Universal Life- Join Ohio National - joinohionational.com

Built to last universal life insurance

Don’t overlook the benefits of universal life products

About our universal life products

Few insurance professionals use fixed rate universal life insurance for cash accumulation today due to the low interest environment. However, the policy can still work well as a low cost death benefit policy with flexibility. Our V-Pro UL II is built for low lifetime premium payments on a specified death benefit. It's attractive long-term cost of insurance (COI) structure can make it an excellent protection policy for your clients.

Virtus Basic II is the permanent conversion product for Ohio National’s “basic” term life insurance products. It is an ideal fit when there is a need for higher early cash value or small face amounts ($25,000 minimum issue).


Universal life insurance

Product details

  • V-Pro UL II highlights
    • No-lapse guarantee of up to 20 years
    • A 75 basis points persistency bonus starting in policy year 11
    • Low fees and expenses help the product perform well in different environments
  • V-Pro UL II optional riders
    • Guaranteed Purchase Option (GPO) Rider
    • Preferred Loan Rider ("Wash" Loan)
    • Waiver of Premium for Total Disability (WPD) rider (5-year Own Occupation)
    • Children's Term Rider
    • Additional Insured Term Life Insurance Rider
    • Lifetime Advantage Rider (Accelerated Death Benefit)
  • Virtus Basic optional riders
    • Waiver of Premium for Total Disability (WPD) Rider (5-year Own Occupation)
    • Lifetime Advantage Rider (Accelerated Death Benefit)
Universal life insurance products are issued by 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. Company not licensed to conduct business in New York.

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