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The Profit Partnership Program presents a unique opportunity to:

  • Share in Ohio National’s mortality profits, a benefit not offered by most insurers.
  • Build long-term wealth with absolutely no market risk and to diversify your portfolio.

How It Works
Participants who meet certain production requirements* can defer all or a portion of their Renewal Enhancement Bonus/Overrides into the Program.

Ohio National then credits your account with an earnings share. The Program’s compound annual growth rate since inception has been over 13 percent.

Profit Partnership Benefits

  • Pre-tax deferrals limited only by the amount of your Renewal Enhancement Bonus potential.
  • Tax-deferred accumulation.
  • Annual earnings rate credited to your balance based primarily on mortality profits.
  • Diversification that is not subject to market risk.
  • No management fees, no transaction fees and no annual account fees.
  • 100 percent vested participant contributions and a graded vesting schedule for company credited earnings share.
  • No sacrifice to vested first-year or renewal commissions and/or overrides.
  • Payout over a 15-year period at retirement, as early as age 50.

Designed for the long term, this program can become a substantial wealth accumulation tool and an important part of your retirement portfolio.

Use the contact us link above to request a projection and a personal compensation illustration.

*Career agents must be highly compensated employees.


This provides a brief description of the Profit Partnership Program. Circumstances may arise in which the company determines changes to this Program are needed. For this reason, the company reserves the right to modify or discontinue the Program, in whole or in part, at any time. Any future modification or termination will not adversely affect the values earned or vested account balances as of such date.

This information is in summary form only. All compensation rights and benefits are subject to the full provisions of the Agent Contract and to the full provisions of each referenced benefit plan. That contract and the governing plan documents alone determine the Agent’s entitlement to any and all compensation and benefits.

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.