Financial Ratings - About Us

Financial analysts and experts consistently recognize The Western and Southern Life Insurance Company, a subsidiary of Western & Southern Financial Group®, for its financial stability and operating performance.

The Western and Southern Life Insurance Company and its subsidiary, Western-Southern Life Assurance Company, hold the following outstanding ratings:

Standard & Poor's: AA+ Very Strong
Second highest of 21 ratings; rating held since August 2005 for very strong financial security characteristics.

A Standard & Poor's insurer financial strength rating is a current opinion of the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms.

A.M. Best Company: A+ Superior
Second highest of 16 ratings; rating held since June 2009 for superior ability to meet ongoing insurance obligations.

A Best's Financial Strength Rating is an opinion of an insurer's ability to meet its obligations to policyholders.

Fitch: AA Very Strong
Third highest of 21 ratings; rating held since June 2009 for very strong capacity to meet policyholder and contract obligations on a timely basis.

Comdex: 96 out of 100
(composite held since July 2009)

The Comdex is not a rating itself but a composite of all the ratings that a company has received. The Comdex ranks a company, on a scale of 1 to 100, in relation to other companies that have been rated by the services. The Comdex is an effort to reduce the confusion over ratings, which is caused by each rating service using a different scale.

A company needs to be rated by at least two rating services to receive a Comdex. The Comdex is based on the ratings issued by the following rating services: A.M. Best, Fitch, Moody's Investors Service, and Standard & Poor's.

Ratings are subject to change from time to time. The ratings shown herein are correct as of 7/13/2009.

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Updated 7/13/2009