Never sends yearly coupon book in time to make a timely first payment. As I do every year for the past few years, I called to find out where it was. Waited on hold for over 20 minutes. Customer service rep said coupon book not sent out until 2/3 and would take up to 10 business days to arrive, despite payment being due 2/13. I asked if we could move the date up. The rep said she couldn't and could not move it up in future years due to system constraints. I asked if I could speak to a supervisor. She told me someone would call me back. Never heard from anyone. I am not sure what their angle is - forcing late payment - but reporting to state department of insurance. If W&S is this scheming or incompetent how bad will it be for my beneficiaries when they make a claim? read more

Worked there for 4 years. Regretted every one, starting on the first day. I was forced to come into the office when everyone else was at home for covid. On the 3rd day, my boss came in to introduce himself. He was the first person I met on the 27th floor. Three days. Employee surveys agree everyone hates wearing suits and ties. They hate working downtown. The top tier says "We hear you. We just don't care." Everything remains the same. WS owns several empty office buildings downtown. They force employees to work downtown just to keep up their occupancy levels. They use those numbers to try to sell empty buildings. On top of this, half the company is at or above retirement age. Half. Would you want to start at a company, downtown, that had a dresses, suites and ties dress code? No one else does either. Every day, employees retire. Most departments are already understaffed, so they reture without being able to pass on their institutional knowledge to anyone. WS is sailing onward, using a map from the 1950s. The Titanic sailed onward for a while too. read more

Western & Southern Life Insurance Company 400 Broadway St. Cincinnati, Oh. This review is a span and counting till maturity. I purchased a 7 Yr. S&W Fixed Annuity though 5/3 bank along with 2 other different annuities. This S&W product turn out to be misleading an ambiguous. 5/3 data shows "Fixed Annuity", but S&W list it as a Fixed Multi-rate Annuity. It actually is a variable interest rate annuity which innuendos changes in a bad way. It changes from 5% to 1.75 in 7 Yrs, the Global Atlantic both 3- and 5-years fixed not change, the annuities outperformed S&W by 35% read more

My dad had ins . On all of us. He passed away and checks was sent quick. They sent my brother's to. I called and explained and they said they would fix it. They put dad's on my brother account and retracted dad's checks from funeral home. I wrote the check and tried several times to get it fixed. I finally say forget it.i paid mine for a year and set up mail and email bill notice. Year later I get a paper stopping mine. I called and try to pay another year. They made me fill out reinstatement paper and send check through the mail. I called about 5 or six times to pay. They made me answer lot of questions and wouldn't let me pay saying they would contact me. So I got a letter 2 weeks from my last call saying my reinstatement is in the mail due to my lack of payment. I called and tried to pay a year again. They said I'd have to send another check and start the process again . I now have to get a different insurance because I cashed out. I truly believe they wanted me to. My dad start that insurance when I was a kid and now I'm 51 years old. They are the worst to use. Linza LeGrand read more

We had some questions about an old life insurance policy we have. We first contacted our local W&S agency. They were no help at all. All they wanted to do is sell us more insurance. We then contacted the home office in Cincinnati. We talked to Cheryl. She was wonderful. She answered all our questions and told us about several options we didn't know we had. She is mailing us the forms we need to make the changes. Bottom line: Local office - 1 star, Home office - 5 stars. read more

While being polite, they were not helpful in facilitating filing a claim on a policy. It was not specific information as much as what was needed since the family was not award of the existance of this policy (a very small policy) and did not know how to handle filing a claim, although the company indicated a claim had been initiated and paperwork had been sent (to whom?). I was told to get a court order if I wanted more information. I understand privacy and this is not a contested claim of any sort and I hope it stays that way. read more

This company is the worst. They don't process automatic or check payments on time. They will hold annuity payouts hostage. They only look out for themselves. read more

Would give them a -10 stars if i could. Stay away between my mother and her parents, they have been with this company for over 40 years. My mother passed away from cancer and we cant have her a funeral because they will not release her money to my father which is her beneficiary. Its been a week and they say they cant help us that they cant release her money because she owns the policy. Well that is why you have beneficiaries jack asses so the persons family can bury their loved ones. Instead they are keeping us in agony! read more

I have had nothing but a positive experience when dealing with Western & Southern! I have my entire family's life insurance policies thru them. Anytime I need to speak with someone, they are always prompt and professional. If I did not understand something within my policies, they made it easy to understand. I highly recommend them to anyone looking for financial services from life insurance to investments and financial planning. read more