Life Insurance Portfolio. Foundations for Life. You ll discover real differences with us

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1 Life Insurance Portfolio Foundations for Life You ll discover real differences with us

2 For broker/dealer use only. Information contained in this booklet is not to be used with the general public. All competitive information is believed to be current and accurate as of the dates indicated. All products and riders included are not approved in all states. NOT A DEPOSIT NOT FDIC INSURED NOT GUARANTEED BY ANY BANK NOT INSURED BY ANY GOVERNMENT AGENCY MAY LOSE VALUE

3 Discover real differences with Ohio National: cost, performance and guarantees Look to Ohio National for real product differences, outstanding financial strength, consistent growth and excellent ratings. We can provide you with the foundation needed to bring in new revenues with a product portfolio that will enhance your clients confidence in you. Discover Ohio National s broad individual life insurance portfolio that includes: Universal life insurance Term life insurance Whole life insurance Variable universal life insurance Let us be your company for life! Foundations for Life 1

4 Company strength: solid financials, sales growth and excellent ratings Ohio National has consistently been a solid, wellperforming organization. For all critical elements, we have delivered exceptional performance over the last 23 years B s, C s, pi s Solid Financials Ohio National continues to deliver the financial strength your clients depend on. As of December 31, 2012, our affiliated companies have approximately $34.7 billion of total assets under management Source: S&P website Jan. 10, 2008, and July 19, 2013, including companies rated by public information. Ohio National s financial ratings are very strong and have remained strong. Since the Great Recession, we have maintained our strong financial position, and that strength is one of the factors leading to our very strong sales and recruiting results. Unprecedented Growth Our high-quality focus and commitment to low expenses translate into a competitive portfolio of life insurance products was the 23 rd consecutive year that Ohio National experienced growth in sales for its individual life insurance line of business, a record unequaled in the industry. Industry Ratings Since the early 1990s, Ohio National has been one of the most highly rated companies of it size by A.M. Best, Standard & Poor s and Moody s. These ratings are: * A+ (Superior) from A.M. Best Company (based on balance sheet strength, operating performance and business profile), its second-highest ranking of 16 categories. AA- (Very Strong) from Standard & Poor s (for financial security characteristics), its fourth-highest ranking on a 21-part scale. A1 from Moody's Investors Service (for insurance financial strength), its fifthhighest ranking on a 21-part scale. *These ratings do not refer to the safety or performance of our variable products or their underlying portfolios. All ratings information is according to reports published on: and Ratings are accurate as of 7/19/13. For the most current ratings, see 2 Foundations for Life

5 Insurance and Financial Services Companies Company Financial Comparison Surplus Ratio Expense/ Income 3-Year Growth Total Assets 3-Year Growth Ordinary Life Premiums 3-Year Average Lapse Ratio 5-Year Net Investment Yield 5-Year Total Return on Investments The Ohio National Life Insurance Company 15.80% 2.30% 11.10% 24.80% 8.20% 5.67% 5.70% Ohio National Life Assurance Corporation 11.30% 10.90% 4.70% -5.20% 6.00% 6.20% 5.70% American General Life 11.50% 8.20% 2.10% -2.60% 5.60% 6.01% 3.18% AXA Equitable Life 10.80% 4.70% 4.50% 4.00% 6.00% 5.97% 4.71% Guardian Life 14.30% 13.80% 6.70% 4.30% 5.10% 5.48% 5.52% John Hancock U.S.A. 7.20% 32.30% 3.70% 1.30% 6.00% 5.28% 5.12% Lincoln National Life Insurance Company 8.60% 6.00% 7.90% 10.00% 5.90% 5.34% 4.86% MassMutual 14.10% 6.40% 8.70% 3.90% 5.30% 5.47% 5.75% Metropolitan Life Insurance Company 7.50% 6.90% 7.60% % 2.70% 5.14% 4.96% Midland National 7.90% 3.70% 7.40% 20.10% 6.20% 5.47% 5.47% New York Life 15.20% 10.40% 4.60% 0.90% 6.30% 5.00% 4.94% Northwestern Mutual 10.80% 5.90% 6.40% 4.50% 3.70% 5.53% 5.17% Pacific Life 14.50% 6.80% 2.20% 17.80% 6.30% 5.46% 4.28% Protective Life 13.70% 7.10% 7.30% 7.00% 5.20% 5.58% 5.47% ReliaStar Life - ING 12.20% 24.00% 1.40% % 5.30% 5.09% 4.31% Transamerica Occidental 11.20% 5.50% 1.30% -6.80% 7.00% 4.72% 4.68% Competitor Average 11.39% 10.12% 5.13% 2.26% 5.47% 5.40% 4.89% Data for year end 2012 from the life insurance companies statutory statements. Source: Vital Signs Version Foundations for Life 3

