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Financial Ratings

Ratings agencies consistently recognize The Western and Southern Life Insurance Company, a subsidiary of Western & Southern Financial Group, Inc., 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

Third highest of 21 ratings; rating held since July 2013 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.M. 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 2013)

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 6/6/2017.

This may contain information obtained from third parties, including ratings from credit ratings agencies such as Standard & Poor's. Reproduction and distribution of third-party content in any form is prohibited except with the prior written permission of the related third party. Third-party content providers do not guarantee the accuracy, completeness, timeliness or availability of any information, including ratings, and are not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, or for the results obtained from the use of such content. THIRD-PARTY CONTENT PROVIDERS GIVE NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. THIRD-PARTY CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, EXPENSES, LEGAL FEES, OR LOSSES (INCLUDING LOST INCOME OR PROFITS AND OPPORTUNITY COSTS OR LOSSES CAUSED BY NEGLIGENCE) IN CONNECTION WITH ANY USE OF THEIR CONTENT, INCLUDING RATINGS. Credit ratings are statements of opinions and are not statements of fact or recommendations to purchase, hold or sell securities. They do not address the suitability of securities or the suitability of securities for investment purposes, and should not be relied on as investment advice.

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Last Updated: 10/17/2017