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Western-Southern Health Assurance Insurance Company

Overall RatingNo Ratings
Customer ServiceNo Ratings
NetworkNo Ratings
PlansNo Ratings

A review of the Western-Southern Health Assurance Insurance Company finds instead the Western & Southern Life Assurance Company. Western & Southern Life Assurance is a subsidiary of the Western & Southern Life Insurance Company, which is, in turn, a member of the Western & Southern Financial Group. For purposes of this review, we will focus on the Western & Southern Life Insurance Company and its products.

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Western & Southern has been in the insurance business since 1888, and is now licensed to do business in 45 states and Washington, D.C. Although the company does not offer health insurance, it does sell critical care illness coverage, along with life insurance. Western & Southern also sells financial products such as:

  • Annuities
  • Mutual funds
  • Retirement plans such as IRAs

Western & Southern Life Insurance Company Contact Information

Western & Southern Life Insurance Company is headquartered in Cincinnati, Ohio. If you have general inquiries, you can send them via mail to:

Client Relationship Center
Western & Southern Life Insurance Company
400 Broadway
Cincinnati, Ohio 45202-3341

The company has an automated, 24-hour customer service hotline that is reachable at 1-800-926-1993. You can speak to a live customer service agent during daytime hours at 1-866-832-7719.

To find a local office or agent in your state, you can search on the “Contact Us” page of the company’s website.

Western & Southern Life Insurance Company Policies

As mentioned, Western & Southern offers life insurance policies, including whole, term, and universal coverage. The company offers four different varieties of whole life insurance, which provides coverage at a fixed premiums and builds a cash reserve against which the policyholder may borrow funds. Some of the company’s whole life policies also pay dividends, making them a potential retirement vehicle, as well as necessary protection for the time before retirement.

Western & Southern’s term life insurance policies offer coverage for a specified period of time, and may be converted to a whole or universal policy at any time.  The company offers several types of term life coverage, including:

  •  10, 15, 20, and 30-year guaranteed level term policies
  • Term to 25 policy for children
  • Annual renewable and convertible term policy

The company also has two different kinds of universal life insurance for sale, which let you adjust your premiums and your death benefit. This helps you adjust your coverage to your changing needs over the years.

Western & Southern Life Insurance Company also sells a family accident insurance plan, which offers several different coverage options for children and adults. The plan refunds premium payments if it never pays out, once the policyholder reaches the age of 65 and meets other specified conditions.

Western & Southern Life Insurance Company Careers

If you’re interested in a job with Western & Southern, you can search online for jobs with both the Life Insurance Company and the Financial Group. Western & Southern Life Insurance Company is hiring both sales and corporate positions, with nine corporate opportunities currently available in its Cincinnati headquarters. Positions range from agency recruiter to field compensation analyst, and senior internal auditor to customer service analyst.

The Financial Group, as a larger entity, has more job openings. Although most of them are in Cincinnati as well, there are a few scattered around the U.S. Moreover, they’re not necessarily financial jobs. In fact, one of the Financial Group’s subsidiaries – Eagle Realty Group – even has an opening for a painter!

The benefits for employees of Western & Southern Financial Group, including those at the Western & Southern Life Insurance Company, include:

  • Life, dental, and health insurance
  • 401(k) plan
  • Pension
  • Free fitness facility
  • Subsidized parking
  • On-site cafeteria

In 2010, the company was rated one of the Top Ten Best Places to Work, according to WorkPlaceDynamics LLC, which gathers ratings from company employees.

Western & Southern Life Insurance Company Ratings and Reviews

The Western & Southern Life Insurance Company is very well rated by some of the top insurance and financial industry ratings companies. The company has earned a “Superior” rating of “A+” for its financial strength from A.M. Best Company, as well as an “aa” for its issuer credit rating. Standard & Poor’s has given the company a very strong rating of “AA+” every year since 2005. Fitch has rated Western & Southern Life Insurance a very strong rating of “AA.”

In addition, the company is accredited with the Better Business Bureau and has been since November 2009. Since then, Western & Southern Life Insurance Company has received a grade of “A+” from the BBB, based on its size, its years in business, the number of complaints filed against the company with the BBB, and the number of files closed with a resolution.

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