Annuity Product Comparison

While complete information on our annuity products is in their marketing materials, you may find the following comparison helpful in distinguishing between the products in our portfolio.

The ONCORE Series of Variable Annuities

Product Highlights Premier Value Xtra Lite

Product Highlights
Feature Rich
Low M & E
4% Extra Credit on Any New Contributions
Short (3-Yr) Surrender Charge Period

Purchase Payments
$5,000 minimum ($2,000 IRA) qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase payment amount of $5 million. For ages 81 through 85, amounts in excess of $1.5 million require prior company approval.
$10,000 minimum, qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase payment amount of $5 million. For ages 81 through 85, amounts in excess of $1.5 million require prior company approval.
$5,000 minimum ($2,000 IRA); qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase amount of $5 million.
$5,000 minimum ($2,000 IRA); qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase payment amount of $5 million. For ages 81 through 85, amounts in excess of $1.5 million require prior company approval.

Guaranteed Minimum Interest Rate (Fixed Account)
2% Most States
2% Most States
2% Most States
1.5% Most States

Guaranteed Principal Access (GPA) Rider
Annual Cost: GPA 8: 50 bps; GPA 7: 40 bps of the contract value at the contract anniversary. Rate may be higher at reset. Issued through age 80. May be added or dropped at contract anniversary. Guarantees annual withdrawal amounts equal or up to 7% or 8%, depending upon the option chosen (GPA 7 or GPA 8), of the original purchase payment and any additional purchase payments made within the first six months of the contract date for 10 years. May be reset on or after the fifth rider anniversary. If the rider is reset or added after issue, guarantees withdrawal based on the then current contract value. Must invest in one Ibbotson Asset Allocation Model and/or Fixed Account (if available). May not be used concurrently with the GPP Rider or GMIB Rider. Not available with contracts funding retirement plans qualified under Section 401 or 403(b) of the Internal Revenue Code.

Guaranteed Minimum Income Benefit (GMIB) Rider
Annual Cost: 55 bps of guaranteed income base at contract anniversary. Purchase payments accumulate at 6% annual rate for issue ages 75 and under (4% ages 76-80). Accumulation ends at age 85; Step-Up ends at contract anniversary preceding age 85. Guarantees minimum, lifetime fixed income in monthly annuity payments from the annuitants guaranteed income base using the annuitization rates in the rider. Payments are based on the grater of total purchase payments accumulated at an annual rate or highest total contract anniversary date value, adjusted dollar-for-dollar for withdrawals up to 6% of GEIB. Rider must be held for 10 years to receive benefit at annuitization. Payments received within 3 months of contract will be included in guaranteed earnings income base. May be added at anniversary; cannot be dropped. May not be used concurrently with GPA Rider. Not available with contracts funding retirement plans qualified under Section 401 or 403(b) of the Internal Revenue Code.

Guaranteed Principal Protection (GPP) Rider
Annual Cost: 20 bps (25 for ONCORE Lite) of the GPA base at contract anniversary. Rate may be higher upon reset. May be added or dropped at contract anniversary. Guarantees return of initial purchase payments plus additional purchase payments made within six months of contract date. May be reset on or after fifth rider anniversary. If rider is reset or added after issue, guarantees return of the then current contract value. Any guaranteed amount is adjusted pro-rata for withdrawals. Must invest in one Ibbotson Asset Model and/or Fixed Account (if available). May not be used concurrently with the GPA Rider.

6% Guaranteed Minimum Death Benefit Rider 85 (GMDBR85)
Accumulates purchase payments at 6% with no cap on rider benefit, adjusted for withdrawals. Issued through age 75. Stops accumulating at contract anniversary after annuitant's 85th birthday. Annual Cost: 45 bps of the guaranteed minimum death benefit amount. Can be added at issue only; can be dropped.

6% Guaranteed Minimum Death Benefit Rider 80 (GMDBR80)
Accumulates purchase payments at 6% guaranteed up to two times purchase payments, adjusted for withdrawals. Issued through attained age 75. Stops accumulating at contract anniversary after annuitant's 80th birthday. Annual Cost: 25 bps of the guaranteed minimum death benefit amount. Can be added at issue only; can be dropped.

ONCORE Variable Annuities issued by The Ohio National Life Insurance Company. Product, product features and rider availability vary by state. Guarantees are based upon the claims-paying ability of the issuer. Guarantees do not apply to the account value or investment performance of the underlying variable portfolios. Variable products distributed by Ohio National Equities, Inc. Member NASD/SIPC. Issuer not licensed to conduct business in AK, HI and NY.
ONCORE Variable Annuities can only be sold by Registered Representatives.
For Broker/Dealer Use Only. Not for use with the general public.