6 Universal life: cost-effective premium solutions and death benefit guarantees Our #1 ranked universal life insurance product provides high value in almost any sales situation. Whether your client wants a low premium or high value, V-Pro UL can be the answer. V-Pro UL V-Pro UL was recently awarded top honors in premium to endow and premium to carry categories in Full Disclosure.* Current Assumption UL premium Comparison This product is a competitive low net-payment policy, which competes exceptionally well in premium-driven markets. However, the same characteristics that provide competitive premiums also provide strong longterm values for clients funding at a higher level, making V-Pro UL effective for executive bonus and deferred compensation. The addition of the Cash Value Accumulation Test has increased the flexibility of V-Pro UL. It now provides exceptional value in the single premium marketplace for clients that want an extended guaranteed death benefit period and the potential for accessing cash value. Company 4 Foundations for Life Policy Male Age 40 Best Class NS $1M Face Amount Minimum Annual Premium to Endow Male Age 40 Best Class NS $1M Face Amount 10-Pay Annual Premium to Carry Male Age 65 Standard NS $1M Face Amount Minimum Annual Premium to Endow Ohio National Life V-Pro UL $5,064 $11,364 $23,955 AIG American General Life Elite UL $7,927 $21,509 $28,639 Ameritas Life Excel Essential UL $5,926 $14,155 $28,142 Aviva Life Aviva LifeStage UL $6,278 $14,842 $29,690 AXA Equitable Athena Universal Life, Series 150 $7,376 $15,339 $26,947 ING ReliaStar Life ING Protector UL (07) $5,631 $12,912 $29,117 John Hancock Life Performance UL 11 $4,801 $9,585 $26,326 Massachusetts Mutual Life Universal Life Navigator $8,473 $20,042 $34,784 MetLife Guarantee Advantage UL $6,952 $15,210 $39,065 Midland National Life UL-DB $5,863 $11,598 $28,367 Pacific Life Versa Flex PRO II $6,548 $14,884 $30,133 Protective Life ProClassic UL $6,779 $14,190 $31,895 Prudential Financial PruLife Universal Plus $7,267 $17,258 $31,596 Transamerica Life TransUltra SP 2006 $8,046 $19,279 $31,203 Competitor Average $6,759 $15,446 $30,454 Source for competitor data: Full Disclosure for Windows 4.1, Universal Life Volume 1, * Full Disclosure for Windows 4.1, Universal Life, Volume 1, 2013, ranks 53 fixed universal life insurance policies in a variety of categories. V-Pro UL was ranked #1 in low premium to endow in six of six non-smoker categories.

