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Products helps you understand what insurance and long-term 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. You also can get a quote, receive additional information, and locate an office nearest you.

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.

Critical Illness Insurance

Critical illness – such as life-threatening cancer, heart attack, and stroke – is one of the greatest threats to most people’s desire to be financially independent. Recovery from a critical illness is often lengthy and expensive – involving the loss of personal wages and your ability to pay for care and treatment.

Critical Illness Insurance* can help protect you from financial hardship that can occur when a critical illness happens. If a life-threatening illness occurs as defined in the policy, Critical Illness Insurance pays you a benefit to help protect your quality of life with the freedom to use the money however you choose.

Additional Insurance

In addition to its own life insurance products and Critical Illness Insurance, Western-Southern Life has created strategic partnerships with a number of other companies to offer you health insurance, long-term care insurance, Medicare supplement insurance, and disability income insurance.


Annuities are a means to save money on a tax-deferred basis. Under current tax laws, interest earned is not taxed until you withdraw the money. Annuities are available as a fixed product that pays a guaranteed interest rate declared by the Company or as a variable product where the contract owner decides how to allocate the annuity funds and bears the risk.

An annuity is a vehicle that returns the proceeds in an agreed-upon schedule. You make a single payment or series of payments, and the annuity value grows tax-deferred. At a point of your choosing, your annuity value is paid out to you; you also decide how to receive the money. One popular option is to arrange a stream of income payments that continue for the rest of your life.

Mutual Funds

Mutual funds are an excellent way to invest. There are a host of funds available that can help you meet your needs and fit within your financial goals and objectives. Learn more about investing and the specific mutual funds offered through our strategic partnership with W&S Brokerage Services, Inc. (member FINRA / SIPC).

*Critical Illness Insurance does not replace the need for health insurance.

Mutual funds and variable annuities discussed in this Web site are offered through our strategic partnership with W&S Brokerage Services, Inc. (member FINRA / SIPC).

Annuities and life insurance products discussed in this Web site
are underwritten by The Western and Southern Life Insurance Company and Western-Southern Life Assurance Company.

Spokesperson is a compensated endorser.

Financial translator™ is not a professional designation. We speak finance® is a registered trademark, and financial translator™, Western & Southern financial translator™ and Talk to a financial translator today™ are trademarks of The Western and Southern Life Insurance Company.


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Last Updated: 12/14/2017