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PRIVACY POLICY

Download the Privacy Policy (PDF)

Download the Annual Privacy Notice (PDF)


WE RESPECT YOUR PRIVACY

This Privacy Policy is being provided by the Western & Southern Financial Group,
which includes the following member companies (collectively, "We", "Our" and
"Us"):

 * The Western and Southern Life Insurance Company
 * Western-Southern Life Assurance Company
 * Western & Southern Agency, Inc.
 * W&S Brokerage Services, Inc.1
 * W&S Financial Group Distributors, Inc.
 * W&S Wealth Solutions, Inc.
 * Columbus Life Insurance Company
 * Eagle Realty Group, LLC
 * Eagle Realty Capital Partners, LLC2
 * Fort Washington Capital Partners, Inc.
 * Fort Washington Investment Advisors, Inc.2
 * IFS Financial Services, Inc.
 * Gerber Life Agency, LLC
 * Integrity Life Insurance Company
 * The Lafayette Life Insurance Agency, Inc.
 * The Lafayette Life Insurance Company
 * National Integrity Life Insurance Company
 * Touchstone Advisors, Inc.2
 * Touchstone Securities, Inc.1




OUR PLEDGE TO OUR CONSUMERS

We place a high value on the confidence Our consumers place in Us. Today’s
technology allows information to be shared at light speed, and We share your
concerns about privacy. You have Our pledge that We will treat your personal
information with respect and confidentiality. Please take a moment to review Our
Privacy Policy and see how it protects you. By visiting any of Our websites, you
are accepting the practices described in this Privacy Policy.

 * We collect only the information We need to serve you and conduct Our business
   with you.
 * We are committed to keeping your information confidential, and We place
   strict limits and controls on the use and sharing of your information.
 * We make every effort to ensure the accuracy of information.
 * We train all of Our employees about the importance of protecting consumer
   information in regard to consumer respect, privacy, confidentiality, and
   security.
 * All of Our full-time, part-time and temporary employees, including leased
   employees, consultants and contractors (and their respective employees or
   subcontractors) and licensed captive and independent insurance agents must
   adhere to all privacy and confidentiality policies.
 * We practice and enforce procedural, physical, and electronic safeguards to
   protect consumer information.
 * We only retain information as long as We have a business, legal or regulatory
   need.
 * Third parties who need access to consumer information must have a privacy
   policy consistent with Our own. They may use the information only to provide
   the services We request of them, and may not use the information for any
   other purpose.
 * We do not sell consumer information.

The business purpose(s) for collecting your information may include any of the
following:

 * Bank Account or Payment Information
 * Data Analysis
 * Health Benefits
 * Expense Management
 * Fund Management
 * Insurance Products and Services (Actuarial Services, Underwriting)
 * Payroll
 * Real Estate Products and Services
 * Legal or Regulatory Reporting
 * Retirement Planning
 * Sales and Marketing
 * Investment Products and Services
 * Talent Acquisition and Development
 * Taxes

The categories of third parties with whom We may share or collect personal
information for legal, regulatory or business purposes may include:

 * Agents and Producers
 * Benefit Service Providers
 * Consulting Service Providers
 * Data Processing and Software Service Providers
 * Financial Institutions
 * Government Entities
 * Human Resource Service Providers
 * Insurance Service Providers
 * Investment Service Providers
 * Marketing Service Providers
 * Medical Information Providers
 * Reinsurers


INFORMATION WE COLLECT & WHERE WE COLLECT IT

We collect information which can include personal information. The material in
this section pertains to your information that We may have collected. We may
collect information in the following ways:

 * Information collected on applications for products or other forms, whether on
   this website, by mail correspondence or phone, or in conversation with any of
   Our representatives. We collect this information to service your accounts,
   and to provide information to you about Our products and services;
 * Information collected on applications for employment or selling agreements;
 * Information We receive from consumer reporting agencies;
 * Medical information that you provide or that is provided to Us. We may use
   this medical information for a product or service you’re interested in, to
   pay a claim, or to provide a service. We may share this information for these
   purposes if required or permitted by law. We do not use it for marketing
   purposes unless you give Us permission;
 * Financial information that you provide or that is provided to Us. We may use
   this information for a product or service that you are interested in, or to
   provide a service to you;
 * Information We collect through the use of cookies. Please read Our Cookie
   Policy for more details. We do not use Web Beacons to monitor your activity
   on Our site;
 *  Third party marketing organizations; and
 * Third party recruiting organizations.

