THE THE

WWESTERNESTERN ANDAND SSOUTHERN OUTHERN

LLIFE IFE IINSURANCE NSURANCE CCOMPANYOMPANY

Making a Difference in Life

Cincinnati, OH

MM 019 0803XNC

Copyright 2008

The Western and Southern Life The Western and Southern Life Insurance CompanyInsurance Company

Protection you can trust since 1888

Licensed in 43 states and the Licensed in 43 states and the District of Columbia with 182 local District of Columbia with 182 local offices offices

Member of the Western & Southern Member of the Western & Southern Financial GroupFinancial Group®, a Fortune 500 , a Fortune 500 companycompany

Western & Southern Financial GroupWestern & Southern Financial Group®®

Holds Standard & Poor’s AA+ rating Holds Standard & Poor’s AA+ rating for Very Strong financial security for Very Strong financial security characteristicscharacteristics

In excess of $47 billion in assets In excess of $47 billion in assets owned and under managementowned and under management

Over $57 billion of life insurance in Over $57 billion of life insurance in force serving over 2.5 million clientsforce serving over 2.5 million clients

Standard & Poor’s AA+ rating for Very Strong financial security characteristics (second highest of 21 ratings; rating held since August 2005)

NOTE: The ratings published in this document are subject to change. These ratings are determined by independent insurance rating firms. For the latest rating information on Western & Southern Life and its strategic business units, please call 1-800-926-1993.

The Western and Southern Life Insurance CompanyThe Western and Southern Life Insurance Company

Western-Southern Life Assurance CompanyWestern-Southern Life Assurance Company

W&S Brokerage Services, Inc.**W&S Brokerage Services, Inc.**

Fort Washington Savings Company***Fort Washington Savings Company***

Columbus Life Insurance CompanyColumbus Life Insurance Company

Capital Analysts Incorporated**Capital Analysts Incorporated**

Lafayette Life Insurance CompanyLafayette Life Insurance Company

Eagle Realty Group, LLC.Eagle Realty Group, LLC.

Todd Investment Advisors, Inc.**Todd Investment Advisors, Inc.**

IFS Financial Services, Inc.IFS Financial Services, Inc.

W&S Financial Group Distributors, Inc.W&S Financial Group Distributors, Inc.

Touchstone Securities, Inc.*Touchstone Securities, Inc.*

Touchstone Advisors, Inc.Touchstone Advisors, Inc.

Integrated Fund Services, Inc.Integrated Fund Services, Inc.

Integrity Life Insurance CompanyIntegrity Life Insurance Company

National Integrity Life Insurance CompanyNational Integrity Life Insurance Company

Western & Southern Financial GroupWestern & Southern Financial Group®®

***FDIC insuredSaving products offered in North Carolina and Ohio through Fort Washington Savings Company, a subsidiary of Western & Southern Financial Group.

* Member FINRA/SIPC

** Registered Investment Advisor

Securities, insurance and annuity products are not FDIC insured, are not guaranteed by Fort Washington Savings Company and are subject to investment risk, including possible loss of principal.

Making a Difference in Life Through:Making a Difference in Life Through:

Providing Financial SecurityFor People Like You

Life InsuranceLife Insurance

Health Insurance & Accident Health Insurance & Accident PlansPlans

Retirement & Financial NeedsRetirement & Financial Needs

Western & Southern Financial GroupWestern & Southern Financial Group®®

Through...Through...

We Believe in…We Believe in…

Earning your trustEarning your trust

Focusing on your needsFocusing on your needs

Providing quality, personalized planning Providing quality, personalized planning

Delivering a superior customer Delivering a superior customer experienceexperience

Anywhere, Any Way, and Any TimeAnywhere, Any Way, and Any Time

Who Am I?Who Am I?

What are my qualifications?What are my qualifications?

What is my commitment to youWhat is my commitment to you??

I Can Help You…I Can Help You… Protect family incomeProtect family income

Provide for final expensesProvide for final expenses

Protect your mortgageProtect your mortgage

Fund college educationFund college education

Provide & protect your retirement assetsProvide & protect your retirement assets

Provide wealth transfer optionsProvide wealth transfer options

Protect against the financial implications of a Protect against the financial implications of a critical illnesscritical illness

Provide income if you become disabled**Provide income if you become disabled**•**Disability income products offered through companies not affiliated with The Western and Southern Life Insurance Company.

The Importance of Earning PowerThe Importance of Earning Power

You have the ability to earn a You have the ability to earn a fortune in your lifetimefortune in your lifetime

The keys to your success: The keys to your success:

IncomeIncome

SavingsSavings

ProtectionProtection