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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. 
File a Claim >

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.
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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 westernsouthern.com/distributors to register your account.
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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. 
Request a Policy Change >

What if there is no surviving beneficiary on my policy?

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.

I have a question about my Life Account policy

If you have questions or client services requests, such as ordering checks or requesting additional forms (such as a beneficiary change form) please contact us. For account numbers starting with 4 please contact a W&S Deposit Operations Specialist at 1-800-343-2551. For account numbers starting 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 in excess of 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.

1 Cash value may take years to accumulate. Loans will accrue interest. Loans and withdrawals may generate an income tax liability, reduce the Account Value and the Death Benefit, and may cause the policy to lapse.