Third parties and service providers may collect information about your online
activities over time and across different websites, including when you visit Our
website. These companies may place cookies on your computer. These third party
cookies help Us provide relevant marketing to you when you visit, or based on
your activity, on Our website or third party websites. Besides cookies, We may
also use tracking pixels or other analytic mechanisms to track your usage
patterns. For example, we may use software that records how long a user spends
on a page, how the user moves or clicks through the website, and how the user
interacts with forms. This information is collected by a third-party who
provides us with an aggregated report, but we also can play back individual
sessions on their site to see a customer’s real experience. Another third party
service We use is Google Analytics. To see how Google Analytics collects and
processes data, please visit www.google.com/policies/privacy/partners/.

In some situations, third parties and Our service providers may not have your
name, but information could be linked back or traced to you via specific device
and browser settings, a device number, or other identifier. By interacting with
our site, filling out a form, or using Our services, you consent to our
collection and sharing of your personal information with third parties and
service providers, as described in this policy. You can opt-out of sharing, or
exercise other rights, as described below under “Your Rights Regarding Your
Information.”

The information We collect from the sources listed above may include:

 * Name
 * Alias
 * Mailing address
 * E-mail address
 * Telephone number
 * Birth date/Age
 * Driver’s license/State I.D.
 * Passport number
 * Gender (may include gender identity/expression)
 * Sexual orientation
 * Race/Color
 * Account name
 * Social security number
 * Assets 
 * Income
 * Bank account information
 * Other financial information
 * Education information
 * Occupation
 * Marital status
 * Military or veteran status
 * Religion
 * National origin
 * Ancestry
 * Citizenship or immigration status
 * Joint owner
 * Beneficiaries
 * Contract/Policy number
 * Biometric information
 * Medical history/Condition/Health information
 * Other medical information
 * Health insurance information
 * Disability (mental and physical including HIV/AIDS, cancer, and genetic
   characteristics)
 * Professional or employment information
 * IP address (the number assigned to your computer when you use the Internet)
 * Geolocation data
 * Your domain name
 * Your browser and platform types
 * The time you accessed Our site
 * Your activity while on Our site


OUR DISCLOSURE POLICY

We do not disclose any personal information about Our consumers or former
consumers to anyone, except as permitted by law or as described in this Privacy
Policy. We limit Our collection and use of personal information to provide you
with services or administration of financial products by Us or third parties We
retain for this purpose; to tell you about products and services; or to evaluate
your financial needs. This may include advising you about products or services
and other opportunities We believe you would find of interest. To do this, it
may be necessary to share your information with Our licensed insurance agents or
representatives of Our affiliates. We require that the companies to which We
have disclosed information, including Our own affiliates and representatives,
strictly maintain the confidentiality of this information and abide by all
applicable laws, as well as adhere to a confidentiality agreement and/or Our
Privacy Policy. While we do not sell your information, within the last 12
months, We may have disclosed any of the above listed information for business
or marketing purposes to:

 * Companies within our corporate family
 * Third parties that perform marketing services on Our behalf
 * Other financial institutions with which We have joint marketing agreements
 * Third parties that you authorize Us to send your information
 * Regulatory bodies
 * Third parties with whom We have contractual vendor relationships

Access to your personal information is restricted to authorized employees who
need the information to administer your business. We may disclose your personal
information to perform necessary credit checks, to collect or report debts owed
to Us, and to protect Our rights or property. At this time, We do not respond to
browsers "do not track" signals or other mechanisms regarding the collection of
personal information about your online activities over time and across different
websites.

Sometimes it is necessary to also provide information about you to various
companies such as transfer agents, custodians, broker-dealers, and marketing
service firms to facilitate the servicing of your account. These organizations
have a legitimate business need to see some of your personal information in
order for Us to provide services to you. We may disclose to these various
companies the information that We collect as described above. We require that
these companies strictly maintain the confidentiality of this information and
abide by all applicable laws. We do not permit these associated companies to
sell the information for their own purposes, and We never sell Our consumer
information.


