How do I file a claim?
Anyone can initiate a claim when someone has passed away, whether it is a loved one, a beneficiary of the policy, a family friend or a funeral home. Call 800-926-1315 to connect with a Claims Customer Service Representative or start the process of filing a claim online. It is not necessary to know the policy number before calling. We are able to locate active policies using a name and date of birth or Social Security number. After the claim has been filed, our Claims Department will correspond with all listed beneficiaries. All required documentation must be mailed. We are unable to process a claim with faxed or emailed material. Please mail your documentation to:
The Western and Southern Life Insurance Company
Claims Department
P.O. Box 1399
Cincinnati, OH 45273-9425
How do I make a payment?
We offer several convenient options for making a payment. Recurring, paperless payments may be made via bank account or credit/debit card. One-time payments may also be made 24 hours a day online or by calling 877-367-9734. Many whole life policies build cash value which could be used toward a premium payment. Give us a call to see if your policy qualifies.
How do I login to my account?
To login to your account, visit our log in page for your options. Accounts may be registered by the policy owner. Once one policy is registered, the account will display all policies owned by that individual. If you purchased a Western & Southern annuity contract through a bank or independent dealer, and if your contract number starts with W002, please visit WSFinancialPartners.com to register your account.
My policy has dividend and/or loan value. What does that mean?
Many whole life policies build cash value that can be accessed while the policy is active. Dividend value may be withdrawn with no need to be repaid. Your policy may also offer a loan to be taken against your cash value. Loans earn interest annually at the rate listed in your policy contract.
Who are my beneficiaries and how can I change them? What if there is no surviving beneficiary on my policy?
Beneficiary information may be viewed on your registered account. Choose the Specific Policy Information menu item, then Policy Detail. You will also be able to download the form to change beneficiaries from this option. This form must list the policy number at the top and be signed by the policy owner at the bottom. Please allow 3-5 business days for processing. Once complete, a confirmation form will be mailed to the policy owner. The form may be submitted using any of the following methods:
Client Relationship Center
Western & Southern Financial Group
400 Broadway
Cincinnati, OH 45202-3341
Fax: 513-362-2536 attn. Client Relationship Center
Email: wspsforms@wslife.com
If there is no surviving beneficiary when an insured person passes away, we will be able to work with the court-appointed executor or administrator of the insured’s estate. If there will not be a formal estate, please contact the probate court in the insured’s county of residence to obtain Letters of Administration. We are not able to accept a copy of the Last Will & Testament.
