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Life Stages
As our lives change over time, so do our financial needs, goals, and priorities. 
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Client Stories
For every policy, there is a person and a story behind it. Learn how Ohio National's products can benefit individuals and businesses.
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Women & Finances
Today’s women are impacting more communities, juggling more responsibilities, owning more businesses and making more life-changing decisions than ever before.
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Business owners planning tips.
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Insurance & Annuity Basics
Choosing the right financial products may seem overwhelming, but with a little research, understanding the basics is easier than you think. 
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Investment Options
Ohio National offers a diverse selection of portfolios and experienced portfolio managers available in our variable annuity, group variable annuity and variable universal life insurance products. 
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Investing Basics
Investing terminology can be daunting; review some basic terms to help get you started.  
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Not a deposit | Not FDIC insured | Not guaranteed by any bank | May lose value | Not insured by any government agency

For Variable Annuities:
Variable Annuity Issuer:
The Ohio National Life Insurance Company

Variable Annuity Distributor:
Ohio National Equities, Inc. Member FINRA

For Variable Universal Life:
Variable Universal Life Issuer:
Ohio National Life Assurance Corporation

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 cost that may apply.


To obtain current prospectuses, contact your financial professional or visit  ohionational.com/fundinfo. Please read the product and fund prospectuses carefully before you invest or send money. You 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.

 

For variable universal life insurance: Both the return and the principal value of the underlying portfolios will fluctuate, and the portfolios may be worth more of less than their original values when redeemed. If the performance of the portfolio options is less than anticipated, the death benefit may be reduced, the policy may lapse and/or the policyholder may be required to pay premium above the planned premium to keep the policy in force.

 

If tax-free loans are taken and the policy lapses, a taxable event may occur. Loans and withdrawals from life insurance policies that are classified as modified endowment contracts may be subject to tax at the time that the loan or withdrawal is taken and, if taken prior to age 59½, a 10% federal tax penalty may apply. Consult your financial professional before taking a withdrawal or loan. Withdrawals and loans may reduce the death benefit and cash surrender value. In the first 19 years, surrender charges apply to withdrawals over 10% of cash surrender value as of the prior policy anniversary. Certain policy loans may result in currently taxable income and tax penalties. If you are considering the use of policy loans as retirement income, you should consult your tax adviser regarding potential tax consequences that may arise if you do not make necessary payments to keep the policy from lapsing.


For variable annuities: 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.


Guarantees based upon the claims-paying ability of the issuer. 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. 


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.


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


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

 

The Ohio National Life Insurance Company and its affiliates have financial interests in the sale of the products detailed within this material. For registered representative use only. This material is for general use and is not intended to provide investment advice for any individual.



 
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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
513.794.6100