Western & Southern Life

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 WSLife.com 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.

First-Class Customer Service

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
• WSLife.com, 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.

WSLife.com 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

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 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 immediat^e
• 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.

Insurance

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