7 Current Assumption UL long-term values Male Age 40, Best Class, $250,000 Face Amount, $3,000 Annual Premium, Cash Value Accumulation Test (CVAT) Current Cash Value (Net) cash value and cash flow comparison Current Death Benefit Company Policy Year 10 Year 20 Year 40 Year 40 Ohio National Life V-Pro UL $25,926 $88,209 $329,709 $443,745 AIG American General Life Elite UL $24,352 $66,669 $180,701 $250,000 Ameritas Excel Essential UL $25,616 $77,415 $257,250 $355,005 Aviva Aviva LifeStage UL $22,926 $71,661 $251,200 $263,760 AXA Equitable Athena Universal Life, Series 150 $22,594 $63,893 $165,002 $250,000 ING ReliaStar Life ING Protector UL (07) $25,923 $73,626 $278,436 $375,828 Massachusetts Mutual Life Universal Life Navigator $26,278 $69,491 $215,396 $250,000 MetLife Guarantee Advantage UL $28,482 $76,083 $259,152 $349,463 Midland National Life UL-DB $26,233 $84,577 $335,086 $351,840 New York Life UL Current Performance $26,733 $70,115 $230,881 $318,616 Pacific Life Versa Flex PRO II $20,977 $65,083 $246,281 $329,981 Principal Life UL Flex II $27,263 $78,616 $249,030 $327,723 Protective Life ProClassic UL $23,528 $71,721 $228,205 $301,482 Prudential Financial PruLife Universal Plus $27,006 $74,382 $258,241 $271,154 Competitor Average $25,224 $72,564 $242,682 $307,296 Source for competitor data: Full Disclosure for Windows 4.1, Universal Life Volume 1, Company Policy Male Age 40 Best Class NS, $10,000 Annual Premium Years 1-25, Minimum Increasing DB Switch to Option A at Retirement Current Cash Value (Net) Year 15 Current Cash Value Year 25 Annual Cash Flow Years Ohio National Life V-Pro UL $194,418 $441,502 $31,211 AIG American General Life Elite UL $171,629 $340,727 $15,780 Ameritas Excel Essential UL $192,619 $413,962 $26,144 Aviva Aviva LifeStage UL $188,086 $407,735 $27,169 AXA Equitable Athena Universal Life, Series 150 $166,310 $334,340 $10,542 ING ReliaStar Life ING Protector UL (07) $181,778 $421,021 $30,020 Massachusetts Mutual Life Universal Life Navigator $181,534 $381,391 $22,998 MetLife * Guarantee Advantage UL $202,974 $439,889 $30,831 Midland National Life UL-CV $201,675 $478,128 $36,879 New York Life ** UL Current Performance ** ** ** Pacific Life Versa Flex PRO II $189,350 $421,699 $30,355 Principal Life UL Flex II $187,715 $396,429 $25,626 Protective Life ProClassic UL $180,023 $384,974 $23,203 Prudential Financial PruLife Universal Plus $190,568 $417,053 $27,872 Competitor Average $186,188 $403,112 $25,618 Source for competitor data: Full Disclosure for Windows 4.1, Universal Life Volume 1, **New York Life elected to not submit values for the retirement income survey Foundations for Life 5

8 Term life: competitive premiums and conversion options Our bottom-line rates are competitive across the board. If your clients want more, we deliver it with our Plus products guaranteed conversion rights to any currently offered permanent policy. FlexTerm Series Ohio National offers 10-, 15- and 20- year term products. Your clients can choose from our Plus products that offer expanded conversion options, or our Basic products that have a limited conversion option. Our products feature six underwriting classes, including Super Preferred Nonsmoker and Select Smoker. 10-Year Term 10-year current level premium and conversion period (to age 70). Basic or Plus conversion option. 15-Year Term 15-year current level premium and conversion period (to age 70). Basic or Plus conversion option. 20-Year Term 20-year current level premium and conversion period (to age 70). Basic or Plus conversion option. Recap Term 10-year current level premium with cumulative conversion credits available for five years. Premiums paid can be used as a conversion credit toward the premium of a new permanent policy. Fast and Easy Applications Ohio National can help shorten the term application process. EasyApp Mobile EasyApp Mobile, our online term application process available with term products, lets you obtain quick quotes and apply for term life insurance using your computer, ipad, Android or Kindle Fire. Once you submit the online application, we handle the rest. We ll assign the policy number immediately and arrange for the paramed exam. EasyApp Our EasyApp service uses a thirdparty to gather the data necessary to complete and orchestrate the paramed exam. This reduces the paperwork you complete saving you time! EasyApp also makes the term process easier for your clients, because it reduces duplicate questions. 6 Foundations for Life

9 Company Term Life Insurance 10-year Premium comparison Policy Male Age 40 Best Class NS $1M Face Amount 10-Year Annual Guaranteed Level Premiums Male Age 55 Best Class NS $1M Face Amount 10-Year Annual Guaranteed Level Premiums Ohio National Term 10 $315 $1,495 Ohio National Term 10 Plus $335 $1,555 AIG American General Life Select-a-Term - 10 Year $494 $1,704 AXA Equitable Equitable Term 10 $455 $1,605 Banner Life OPTerm 10 $355 $1,585 Genworth Life Colony Term 10 $360 $1,590 ING Reliastar Life TermSmart 10 $480 $1,650 Lincoln National Life LifeElement SM Level Term $470 $1,600 MetLife Investors Guaranteed Level Term 10 $359 $1,679 Midland National Life Premier CS5-10 Year Term $415 $1,605 Protective Life Custom Choice UL - 10 Year $352 $1,569 Transamerica Life Trendsetter Super 10 $410 $1,670 Competitor Average $415 $1,626 Source: Term4Sale.com as of 10/24/13 Company 20-year Premium comparison Policy Male Age 40 Best Class NS $1M Face Amount 20-Year Annual Guaranteed Level Premiums Male Age 55 Best Class NS $1M Face Amount 20-Year Annual Guaranteed Level Premiums Ohio National Term 20 $625 $2,815 Ohio National Term 20 Plus $655 $2,885 AIG American General Life Select-a-Term 20 Year $664 $2,864 AXA Equitable Equitable Term 10 $705 $2,905 Banner Life OPTerm 20 $645 $2,885 Genworth Life Colony Term UL 20 $640 $2,880 ING Reliastar Life TermSmart 20 $770 $2,990 Lincoln National Life LifeElement SM Level Term $800 $2,880 MetLife Investors Guaranteed Level Term 20 $709 $3,089 Midland National Life Premier Century 2 20 Year Term $715 $2,935 Protective Life Secure-T 20 year $639 $2,856 Transamerica Life TransTerm UL 20 $750 $3,010 Competitor Average $704 $2,929 Source: Term4Sale.com as of 10/24/13 Foundations for Life 7

