Life Insurance

Life insurance can protect you, and those you care about, for a limited period or for your entire lifetime, currently up to age 100. It's an excellent way to protect your family and help secure their financial future if you're not around.

Life insurance is an agreement that you'll make a series of premium payments. In return, the insurance company will pay the death benefit to your beneficiary when you die. Your beneficiaries can use the death benefit to pay off debt or maintain their lifestyle. The amount and type of life insurance you choose depends on your goals and financial situation.

Western & Southern Life offers the following types of insurance:

Whole Life Insurance

Whole life insurance gives you protection for your entire life at a fixed premium. It also builds cash value and may pay policy dividends.

Term Life Insurance

Term life insurance gives you protection for a particular period of time. Your premiums are guaranteed during that time period, and you may convert your policy if your situation changes.

Universal Life Insurance

If you need flexibility, this type of insurance lets you adjust your premiums and increase or decrease your death benefit as your needs change.

Accident Insurance

Accident insurance helps protect you and your family in the event of financial losses caused by accidental death, as defined in the policy.

The product information contained in is a summary of available benefits. The exact terms of the benefits and the applicable provisions and conditions are contained in the policy or rider. Any policy or rider contains terms under which it may be continued in force or discontinued. A policy or rider may not be available in all states or may have different provisions in certain states.

Toll-free Phone

For more information about Western & Southern Life’s insurance products, please call 866.832.7719 between 8:00 a.m. and 10:00 p.m. ET, Monday through Thursday, between 8:00 a.m. and 6:00 p.m. ET on Friday, and between 9:00 a.m. and 1:00 p.m. ET on Saturday (excluding holidays).