($ millions) ($ millions) - W&S Financial Group Distributors
Performance Comparison
For selected measures, the charts below show the combined performance of Western & Southern's seven life insurance companies as compared to that of the Top 25 U.S. life/health insurance groups ranked by A.M. Best. Western & Southern ranked 32 in statutory admitted assets as of December 31, 2018. Charts on the reverse side compare Western & Southern's performance for several measures with A.M. Best's top-rated life insurance groups.
($ millions)
Table 1: 2018 Adjusted Capital to Adjusted Liabilities Ratio 2017 Adjusted Capital to Adjusted Liabilities Ratio
Western & Southern vs. Top 25 U.S. Life/Health Groups based on 2018 Admitted Assets
Group Name
Talcott Resolution Group State Farm Life Group Thrivent Financial for Lutherans Group TIAA Group Western & Southern Financial Group Pacific Life Group Aegon USA Group AXA Financial Group Guardian Life Group
Ameriprise Financial Group #5 at 16.2% vs.
Northwestern Mutual GroupTop 25 Prudential of America Group Nationwide Mutual Life Group John Hancock Life Insurance Group Massachusetts Mutual Life Group Brighthouse Insurance Group New York Life Group Principal Financial Group Inc. Voya Financial Group Jackson National Group Lincoln Financial Group Metropolitan Life and Affiliated Cos Sammons Enterprises Group Allianz Life Insurance Group AIG Life & Retirement Group Athene Life Group
Top 25 Writers Total U.S. Life/Health Industry
Adjusted Capital1
3,962 13,303 10,517 43,438 5,967 10,656 10,333 8,261 8,112 3,382 26,731 20,052 7,424 11,204 19,023 7,349 24,814 6,375 5,117 5,581 8,774 20,501 6,441 7,343 11,965 2,447
Adjusted Capital1/ Adjusted Liabilities2
A.M. Best Rating
26.6%
A
21.0%
A++
19.6%
A++
18.9%
A++
16.2%
A+
15.0%
A+
14.8%
A+
14.1%
A+
13.9%
A++
12.4%
A+
12.4%
A++
11.9%
A+
11.8%
A+
11.6%
A+
11.5%
A++
11.4%
A
9.9%
A++
9.0%
A+
8.3%
A
8.2%
A+
7.9%
A+
7.9%
A+
7.5%
A+
6.5%
A+
6.5%
A
3.2%
A
11.2%
11.7%
($ millions)
Table 2:
2018 Adjusted Capital to Total Assets Ratio
Western & Southern vs. Top 25 U.S. Life/Health Groups based on 2018 Admitted Assets
Group Name
State Farm Life Group
TIAA Group
Western & Southern Financial Group
Thrivent Financial for Lutherans Group
Guardian Life Group
Northwestern Mutual Group
Pacific Life Group
New York Life Group
#3 at
12.5% vs.
Massachusetts Mutual Life GToropup25
Sammons Enterprises Group
Aegon USA Group
Allianz Life Insurance Group
Metropolitan Life and Affiliated Cos
John Hancock Life Insurance Group
Nationwide Mutual Life Group
AXA Financial Group
AIG Life & Retirement Group
Brighthouse Insurance Group
Voya Financial Group
Prudential of America Group
Principal Financial Group Inc.
Lincoln Financial Group
Talcott Resolution Group
Ameriprise Financial Group
Athene Life Group
Jackson National Group
Top 25 Writers
Total U.S. Life/Health Industry
Admitted Assets
78,026 316,053 47,631 94,071 75,542 272,266 135,579 324,971 254,872 99,242 201,204 145,153 409,621 247,572 170,430 194,729 283,717 179,295 138,557 577,911 185,010 255,811 117,926 104,155 83,773 236,989
Adjusted Capital1/
Total Assets
A.M. Best Rating
17.0% A++
13.7% A++
12.5% A+
11.2% A++
10.7% A++
9.8%
A++
7.9%
A+
7.6%
A++
7.5%
A++
6.5%
A+
5.1%
A+
5.1%
A+
5.0%
A+
4.5%
A+
4.4%
A+
4.2%
A+
4.2%
A
4.1%
A
3.7%
A
3.5%
A+
3.4%
A+
3.4%
A+
3.4%
A
3.2%
A+
2.9%
A
2.4%
A+
5.8%
6.6%
1 | 2
($ millions)
2018 Adjusted Capital to Adjusted Liabilities Ratio Table 3:
Top-Rated U.S. Life Groups
Group Name
State Farm Life Group
Thrivent Financial for Lutherans Group
TIAA Group
Western & Southern Financial Group
Guardian Life Group
Northwestern Mutual Group#4 at
USAA Life Group
16.2% vs.
