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Ohio National Life Insurance Review

Here’s our Ohio National Life Insurance Review for you. To apply for coverage, call Ohio National Life Insurance at 800-366-6654. Monday through Friday, the customer care department is open from 8:30 a.m. to 5:00 p.m. ET.

Pros and Cons of Ohio National Life Insurance

Ohio National Life Insurance Review - Ohio National Life Insurance Logo


  • Allowing for a high degree of personalization.
  • The entire process of managing an account takes place online.
  • Obtaining the potential payout of a dividend.
  • The process of filing a claim went quite well.
  • A person’s ability to pay off debt


  • Loan applicants will have to meet stricter standards.
  • At this point in time, there are no quotes available on the internet.
  • Credit card payments will not be accepted.
  • New Yorkers will have to search elsewhere for a solution.

What types of life insurance coverage does Ohio National offer?

Ohio National offers both long-term and short-term life insurance.

  • Term life insurance. Life insurance policies offered by Ohio National range in term length from 10 to 20 years. Flex Term Basic gives the most basic protection choices, whereas Flex Term Plus includes a conversion feature. Before the deadline, a temporary policy might be amended.
  • Whole life insurance. The insurance offers five different whole life policies, each with its own payment schedule. For the first 10 or 20 years of your coverage, you can pay off your premiums with 10 Pay or 20 Pay. Finally, Prestige Max III allows you to continue paying premiums until you reach the age of 65, or until you’ve held the policy for ten years.
  • Universal life insurance. With the Ohio National V-Pro UL, universal life insurance has never been easier. As long as you’re alive, you’ll be protected by the insurance company, and you’ll be collecting interest at a certain rate. As a result, you have full control over the amount and frequency of your premium payments, as well.
  • Variable universal life insurance. The cash worth of your portfolio’s assets is what determines the value of your Virtus VL hybrid insurance policy. Returns are not guaranteed, and the value of your investment may rise or fall. To invest in this product, which may only be obtained through a prospectus, you must have a high degree of risk tolerance as well as prior financial competence.
  • Indexed universal life insurance. Like other types of permanent insurance, Virtus Indexed Universal Life builds cash value as well as coverage for the rest of your life. Cash value is tied to an index, such as the S&P 500, which increases the risk and return.

Are there any other riders that I may include in my policy?

There are a number of possibilities for adding riders to plans offered by the insurance company. Riders such as these may be included in your insurance policy:

  • Rider for increased death benefit. It is possible to get some of your death benefit in the event of a terminal illness.
  • Riders who are under the age of 18. If your child dies, you’ll receive a small death benefit. As long as your children are under the age of 25 or have been married when the rider expires, they can be covered.
  • Life-threatening disease compensates the rider. There is a one-time payment if you are diagnosed with a chronic or severe illness.
  • Rider that ensures you’ll be covered by insurance. You may receive more insurance without having to establish that you’re insurable since you don’t have to prove your risk.
  • Rider waiving the right to a higher price. There are no premiums due if you become incapacitated and are unable to work.

Ohio National life insurance reviews and complaints

A+ rating for customer service and interactions despite the fact that Ohio National is not accredited by the Better Business Bureau (BBB). The BBB has received no customer complaints or feedback as of October 2020.

This resulted in a complaint ratio of 0.51 for the insurance business. Ohio National receives less complaints than the industry average, with a median ratio of 1.

For another insurance review, visit our review of Northwestern Mutual Life Insurance Review.

Discover How Much YOU Can Save on Life Insurance

Our customers save as much as 35% compared to traditional life insurance offers…

Compare Quotes →

Avatar photo About the author: David Krug is the CEO/President of PolicyPeak, a modern and tech-driven life insurance company. David noticed a gap in the market for personalized policies at an affordable price. He founded PolicyPeak in 2022 with the goal of simplifying the buying process for consumers and offering policies tailored to their unique needs.