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The Western and Southern Life Insurance Company provides traditional whole life and critical illness insurance. The company offers term, universal life, accident, and critical illness insurance; flexible-premium deferred variable, flexible-premium deferred, single-premium deferred, single-premium immediate, tax-qualified, and non-tax qualified annuities; mutual funds; and retirement plans. It serves individuals, families, and businesses in the middle-income market through its field offices and a call center. The Western and Southern Life Insurance Company has strategic partnerships with Western-Southern Life Assurance Company and W&S Brokerage Services, Inc. The company was founded in 1888 and is based in Cincinnati, Ohio with additional offices in the United States. The Western and Southern Life Insurance Company operates as a subsidiary of Western & Southern Financial Group, Inc.