Products distributed by Insurance Profillment Solutions and issued by Western-Southern Life Assurance Company (WSLAC), Cincinnati, OH. WSLAC 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, vary by state. Income benefit individual decreasing term life insurance policy series ICC20 2006-4003-W WSA, ICC20 2006-4003-R WSA. Insurance Profillment Solutions is known as Gerber Life Agency, LLC in most states; name change pending in some states.