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The Ohio National Advantage
Ohio National is a dynamic 99-year-old company with 18 consecutive years of individual life insurance sales growth - unparalleled in the industry. Discover our affordable, comprehensive products including term, WL, UL, VUL, annuities, DI, pensions, retirement plans, full-service broker/dealer for the financial security protection and accumulation needs of consumers.
Ohio National's products are sold by a traditional distribution system (PPGA and Career), institutional sales and independent broker/dealers in 47 states (all except Alaska, Hawaii and New York), the District of Columbia and Puerto Rico with subsidiary operations in Santiago, Chile.
Find out more about our total package including:
Our company history, unwavering financial integrity and excellent ratings demonstrate our exceptional performance throughout the years. Look to Ohio National to provide you with the critical elements you need to grow your business.
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Ohio National: Solid Financial Strength and Integrity
Now, more than ever, consumers are looking for security, confidence and information. It is important for you to know this: No matter how volatile the financial markets may be, you can continue to place the highest confidence in Ohio National Financial Services.
Ohio National is pleased to share the following information with you:
2007 Financial Highlights
(as of 12/31/07)
- Total equity capital (excluding SFAS 115): $1.4 billion, representing a 10-year Compound Annual Growth Rate (CAGR) of 10.2 percent
- Total assets under management: $24.7 billion, an increase of 9.4 percent over 2006
- Total statutory revenues (including premiums and deposits received from policyholders and investment income): $3.9 billion, up 27.8 from 2006
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Ratings
- “A+ (Superior)” from A.M. Best for balance sheet strength, operating performance and business profile, its second-highest ranking of 16 categories
- “AA” (Very Strong) from Standard & Poor’s for financial security characteristics, its third-highest ranking on a 21-part scale
- “A1” from Moody’s for insurance financial strength, its fifth-highest ranking on a 21-part scale
Industry Positioning
- 8th among PPGA organizations (LIMRA)
- 20th among Career Builder organizations (LIMRA)
- 32nd largest individual life insurance provider in terms of total company sales of periodic premium (according to reports from LIMRA)
- 16th of U.S. companies in the number of representatives earning MDRT membership (MDRT, 2006)
- 20th largest provider of variable annuity products in the United States as of year-end 2007 (Morningstar Annuity Research)
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Ohio National's long and distinguished product history brings you distinct advantages to help you build your business. Our value-priced products can help drive your sales and your total compensation. Products ... they’re the #1 reason top producers join us and the #1 reason they stay.
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Term Life Insurance
- Among the lowest 10-, 15- and 20-year premiums in the industry
- Limited or expanded conversion options; “Plus” products convert to all available permanent products including #1 UL*
- Quick and easy online applications
- Check out our low term rates!
Whole Life Insurance
- 5 distinct products – one of the strongest portfolios available
- Non-direct recognition – dividends not reduced by loans
- 84 consecutive years of dividends
Universal Life Insurance
- Low-premium product ranked #1 in third party survey for over four years*
- Competitive DBG UL with coverage to age 121 and beyond
Variable Annuities
- Powerful living and death benefit riders
- Single and flexible premiums
- Over 60 portfolio options
- Asset allocation models at no extra cost
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Plus...
- VUL
- Survivor UL and VUL
- Group retirement plans
- Disability income insurance
- Fixed annuities
- Fully insured defined benefit pension
ONESCO Full-Service Broker/Dealer
Among the top “up and comer” broker/dealers (Financial Planning, June 2005)
- Nonproprietary products
- Over 7,000 mutual funds
- 529 college savings plans
- Competitive brokerage platform
- Direct participation programs
- Unit investment trusts
- Managed account programs
18 consecutive years of individual life insurance sales growth - a record unmatched in the industry!
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Not all products are available in all distribution channels.
* Virtus Value ranked first for minimum premium to endow and/or carry based on Blease Research Universal Life Product Survey, as published in Full Disclosure 4.1 UL Survey, Volume 1, 2008.
Looking for independence and choices? Then take a look at Ohio National’s powerful contracts, strong support and outstanding benefits package. (Please note that contract and benefit provisions may vary by distribution channel.)
Representatives affiliated with our PPGA and Career sales channels have discovered Ohio National as a company with the opportunity you want and that keeps your needs in mind. Ohio National offers:
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Powerful Contract
- Very competitive commission potential
- Competitive trail commission options
- Liberal vesting
- Persistency and production “bonuses”
- No “haircut” on proprietary variable life and annuities1
- All proprietary products drive 1st-year compensation2
- Accommodates individuals and corporations
- Subsidized medical plan2
- Awards programs for production and referrals
The “Profit Partnership” Program*
Share in the company’s mortality profits and potentially build up to $1 million and beyond for retirement. Returns have averaged 17 percent over the life of the program – since 1995.
- Voluntary enrollment based on production requirements
- No initial out-of-pocket investment
- Tax-deferred account accumulation
- No sacrifice to first-year or renewal commission
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Strong Support
- Orientation Support Team: targeted training for GAs during first 90 days
- FASTeam: product sales support, new business, contract status and computer support (toll-free number)
- STARTeam: frontline effort for servicing the business needs of registered representatives of ONESCO
- Advanced Sales: attorneys and CPAs offering tax and legal assistance on business and estate planning cases
- Illustration Software: considered one of the best in the market – and it’s free
- Underwriting: consistent practices and direct access
- Marketing: needs-selling kits, client brochures, sales ideas and more
- Big Case Team: Advanced Sales, Underwriting and Marketing stand ready to help you place your big cases
- Monthly e-ProCalls: webcasts on products and sales ideas
- SALES BYTES: multimedia sales solutions and software training in 10 minutes or less
- Seminars: to help you maximize your contract, particularly at the PGA Orientation Seminar
- Producer Web site: highly ranked in the industry
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1 For representatives registered with our affiliated full-service broker/dealer, The O.N. Equity Sales Company (ONESCO).
2 Eligibility depends on production level. Percentages vary depending upon level of production.
For information regarding Securities Brokerages, Independent Broker Dealer and Banks, call 1.888.744.7355.
Life insurance and annuity products are issued by The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation. Securities are distributed by Ohio National Equities, Inc., Member FINRA/SIPC. Product, product features and rider availability vary by state. Issuers not licensed to conduct business and products not distributed in AK, HI and NY. For Representative Use Only. Not For Use With The General Public.
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