Products only available in Ohio and Florida. MultiRate is a single premium fixed deferred annuity issued and guaranteed by Western-Southern Life Assurance Company (Western & Southern Life), Cincinnati, Ohio, a member of Western & Southern Financial Group. Western & Southern Life operates in DC and all states except AK, ME, NH, NY and RI. 1Western & Southern Life guarantees that the cash surrender value is always at least 100% of premiums paid, adjusted for any distributions. 2Up to 10% of the contract value may be withdrawn each contract year (non-cumulative; $250 minimum) without incurring a surrender charge. Surrender charge schedule, if applicable, is 7% of the contract value in years 1-3, 6% in year 4, 5% in year 5, 4% in year 6, 3% in year 7 and 0% thereafter. Rates shown for the 5-year rate option. Rates shown are subject to change. Western & Southern Life guarantees, as specified in the contract, a minimum interest rate of 1.75% for the life of the contract. Product and feature availability, as well as benefit provisions, vary by state. Withdrawals made prior to age 59 1/2 may result in an IRS penalty. Western & Southern Life and its agents do not offer tax or legal advice. Contact your financial professional for product details and limitations. For use with contract series 1107-5590-I WSA and 0407-5590-I WSA.
Insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Cetera is not affiliated with the financial institution where investment services are offered or Western-Southern Life Assurance Company. Insurance products are: *Not FDIC insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.
For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice.
Not Bank Guaranteed, Not FDIC Insured, May Lose Value, Not a Bank Deposit, Not Insured by Any Government Agency