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The early years under Bettinger established another important facet of the company's persona — community service. Albert Bettinger cared deeply about his community. He was a member of the local Board of Education, and President of the Cincinnati Bar Association. However, his most enduring civic activity was his effort on behalf of the Ohio River lock and dam system. There is a 25-foot obelisk overlooking the Ohio River in Cincinnati's Eden Park. Three sides of it tell of the river's history. The fourth is a tribute to Albert Bettinger for his vision and commitment to improving river transportation.

Following World War I, Ohio National prospered, developing a strong sales force and penetrating new territories. The company used its strong actuarial resources to broaden its product offerings. Although the basic insurance product, whole life, had not changed appreciably in 50 years, improved actuarial studies, and health and demographic information, enabled the company to develop new, innovative approaches and expand benefits.

The company also continued the personnel standards set by Albert Bettinger when he hired Troy Appleby. There was a determined effort to hire marketing experts and knowledgeable professionals. The company set up its own school to train company personnel. Troy Appleby, who had taught mathematics, took a personal interest in shaping the program so that it reflected the highest standards of professionalism.