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Ohio National is committed to building long-term relationships with our customers and providing them with financial solutions as their needs change over time. Life changes. We'll be there.®

Corporate Address
Ohio National Financial Services
One Financial Way
Cincinnati, OH  45242
Phone: 513.794.6100
Toll-free Phone: 800.FON.ONLI (800.366.6654)

Comprehensive Product Portfolio
Ohio National Financial Services, through its affiliated insurance companies (The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation), markets a variety of insurance and financial products in 49 states (all except New York), the District of Columbia and Puerto Rico, with subsidiary operations in Santiago, Chile, including:

  • Individual life insurance
  • Individual disability income insurance
  • Individual annuities
  • Group annuities
  • Broker/dealer services

Company Background
Ohio National Financial Services is the marketplace name for the affiliated companies of The Ohio National Life Insurance Company, headquartered in Cincinnati, Ohio. Originally founded as a stock company in 1909, Ohio National converted to mutual company status in 1959. In 1998, Ohio National reorganized as a mutual insurance holding company. The mutual insurance holding company is Ohio National Mutual Holdings, Inc.; the intermediate holding company is Ohio National Financial Services, Inc. Ohio National celebrated a century of service to its policyholders in 2009. To view Ohio National's historic timeline (1909-2009), click the "Organization" link in the left navigation, and then click "Timeline."

Principal Subsidiaries

  • The Ohio National Life Insurance Company (ONLIC), a wholly owned stock subsidiary
  • Ohio National Life Assurance Corporation (ONLAC), a wholly owned stock subsidiary of ONLIC
  • Ohio National Equities, Inc., a wholesale broker/dealer
  • The O.N. Equity Sales Company, a retail broker/dealer
  • Ohio National Investments, Inc., investment adviser to Ohio National Fund, Inc.

2016 Financial Highlights

  • Total GAAP revenue (excluding realized gains and losses) increased 6.2 percent to $2.0 billion.
  • GAAP equity grew at record levels. Equity (excluding mark-to-market) grew to $2.3 billion, an increase of 14.4 percent. Equity (including mark-to-market) grew to $2.5 billion, a 16.6 percent increase.
  • Core earnings were $176.7 million. The planned decrease from 2015 represented strategic investments in business and corporate technology assets.
  • For the 93rd consecutive year, Ohio National paid dividends to participating whole life policies. A total of $80.6 million was paid or credited to participating policyholders.

2015 Sales Highlights

  • For the 27th consecutive year, Ohio National has increased its enterprise individual life insurance sales. This is a record unmatched in the industry. In total, a record-breaking $187.7 million of new annual sales were reported for individual life insurance, up 20.2 percent from 2015.
  • Disability income insurance sales in 2016 exceeded 2015’s totals. New annual sales equaled $2.7 million, with sales of its most competitive disability income product to date, ContinuON Income Solutions II®, expected to continue to boost this line in 2017.
  • Total annuity sales were $1.5 billion, down from 2015 and reflecting weakness in variable annuity sales across the industry. Sales of the new ONdex fixed indexed annuity exceeded expectations in the 4th quarter.
  • Retirement plans growth was 16.6 percent ahead of 2015 at $165.9 million.
  • The O.N. Equity Sales Co., the company’s retail broker/dealer subsidiary, saw gross broker/dealer concessions at $41.0 million.


  • 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

Chairman, President and CEO
Gary T. "Doc" Huffman, CLU, ChFC

Headquarter Associates
1,300+ corporate headquarter associates

Distribution Channels

  • General Agencies
  • Producing General Agents
  • Brokerage Associates
  • Banks

(Product, product features and rider availability vary by state and distribution channels.)

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

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.

Internet Access Agreement
State certificates of authority

©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