• Moody's reaffirmed Ohio National's "A1" rating for insurance financial strength, its fifth highest ranking on a 21-part scale. (Reaffirmed with stable outlook, July, 2009). Moody's noted the company's "diversified product portfolio, significant amount of low risk reserves, and well managed distribution." Also noted was the "company's long-term strategic focus, partially enabled by its non-public status, has permitted it to steadily grow its position in the whole life insurance market." The report further noted that "capitalization at ONFS's life insurance subsidiaries remains excellent" and "overall, we believe the company's liquidity and ALM (asset/liability management) to be excellent."

A recognized industry leader, Ohio National provides:

• Individual life insurance products designed to meet both individual and business needs, including term, whole life, universal, variable universal and second-to-die life insurance;
• Disability income insurance plans for personal and business markets;
• A full-service subsidiary broker/dealer; and
• Individual (fixed and variable) and group variable annuity products and retirement plan services.

Since its founding in the early 20th century, Ohio National has prospered because of its emphasis on people — finding the right people to manage the company, design new products, and most importantly, sell and service an ever-expanding client base. In the 21st century, the company continues to rely on its people to ensure that it meets the diverse and complex insurance and financial planning challenges that lie ahead. This, and the subsequent units you will study, will serve as a blueprint for the contributions you can make to our next century of growth.