Western-Southern Life Assurance Company

About Western-Southern Life Assurance Company

Western-Southern Life Assurance Company offers 6 annuity products tracked on our platform. The ability to ladder your premium across multiple guaranteed rate periods provides a unique way to balance growth with security without needing to predict interest rate direction, combined with tax deferral and guaranteed lifetime income.

Product Lineup

MultiRate

Diversify with guaranteed rates up to 7 years

Multi-Period Rate LadderingUp to 7 years maximum guarantee period

Tax-Deferred GrowthTaxes deferred until withdrawal

Guaranteed Lifetime IncomeLifetime income guarantee

Free Withdrawal Access10% annual free withdrawal

Best for: People approaching or in retirement who want guaranteed income, tax-deferred gro...

SeniorSelect

Tax-deferred growth + guaranteed lifetime income

Guaranteed Interest Rate1–7 year terms available

First-Year Rate EnhancementEnhanced rate in year 1

Tax-Deferred GrowthTax deferred until withdrawal

Flexible WithdrawalsUp to 10% annually free

Best for: Individuals near or in retirement who want guaranteed income, tax deferral, and ...

SmartSelect

Guaranteed rates + tax deferral + flexible withdrawals

Guaranteed Rate Options (GRO)3-7 year choices with guaranteed rates

Tax-Deferred GrowthNo current income tax on earnings

Free Withdrawals10% per year, $250 minimum

Market Value Adjustment (MVA)Applied to withdrawals beyond free amount

Best for: Investors age 0-85 seeking guaranteed returns, tax deferral, and predictable inc...

SmartSelect

Guaranteed rates. Tax-deferred growth. Flexible income.

Guaranteed Rate Options (GRO)Annual effective rates with daily compounding

Free Withdrawal Access10% annual limit (noncumulative)

Tax-Deferred GrowthGrowth compounds tax-free until withdrawal

Income OptionsIncome backed by insurer's claims-paying ability

Best for: Individuals age 0-85 seeking guaranteed growth, tax-deferred accumulation, and p...

SmartSelect Two

Fixed-rate deferred annuity with guaranteed income & tax deferral

Guaranteed Rate Options (GRO)3-7 year terms available

Free Withdrawal Access10% per contract year, $250 minimum

Tax-Deferred GrowthGrowth faster than taxable alternatives at same rate

Income OptionsLifetime income guaranteed by insurer

Best for: Investors seeking guaranteed returns, tax deferral, and eventual guaranteed inco...

SmartStep

Guaranteed rates that step up for 4 years

Guaranteed Initial Rate with Step-Ups0.15% - 0.40% annual increase

Tax-Deferred Compound GrowthNo current income taxes on earnings

Withdrawal-Charge-Free Access5-10% annual free withdrawal

Declining Withdrawal Charges7% to 0% declining schedule

Best for: Individuals seeking predictable, guaranteed interest rate growth with tax deferr...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A+

Description

Superior

Effective

June 5, 2015

Rating Agency

Fitch

Rating

AA

Description

Very strong

Effective

June 5, 2015

Rating Agency

Moody's

Rating

Aa3

Description

Excellent

Effective

June 5, 2015

Rating Agency

Standard & Poor's

Rating

AA-

Description

Very strong

Effective

September 10, 2018

Western-Southern Life Assurance Company Products

Fixed Indexed Annuities

Explore Western-Southern Life Assurance Company fixed indexed annuity products with current rates and features.

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Multi-Year Guaranteed Annuities

Compare Western-Southern Life Assurance Company MYGA products with guaranteed rates and terms.

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Immediate Annuities (SPIA)

View Western-Southern Life Assurance Company single premium immediate annuity options.

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Deferred Income Annuities (DIA)

Explore Western-Southern Life Assurance Company deferred income and QLAC products.

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Free Comparison Report

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See how Western-Southern Life Assurance Company's rates, ratings, and product features compare to other carriers — free PDF report.

Western-Southern Life Assurance Company Discussions

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Western-Southern Life Assurance Company Products

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