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Last Updated: 04/18/2025

Western & Southern Life Insurance

from Western & Southern Financial Group

Last Updated: 04/18/2025

Mostly recommended8 total votes

4 users recommend

1 users are unsure

3 users don't recommend

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Highlights

Community Rating

Mostly recommended

Term Life Death Benefit Range

N/A

Term Options

Term Life
Level Term

Financial Strength Rating

A+(Verified 04/18/2025)

Number of Reviews

Western & Southern Life Insurance Review

Western Southern life insurance Pros & Cons

Pros

Cons

Life policy terms of up to 30 years.
Strong financial rating
Available in 43 states.
Access to multiple life insurance policy types.

Western & Southern Financial Group is a life insurance carrier based in Cincinnati, OH. The company was founded in 1888 and offers life insurance products in 43 states (and Washington, DC).

Western Southern life insurance FAQ

What types of life insurance products does Western & Southern Financial Group offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Western & Southern Financial Group offers.

Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Western Southern life insurance offers term lengths ranging from 10 to 30 years.
Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.

What is SuperMoney's financial rating of Western & Southern Financial Group?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Western & Southern Financial Group an A+, which is the highest available rating we give to life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from independent insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

400 Broadway

Cincinnati, OH 45202

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly recommend this product, giving it a user recommendation score of +13, or 3.3 on a 5-point rating scale.

+13

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Western & Southern Life Insurance Community Reviews

Would you recommend Western & Southern Life Insurance to your friends?

Melissa K.

Jul 10, 2023

May or may not recommend

If it was mandated across the country that everyone in the US had to have insurance through Western and Southern, I would willingly go to a federal penitentiary and elect to go to solitary confinement for the rest of my life before I would get insurance through Western and Southern. They have no communication with their customers, their customer service people when calling have no idea how to interact with ...Show More

Mazhar C.

Nov 25, 2022

May or may not recommend

Western & Southern Life Insurance offers a wide variety of life insurance products to policyholders. The company has a long history dating back to 1854, and its products are well-known and trusted by many. One of the things that policyholders like about Western & Southern Life Insurance is that it offers a wide variety of coverage options. Whether you're looking for term life insurance, whole life insurance, or universal life ...Show More

Sachida J.

Jun 14, 2022

May or may not recommend

Robert W.

Mar 19, 2022

May or may not recommend

W&S has decent services and responsive personnel, but they've had a fairly shaky reputation in the last few years. I've heard of instances of inconsistent policies and that alone is enough to give me pause.

Folasayo O.

Jan 13, 2022

May or may not recommend

The most amongst one of the worst credit unions I have ever applied with am not satisfied with their policy of the firms, they should work on their policy term. I just like the way they help someone evaluate their options and customers should always ask their agent about the assumptions behind before investing.

Daniella J.

Sep 17, 2021

May or may not recommend

Overall the company's culture is great. They offer multiple plan options, they're very transparent and you can always count on them to be there.

Brandon K.

Aug 19, 2021

May or may not recommend

Western & Southern Life Insurance is available in 43 states, which is amazing for someone like me who has moved around a bit. There’s so many options to choose from and the insurance policy’s are fairly reasonably priced. An agent will ask you what your concerns are, and they’ll help you narrow down a plan for those concerns—which help minimize your cost. They offer short and long term and universal ...Show More

Tom T.

Jan 18, 2020

May or may not recommend

My Father passed away in Dec 2019 - he had 2 different small policies that he paid premiums on since the early 1960s - that's 60 years people. After I received the death certificates necessary I called the local district manager and he told me that he would see to it that a package was sent out to me with the appropriate forms and That I should send it ...Show More

Showing 8 of 8 reviews