Ohio National Whole Life Insurance Real Reviews

If you’re in the market for whole life insurance, you’ve probably come across Ohio National Financial Services. But what do real customers have to say about their experience with Ohio National’s whole life insurance policies?

Ohio National has been providing life insurance solutions for over 100 years and offers a wide range of policy options, including whole life insurance. With their long history in the industry, they have built a reputation for reliability and financial stability.

But before you make a decision, it’s important to hear from those who have first-hand experience with Ohio National whole life insurance. In this article, we will dive into real reviews from customers to give you an honest and unbiased perspective on their offerings.

Key Takeaways:

  • Ohio National Financial Services has been paying dividends on participating whole life insurance policies for over 90 years.
  • The company has a strong overall rating of 3.7 and very few customer complaints.
  • Ohio National offers a wide range of life insurance policies, including whole life insurance.
  • They have received high ratings from third-party rating agencies and are rated A (Excellent) by AM Best.
  • Ohio National has a low complaint index and a strong financial strength rating.

Pros and Cons of Ohio National Life Insurance

When considering Ohio National Life Insurance, it’s important to weigh the pros and cons before making a decision. Here are some key factors to consider:


  1. Very Few Customer Complaints: Ohio National has a track record of providing reliable service and has received minimal customer complaints, indicating their commitment to customer satisfaction.
  2. Wide Range of Life Insurance Options: Ohio National offers a variety of life insurance policies, catering to the diverse needs and preferences of individuals and families.
  3. Participating Whole Life Policies: Participating whole life insurance policies from Ohio National offer the added benefit of dividends. Policyholders can receive payments based on the company’s financial performance.


  1. Medical Exam Requirement: Ohio National requires applicants to undergo a medical exam as part of the underwriting process. This may be a drawback for individuals who prefer a simplified underwriting process or have medical concerns.
  2. Agent Involvement: To apply for Ohio National life insurance coverage, individuals need to work with an agent. While this can offer personalized guidance and expertise, it may not suit those who prefer a self-service approach.

Considering these pros and cons will help you make an informed decision about Ohio National Life Insurance. Remember, it’s essential to assess your specific needs and priorities when selecting a life insurance provider.

Complaint Index and Third-Party Ratings

When considering a life insurance company, it is essential to assess their reputation and track record. Ohio National has garnered positive reviews and ratings from both customers and third-party rating agencies, making it a reliable choice for policyholders.

Ohio National boasts a very low complaint index, indicating a high level of customer satisfaction. This metric reflects the number of complaints filed against the company compared to their market share. The fact that Ohio National has a low complaint index is a testament to their commitment to excellent customer service and their ability to meet policyholders’ expectations.

In addition to customer satisfaction, third-party rating agencies have also recognized the financial strength and stability of Ohio National. The company has been rated A (Excellent) by AM Best, one of the leading rating agencies in the insurance industry. This rating reflects Ohio National’s ability to fulfill their financial obligations and their overall financial soundness.

These positive ratings from reputable third-party agencies should give potential policyholders confidence in Ohio National’s ability to provide reliable and secure life insurance coverage.

Ohio national life insurance reviews

When considering life insurance, it’s important to assess your current financial situation, future goals, and family needs. Evaluating the different types of life insurance policies can help you make an informed decision that aligns with your priorities.

Policy Type Description
Term Life Insurance Provides coverage for a specific period of time.
Whole Life Insurance Offers lifelong coverage with cash value accumulation.
Indexed Universal Life Insurance Combines death benefit protection with potential cash value growth tied to market performance.
Universal Life Insurance Offers flexibility in premium payments and death benefit coverage.
Variable Universal Life Insurance Provides death benefit protection and investment options for potential growth.

Available Riders for Ohio National Life Insurance

Ohio National offers a range of riders that can enhance your life insurance coverage and provide additional benefits to meet your specific needs. These riders can add extra flexibility and protection to your policy.

Guaranteed Purchase Option Rider

The Guaranteed Purchase Option rider allows you to purchase additional life insurance coverage at specific periods in the future without the need for a medical exam or evidence of insurability. This rider ensures that you have the option to increase your coverage as your financial situation and needs change.

