Annuity Product Comparison

Secure Annuity

Issue Ages
0-90

Minimum Payout
$25 per installment

Surrender Charge
Not applicable

Payment Guarantee
Single premium immediate annuities do not have a stated rate of return. The rate of return will depend on the annuitant's age and sex, interest rate, payment mode, annuity option and length of the annuitant's life.

Cost of Living Adjustment
This feature allows the contract owner's income payments to be increased by 1 to 5 percent per year in anticipation of possible future inflation.

Payout Options
Life Annuity — This provides a guaranteed income for as long as the contract owner lives. Nothing is paid after his or her death. It produces the highest periodic payment amounts of all life annuity options.
Life Annuity with Period Certain * — This provides a guaranteed income for the contract owner's life, and if he or she dies within a specified period of time (from 5 to 40 years), payments continue to a selected beneficiary for the remainder of the specified period.
Life Annuity with Installment Refund — This provides a guaranteed income for your client's life, and if he or she dies prior to receiving total payments equal to the cost of his or her benefit, payments will continue to a selected beneficiary until the original cost is recovered.
Period Certain * — This provides a guaranteed income for a selected period of time (from 5 to 40 years), and if your contract owner dies before the end of the selected period, payments continue to a selected beneficiary until the end of the period.
Joint & Survivor Life Annuity — This provides a guaranteed income for the lives of two persons as long as either one is still living. Provisions can be made for continuing payments to a beneficiary if both annuitants die before receiving a specified number of payments. The contract owner can also elect a reduced level of payments after the first annuitant dies. This allows for higher income payments while both annuitants are living.
* The period certain is limited to the IRS Life Expectancy for most tax-qualified plans.

Please follow these procedures for submitting a secure annuity case:

Complete the Annuity Application (Form 6499, Rev. 5/01).

Complete the Federal Withholding Tax Form (Form W4-P).

Complete the State Income Tax Withholding Election Form where applicable.

Submit proof of date of birth (for life options).

Complete Electronic Funds Transfer Agreement (V-4620-ON).

Attach copy of illustration.

Secure Annuities issued by The Ohio National Life Insurance Company. Product, product features and rider availability vary by state. Guarantees based upon the claims-paying ability of the issuer. Company not licensed to conduct business in AK, HI and NY.
For Representative user 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.

	Secure Annuity
Issue Ages	0-90
Minimum Payout	$25 per installment
Surrender Charge	Not applicable
Payment Guarantee	Single premium immediate annuities do not have a stated rate of return. The rate of return will depend on the annuitant's age and sex, interest rate, payment mode, annuity option and length of the annuitant's life.
Cost of Living Adjustment	This feature allows the contract owner's income payments to be increased by 1 to 5 percent per year in anticipation of possible future inflation.
Payout Options	Life Annuity — This provides a guaranteed income for as long as the contract owner lives. Nothing is paid after his or her death. It produces the highest periodic payment amounts of all life annuity options. Life Annuity with Period Certain * — This provides a guaranteed income for the contract owner's life, and if he or she dies within a specified period of time (from 5 to 40 years), payments continue to a selected beneficiary for the remainder of the specified period. Life Annuity with Installment Refund — This provides a guaranteed income for your client's life, and if he or she dies prior to receiving total payments equal to the cost of his or her benefit, payments will continue to a selected beneficiary until the original cost is recovered. Period Certain * — This provides a guaranteed income for a selected period of time (from 5 to 40 years), and if your contract owner dies before the end of the selected period, payments continue to a selected beneficiary until the end of the period. Joint & Survivor Life Annuity — This provides a guaranteed income for the lives of two persons as long as either one is still living. Provisions can be made for continuing payments to a beneficiary if both annuitants die before receiving a specified number of payments. The contract owner can also elect a reduced level of payments after the first annuitant dies. This allows for higher income payments while both annuitants are living. * The period certain is limited to the IRS Life Expectancy for most tax-qualified plans.
Please follow these procedures for submitting a secure annuity case:	Complete the Annuity Application (Form 6499, Rev. 5/01). Complete the Federal Withholding Tax Form (Form W4-P). Complete the State Income Tax Withholding Election Form where applicable. Submit proof of date of birth (for life options). Complete Electronic Funds Transfer Agreement (V-4620-ON). Attach copy of illustration.