In order to bring you the best possible user experience, this site uses Javascript. If you are seeing this message, it is likely that the Javascript option in your browser is disabled. For optimal viewing of this site, please ensure that Javascript is enabled for your browser.

Term Life

FlexTerm Series XI: The freedom to choose.
Affordable protection for today or flexible options for tomorrow.

Ohio National’s FlexTerm Series XI offers 10-, 15- and 20-year guaranteed level premium term life insurance policies with basic or expanded (“Plus”) conversion privileges. With access to eIllustration, eApp and policy eDelivery, doing business with Ohio National is quick and easy for you and your clients.

Term Plus

  • Competitive 10-15-20-year rates against carriers with similar expanded conversion privileges
  • Polices are convertible for the full level premium period or until the policy anniversary nearest the insured’s 70th birthday, whichever comes first.
  • Contractual conversion right to choose any available permanent life insurance product (Currently WL, IUL and UL)
  • Conversion credit equal to one annual term base insurance premium

Term Basic

  • Lower, highly competitive 10-15-20-year policy rates across all classes
  • Limited conversion to a policy as designated by Ohio National (currently, Virtus Basic II universal life)

Recap Term

Recap Term is a 10-year guaranteed rate policy designed for clients who plan to convert to a permanent policy. All premiums paid during first five years become conversion credits toward the premium of any available Ohio National permanent policy (subject to limitations).

Optional Riders:

  • Waiver of Premium for Total Disability (WPD) Rider (5-year Own Occupation)
  • Guaranteed Purchase Option (GPO) Rider (Term Plus only)
  • Accidental Death Benefit (ADB) Rider
  • Accelerated Benefit Rider (ABR) (Terminal Illness)
  • Family Term Rider (Term Plus only)

YRT Plus II 

YRT Plus II is a yearly renewable term life insurance policy with fully guaranteed premium rates that increase on an annual basis. It is designed for clients who need temporary protection and the option to renew for up to 10 years.


Life insurance is issued by The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation. Guarantees are based on the claims-paying ability of the issuer. Loans and withdrawals may reduce the death benefit, cash surrender value and any living benefit amount.

Products, product features, and rider availability vary by state. Issuer not licensed to conduct business in NY.