Discover how you could make this choice. 

Why Life Insurance From Western & Southern?

Western & Southern has a heritage of providing life insurance solutions to people just like you for the past 130 years. Our financial ratings from the major rating agencies are solid indicators of our financial strength, offering you stability you can count on. As one of the strongest life insurance groups in the world, we know how to help protect your future.
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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.

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