A.M. Best A+ rated · 3 products
Western-Southern Life Assurance Company Annuities — A+ Rated
Western-Southern Life Assurance Company is an A.M. Best A+-rated annuity carrier. The current lineup includes 3 multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A+
A.M. Best
Annuity products
3
3 MYGA products
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 3 MYGA product pages
- Product families
- MultiRate, SmartSelect, SmartSelect Two
- Product types
- MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
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Carrier Profile
About Western-Southern Life Assurance Company
Overview: Western-Southern Life Assurance Company is part of Western & Southern Financial Group, a Cincinnati-based group with roots dating to 1888. For annuity shoppers, the current lineup is MYGA-focused rather than broad indexed-annuity coverage: MultiRate, SeniorSelect, SmartSelect, and SmartSelect Two.
Product lineup: The strength of the lineup is guaranteed-rate choice. MultiRate publishes multiple guarantee-period choices, while SmartSelect and SmartSelect Two are cleaner fixed-rate MYGA options with nursing-home, terminal-illness, and RMD waiver context in the product data. SeniorSelect is also available in the current lineup, but its current rate is lower than the rest of the lineup and should be compared carefully against the newer MYGA entries.
Notable live products: Current rate data shows MultiRate at 6.20%, SmartSelect Two at 4.60%, SmartSelect at 4.50%, and SeniorSelect at 3.25%. Because these are MYGAs, those figures are guaranteed-rate signals, not indexed caps or participation rates.
Who it may fit: Western-Southern Life Assurance may suit conservative buyers who want a strong carrier group and a straightforward fixed-rate annuity comparison. It is not the right fit for shoppers seeking FIA income riders or index-linked upside; the current lineup here is limited to MYGA products.
Financial Strength In Plain English
The current CANNEX rating feed returns A.M. Best A+ for Western-Southern Life Assurance Company. Western & Southern's public financial-strength materials also place its member life insurers in high claims-paying categories. In plain English, this is a stronger rating profile than many smaller MYGA issuers, so the tradeoff is usually less about whether the carrier is established and more about whether the guaranteed rate, surrender period, and liquidity rules fit the buyer.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
MultiRate
A multi-year guaranteed annuity from Western-Southern Life Assurance Company that publishes 1-, 2-, 3-, 4-, 5-, and 7-year terms, a seven-year front-loaded surrender ladder with annual free-withdrawal access, and contractual nursing-home and terminal-illness waivers — broadly filed but excluded from five US states.
Open product pageSmartSelect
A multi-year guaranteed annuity from Western-Southern Life Assurance Company that publishes 3-, 4-, 5-, 6-, and 7-year terms, a clean year-by-year declining surrender ladder, an annual free-withdrawal allowance, and a three-waiver package (nursing home, RMD, terminal illness) — broadly filed across the country, with a revised successor (SmartSelect Two) now also on the market.
Open product pageSmartSelect Two
Western-Southern Life Assurance Company's revised successor MYGA on the SmartSelect chassis — same broad availability, same year-by-year declining surrender ladder, same three-waiver package (nursing home, RMD, terminal illness), and currently the higher published 5-year declared rate of the SmartSelect pair.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
MYGA Products
MultiRate
MultiRate
Open the product page for live rates, state availability, and term-specific detail.
SmartSelect
SmartSelect
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SmartSelect Two
SmartSelect Two
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Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
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Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Western-Southern Life Assurance Company is currently represented by three MYGA pages: MultiRate, SmartSelect, and SmartSelect Two.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
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Western-Southern Life Assurance Company Product Families
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