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Life Insurance, Retirement, Investments | Western & SouthernWe have served families just like yours for decades with our diverse range of life insurance, annuities, and investments. Put our financial strength behind you.Life Insurance, Retirement, Investments | Western & Southern Skip to Main Navigation Skip to Main Content Contact About Careers Family of Companies Search for Contact Menu Close Life Insurance Life Insurance Products Whole Life Insurance Universal Life Insurance Term Life Insurance Compare Life Insurance Additional Insurance Key Person Insurance Critical Illness Insurance Accidental Death Insurance Buy-Sell Agreements BenefitsPLUS Key Person Insurance Critical Illness Insurance Accidental Death Insurance Buy-Sell Agreements BenefitsPLUS Life Insurance Resources What is Life Insurance? What is a Life Insurance Policy? Why is Life Insurance Important? What Does Life Insurance Cover? Do I Need Life Insurance? How Much Life Insurance Do I Need? 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Our site uses cookies to improve your visitor experience. By browsing our website, you agree to the use of cookies and agree to our privacy policy. OK OK Life Insurance Protection & Policies Tailored to Meet Your Needs Personalized life insurance solutions can help you protect your family's financial future. Get My Free Life Quote Helping Provide Financial Stability Through Life Insurance, Retirement & Investments Protect My Family Different times in life call for different life insurance options. Explore our whole, term and universal life solutions to help protect your family's or small business' financial future. Explore Life Insurance Plan for the Future Dreams require careful planning. However you envision your retirement — traveling cross-country, running an antique store or renovating a second home — we can help you get there. Prepare for Retirement Grow My Wealth Smart investing strategies can play an important role in growing your wealth. Discover how investments may help you save for college, retire early or fund your dream vacation. Invest In Your Future People Helping People A lot has happened since 1888. Industrialization, depression, war, natural disasters, boom and bust, but our history isn’t about world changing events, or global developments. It’s more personal than that. It’s a history of people helping people. People Helping People – That’s Western & Southern A lot has happened since 1888. Industrialization, depression, war, natural disasters, boom and bust. But our history isn’t about world changing events, or global developments. It’s more personal than that. It’s a history of people helping people. It’s about the factory worker who could protect his family thanks to affordable life insurance. It’s about the families that stayed afloat during the Great Depression due to financial relief and moratoriums. It’s about the service men and women who received salary supplements during World War II. It’s about the mother and father who funded their son’s college education with confidence. It’s about the retiree who can count on a monthly income to focus on what really matters. It’s about the grieving family who had one less thing to worry about when the unthinkable happened. We are a human institution serving human needs, and it’s our promise to deliver financial strength and stability for families when they need it most, and when they want to live life to the fullest. It’s a promise based on long term focus, sensible decision making, and compassion for the communities we serve. We are Western & Southern Financial Group. Learn More About Life Insurance How Does Life Insurance Work? What Does Life Insurance Cover? What are the Different Types of Life Insurance? Why is Life Insurance Important? What is Permanent Life Insurance? Who Needs Life Insurance? Life Insurance Resources Life Insurance Resources How to Prepare for Retirement How Much Do I Need to Retire? What's the Average Retirement Savings by Age? What are the Types of Retirement Plans? How Long Will My Retirement Savings Last? How Much Does a Couple Need to Retire? Is There a Right Age for Opening an IRA? Retirement Planning Resources Retirement Planning Resources Getting Started with Investing How Does Investing Work? How Do Mutual Funds Work? What Is a 529 College Savings Plan? What is a Diversified Portfolio? How Does Compound Interest Work? How Does Inflation Impact My Investments? Investments Resources Investments Resources Personal Finance Essentials What is Personal Finance? What Does a Budget Look Like? How Much Debt Is Too Much? Should I Pay Off Debt or Invest My Money? How Much Money Should You Have in Savings? How Much Does It Cost to Raise a Child? Personal Finance Resources Personal Finance Resources Financial Calculators How Much Life Insurance Do I Need? Our calculator can help you determine how much life insurance you may need at this stage of your life. Life Insurance Calculator Do I Have Enough to Retire? Are your current retirement planning strategies generating enough funds for you to meet your retirement goals? Retirement Calculator How Much Do I Need to Save for College? Your children are growing up fast. Are you financially prepared to help them pay for college? College Savings Calculator All Financial Calculators Why Western & Southern? When it comes to planning your finances, you want a company you can feel confident about. Number 284 on the Fortune 500® List1 As one of the world’s strongest life insurance companies, we are here for you for every stage of life to help you get to where you want to go in life. 135-Year Heritage Western & Southern has been serving families and businesses just like yours with our diverse range of life insurance, annuities and investments. A+ Better Business Bureau Rating Western & Southern is committed to faithfully honoring our promises today, tomorrow and always. Are You an Industry Professional? I'M WITH AN INSTITUTION I'M A FINANCIAL PROFESSIONAL Make informed choices about your financial future. Visit BrokerCheck by FINRA. at is typing... IMPORTANT DISCLOSURES 1 From Fortune ©2024 Fortune Media IP Limited.  