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Life Insurance 101
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 Insurance and Annuity Basics
Protect your financial future against life's unexpected events. Talk to an Ohio National representative to see which life insurance and disability income insurance product can meet your needs.

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Choosing the right financial products may seem overwhelming, but with a little research, understanding the basics is easier than you think. 

Life Insurance 101 Which type of insurance is best for you...term, whole life, or variable universal life insurance?  The answer depends.  As we move through our lives and careers, our insurance needs change over time.  Learn more »

Variable Annuities 101
A variable annuity is long-term instrument in which an insurer agrees to make periodic payments to you, either immediately or when you retire.  Variable annuities enable you to direct your purchase payments to investment portfolios that suit your risk tolerance level. Learn more »

Fixed Annuities 101
A fixed annuity contract is a long term instrument that provides a guaranteed minimum interest rate on your purchase payment(s) for a certain period of time. Learn more »

Disability Income Insurance 101 
Approximately 90% of disabilities are caused by illness rather than accidents*. Disability income insurance provides you with replacement income if you're unable to work due to an illness or injury. Learn more »

Employer-Sponsored Retirement Plans 101
An employer-sponsored retirement plan can help your firm attract and retain quality workers while helping your employees prepare for their retirement years. Learn more »


*Council of Disability Awareness, Long-term Disability Claims Review, 2010

Insurance products issued by The Ohio National Life Insurance Company and 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. Issuers not licensed to conduct business in NY. Clients should consult their financial professional on all tax matters.

Not a deposit | Not FDIC insured | Not guaranteed by any bank | May lose value | Not insured by any government agency

Variable Annuity Issuer: The Ohio National Life Insurance Company
Registered Product Distributor: Ohio National Equities, Inc., Member FINRA

Variable annuities are sold by prospectuses, which contain more complete information including fees, surrender charges (contingent deferred sales charges) and other costs that may apply.

To obtain current prospectuses, contact your financial professional or visit Please read the product and fund prospectuses carefully before you invest or send money. Investors should consider the investment objectives, strategies, risk factors, charges and expenses of the underlying variable portfolios carefully before investing. The fund prospectus contains this and other information about the underlying variable portfolios.

Early withdrawals or surrenders may be subject to surrender charges. Withdrawals are also subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. For tax purposes only, withdrawals will come first from any gain in the contract. Federal and state tax laws in this area are complex and subject to change. Consult your personal tax adviser on all tax matters. Withdrawals may reduce the death benefit, cash surrender value and any living benefit amount.

There is no additional tax-deferral benefit for contracts purchased in an IRA or other tax-qualified plan because these are already afforded tax-deferred status. An annuity should only be purchased in an IRA or qualified plan if you value some of the other features of the annuity and are willing to incur any additional costs associated with the annuity.

Variable annuities are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. Upon retirement, variable annuities may pay out an income stream of a series of payments or a lump sum. If you die during the accumulation or payout phase, your beneficiary may be eligible to receive any remaining contract value.

Guarantees are based upon the claims-paying ability of The Ohio National Life Insurance Company. Guarantees do not apply to the investment performance or account value of the underlying variable portfolios. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. 

Product, product features and rider availability vary by state. Issuer not licensed to conduct business in NY.

This material is for general use with the public and is not intended to provide investment advice for any individual.

The Ohio National Life Insurance Company and its affiliates have financial interests in the sale of the product detailed within this material.

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©2017 Ohio National Financial Services, Inc.
Product Issuers: The Ohio National Life Insurance Company
and Ohio National Life Assurance Corporation
Registered Products Distributed by: Ohio National Equities, Inc.
Member FINRA
One Financial Way | Cincinnati, Ohio 45242