why western & southern

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Western & Southern Financial Group

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


Stability and Strength

Since its founding in 1888, Western & Southern 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 is a member of Western & Southern Financial Group®, a diversified group of financial companies dedicated to meeting 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 annuities1and 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 ensure that whatever lies ahead, the security you’ve worked so hard to build is never threatened.

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Exceptional 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)
Standard & Poor's AA+ for Very Strong financial security characteristics (second highest of 21 ratings; rating held since August 2005).

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)
A.M. Best A++ Superior for financial strength, operating performance and market profile (highest of 16 ratings; rating held since May 1991).

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)
Fitch AA+ for Very Strong insurer financial strength (second highest of 24 ratings; rating held since September 2002).

Ratings are subject to change from time to time. The ratings shown herein are correct as of 7/28/2008.

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First-Class Customer Service

W&S Agency Group’s Web site, WSLife.com, outshone key competitors like New York Life, John Hancock Financial Services, Prudential, and MetLife by being ranked No. 1 for online responsiveness by The Customer Respect Group (CRG) in its 2006
fourth quarter survey. CRG’s "Customer Respect Index" ranked corporate Web sites based upon how well companies treated visitors to their Web sites. WSLife.com achieved an overall No. 4 ranking among Life Insurance companies.

The Customer Respect Group (headquartered in Bellevue, Washington) is an international research and consulting firm that focuses on how corporations treat their online customers. The study evaluated 50 Web sites as a representative sample of the industry’s leading companies. Using a common set of criteria, it is the only study to bring objective measurement to the analysis of online performance from a customer’s perspective.

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

  • 183 offices operating in 23 states and the District of Columbia
  • More than 2,100 licensed, experienced field personnel to assess your personal situation and make recommendations based on your individual needs
  • Nationwide Call Center coverage
  • WSLife.com, our Web site that provides information and get-a-quote functionality 24 hours a day, seven days a week


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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.

WSLife.com features the following tax and planning information and interactive calculators/tools:

2008 Tax Information Guide

Life Stages

Financial Tools

Individual Retirement Accounts (IRAs)
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Quality Products

WSLife.com 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’s suite of quality products includes:

Life Insurance Products
  • Term insurance2
  • Whole life insurance3
  • Universal life insurance2
Annuity Products
  • Single-premium deferred2
  • Single-premium immediate2
  • Flexible-premium deferred2
  • Tax-qualified2
  • Non-tax qualified2
Investment Products
  • Mutual funds1
  • Variable-rate products1
Health Insurance Products
  • Critical illness3
  • Accidental death3
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1 Investment products are offered through W&S Brokerage Services, Inc., 400 Broadway, 4th Floor, Cincinnati, OH 45202, member NASD, 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.



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What products would you like to learn more about?

Life Insurance
Fixed Annuities
Variable Annuities
Critical Illness Insurance
Mutual Funds

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     Updated 8/27/2008