Life Insurance Protect the ones you love. The life that you've built for you and your family is important, so let us help you protect it. There is not just one type of life insurance, so we assess your goals and financial needs to chose the best for your family and specific situation. Our recommendations are based by what's the most affordable for you and what's most fitting. Term life The most affordable type of life insurance. This is typically used to cover a specific period of time ( i.e. children are going off to college, newlyweds, short-term debt). Whole life Whole life insurance is long-term. This policy usually builds cash value over time, which can help you cover unexpected expenses. Universal life Universal life is also long-term and permanent, but there is more flexibility with premiums and options to build cash value. Find out which life insurance is right for you. Contact us Ohio National 2019 Ratings Ohio National consistently receives high marks for financial security and claims-paying ability from major independent analysts. A+ Superior A.M. BestFor strong operating performance, favorable business profile and appropriate enterprise risk management (ERM)Second-highest on a 16-part scaleA3 Moody'sReflects a large block of whole life business, an aligned variable cost distribution and a consistent record of prudent underwriting that has contributed to a productive and growing life insurance businessSeventh-highest on a 21-point scaleA Standard & Poor'sReflects very strong capital and earningsSixth-highest on a 21-part scale Ohio National has received high marks for financial strength and claims paying ability from major rating agencies; however, such ratings do not refer to the performance of our variable accounts nor imply approval of our variable contracts or their portfolios. All ratings information is according to reports published on: www.standardandpoors.com, www.ambest.com/ratings and www.moodys.com/insurance. Ratings are accurate as of 5/3/19. For the most current ratings, see www.ohionational.com. Dividend scales are subject to change at the discretion of the Board of Directors. Protect the ones you love. Learn more The Value of Insuring Against Life’s Risks Building wealth requires protection from the forces of wealth destruction. Learn More Assess Your Life Insurance Needs This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely. Learn More Related content A Look at Whole Life Insurance Whole life insurance remains in force as long as you remain current with premiums. Here's how it works. Assess Life Insurance Needs How to help determine life insurance needs to provide for your family after you pass away. Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. Here's how it works. Have a Question Name Email Address Phone Question Thank you! Oops!