Legacy Forward II

If you have assets intended for gifting to others, look to Legacy Forward® II. Legacy Forward II is a single premium universal life insurance policy that instantly leverages a single payment (minimum $10,000) into a larger, income tax-free death benefit. You must qualify for coverage with a simple application and a few health questions. Policy decisions are delivered in just 5 minutes with electronic underwriting. You maintain control of your assets with the ability to take partial surrenders or loans from your policy should you need emergency funds. Other benefits, such as return of premium guarantee, and access to your assets for hospital stays, chronic and terminal illness conditions are also included. Available to ages 18-80. Policy and benefit provisions vary in some states.

Issuer(s): Western-Southern Life Assurance Company | National Integrity Life Insurance Company

Legacy Forward II:

Policies underwritten by Western-Southern Life Assurance Company, Cincinnati, OH, or National Integrity Life Insurance Company, Greenwich, NY. Western & Southern Life operates in DC and all states except AK, ME, NH, NY and RI. National Integrity operates in ME, NH, NY and RI. W&S Financial Group Distributors, Inc. is an affiliated agency of the issuer. Issuer has sole financial responsibility for its products. All are members of Western & Southern Financial Group.

Legacy Forward II product and feature availability varies by state. Policy series ICC12 1301-3030 WSA, 1301-3030 WSA, ICC12 1301-3030 NIL and 1301-3030 NIL NY and rider series ICC12 1301-305 WSA, 1301-305 WSA, ICC12 1301-305 NIL, 1301-305 NIL NY, ICC12 1301-2626 WSA, 1301-2626 WSA, ICC12 1301-2626 NIL, ICC10 1010-2622 WSA, 1010-2622 WSA, ICC11 1010-2622 NIL and 1010-2622 NIL NY.

Policy and premium charges will be deducted as described in the policy. This policy is a Modified Endowment Contract (MEC) for tax purposes. Distributions are taxable to the extent that there is gain in the contract. A 10% penalty applies for distributions prior to age 59½ with certain exceptions. Western & Southern Financial Group member companies, and their agents, do not offer tax advice. For specific tax information, contact your attorney or tax advisor.

W&S Financial Group Distributors is an affiliated agency of the issuer. Issuer has sole responsibility for its products. Products may not be available in all states. For complete coverage information and product availability, contact your financial representative.

NOTE: Product availability may vary by distribution channel and state availability. Please consult your financial professional for the products they represent.

No bank guarantee.

Not a deposit.

May lose value.

Not FDIC/NCUA insured.

Not insured by any federal government agency.

Updated 08.03.17

CF-60-0000-1512