Legacy Master

Life insurance is a tax-efficient method for transferring assets to your loved ones or a favorite charity. With Legacy Master®, a single premium whole life insurance policy, you can turn a single payment into an instantly larger, income tax-free death benefit that bypasses the delays of probate. Legacy Master is a fully-underwritten policy that requires approval of an application and provided health information. Available for ages 0-85, Legacy Master has a low minimum premium of only $5,000.

Issuer(s): Western-Southern Life Assurance Company

Legacy Master:

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 is an affiliated agency of the issuer. Issuer has sole financial responsibility for its products. All are members of Western & Southern Financial Group.

Legacy Master policy series 0701-3030 WSA; in ID, series 0701-3030 WSA ID, and rider series 1208-2624 WSA, 0010-2620 WSA, 1208-2625 WSA and 0807-2621 WSA.

We will not pay any benefits if the insured dies as a result of suicide within two years from the policy date (one year in CO and ND). If the policy is in force at the time, we will return the single premium paid less (1) any indebtedness and (2) any partial surrender amounts. In Missouri: We will not pay any benefits if the insured dies by suicide within two years from the policy date and if we can show that the insured intended suicide when he or she applied for the policy. If the policy is in force at that time, we will return the single premium paid

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 10.9.15

CF-60-0000-1512