IncomeSense income benefit individual decreasing term life insurance policy series ICC20 2006-4003-W WSA, ICC20 2006-4003-R WSA distributed by Gerber Life Agency and issued by Western-Southern Life Assurance Company (Western & Southern Life), Cincinnati, OH, which operates in DC and all states except NY. Both are members of Western & Southern Financial Group. Issuer has sole financial responsibility for its products. Policy approval and actual rates will be based upon the underwriting process, including but not limited to, additional information provided on the application. Product and feature availability, as well as benefit provisions, may vary by state. In the State of California, Gerber Life Agency, LLC is known as and does business as Gerber Life Insurance Agency, LLC.