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Western & Southern Life Overview

Cincinnati, OH
1001 to 5000 employees
Subsidiary or Business Segment
$100 to $500 million (USD) per year
Western & Southern Life can help with life insurance, retirement and financial solutions designed with your needs and goals in mind. We create financial solutions that can help:

• Protect your family’s ... Read more

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Western & Southern Life – Why Work For Us?


About Us

The Western and Southern Life Insurance Company (Western & Southern Life) can help you with all your family’s life insurance and financial needs. We invite you to learn more about our company, our commitment to you, and how we bring you the highest quality products and services by visiting the links below.

Why Western & Southern?

Any way, Anywhere, Anytime ... that’s Western & Southern’s promise to you. Depend on Western & Southern for our stability and strength, high financial ratings, first-class customer service, planning resources and tools, and high-quality products.


Why Western & Southern?

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

  • Stability and Strength
  • High Financial Ratings
  • First-Class Customer Service
  • Planning Assistance & Financial Tools
  • Quality Products

Stability and Strength

Since its founding in 1888, The Western and Southern Life Insurance Company 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 Life 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 annuities1 and 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.

More Than 125 Years of Financial Strength

Western & Southern Financial Group has a heritage of demonstrating resolve and resiliency throughout challenging economic cycles. Our mutual holding company structure allows us to invest for the long-term without the short-term market pressure that often compels higher risks. We maintain a rigorous asset-liability management process to continuously monitor and adjust portfolios to align with the best long-term interests of our policyholders.

Western & Southern’s financial strength is well-known. It is the cornerstone of our success. We remain deeply committed to protecting our financial stability on behalf of our customers. Please feel free to contact us at 1.866.832.7719 if you have any questions or would like additional information.

High 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

Third highest of 21 ratings; rating held since July 2013 for very strong financial security characteristics.

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

Second highest of 16 ratings; rating held since June 2009 for superior ability to meet ongoing insurance obligations.

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

Third highest of 21 ratings; rating held since June 2009 for very strong capacity to meet policyholder and contract obligations on a timely basis.

Comdex: 96 out of 100 (composite held since July 2013)

The Comdex is not a rating itself but a composite of all the ratings that a company has received. The Comdex ranks a company, on a scale of 1 to 100, in relation to other companies that have been rated by the services. The Comdex is an effort to reduce the confusion over ratings, which is caused by each rating service using a different scale.

A company needs to be rated by at least two rating services to receive a Comdex. The Comdex is based on the ratings issued by the following rating services: A.M. Best, Fitch, Moody’s Investors Service, and Standard & Poor’s.

Ratings are subject to change from time to time. The ratings shown herein are correct as of 12/15/2014.

First-Class Customer Service

In its Second Quarter 2010 Online Customer Respect Study of Life Insurance Industry Web Sites, the Customer Respect Group ranked No. 3 in the life insurance industry. With its Customer Respect Index (CRI) score of 7.0 on the 10-point scale, Western & Southern Life retains an “Excellent Rating”. The site led the way in the Content Presentation index, reflecting the strong set of tools that help prospective customers work out the type and amount of life coverage they need, as well as how much it costs. Western & Southern Life is one of only three life insurance Web sites to receive the Excellent rating for online customer respect.

The Customer Respect Group is an international research and consulting firm that focuses on how corporations treat and respect their online customers. The CRI – which is comprised of five sub-indexes, 50 visitor benefit statements, and 200 objectively measured criteria – is designed to identify best practices, online trends, common practices, and developments within the corporate Web environment. The Customer Respect Group reviews more than 300 Web sites annually across multiple industries. This collective and continuously-updated knowledgebase provides both an objective cross-industry benchmark and a unique insight into current and future online requirements as functionality migrates across industries at a pace driven by customer expectations.

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

  • 180 offices operating in 22 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
  •, our Web site that provides information and get-a-quote functionality 24 hours a day, seven days a week

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. features the following tax and planning information and interactive calculators:

2014 Tax Information Guide Life Stages Financial Calculators

  • Life Stage Milestones
  • Mortgages & Loans
  • Personal Finance & Debt Management
  • Retirement
  • Savings
  • Taxes

Individual Retirement Accounts (IRAs)

  • Traditional IRAs
  • Roth IRAs
  • Rollover IRAs
  • Roth Conversion IRAs

Quality Products 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 Life’s suite of quality products includes:

Life Insurance Products

  • Term insurance
  • Whole life insurance
  • Universal life insurance

Annuity Products

  • Single-premium deferred
  • Single-premium immediate
  • Flexible-premium deferred
  • Tax-qualified
  • Non-tax qualified

Investment Products

  • Mutual funds
  • Variable-rate products

Health Insurance Products

  • Critical illness
  • Accidental death


About the Rewards

Being a Western & Southern Life Financial Representative offers you the chance to help improve people's lives while enjoying a challenging and rewarding career.

