Janel Rice - Registered Representative-Western & Southern Life

06/11/2026

Thinking about retirement already? You should be.

Starting early isn’t just smart, it’s powerful. Time lets compound interest do the heavy lifting, it could help you maximize tax advantages, and gives you flexibility down the road. Plus, relying on Social Security alone likely won’t cut it.

The takeaway: small steps now could mean bigger freedom later.

Your future self will thank you.

https://www.westernsouthern.com/wslife/learn/financial-education/reasons-to-start-preparing-for-retirement-now?utm_source=facebook&utm_medium=Hearsay&utm_content=3239050&utm_campaign=775121

06/10/2026

Western & Southern Financial Group received the second highest score among annuity providers in the J.D. Power 2025 U.S. Individual Annuity Study, which measures customer satisfaction with annuity providers.

Access the full article: https://www.westernsouthern.com/about/newsroom/2026-01-western-southern-jd-power-2025-us-individual-annuity-study?utm_source=facebook&utm_medium=Hearsay&utm_content=3232060&utm_campaign=775121

Visit jdpower.com/awards for more details.

06/08/2026

How much should you really save for retirement each month?

The rule of thumb is ~15% of your income—but let’s be real, that’s not always doable.

Here’s the takeaway:

Start where you can. Stay consistent. Increase over time if possible. Because even small monthly savings can grow big later.

Progress > perfection.

What’s one small step you could take this month to get closer to your retirement goal?

https://www.westernsouthern.com/wslife/learn/financial-education/how-much-should-i-save-for-retirement-each-month?utm_source=facebook&utm_medium=Hearsay&utm_content=3232063&utm_campaign=775121

06/04/2026

Annuities are financial products designed to help turn savings into a stream of income in retirement.

Depending on the type—fixed, variable, or indexed—they can offer different ways to grow money and help provide income options.

While features and costs vary, annuities are often considered by individuals seeking predictability in retirement planning.

Understanding how they work can help you decide if they align with your long-term financial goals.

Explore the basics of annuities at the link below.

Discover how annuities work to secure steady income in retirement. This easy-to-read guide gives you the answers you need. Start planning today!

05/29/2026

Caps off to you, Class of 2026! Graduation is more than a milestone; it’s the start of what’s next. Celebrate how far you’ve come and get ready to put your skills to work. The future is wide open.

05/26/2026

A safety net doesn’t prevent falls; it helps soften them.

Life insurance death benefits exist to help provide financial support when your loved ones need it most. It can help cover everyday expenses, long-term obligations, and future goals during life’s most difficult moments.

It’s not about fear, it’s about care. Not about predicting the future but preparing for it.
Having a plan in place is one of the most thoughtful decisions you can make for the people who depend on you.

https://www.westernsouthern.com/life-insurance/do-i-need-life-insurance?utm_source=facebook&utm_medium=Hearsay&utm_content=3212005&utm_campaign=775121

05/21/2026

Term life insurance offers simple, affordable coverage for a set period-10, 20 or 30 years that can help protect your family if you pass away during the term.

With fixed premiums and flexible term lengths, it covers your key financial responsibilities, like a mortgage or education, without the complexity or cost of permanent policies.

Many plans let you renew or convert to permanent coverage later if your needs change.

It’s a smart, budget-friendly way to help secure your family’s financial future.

https://www.westernsouthern.com/wslife/products/life-insurance/term-life-insurance?utm_source=facebook&utm_medium=Hearsay&utm_content=2980349&utm_campaign=775121

05/18/2026

Your lifestyle is built on one critical asset: your income.

From housing and groceries to school activities and future goals, income is what keeps life moving forward. If that income were suddenly gone, how long could your family maintain the same quality of life?

Lifestyle protection isn’t about luxury, it’s about stability. It’s about:

🟦 Keeping routines intact
🟦 Covering essentials without added stress
🟦 Allowing loved ones time to adjust and heal

Read more: https://www.westernsouthern.com/wslife/learn/financial-education/why-life-insurance-is-important?utm_source=facebook&utm_medium=Hearsay&utm_content=3192214&utm_campaign=775121

05/15/2026

Looking for more than a job? A career as a financial representative offers flexibility, purpose, and long-term growth. Help empower families, strengthen communities, and shape your own success. Take the next step toward a career that fits your ambitions.

Pursue your path with The Western and Southern Life Insurance Company.

https://www.westernsouthern.com/wslife/careers/field-careers?utm_source=facebook&utm_medium=Hearsay&utm_content=3190142&utm_campaign=775121

05/11/2026

**D is for Debt.**

If something unexpected happened to you, what bills would your family inherit?

Credit cards, auto loans, medical expenses, and personal debt don’t disappear without action, and they can quickly become a burden during an already difficult time. Life insurance death benefit helps ensure your loved ones aren’t left paying for yesterday’s obligations.

Help protect their future today.

https://www.westernsouthern.com/wslife/learn/financial-education/do-i-need-life-insurance