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 Cheapest Life Insurance USA

Western-Southern Life - Life Insurance

Western-Southern Life General Information

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. The company maintains more than 200 offices operating in 22 states and the District of Columbia and provides more than 3,000 licensed, experienced field personnel to assess your personal situation and make recommendations based on your individual needs. This personal touch has made the company what it is today-a financial institution recognized throughout the industry for its outstanding stability and strength.

Western-Southern Life's products and services are offered through two companies. Traditional whole life and cancer products are issued by The Western and Southern Life Insurance Company. Universal Life, term and annuity products are issued by Western-Southern Life Assurance Company, a wholly owned subsidiary of The Western and Southern Life Insurance Company.

Western-Southern Life Products

Economy Life / Strata / eTerm / Term Products / Pacesetter Annuity / Cancer Expense Plan

As one of the nation's strongest and most highly rated financial services organizations, Western-Southern Life provides the financial products and services you need to ensure a secure future. Western-Southern Life know how much you have to protect. That is why Western-Southern Life provide you with a number of products designed to offer you and your family the protection and piece of mind that you need through all of the stages of your life.

Life insurance plays a fundamental role in most of Western-Southern Life plans for financial security. That's because of the variety of life insurance plans available, both whole life and term insurance, and the many ways they can be customized to meet unique needs at different periods of our lives. One type is not necessarily better than the other, and you may find that a mixture of the two will best suit your needs.

Western Southern Lifes' Economy Life¹ and Strata² products are permanent life insurance that allow you to protect your family or business and accumulate money to help fund college, retirement, or unplanned expenses.

Term insurance like Western-Southern Life eTerm² and Term Products² are temporary policies that provide you with the largest amount of coverage for the dollar when your financial obligations are the greatest, such as when your children are young and you have a mortgage.

Fixed annuities like Western-Southern Life's Pacesetter Annuity² provide the opportunity for you to protect your money and allow it to accumulate, tax-deferred, at the same time. When it comes time to retire, you may decide to withdraw the money that you've accumulated in the annuity all at once. Or, you may choose to select among various retirement income options, which includes a way to guarantee yourself a monthly income for as long as you live.

The American Cancer Society* reports that 1.3 million new cancer cases will be diagnosed this year, with the total costs for treatment running into the billions. That is why Western-Southern Life offers two Cancer Expense Plans¹ to help meet the high costs of the treatment of cancer should you or your loved ones be diagnosed with the disease.

Western-Southern Lfie Economy Life Policy

Economy Life is whole life insurance from The Western and Southern Life Insurance Company that provides affordable, permanent coverage while building cash value for the future. Permanent life coverage means that you are protected for your entire lifetime, up to age 100. When you die, the death benefit provided by your policy can be paid to your beneficiary to help pay off your mortgage, fund your children's education, or simply help your family maintain the lifestyle you've worked so hard to provide.

The fixed level premiums you pay for your Economy Life policy build cash value for the future. This cash value grows, tax-deferred, and can be used to fund a major life purchase for special opportunities or emergencies or for your retirement through the use of a policy loan or surrendering the policy.

Another feature of Western-Southern Lfie Economy Life policy is dividends. You can use these dividends to pay premiums or purchase more insurance, you can keep them in your policy to earn interest, or you can receive them in cash. Dividends are not guaranteed.

Automatically included (in Texas-must apply) at no additional premium is:

  • Accelerated Death Benefit Rider-Allows for early payment of a portion of the basic policy's death benefit upon receipt of medical proof that the insured is terminally ill and if certain conditions are met. This rider is not available in all states.

There are several other riders you can choose to purchase to customize your policy:

  • Accidental Death Benefit Rider-Pays an additional sum of money to the beneficiary upon receipt of proof that the insured's death was accidental.
  • Insurability Protector Rider-Provides the insured with the right to purchase additional insurance at later dates.
  • Term Riders-Provides temporary insurance coverage for the insured's spouse, children, or mortgage needs.
  • Waiver of Premium Disability Benefit Rider-Waives all policy premiums if the insured is continually disabled as defined in the rider.



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