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Frequently Asked Questions
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. 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.
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.1 Give us a call to see if your policy qualifies.
How do I set up payment withdrawals from my checking or savings account?
To set up automatic payment withdrawals, please download and fill out the Authorization to Withdraw Funds form below. This will allow recurring payments to be made directly from your checking or savings account.
How do I login to my account?
To log in to your account, visit our login page for your options. The policy owner may register accounts. 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 westernsouthern.com/distributors to register your account.
Who are my beneficiaries & how can I change them?
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.
What if there is no surviving beneficiary on my policy?
If there is no surviving beneficiary when an insured person passes away, we can 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 unable to accept a copy of the Last Will and Testament.
I have a question about my Life Account policy.
Please contact us if you have questions or client service requests, such as ordering checks or requesting additional forms (such as a beneficiary change form).
For account numbers starting with 4, please contact a W&S Deposit Operations Specialist at 1-800-343-2551. For account numbers beginning with 98 or for accounts issued January 28, 2016, and later, please contact Northern Trust at 1-877-752-6350 or 1-800-343-2551.
I have a question about my 1099 form.
Life insurance is generally taxable when a distribution is made over premiums paid. If you have specific questions about a 1099 form you received, please visit our 1099 frequently asked questions page or reach out to a tax professional or financial representative to discuss specific taxable events or treatment.