Individual Disability Products

Ohio National offers policies to cover all occupational classes (4A, 3A, 2A, A, and B). Issue ages range from 18 to 60, with senior rates available for ages 61-65 on list bill cases:

• Non-Cancelable and guaranteed renewable to age 65 at scheduled rates, and renewable for life at appropriate rates as long as the insured continues to work 30 hours/week or more (4A, 3A, 2A).
• Guaranteed renewable to age 65 or earlier retirement. Rates subject to change by class and state. Renewable to age 75 if the insured continues to work 30 hours/week or more (4A, 3A, 2A, A, B).

Premium payment plans include:

• Non-Cancelable Participating (4A, 3A, 2A)


• Guaranteed Renewable Participating (4A, 3A, 2A)


• Guaranteed Renewable (1A, 1B)


• Yearly Renewable Term (4A, 3A, 2A):

  A premium-paying concept that sets Ohio National apart, The Yearly Renewable Term policy operates just like similarly named life insurance plans. Rates start out up to 30% lower than those of the scheduled premium policy and rise each year, on a guaranteed basis, to age 60. Rates remain level thereafter to 65. The policy is convertible to the scheduled premium plan after year three and before age 60. On conversion, the scheduled rates applicable to newly issued policies of the insured's then current age are discounted using a two-year age setback. YRT is an excellent cash management tool.

  The choice of premium-paying methods should be determined according to client needs.

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