Cincinnati, Ohio

Policy Series 0701-3030 WSA0506-320, 0506-320-U0506-100, 0506-100-U

Rider Series9401-540, 9401-581-U, 9401-670, 9401-671, 0010-620, 0010-602, 0010-675

RINC 0805

Legacy Master® and annuities are issued by Western-Southern Life Assurance Company. Superior Value Life is issued by The Western and Southern Life Insurance Company. Economy Life is issued by The Western and Southern Life Insurance Company. WESTERN-SOUTHERN LIFE® Copyright May 2008.

Retirement Income Needs

1 of 12

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

2 of 12

FITTING THE FITTING THE PIECES PIECES

TOGETHERTOGETHER

2 of 12

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

3 of 12

LongevityLongevity InflationInflation UncertaintyUncertainty

Understand and reduce them

The Risks to Your The Risks to Your Retirement Retirement IncomeIncome

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

4 of 12

LongevityLongevity

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

5 of 12

InflationInflation

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

6 of 12

UncertaintyUncertainty

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

7 of 12

Retirement Income NeedsRetirement Income Needs

Reduce all three risksReduce all three risks

Not a deposit. Not FDIC-insured. Not insured by any federal government agency. Not guaranteed by Fort Washington Savings Company. May go down in value.

RiskRisk ApproachApproach

LongevityLongevity Guaranteed incomeGuaranteed income

InflationInflation Allow assets to growAllow assets to grow

UncertaintyUncertainty Reduce exposure to Reduce exposure to market risksmarket risks

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

8 of 12

Helps give you Helps give you ControlControl and offers Peace of Mind and offers Peace of Mind

Increases the amount of guaranteed income to Increases the amount of guaranteed income to you on an income tax-advantaged basisyou on an income tax-advantaged basis

Income is guaranteed for as long as you liveIncome is guaranteed for as long as you live

Income tax-deferred growthIncome tax-deferred growth

Guaranteed benefits to your survivors upon Guaranteed benefits to your survivors upon your deathyour death

Access to funds in the event of an emergencyAccess to funds in the event of an emergency

Benefits to YouBenefits to You

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

9 of 12

Holds the following ratings awarded by three Holds the following ratings awarded by three highly respected, independent insurance-rating highly respected, independent insurance-rating firms:firms:

Standard & Poor’s AA+Standard & Poor’s AA+ for Very Strong for Very Strong financial security characteristics (second highest of 21 financial security characteristics (second highest of 21 ratings; rating held since August 2005)ratings; rating held since August 2005)

A.M. Best A++ (Superior) A.M. Best A++ (Superior) for financial strength, for financial strength, operating performance, and market profile (highest of operating performance, and market profile (highest of 16 ratings; rating held since May 1991) 16 ratings; rating held since May 1991)

Fitch AA+ Fitch AA+ for Very Strong insurer financial strength for Very Strong insurer financial strength (second highest of 21 ratings; rating held since (second highest of 21 ratings; rating held since September 2002)September 2002)

Ratings are subject to change from time to time. The ratings shown herein are correct as of 01/02/08.

Western & Southern LifeWestern & Southern Life

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

10 of 12

Next Steps:Next Steps:

Step 1 Step 1 I gather your informationI gather your information Step 2 Step 2 I help you determine your needsI help you determine your needs Step 3 Step 3 I explore alternatives with you I explore alternatives with you

based on the information we based on the information we gatheredgathered

Step 4 Step 4 I recommend solutions to fit I recommend solutions to fit your your need need

Step 5 Step 5 I will review your plan annuallyI will review your plan annually

Western & Southern LifeWestern & Southern Life

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

11 of 12

Western & Southern LifeWestern & Southern Life

Let’s look at your assetsLet’s look at your assets

Step 3Step 3

Exploring alternativesExploring alternatives

based on the informationbased on the information

we gathered we gathered

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

12 of 12

RETIREMENTRETIREMENT

INCOMEINCOME

STRATEGIESSTRATEGIES

12 of 12