Make a Personal Impact

See what a real difference you could make. Our Financial Representatives impact others' lives every day.

Total Rewards Package

As a Financial Representative, you have the most control of how much you earn. We offer numerous incentives to motivate and reward high achievers as well as a highly competitive benefits package.

Training & Career Growth

Our training ranks among the best in the industry, so you're assured of learning the tools and techniques that win customers. We also offer exciting and distinctive career growth opportunities. Our training program is a springboard to endless opportunities such as marketing specialization and field management.



About Our Sales Careers

Financial Representative Career

The purpose of the Financial Representative position at Western & Southern
Life is to meet the middle-income client needs for risk protection and financial
security by educating clients, analyzing needs, and recommending solutions in an
ethical and client-focused manner. The Financial Representative provides
financial solutions to the right people, in the right way, for the right reasons

Administrative Careers

Our District Supervisor and Account Recrievable Analyst roles provide Customer Service and Sales Support to current and potential clientele, represent our services and support our Financial Representatives.

Selection Process

We like to think that we don’t select qualified candidates. We collaborate with them.

Our multi-step selection process will provide opportunities for both of us to determine if this is the career for you.

o   We will start with our Online Assessment

o   Then move onto our Background Check and review

o   Third is our initial interview to learn more about one another

o   Pre-Contract is next that allows you to see this career firsthand

o   State requirements will each be different but becoming licensed for your Life and Heath would be next

o   Last the offer-Your career begins here.


Transitioning Military

As a designated 2015 Top 100 Military Friendly® Employer and Military
Friendly® Spouse Employer
, Western & Southern Life is committed to
helping our veterans find satisfying, challenging, and rewarding careers in
sales. As a member of our team, you'll enjoy a competitive compensation plan that rewards results and an opportunity for advancement in your career. You'll feel the pride of representing a great company. And you'll experience the satisfaction of helping clients achieve
financial security.




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 insurance 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 insurance 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 insurance 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.

Western & Southern Life Reviews

Rating TrendsRating Trends
Recommend to a friend
Approve of CEO
Western & Southern Life Chairman, President, and CEO John F. Barrett
John F. Barrett
150 Ratings
  • "Great Company!"

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Financial Representative
    Current Employee - Financial Representative
    Neutral Outlook
    Approves of CEO

    I have been working at Western & Southern Life full-time (More than 3 years)


    Leardership at the Divisional Vice president level all the way down to the staff manager is amazing. They care about your success and do everything they can to help you succeed. My staff manager has made sales in his personal market and given me the credit and commission. They help teach you the skills you need to do the job well and learn how to take control of your business.


    No base salary after training period, no reimburment for gas, very long work days. you chose you schedule but if you are not working at least 12 hrs a day you wont make it.

See All 272 Reviews

Western & Southern Life Photos

Western & Southern Life photo of: Agency Leader Conference
Western & Southern Life photo of: Xavier University Partnership!
Western & Southern Life photo of: Cincinnati Reds Military Appreciation Day
Western & Southern Life photo of: Cincinnati Reds Military Appreciation Day
Western & Southern Life photo of: Army PaYS Ceremony
Western & Southern Life photo of: Army PaYS Partnership
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Western & Southern Life Interviews



Getting an Interview

Getting an Interview





    Sales Representative Interview

    Anonymous Interview Candidate in Miami, FL
    Declined Offer
    Neutral Experience
    Average Interview


    I applied through a recruiter. The process took 5 days. I interviewed at Western & Southern Life (Miami, FL) in May 2017.


    The interviewer is super friendly, they have a complete and structured information process to let you know about how the job works, they know how to sell you the idea of ​​working with them, but at the same time you know that you are being sold the opportunity to make money Seems to be easy but in reality it is not, but rather easy for them.

    Interview Questions

See All 67 Interviews

Western & Southern Life Awards & Accolades

  • Military Friendly Employer, G.I. Jobs / Victory Media, 2017
  • Military Friendly Spouse Employer, G.I. Jobs / Victory Media, 2017
  • Top 100 Military Friendly Employer, G.I. Jobs / Victory Media, 2016
  • Top 50 Military Friendly Employers for Spouses, G.I. Jobs / Victory Media, 2016
  • Top 100 Military Friendly Employer, G.I. Jobs / Victory Media, 2015
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