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Company Address:

One Financial Way, Cincinnati, Ohio 45242

Company Website:

www.ohionational.com

About:

Ohio National is committed to building long-term relationships with our
customers and providing them with financial solutions as their needs change over
time. Life changes. We’ll be there.®

Ohio National Financial Services, through its affiliated insurance
companies (The Ohio National Life Insurance Company and Ohio National Life
Assurance Corporation), markets a variety of insurance and financial products in
47 states (all except Alaska, Hawaii and New York), the District of Columbia and
Puerto Rico, with subsidiary operations in Santiago, Chile, including:

• Individual life insurance
• Individual disability income insurance
• Individual annuities
• Group annuities
• Broker-dealer services

History:

Ohio National Financial Services is the marketplace name for the affiliated companies of The Ohio National Life Insurance Company, headquartered in Cincinnati, Ohio. Originally founded as a stock company in 1909, Ohio National converted to mutual company status in 1959. In 1998, Ohio National reorganized as a mutual insurance holding company. The mutual insurance holding company is Ohio National Mutual Holdings, Inc.; the intermediate holding company is Ohio National Financial Services, Inc. In 2009, Ohio National marked its 100th anniversary.

2010 Financial Highlights:

• Total assets under management grew 11.8 percent, reaching almost $30 billion. Assets under management have grown at a 10-year compound annual growth rate of 12.3 percent.
• Equity capital (excluding SFAS 115) grew 6.3 percent to $1.6 billion.
• Core earnings grew to a record $194.7 million, a 44.2 percent increase from $135.0 million recorded in 2009. (Note: Core earnings are a key measure of how the company is achieving its goals.)

Company Ratings:

Doing some homework is always a good idea. Generally speaking, life insurance companies are in excellent financial health. All the same, you want to be sure you can rely on the company you choose. So even though insurance companies are required by law to maintain large reserves to guarantee they can meet their future obligations to their customers, it is always smart to do some homework before completing a purchase.

Check out a company’s ratings. The best way to check the financial health of a company is by looking at its “rating.” Several private companies conduct financial analyses of insurance companies and their reports can typically be accessed online, via the phone or by visiting your local library. Some will provide their ratings for free and others will charge a small fee. Keep in mind that not all agencies use the same ratings system. For instance, AAA is the top rating at Moody’s, but A++ is the best ranking at A.M. Best. So be careful when comparing information from different ratings agencies. Also remember that a company’s rating is just one of several factors to look at when considering a purchase. If you’re evaluating two policies and one is underwritten by a company with an A.M. Best rating of B+ (“good”) and the other is from a company with an A rating (“excellent”), don’t automatically assume you should buy from the higher-rated company. If the policy from the other company has more of the features you are looking for, it might be the better choice.

Does size matter? Yes and no. Most of the largest insurance companies have been in business for decades and some date all the way back to the mid-1840′s. When a company has been in business that long, you can be fairly certain that it understands the complexities of the insurance business, knows how to manage risk and grow assets, and has a history meeting long-term financial obligations. But that is not to say that you should not consider doing business with smaller companies. There are hundreds of small- to medium-sized insurance companies, and many have been around just as long (and meeting financial obligations just as long) as their larger counterparts.

Check for complaints against a company. Life insurance companies are regulated by state departments of insurance, which track complaints filed by consumers. Though the type and quality of complaint information will vary from state to state, it is another measure you may want to consider when choosing a company. To look up complaints against a particular company, visit the National Association of Insurance Commissioners’ searchable database .

Seek assistance from an insurance professional. Most people buy life insurance through agents or brokers, and for good reason: Determining how much and what kind of insurance to buy is one of the most important financial decisions you will ever make, but it is also one of the most complicated. A qualified insurance professional will conduct a thorough insurance needs analysis and provide you with policy recommendations that are based not just on knowledge of company ratings, but on personal dealings with the companies he or she is recommending.

The bottom line. The “right company” for you is the one that provides you with appropriate recommendations, products and prices, has a record of outstanding customer service, and the financial capacity to meet its financial obligations to you and your beneficiaries when they come due.

There are close to two thousand life insurance companies in the U.S., making choosing the right one quite a challenge. You are probably not sure what factors to consider when weighing your decision. Two of the most important things to consider are whether or not the company you are researching is licensed by your state, and finding a company that is willing to customize your coverage.

Everyone has a unique set of circumstances that can affect their coverage eligibility, so it is essential that you choose an insurance company that will customize your plan. For example, some insurance carriers will offer an occasional cigar smoker a non-smoker rate, while others will consider that same client to be a smoker and will quote the client a higher price. At LifeQuote, we do everything we can to get you the most comprehensive and affordable coverage possible.

Another important factor to consider is that many life insurance companies are bundled into groups, and therefore do not directly compete with one another. For these companies, it becomes more important to meet the regulatory requirements of each state, enabling them to offer life insurance through several different distribution channels. In addition, an insurance group may not have an individual company licensed in every state, so it is necessary to choose a life insurance company within your state. This is the only way you will be able to rely on your state’s insurance department for assistance should a problem with your policy arise. Furthermore, should the company you have chosen become insolvent, your state’s insurance guaranty can only help you if your policy is held with an insurance company that is licensed by the state. Contact your state’s insurance department to find out whether or not the insurance company you are considering is licensed by the state.

Always be sure to take the time to do your research. With LifeQuote, you can learn more about the insurance carriers we represent by reviewing their financial ratings on www.ambest.com, one of the top insurance rating services in the country. If you have any questions about LifeQuote’s unique processes, feel free to contact our offices or start a chat to connect with one of our knowledgeable representatives immediately. You can also send us an email or call our licensed agents at 1-800-521-7873.

Read more about choosing the right insurance company.