Children’s Term Rider

The Children’s Term Rider provides coverage for your children, offering financial protection in case of a tragic event. This rider typically offers a level term insurance policy on the lives of your dependent children, providing peace of mind knowing they are protected.

Additional Insured Term Rider

The Additional Insured Term Rider allows you to extend coverage to another individual, such as a spouse or business partner, under your life insurance policy. This rider ensures that both you and the additional insured have the necessary protection in the event of a loss.

Waiver of Premium Rider

The Waiver of Premium Rider waives your life insurance premium payments if you become totally disabled and unable to work for a specified period. This rider provides financial relief during challenging times, allowing you to maintain your life insurance coverage without the burden of premium payments.

Accidental Death Benefit Rider

The Accidental Death Benefit Rider provides an additional benefit if your death is caused by an accident. This rider can help provide financial security for your loved ones in the event of an unexpected tragedy.

Accelerated Benefit Rider

The Accelerated Benefit Rider allows you to receive a portion of your life insurance benefit if you are diagnosed with a terminal illness or a specified serious medical condition. This rider can help alleviate financial stress during a difficult time and provide funds for medical expenses or other needs.

Rider Description
Guaranteed Purchase Option Rider Allows the purchase of additional coverage in the future without a medical exam
Children’s Term Rider Provides coverage for dependent children
Additional Insured Term Rider Extends coverage to another individual
Waiver of Premium Rider Waives premium payments in case of total disability
Accidental Death Benefit Rider Provides additional benefit in case of accidental death
Accelerated Benefit Rider Offers a portion of the life insurance benefit in case of terminal illness or specified medical condition

Ohio National Life Insurance Available Riders

Ohio National’s strong company background and positive ratings make it a reliable choice for individuals seeking life insurance coverage. The company’s long-standing presence in the industry, along with its financial stability and commitment to excellent customer service, are key factors that contribute to its positive reputation.


When it comes to choosing a reliable whole life insurance provider, Ohio National is a top contender. With their wide range of life insurance options, including whole life insurance, they have garnered positive customer reviews and built a solid reputation in the industry.

One of the key factors that sets Ohio National apart is their strong financial standing. With over 90 years of paying dividends on participating whole life insurance policies, they have proven to be a stable and trustworthy company. This financial strength is further supported by their high ratings from reputable third-party rating agencies, including an A (Excellent) rating from AM Best.

Not only does Ohio National excel in providing life insurance coverage, but they also offer additional services such as disability insurance and retirement plans. This makes them a comprehensive insurance partner, addressing the diverse needs of individuals and families.

For those seeking reliable whole life insurance coverage, Ohio National should be seriously considered. Their reputation, range of policy options, and positive customer reviews make them a standout choice in the market.


What types of life insurance does Ohio National offer?

Ohio National offers a wide range of life insurance policies, including term life insurance, whole life insurance, indexed universal life insurance, universal life insurance, and variable universal life insurance.

What riders are available for Ohio National life insurance policies?

Ohio National offers various riders for their life insurance policies, including a guaranteed purchase option, children’s term and additional insured term riders, waiver of premium, accidental death, and accelerated benefit riders.

How long has Ohio National been paying dividends on their whole life insurance policies?

Ohio National has been paying dividends on participating whole life insurance policies for over 90 years.

Does Ohio National require a medical exam?

Yes, Ohio National requires a medical exam as part of the application process for life insurance coverage.

Do I have to work with an agent to apply for Ohio National life insurance?

Yes, you will need to work with an agent to apply for Ohio National life insurance coverage.

How does Ohio National’s complaint index compare to other insurance companies?

Ohio National has a very low complaint index, indicating that they receive very few customer complaints compared to other insurance companies.

What are the third-party ratings for Ohio National?

Ohio National is rated A (Excellent) by AM Best and has strong financial ratings from Standard & Poor’s and Moody’s.

When was Ohio National founded?

Ohio National Life Insurance Company was founded in 1909.

What other services does Ohio National offer?

In addition to life insurance, Ohio National also offers disability insurance and retirement plans.

Is Ohio National a reputable insurance company?

Yes, Ohio National is a reputable insurance company with positive customer reviews and strong financial ratings.

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Olivia is a finance expert with years of experience in the industry. She is passionate about helping people make informed decisions about their finances, and her expertise lies in the areas of loans and insurance policies.

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