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Why Western & Southern?

Whatever your insurance needs, The Western and Southern Life Insurance Company (Western & Southern Life) and its affiliates have the skills and experience to deliver … Any way, Anywhere, Anytime – that’s our promise to you. Rely on to provide:

Stability and Strength

Since its founding in 1888, The Western and Southern Life Insurance Company has adhered to a basic principle: service to policyholders. High-quality personalized service has always been, and will continue to be, the company’s primary objective. This personal touch has made the company what it is today – an insurance institution recognized throughout the industry for its outstanding stability and strength.

Western & Southern Life is a member of Western & Southern Financial Group, Inc., a diversified group of financial companies dedicated to helping meet your needs. Through our affiliate companies and a growing staff of registered representatives, we can help you with much more than your life insurance needs – from mutual funds to variable annuities1 and beyond.

Western & Southern Financial Group companies provide affordable life insurance, investment products, and retirement reviews designed with your life’s plan in mind. Our goal is to help ensure that whatever lies ahead, the security you’ve worked so hard to build is not threatened.

More Than 125 Years of Financial Strength

Western & Southern Financial Group has a heritage of demonstrating resolve and resiliency throughout challenging economic cycles. Our mutual holding company structure allows us to invest for the long-term without the short-term market pressure that often compels higher risks. We maintain a rigorous asset-liability management process to continuously monitor and adjust portfolios to align with the best long-term interests of our policyholders.

Western & Southern’s financial strength is well-known. It is the cornerstone of our success. We remain deeply committed to protecting our financial stability on behalf of our customers. Please feel free to contact us at 1.866.832.7719 if you have any questions or would like additional information.


High Financial Ratings

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

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 all claims 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.

The objective of A.M. Best’s rating system is to provide an overall opinion of an insurance company’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 May 9, 2017.


First-Class Customer Service

As part of its first-class customer service, Western & Southern Life offers you:


Planning Assistance & Financial Tools

Long-term planning can be manageable or overwhelming, depending on how you approach it. Without guidance, it’s hard to know what you need, when you need it. With the right information, tools and timeline, the choices become much easier. features the following tax and planning information and interactive calculators:

2016 Tax Information Guide

Life Stages

Financial Calculators

Individual Retirement Accounts (IRAs)


Quality Products helps you understand what insurance and planning choices best meet your needs. Whether it’s life insurance, critical illness insurance, annuities, or mutual funds, we make it easy for you to understand your options. Western & Southern Life’s suite of quality products includes:

Life Insurance Products

Annuity Products

Investment Products

Health Insurance Products


1 Investment products are offered through W&S Brokerage Services, Inc., 400 Broadway, 4th Floor, Cincinnati, OH 45202, member FINRA / SIPC.

2 Term and universal life insurance and fixed annuities are issued by Western-Southern Life Assurance Company.

3 Whole life insurance, critical illness insurance, and accidental death insurance are issued by The Western and Southern Life Insurance Company. Critical Illness Insurance does not replace the need for health insurance.

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: 12/14/2017