All rights reserved.  Used under license.  Fortune and Fortune 500 are registered trademarks of Fortune Media IP Limited and are used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of Western & Southern Financial Group. Contact Us 877-367-9734 Monday - Friday | 8 a.m. - 6 p.m. ET Saturday | Closed Sunday | Closed Holidays | Closed Send Us an Email Life Insurance Whole Life Insurance Universal Life Insurance Term Life Insurance Life Insurance Calculator Retirement Annuities Individual Retirement Accounts Retirement Plans Retirement Calculator 401(k) Calculator Retirement Withdrawal Calculator Investments Mutual Funds Investment Advisory 529 Plan Annuities College Savings Calculator Company About Financial Strength Careers Newsroom Corporate Responsibility Family of Companies A+ Superior AM Best Company1 AA- Very Strong Standard & Poor's2 AA Very Strong Fitch3 Aa3 Excellent Moody's4 95 out of 100 Comdex Ranking5 A+ Superior AM Best Company1 AA- Very Strong Standard & Poor's2 AA Very Strong Fitch3 Aa3 Excellent Moody's4 95 out of 100 Comdex Ranking5 Privacy Request Privacy Policy Accessibility Statement Terms & Conditions 400 Broadway Cincinnati, OH 45202 877-367-9734 © 2017-2025 Western & Southern Financial Group, Inc. WS20171009185023 • Last Updated 7/17/2024 Western & Southern is the marketing name for a group of diversified financial services businesses composed of Western & Southern Financial Group and its seven life insurance subsidiaries. Life insurance and annuity products may be issued by The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Columbus Life Insurance Company, Integrity Life Insurance Company, The Lafayette Life Insurance Company, National Integrity Life Insurance Company or Gerber Life Insurance Company. Products and services referenced in this website are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies. Not all products and services are available in all states. All companies are members of Western & Southern Financial Group and are located in Cincinnati, OH with the exception of National Integrity and Gerber Life, which are located in White Plains, NY. This site is intended to provide a general overview of our products and services. Please review the details of each product with your financial representative to determine which options may best fit your needs. Western & Southern Financial Group does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation. The information provided is for educational purposes only. 1 Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009 for six out of seven of Western & Southern Financial Group’s life insurance subsidiaries, rating held since February 2024 for Gerber Life). Gerber Life is not rated by other rating agencies. 2 Very strong financial security characteristics (fourth highest of 21 ratings; rating held since August 2018)  3 Very strong capacity to meet policyholder and contract obligations on a timely basis (third highest of 21 ratings; rating held since June 2009)  4 Excellent financial security (fourth highest of 21 ratings; rating held since February 2009) 5 The Comdex Ranking is a composite of all the ratings a company has received from the major rating agencies. It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in an effort to reduce confusion over ratings because each rating agency uses a different scale.  Financial strength ratings apply to the individual member insurance companies affiliated with Western & Southern. Gerber Life is rated only by AM Best. The Lafayette Life Insurance Company is not rated by Moody’s. 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. Ratings are subject to change from time to time. The ratings shown here are correct as of March 6, 2025. Gerber Life Insurance is a trademark. Used under license from Société des Produits Nestlé S.A. and Gerber Products Company. Ready to Continue? You have clicked a link to access information on an external website, so you will be leaving westernsouthern.com.  When you select a link to an external website, you are subject to the privacy, copyright, security, and information quality policies of that website. The Western & Southern Financial Group: DOES NOT control or guarantee the accuracy, legality, relevance, timeliness, or completeness of information contained on a linked website; DOES NOT endorse linked websites, the views they express, or the products/services they offer; CANNOT authorize the use of copyrighted materials contained in linked websites; IS NOT responsible for transmissions users receive from linked websites; DOES NOT guarantee that outside websites comply with the accessibility requirements of Americans with Disabilities Act. Are you ready to move forward? Yes No Help Protect Loved Ones Life insurance safeguards families. 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