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WSLife.com Earns The Customer Respect Group's
No. 1 Ranking in the Life Insurance Industry

In its Third Quarter 2008 Online Customer Respect Study of Life Insurance Industry Web Sites, The Customer Respect Group ranked WSLife.com No. 1 in the life insurance industry and No. 3 overall of all sites reviewed. With its Customer Respect Index (CRI) score of 7.7 on the 10-point scale, Western & Southern Life becomes the first life insurance company to be awarded an "Excellent Rating" and outpaces Nationwide and Metropolitan Life, the next highest ranking sites, each with a score of 6.7. WSLife.com was a consistent performer across all five CRI sub-indexes (Content, Navigation, Search, Trust, and Dialog), never ranking below second place in the life insurance industry. In general, the life insurance industry scored 5.9 on the 10-point scale, compared to a Cross-Industry Benchmark of 6.4.

Terry Golesworthy, President of The Customer Respect Group, acknowledged WSLife.com’s accomplishment by saying, "Western & Southern Life is the only life insurance Web site ever to receive the Excellent Rating for online customer respect. The evaluations cover a broad range of tests and look at multiple aspects of the treatment of the online user. The Web site was found to be comprehensive, intuitive, innovative, and highly respectful of the online user; of particular note is the variety of options the site provides for online users to ask specific questions, making the experience an interactive dialog as opposed to a monologue. A Web site is a very good indicator of how a company treats customers and prospects, and the Western & Southern Life Web site is excellent."

The Customer Respect Group is an international research and consulting firm that focuses on how corporations treat and respect their online customers. The CRI – which is comprised of five sub-indexes, 60 visitor benefit statements, and 250 objectively measured criteria – is designed to identify best practices, online trends, common practices, and developments within the corporate Web environment. The Customer Respect Group reviews more than 600 Web sites each year to aggregate perhaps the largest database of activity and practices across many different industries. The results of these studies are collected and integrated to create the Cross-Industry Benchmark.

WSLife.com Achieves No. 12 Ranking by DALBAR
For the second quarter of 2008, DALBAR ranked WSLife.com No. 12 among the top 25 Web-based technology firms within the insurance, annuity, and mutual funds industry.

DALBAR develops standards for, and provides research, ratings, and rankings of intangible factors to the mutual fund, broker/dealer, discount brokerage, life insurance, and banking industries.

A.M. Best Co. Affirms Western & Southern's A++ Rating
A.M.Best has again affirmed our A++ (Superior) rating—its highest rating—for all Western & Southern life insurance companies, including The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Columbus Life Insurance Company, Integrity Life Insurance Company, National Integrity Life Insurance Company and The Lafayette Life Insurance Company.

According to A.M. Best, the rating reflects Western & Southern’s superior risk-adjusted capitalization, conservative operating profile, diverse product portfolio and distribution, and consistent pre-tax operating earnings growth. Additionally, this rating recognizes the strong regional presence we have built, particularly in the upper Midwest.

In addition to affirmation of our A++ rating, the A.M. Best Company recently featured The Western and Southern Life Insurance Company in its publication, Best’s Review, as one of only 15 life or health insurance companies in the country to maintain an A.M. Best rating of A or higher for at least 75 years. Of these 15, only four — including Western & Southern Life — have a current A++ rating.


The Western and Southern Life Insurance Company Named One of Ward's 50 Top-Performing Insurance Companies
The Western and Southern Life Insurance Company was named one of Ward Group's 50 Top-Performing Insurance Companies in the life-health category. This is our 16th time receiving this recognition in the 18 years Ward has conducted their analysis.

Ward Group is an operational consulting firm and leading provider of insurance industry benchmarking and best practices services. For performance rankings, Ward's 50 Top life-health insurance companies produced a 17.5 percent return on average equity from 2003 to 2007, compared to 13.1 percent for the industry overall. Specifically, our financial results were outstanding in the areas of safety, consistency, and performance.

Western & Southern Makes the Fortune 500 List Again
For the fifth consecutive year, Western & Southern Financial Group® (Western & Southern) is among the top 500 companies in the United States in 2008. The latest Fortune 500 listing by Fortune magazine places Western & Southern at No. 480, with $4.81 billion in revenue for 2007.

Capital Analysts, Inc., Continues to Rank Among Top 50 Broker-Dealers by Investment News
The Independent Broker/Dealer Survey in Investment News listed Capital Analysts, Inc. (CAI), in the Top 50 broker-dealers in three categories. CAI was No. 45 among advisors producing over $100,000. They ranked at No. 18 for fee revenue and No. 36 for gross revenue, based on year-end 2007 figures.



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     Updated 10/8/2008