Western Southern Life

Western Southern Life Insurance Company was founded in 1888. Western and Southern Life Insurance Company sells a variety of traditional whole and term life insurance products through the career agency distribution system (over 1500 sales representatives in about 180 field offices). Learn more in our Western Southern Life company overview below.

UPDATED: Dec 21, 2020Fact Checked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 21, 2020

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Company Details
Address: 400 Broadway
City: Cinncinnati
State: OH
ZIP Code: 45202
Phone Number: 513-629-1800
AM Best Rating: 07243
Lines of Insurance: auto, health, care, life, disability
States Licensed To Sell Insurance In: AL, AZ, AR, CA, CO, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY
Type of Insurance Company: Life and Health
Parent Company: Western and Southern Life Insurance Company
Top executive Contact: John F. Barrett
Title of Top executive: Chairman
Assets & Premiums:

Western and Southern Life Insurance Company’s net premiums written for 2005 were $395 million. Ohio accounted for about 25%, North Carolina for 9.5% and Illinois for 7.9%. The company’s assets at year end 2005 were $8.3 billion. For the entire W&S Financial Group the reported total statutory premiums for its life entities amounted to $2.6 billion and total assets owned and under management at the end of 2005 were $38.6 billion.

Company Rating 1.48 (64 reviews)

Company Overview:



Company History: The Western and Southern Life Insurance Company was founded in 1888. This Ohio based insurer is the lead company of a group of life insurance companies that have operated since 2000 under a mutual insurance holding company structure as the Western & Southern Financial Group.

Historically, Western and Southern Life has focused on providing individual insurance products to the middle income and small business markets. Today Western & Southern Financial, through its subsidiaries, offers a variety of life insurance products, annuities, accident and supplemental health coverages, long term care plans, disability insurance and mutual funds through independent agents and brokers.

Mutual funds and equity investment products are offered through a subsidiary, Capital Analysts.

Principle Sales Methods: Western & Southern Financial Group’s primary distribution systems are the career agency force (26 percent of total revenue), sales through financial institutions (26), independent producers (15) and broker/dealers (33).

Life Annuity Business: Western and Southern Life Insurance Company sells a variety of traditional whole life and term life insurance products through the career agency distribution system (over 1500 sales representatives in about 180 field offices), which initially operated as a home service agency force. The principal products include traditional and interest-sensitive life insurance, health insurance and fixed and variable annuities.

Health Business: The health insurance offerings include long-term care, Medicare supplement plans, disability income, individual health insurance plans, health savings accounts, critical illness insurance plans and group health insurance.

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