Established in 1981, Western-Southern Life Assurance Company is a member of Western & Southern Financial Group. It issues universal life, term and annuity products to clients. Established in 1888, Western & Southern Financial Group, through its subsidiaries, provides interest-sensitive and term life insurance products, fixed/variable annuities, retirement planning and personalized needs analysis. It caters to individuals, families and businesses in the middle-income market. The company has received A+ Superior Rating from A.M. Best Company, a provider of news, credit ratings and financial data products and services for the insurance industry.