Ohio National is not affiliated with, nor does it endorse or sponsor, any particular prospecting, marketing or selling system.

Product Highlights	Premier	Value	Xtra	Lite
Product Highlights	Feature Rich	Low M & E	4% Extra Credit on Any New Contributions	Short (3-Yr) Surrender Charge Period
Purchase Payments	$5,000 minimum ($2,000 IRA) qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase payment amount of $5 million. For ages 81 through 85, amounts in excess of $1.5 million require prior company approval.	$10,000 minimum, qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase payment amount of $5 million. For ages 81 through 85, amounts in excess of $1.5 million require prior company approval.	$5,000 minimum ($2,000 IRA); qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase amount of $5 million.	$5,000 minimum ($2,000 IRA); qualified and non-qualified; $500 add-on; $300 for qualified plans and $100 bank draft. Single premium in Oregon. Maximum purchase payment amount of $5 million. For ages 81 through 85, amounts in excess of $1.5 million require prior company approval.
Guaranteed Minimum Interest Rate (Fixed Account)	2% Most States	2% Most States	2% Most States	1.5% Most States
Guaranteed Principal Access (GPA) Rider	Annual Cost: GPA 8: 50 bps; GPA 7: 40 bps of the contract value at the contract anniversary. Rate may be higher at reset. Issued through age 80. May be added or dropped at contract anniversary. Guarantees annual withdrawal amounts equal or up to 7% or 8%, depending upon the option chosen (GPA 7 or GPA 8), of the original purchase payment and any additional purchase payments made within the first six months of the contract date for 10 years. May be reset on or after the fifth rider anniversary. If the rider is reset or added after issue, guarantees withdrawal based on the then current contract value. Must invest in one Ibbotson Asset Allocation Model and/or Fixed Account (if available). May not be used concurrently with the GPP Rider or GMIB Rider. Not available with contracts funding retirement plans qualified under Section 401 or 403(b) of the Internal Revenue Code.
Guaranteed Minimum Income Benefit (GMIB) Rider	Annual Cost: 55 bps of guaranteed income base at contract anniversary. Purchase payments accumulate at 6% annual rate for issue ages 75 and under (4% ages 76-80). Accumulation ends at age 85; Step-Up ends at contract anniversary preceding age 85. Guarantees minimum, lifetime fixed income in monthly annuity payments from the annuitants guaranteed income base using the annuitization rates in the rider. Payments are based on the grater of total purchase payments accumulated at an annual rate or highest total contract anniversary date value, adjusted dollar-for-dollar for withdrawals up to 6% of GEIB. Rider must be held for 10 years to receive benefit at annuitization. Payments received within 3 months of contract will be included in guaranteed earnings income base. May be added at anniversary; cannot be dropped. May not be used concurrently with GPA Rider. Not available with contracts funding retirement plans qualified under Section 401 or 403(b) of the Internal Revenue Code.
Guaranteed Principal Protection (GPP) Rider	Annual Cost: 20 bps (25 for ONCORE Lite) of the GPA base at contract anniversary. Rate may be higher upon reset. May be added or dropped at contract anniversary. Guarantees return of initial purchase payments plus additional purchase payments made within six months of contract date. May be reset on or after fifth rider anniversary. If rider is reset or added after issue, guarantees return of the then current contract value. Any guaranteed amount is adjusted pro-rata for withdrawals. Must invest in one Ibbotson Asset Model and/or Fixed Account (if available). May not be used concurrently with the GPA Rider.
6% Guaranteed Minimum Death Benefit Rider 85 (GMDBR85)	Accumulates purchase payments at 6% with no cap on rider benefit, adjusted for withdrawals. Issued through age 75. Stops accumulating at contract anniversary after annuitant's 85th birthday. Annual Cost: 45 bps of the guaranteed minimum death benefit amount. Can be added at issue only; can be dropped.
6% Guaranteed Minimum Death Benefit Rider 80 (GMDBR80)	Accumulates purchase payments at 6% guaranteed up to two times purchase payments, adjusted for withdrawals. Issued through attained age 75. Stops accumulating at contract anniversary after annuitant's 80th birthday. Annual Cost: 25 bps of the guaranteed minimum death benefit amount. Can be added at issue only; can be dropped.