OUR COMMUNICATION PRACTICES

We take the security of your personal information very seriously. We provide
security features to help ensure you can access your information. Our
verification process provides an extra layer of information security designed to
keep your information safe. When you initiate contact with Us, we will verify
your identity or that of your authorized representative before sharing
information. We will ask you or your representative to verify information We
have on file or ask other questions to confirm that We are speaking to you or
your authorized representative.


PROTECTING CHILDREN'S PRIVACY

We recognize the importance of protecting children’s privacy. We do not sell
consumer personal information, including information on minors under 16 years of
age.


DESIGNATION OF AUTHORIZED REPRESENTATIVE

You may provide Us (or Our designee) with a written authorization for an
authorized representative to represent and act on your behalf and consent to a
request of information related to you to the authorized representative.


NOTIFICATION OF PRIVACY POLICY CHANGES

This Privacy Policy was last updated on November 13, 2023. The Privacy Policy
may be modified occasionally and We will post modifications on this website as
We implement them.


YOUR RIGHTS REGARDING YOUR INFORMATION

Subject to certain exemptions, you have certain rights regarding your
information that We and Our affiliates collect.

 * You have a right to access your personal information that is collected.
 * You have a right to request that We delete your personal information,
   pursuant to applicable law.
 * You have a right to correct inaccurate personal information.
 * You have a right to request information about how your information is shared
   and what it is used for.
 * You have a right to know with what third parties your information is shared.
 * You have a right to know what personal information is shared and with whom it
   is shared.
 * You have a right to opt out of the sharing of your personal information.
 * You have a right to opt out of Our marketing to you.
 * You have a right to receive a response within 45 days as of the due date of
   the request.
 * You have a right to file a statement if your request was refused.

To exercise any of these rights you can contact customer service or visit
https://www.westernsouthern.com/privacy-request.


NON-DISCRIMINATION

We will not discriminate against you or any other individual for the exercise of
privacy rights conferred under applicable law.


OPTING OUT OF INFORMATION SHARING

When you fill out forms on this website, including promotional offers,
sweepstakes, contests, or requests to be contacted, you are, by default,
allowing a representative of Us to contact you using the information you
provided as well as allowing Us to possibly disclose your information to the
companies listed above. Contact may also be in response to customer service
inquiries, to provide you with information or material you have requested or to
provide you with marketing or promotional offers. Contact may include telephone
solicitation and/or e-mail communications.

Federal and state laws give you the right to limit some but not all marketing
from Us as well as the information We share. Federal and state laws also require
Us to give you this notice to tell you about your choice to limit marketing from
Us as well as the information We share. You may limit Us and Our own
subsidiaries, such as Our insurance and securities affiliates, from marketing
their products or services to you based on your personal information that they
receive from Us or from sharing your information.

To limit the sharing of your information, contact Us at 866-590-1349.


PRIVACY WHILE ONLINE

We employ safeguards to keep your information private and secure while you are
online. Specific Internet practices include:

 * Use of Secure Sockets Layer (SSL) technology to encrypt transmitted data.
 * Maintaining firewall barriers and authentication procedures to prevent
   unauthorized access.
 * Use of Cookies.
 * Reviewing Our policies and practices to stay in accord with industry
   standards for privacy.
 * Testing the strength of Our security in order to maintain a secure website.

 * Monitoring Our computer networks.


ACCESSIBILITY STATEMENT

Western & Southern will provide information in the Privacy Policy in an
accessible format for those with a disability. To request this Privacy Policy in
an accessible format please call Us at 877-367-9734 or email Us at
www.westernsouthern.com/contact/send-us-an-email. Your request should include
your name, phone number, and the mailing address where we should send the
material. We may contact you for additional information.


