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Ohio National consistently receives high marks for financial security and claims-paying ability from major independent analysts.

  • Standard & Poor's: "A+" (December 2016) fifth-highest rating on a 21-part scale
  • A.M. Best: “A+ Superior” (August 2016) second-highest rating on a 16-part scale
  • Moody's: "A1" (October 2016) fifth-highest on a 21-point scale

In its overview, S&P noted "the rating reflects the company’s “very strong” capital and earnings, financial risk profile, competitive position and business risk profile." The S&P report also noted that the outlook is stable, “reflecting our expectation that ONFS will maintain ‘AA’ capital adequacy and continue to demonstrate a consistent track record of life insurance sales growth.”

In its analysis, A.M. Best Company noted the rating affirmation reflected favorably upon Ohio National’s expanding business profile, continued positive trends of individual life insurance sales and overall middle-market position within the individual life and variable annuity market. The report also recognizes the company’s stable adjusted Generally Accepted Accounting Principles (GAAP) operating results, expansion into retirement services and strong front-end risk management practices embedded in newer variable annuity product designs.

Moody's noted the company's "strong capital position … well managed variable cost distribution … and stable block of inforce life insurance." Also noted was the "conservative investment portfolio with minimal exposure to higher risk classes such as equities, alternative investments and commercial mortgage-backed securities." The report noted that the company's "investment portfolio is expected to perform well relative to peer companies in terms of its impact on capitalization."

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.

All ratings information is according to reports published on:, and For the most current ratings, see

Please note: The Best's Rating Report(s) reproduced on this site appear under
license from A.M. Best and do not constitute, either expressly or implied,
an endorsement of (Licensee)'s products or services. A.M. Best is not
responsible for transcription errors made in presenting Best's Rating
Reports. Best’s Rating Reports are copyright © A.M. Best Company and may
not be reproduced or distributed without the express written permission of
A.M. Best Company. Visitors to this web site are authorized to print a
single copy of the Best’s Rating Report(s) displayed here for their own
personal use. Any other printing, copying or distribution is strictly

Best's Ratings are under continuous review and subject to change
and/or affirmation. To confirm the current rating, please visit the A.M.
Best web site,


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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