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Western & Southern Group

For over 40 years, Western Reserve Life has been helping Americans achieve their dreams of financial security. Today, they continue that tradition with the Freedom family of variable annuity and variable life insurance products. There are some fast facts about Western Reserve Life. It has a history of performance of over forty years. And they are highly rated in terms of financial strength and stability.
From their humble beginnings in Cleveland to their spectacular growth across the nation, Western Reserve Life has a wonderful history of people, products and performance. Whether you're saving for retirement or planning to care for your family's financial future, Western Reserve Life can help. They offer a breadth of products to meet your needs and help you achieve your financial goals.

The Company offers universal life insurance. Universal life insurance combines the benefits of permanent insurance with economical coverage. It pays an income tax free death benefit when the insured person dies.

The Company also offers variable annuities. Variable annuities are long term, tax deferred vehicles that offer investment and insurance features such as annuitization and death benefit options. Variable annuities are subject to market risk, including the possible loss of principal. Due to fluctuating market conditions at the time of surrender, the annuity value may be worth more or less than the total of all premiums.

With Western Reserve Life's variable annuity and variable universal life insurance products you can choose numerous combinations of their many investment options. The investment choices cover the investment spectrum, ranging from aggressive growth to capital preservation.

Western Reverse Life contracts with outside money managers as well as in house managers known as sub advisers, who manage their investment options. Each option offers a different objective, style and manager selected for expertise in a specific investment area. By forming alliances with some of the most respected money managers in the financial industry, it gives investors the freedom to choose among different asset categories and some of the finest portfolio managers available.

The Company focuses on delivering products and services, sales tools and resources with the financial security of their customers and the success of their independent distributors in mind. They believe this heartfelt commitment to their shared performance is what makes these mutually beneficial partnerships work.

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