Our Simple Choice Term Life Insurance Provides You With Flexible, Dependable Coverage

80% of consumers who believe they need life insurance haven’t bought it because they think it is too expensive. (Life Happens, April 2015)

80 percent of consumers misjudge the price for term life insurance, with Millennials overestimating the cost by 213%, and Gen Xers overestimating the cost by 119%. (Life Happens 2015)

In 2016, there was a significant decline in life insurance coverage adequacy for U.S. households.  In 2010, those insured had coverage to replace their income for 3.5 years.  Today that has dropped to 3 years, which is far lower than most industry recommendations. (Limra Facts 2016)

The average insured adult has 3.6 times his or her annual income for life insurance coverage, or $166,600. Salary: $46,333, Life Insurance: $166,800. (How much life insurance do you need? By Barbara Marquand Posted : September 12, 2017. Insurance.com 2017)

But is it enough to provide for all of your family needs?

As a general rule of thumb, it is recommended that you have 8-10 times your salary in life insurance. However, this may be too much, or not enough. Everyone’s personal needs are different. We can help you determine how much is right for you. Talk to us today.

Western & Southern Financial Group

©2017 Western & Southern Financial Group, Inc. All rights reserved.

Annual Renewable Convertible Term Policy Series 0701-306 WSA issued by Western-Southern Life Assurance Company. Renewable and Convertible Term Policy Series 0701-307 WSA and 0701-307-U WSA issued by Western-Southern Life Assurance Company.

Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. 

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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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