February, 25 2018


Life insurance reviews, news and prices from the top companies

Western Southern Life Insurance Company Review $38.22

Western Southern Life Insurance Company Review

  • Price
  • Underwriting
  • Financial Rating

Western Southern Life Insurance Company Review

Pros:  Western & Southern Life is highly rated- A+ Superior by A.M. Best (second highest of 16 ratings) with a Comdex score of 97 out of a possible 100.  They also have a great reputation for excellent customer service.  W&S Life has stability as they were established more than 125 years ago.  W&S also follows the face-to-face sales model which some people prefer.

Cons:  Western & Southern Life’s term rates are often more expensive compared to what is available elsewhere, also underwriting can be strict sometimes which can pose additional problems for applicants.

Bottom Line:  Western & Southern is highly rated life insurance company with an excellent customer service ranking.  You can feel secure knowing you are with a financially superior company that will be able to payout any claim.  However, as we recommend for all the companies we review, we recommend receiving a quote from Western Southern Life but also from other carriers as well and choose the best.


Type: Mutual Company

Underwriter: The Western and Southern Life Insurance Company

Founded: 1888

Website: westernsouthernlife.com

Phone: (866) 832-7719

Address: 400 Broadway Cincinnati, OH 45202

A.M Best Rating: A+ (Superior) second highest of 16 possible ratings

Comdex Ranking: 97 out of 100

BBB Rating: A+

Competitors: MetLife, Northwestern Mutual, NY Life, Mass Mutual, John Handcock, Allstate, Nationwide, Primerica, SBLI, Banner Life, Protective Life, American General Life, Genworth Life, Pacific Life Insurance, North American Co, Lincoln National Life, ING-ReliaStar, Transamerica, Prudential.


How Are Western & Southern’s Prices Compared to the Competition?

Sample prices for the best rating class for a 45-year old male for a 20-year level term:

AmountSBLI (A+) RatedAIG (A) RatedProtective (A+) RatedWestern-Southern (A+) Rated


By comparing rates, we can see $750,000 of life insurance with SBLI will cost less than $500,000 with W&S Life.



Receive an instant quote from Western & Southern here then compare rates with nation’s other top life insurances by clicking on the green button blow.



 We want to hear from you about your experience with Western & Southern Life Insurance. Voice your opinion.  Was it positive or negative?  Tell others if you would recommend them to your friends and family.  Please leave a comment and rating below right now.

*$38.22 is the monthly rate for $200,000 policy on a 20 year term for a 40 year old male at the best health class.

Review Date
Reviewed Item
Western & Southern Life Insurance Company Review
Author Rating

One Comment

  1. 100,000 accidental death at 15.12 with 100% of premium at 65 was the best policy offered