Massachusetts Mutual LifteoGpr-roautped
Knights of Columbus life groups
New York Life Group
Adjusted Capital1
13,303 10,517 43,438 5,967 8,112 26,731 2,741 19,023 2,445 24,814
Adjusted Capital1/ Adjusted Liabilities2
21.0% 19.6% 18.9% 16.2%
13.9% 12.4% 11.7% 11.5% 10.6% 9.9%
A.M. Best Rating
A++ A++ A++ A+ A++ A++ A++ A++ A++ A++
($ millions)
2018 Adjusted Capital to Total Assets Ratio Table 4:
Top-Rated U.S. Life Groups
Group Name
Admitted Assets
Adjusted Capital1/
Total Assets
A.M. Best Rating
State Farm Life Group
78,026 17.0% A++
TIAA Group
316,053 13.7% A++
Western & Southern Financial Group 47,631 12.5% A+
Thrivent Financial for Lutherans Group 94,071 11.2% A++
Guardian Life Group
75,542 10.7% A++
USAA Life Group
#3 at
Northwestern Mutual Gr1o2up.5% vs.
Knights of Columbus top-rated
New York Life Group life groups
26,088 272,266 25,428 324,971
10.5% 9.8% 9.6% 7.6%
A++ A++ A++ A++
Massachusetts Mutual Life Group
254,872 7.5% A++
2018 Liquid Assets to Invested Assets Ratio Table 5: Top-Rated U.S. Life Groups
Group Name
USAA Life Group
Knights of Columbus
State Farm Life Group
Western & Southern Financial Group
Guardian Life Group
Thrivent Financial for Luthe rans #G4rouapt
TIAA Group
57.8% vs.
New York Life Group
top-rated
Northwestern Mutual Group life groups
Massachusetts Mutual Life Group
Liquid Assets3/ Invested Assets
67.8% 65.4% 65.1% 57.8%
57.8% 54.7% 52.2% 49.4% 45.5% 31.4%
A.M. Best Rating
A++ A++ A++ A+ A++ A++ A++ A++ A++ A++
Table 6:
2018 General Expense Comparison Top-Rated U.S. Life Groups
Group Name
Compound Annual
Growth Rate4
Knights of Columbus
State Farm Life Group
Guardian Life Group
Western & Southern Financial Group
New York Life Group
Northwestern Mutual Group#4 at Thrivent Financial for Luther4a.n3s %Grovusp.
Massachusetts Mutual LifetGopro-ruapted
USAA Life Group
life groups
TIAA Group
0.8% 1.3% 3.6% 4.3% 4.3% 5.4% 6.4% 7.1% 7.6% 10.6%
A.M. Best Rating
A++ A++ A++ A+ A++ A++ A++ A++ A++ A++
1 Adjusted Capital = capital & surplus + asset valuation reserve (AVR) 2 Adjusted Liabilities = general account liabilities less AVR 3 Liquid Assets = cash, bonds, preferred stock and common stock less privately placed bonds 4 Five-year compound annual growth rate for general expenses incurred
Source for all charts unless noted is A.M. Best Global Insurance Database as of May 13, 2019. A++ and A+ mean superior ability to meet ongoing insurance obligations (highest and second highest of 16 ratings); and A means excellent ability to meet ongoing insurance obligations (third highest of 16 ratings).
Ratings current as of May 1, 2019, and are subject to change. Ratings refer to the claims-paying ability of the insurance company and do not reflect the performance or safety of any investment product. Rating agencies are independent of each other and use proprietary evaluation criteria and rating scales.
Western & Southern Financial Group, Inc. Cincinnati, Ohio.
WS-10020 1905
2 | 2
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