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Translating Security Into Simple, Affordable Financial Solutions

We know that one size doesn't fit all. With our products, you can choose from a variety of options designed to fit your budget and personal needs. Whether it's life insurance or Critical Illness Insurance, our financial translatorsTM can partner with you to help find a solution that's right for you to protect the people you love.

Whole Life Insurance

Whole life insurance1 can provide protection for your entire life. You always pay the same premium, and your policy builds a cash value that you can access2 during your life. The policy may also pay you dividends, which you may receive as cash payments.


Term Life Insurance

Term life insurance3 helps protect you for a specific period of time, usually 10, 15, 20, or 30 years. You always pay the same premiums, and if your situation changes, you may be able to convert4 the policy to a permanent life insurance policy such as whole life or universal life.


Universal Life Insurance

Universal life insurance3 gives you the most flexibility. You can change your selected premiums and increase5 or decrease your death benefit, which is the amount the policy pays out when you die. You can easily make changes to this policy as your life situation changes.


Accident Insurance

Accident insurance1 helps protect you and your family in case of accidental death. It's an affordable complement to your life insurance policy.


Critical Illness Insurance

Another complement to your life insurance policy, Critical Illness Insurance1,6 helps protect you and your family if a life-threatening illness occurs. It pays a lump-sum benefit upon proof of being diagnosed with one of the covered illnesses.


1Whole life insurance, critical illness insurance, and accident insurance are issued by The Western and Southern Life Insurance Company, Cincinnati, Ohio.

2Cash value can be accessed through loans or withdrawals, which will reduce the death benefit.

3Term life insurance and universal life insurance are issued by Western-Southern Life Assurance Company, Cincinnati, Ohio.

4Convertibility requires meeting certain criteria as defined in the policy.

5An increase would involve additional underwriting.

6Critical Illness Insurance does not replace the need for health insurance.

The Western and Southern Life Insurance Company and Western-Southern Life Assurance Company are members of Western & Southern Financial Group.

Guarantees are based on the claims-paying ability of the issuer.

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.

Spokesperson is a compensated endorser.


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Last Updated: 12/14/2017