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 Life Insurance

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As a leading provider of life insurance, Ohio National is known, not only for offering excellent policyholder value, but also for its wide variety of life insurance products. With such a large portfolio of products, you're sure to find one that meets your needs.

With an Ohio National life insurance policy, you can:

  • Provide financially for your loved ones in the event of an untimely death.
  • Build cash value that can be used during your lifetime for any purpose that you choose such as starting a business or sending the kids to college (whole life, universal life and variable universal life insurance only).
  • Relax knowing you own a policy from a reputable company with strong financials and excellent industry ratings.

Find out which product may be right for you:

Term Life Insurance »

Whole Life Insurance »

Universal Life Insurance »

Variable Universal Life Insurance »

 

 



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

 

Insurance and annuity products issued by 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, OH 45242, 513.794.6100.

 

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

 

Contact your registered representative or visit www.ohionational.com/fundinfo to obtain current prospectuses. 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.

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. It is possible that coverage will expire when either no premiums are paid following the initial premium, or if subsequent premiums are insufficient to continue coverage. The plolicyholder should consult with his/her representative on setting a planned premium that is appropriate for your needs. 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 representative before taking a withdrawal or loan. Loans and withdrawals may reduce the death benefit and cash surrender value. Until policy year 20, surrender charges apply to withdrawals (partial surrenders) 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 are 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. Past performance is not a guarantee of future results.

 

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 if the owner values some of the other features of the contract or policy and is 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 and products not distributed in AK, HI and NY.

Variable life insurance issued by Ohio National Life Assurance Corporation and distributed by Ohio National Equities, Inc., Member FINRA, One Financial Way, Cincinnati, OH 45242, 513.794.6100. Issuer not licensed and products not distributed in AK, HI or NY.

Product, product features and rider availability vary by state.

Variable life insurance is sold by prospectuses, which contain more complete information including fees, surrender charges and other costs that may apply.

Contact your registered representative or visit www.ohionational.com/fundinfo to obtain current prospectuses. 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.

Both the return and the principal value of the underlying portfolios will fluctuate, and the portfolios may be worth more or 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 percent federal tax penalty may apply. Withdrawals and loans reduce the death benefit and cash surrender value. Past performance is no guarantee of future results.


 
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©2014 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