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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.

As of December 2005, 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."

2005 Financial Highlights

  • $20.4 billion of total assets under management, up 7.9 percent from 2004
  • $1.20 billion in equity (excluding FAS 115), a 9.9 percent increase from 2004

 

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.


Companies we represent

 
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*Matrix Direct, Inc., Matrix Direct Insurance Services, Matrix Direct Insurance Agency, Inc., Ronald J. Harris or Ronald John Harris.

©2008 Matrix Direct Insurance Services. Life insurance services are available through Matrix Direct, Inc. Not available in some states, including but not limited to South Dakota. 04-2748

Ron Harris, Licensed Agent CA #0B57619. Auto, pet and health insurance services and information are provided by marketing associates of Matrix Direct, Inc. Marketing associates are responsible for the content of their websites and may have privacy policies which differ from those of Matrix Direct. Matrix Direct, Inc. is a wholly owned subsidiary of American General Life Insurance Company and an affiliate of The United States Life Insurance Company in the City of New York, both subsidiaries of American International Group, Inc.