AFFILIATES

Our affiliates include companies with the Western & Southern name; financial
companies such as The Western and Southern Life Insurance Company,
Western-Southern Life Assurance Company, Western & Southern Agency, Inc., W&S
Brokerage Services, Inc., W&S Wealth Solutions, Inc., Columbus Life Insurance
Company, The Lafayette Life Insurance Company, The Lafayette Life Insurance
Agency, Inc. Gerber Life Insurance Company, Gerber Life Agency, LLC, Integrity
Life Insurance Company, National Integrity Life Insurance Company, W&S Financial
Group Distributors, Inc., IFS Financial Services, Inc., Touchstone Securities,
Inc., Touchstone Advisors, Inc., Fort Washington Investment Advisors, Inc.,
Eagle Realty Capital Partners, LLC, Eagle Realty Group, LLC and Fabric
Technologies, Inc.


QUESTIONS

For questions regarding this Privacy Policy, call 800-926-1993.

IMPORTANT DISCLOSURES

1 A registered broker-dealer and member FINRA / SIPC.
2 A registered investment advisor.




Find a Columbus Life Independent Agent Near location zip
zip code
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Contact Us

800-677-9595

Send Us an Email

Find an Independent Agent

Columbus Life Insurance Company
400 Broadway
Cincinnati, OH 45202-3341

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Resources
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 * Universal Life Insurance
 * Annuities

Company
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 * History
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 * Careers
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A+

Superior

A.M. Best Company¹

AA-

Very Strong

Standard & Poor's²

AA

Very Strong

Fitch³

Aa3

Excellent

Moody's4

96

out of 100

Comdex Ranking5

A+

Superior

A.M. Best Company¹

AA-

Very Strong

Standard & Poor's²

AA

Very Strong

Fitch³

Aa3

Excellent

Moody's4

96

out of 100

Comdex Ranking5


 * Privacy Request
 * Privacy Policy
 * Accessibility Statement
 * Terms & Conditions

400 Broadway, Cincinnati, OH 45202-3341
800-677-9595

--------------------------------------------------------------------------------

© 2018-2024 Western & Southern Financial Group, Inc.

WS20171129160919 • Last Updated 12/22/2023

This site is intended to provide a general overview of our products and
services. Please review each product's Client Guide for full product details and
talk your financial representative about which options may best fit your needs.

Life insurance and annuity products are not bank products, are not a deposit,
are not insured by the FDIC, nor any other federal entity, have no bank
guarantee and may lose value.

Columbus Life Insurance Company (NAIC Code 99937), Cincinnati, Ohio, is licensed
in the District of Columbia and all states except New York.

1 Superior ability to meet ongoing insurance obligations (second highest of 13
ratings; rating held since June 2009) 
2 Very strong financial security characteristics (fourth highest of 21 ratings;
rating held since August 2018) 
3 Very strong capacity to meet policyholder and contract obligations on a timely
basis (third highest of 21 ratings; rating held since June 2009) 
4 Excellent financial security (fourth highest of 21 ratings; rating held since
February 2009)
5 The Comdex Ranking is a composite of all the ratings a company has received
from the major rating agencies. It ranks insurers on a scale of 1 to 100 (where
1 is the lowest) in an effort to reduce confusion over ratings because each
rating agency uses a different scale. 

Financial strength ratings apply to the individual member insurance companies
affiliated with Western & Southern. This may contain information obtained from
third-parties, including ratings from credit ratings agencies such as Standard &
Poor’s. Reproduction and distribution of third-party content in any form is
prohibited except with the prior written permission of the related third-party.
Third-party content providers do not guarantee the accuracy, completeness,
timeliness or availability of any information, including ratings, and are not
responsible for any errors or omissions (negligent or otherwise), regardless of
the cause, or for the results obtained from the use of such content. THIRD-PARTY
CONTENT PROVIDERS GIVE NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT
LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE OR USE. THIRD-PARTY CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY
DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR
CONSEQUENTIAL DAMAGES, COSTS, EXPENSES, LEGAL FEES OR LOSSES (INCLUDING LOST
INCOME OR PROFITS AND OPPORTUNITY COSTS OR LOSSES CAUSED BY NEGLIGENCE) IN
CONNECTION WITH ANY USE OF THEIR CONTENT, INCLUDING RATINGS. Credit ratings are
statements of opinions and are not statements of fact or recommendations to
purchase, hold or sell securities. They do not address the suitability of
securities or the suitability of securities for investment purposes, and should
not be relied on as investment advice. Ratings are subject to change from time
to time. The ratings shown here are correct as of January 2023.




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