Products- Join Ohio National - joinohionational.com

A product for every season

Ohio National has a long history of designing efficient, low-cost products that deliver exceptional policyholder value. They can help you solve a wide range of protection and planning challenges for your clients, addressing the needs of individuals and businesses.
Life insurance
Disability insurance
Annuities

Life insurance

INDEXED UNIVERSAL LIFE

Virtus IUL II keeps expenses low, offering clients protection and potential

  • Low cost product keeps expenses down for strong upside potential and downside protection
  • Diverse Index Accounts and competitive Fixed Account
  • Multiple loan options for additional flexibility

WHOLE LIFE

Prestige Whole Life products are designed to provide unparalleled protection and flexibility

  • Efficient product design helps keep costs down and more of each client’s assets working to meet their goals
  • Non-direct recognition dividend scale means policy loans won’t reduce the dividend an eligible policyholder receives
  • Protector Plus Rider allows term blending for additional policy design flexibility and greater cash value accumulation potential

TERM LIFE

FlexTerm Series offers product and conversion options

  • Term Plus clients can convert to any permanent life product available at the time of conversion, offering substantial flexibility for future needs
  • Recap Term product lets clients recapture term insurance premium payments once their budget allows for permanent coverage
  • Competitive 10-, 15- and 20-year rates

UNIVERSAL LIFE

Built to provide affordable protection in a low interest rate environment

  • Flexible, low-expense design
  • Fits client buying for lifetime affordable death benefit

Disability income insurance

INDIVIDUALS

Feature-rich and affordably priced, it's our most competitive DI insurance product to date

  • Industry-leading flexibility, rates and definitions in many medical and non-medical classes
  • Life + DI discount for comprehensive financial plans

BUSINESSES

Employer-sponsored distribution that uses Ohio National

  • Discounts and Guaranteed Standard Issue (GSI) available with multi-life DI
  • GSI plans boast simpler underwriting process
  • Business Overhead Expense coverage helps with business continuity

Annuities

ANNUITIES

Built to meet biggest retirement challenges

  • ONdex fixed indexed annuities offer protection from market losses and index-based growth opportunities for higher return potential than CDs, treasuries and other fixed investment options, particularly in low interest rate environment
  • ONdex Annuity investment options offer additional protection from market volatility and opportunities to capture more market-based growth than traditional index options
  • Secure single premium immediate annuity provides income immediately when clients need it most
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