Companies we represent
The Ohio National Life Insurance Company - Cincinnati, OH
We know you're looking for a reliable company offering one of the most affordable
term life insurance policies available to protect you and your family. When
you choose one of Ohio National's term life insurance products, you're getting
high-quality life
insurance at a very affordable price.
When you choose an Ohio National term life insurance policy,
you're assured of:
Fully guaranteed level premiums for 10, 15 or 20 years. Your
premiums
are guaranteed to remain the same during the time indicated in your policy.
Competitive premiums. Ohio National offers competitive rates
across the board. Be sure to check out the
rates for females and younger ages.
Guaranteed death benefit. Your death benefit will remain
the same during the term of your policy regardless of your health or age (up
to age 99), as long as you pay the required premiums when due.
Six competitive rating classifications. Ohio National offers
four rating classes
for nonsmokers. Typically, more than 25 percent of healthy
nonrated, nonsmoker applicants should qualify for and benefit from its best
rating class — Super Preferred Nonsmoker — featuring the company's
lowest rates available. Ohio National has two classifications with competitive
rates for smokers, too.
Conversion privileges. Ohio National's term life insurance
policies are convertible for the entire level premium period up to age 70 with
two conversion options: "expanded" (offered with Plus products) and
"basic."¹ No medical exam or agent visit is required to make the switch.
Simply fill out a brief request form and pay the premium for the new policy.
Ohio National's Recap Term product has a level guaranteed premium for 10 years.
If you convert during the first five years, a cumulative conversion credit is
available.
Re-entry with current and guaranteed renewal rates for those who may
not qualify. After the initial level premium period of 10, 15 or 20
years expires, you may apply to requalify for a new level, competitive premium
for any period available at that time, subject to insurability. For those who
cannot requalify, the policy offers yearly renewable rates to age 99.
Option to renew to age 99. As long as you pay your premiums
when due, you can continue to renew your term life insurance, regardless of
your health or age (up to age 99). No additional medical exam will be required;
however, your premiums will increase annually after 10, 15 or 20 years at then
current rates.
Ohio National is committed to building long-term relationships with our customers
and providing them with financial solutions as their needs change over time.
Life changes. We'll be there.®
Comprehensive Product Portfolio
Ohio National Financial Services, through its affiliated insurance companies
(The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation),
markets a variety of insurance and financial products in 47 states (all except
Alaska, Hawaii and New York), the District of Columbia and Puerto Rico, and
through subsidiary operations in Santiago, Chile.
Ohio National is rated A+ (Superior) by A.M. Best Company,
its second-highest ranking of 16 categories (based on the company's balance
sheet strength, operating performance and business profile). The report noted
the company's "strong organic sales growth, diversified distribution, effective
asset/liability matching, improving operating returns and solid investment performance."
Product, product features and rider availability vary by
state.
Term life insurance issued by Ohio National Life Assurance
Corporation. Guarantees are based upon the claims-paying ability of the issuer.
Product, product features and rider availability vary by state. Company not
licensed to conduct business and products not distributed in Alaska, Hawaii
or New York.
¹ Expanded option – conversion to any permanent
Ohio National universal, variable universal or whole life insurance product
available. Basic option – conversion to only one specified Ohio National
policy.