10 Whole life: solid guarantees and consistent dividends Ohio National s whole life products are your answer to a broad range of sales needs with premium levels and performance that meet the competition head on. Plus, we ve been delivering more to generations of whole life policyholders, paying dividends since Prestige 100 Prestige 100 is the building block, the foundation, of Ohio National s life insurance portfolio. As a base policy, Prestige 100 provides strong long-term values for the client in both cash value and death benefit. Values are delivered through a strong dividend stream that builds both cash and death benefit when used to purchase paid-up additional insurance (PUAs). PUAs not only add to cash value and death benefit, but they are able to generate additional dividends for the policy over time. Prestige Value lll At both high and low face amounts, this product adapts well to your client s personal planning needs by offering the lowest guaranteed premium, best ratio of guaranteed cash value to premium dollar and strongest 10-year net payment in our whole life insurance portfolio. Prestige 10 Pay Prestige 10 Pay is priced near the Modified Endowment Contract (MEC) limit at all ages. The bulk of the higher premium is used to guarantee the 10- year payment structure, with significant values left over for dividends. The end result is a contract that generates high rates of return on cash values in the early years of the policy (years 10-15) and maintains a competitive rate of return in the future. Prestige Max Custom designed for the executive bonus market, Prestige Max is a true paid-up-at-age-65 product.* It maximizes the savings element while providing strategic access to cash through high early dividends and preferred loans. * Prestige Max policies issued at age 56 or later are paid-up in 10 years. Dividends Ohio National s whole life products stand on a tradition of solid performance. Dividends were first paid on our participating whole life policies in 1924, and every year since. Our recent 10-year history shows that we paid 90 percent of projected dividends for a 55-yearold and 80 percent of projected dividends for a 45-year-old, a strong statement in today s challenging interest rate environment. Ohio National uses a non-direct recognition method when calculating its dividend scale. This means that policyholders who take out loans against their policies will not receive a lower dividend than policyholders with policies of the same kind with no outstanding loans. This is an advantage for your clients since reduced dividends can significantly hinder cash value build-up inside the policy. 8 Foundations for Life

11 Whole Life Insurance AGE 35 cash value/db internal rate of return comparison * Annual Premium Male, Age 35, Best Class, $1,000,000 Face Amount Current Cash Value IRR Year 10 Current Cash Value IRR Year 20 Current Cash Value IRR Year 30 Ohio National Prestige 10 Pay $29, % 4.63% 4.97% Guardian Life 10 Pay Whole Life $28, % 4.52% 4.85% Massachusetts Mutual Life Whole Life Legacy 10 Pay $28, % 4.74% 5.29% Metropolitan Life Promise Whole Life Select 10 $29, % 3.88% 4.68% New York Life Custom Whole Life $31, % 4.32% 4.74% Source: Company software believed to be accurate as of 7/31/13. AGE 40 cash value internal rate of return comparison Annual Premium Male, Age 40, Best Class, $250,000 Face Amount Guaranteed Cash Value Year 10 Internal Rate of Return Year 10 Guaranteed Cash Value Year 20 Internal Rate of Return Year 20 Ohio National Prestige Value III $2,882 $26, % $69, % Guardian Life L121 $3,243 $27, % $70, % Massachusetts Mutual Life Whole Life Legacy 100 SM $3,770 $28, % $73, % Metropolitan Life Promise Whole Life 120 $3,150 $27, % $69, % New York Life AD 113 Whole Life $3,705 $33, % $81, % Northwestern Mutual Life Adjustable Comp Life $4,045 $29, % $72, % Source: Full Disclosure for Windows 4.1, Whole Life, 2013, March AGE 45 cash value/db internal rate of return comparison * Annual Premium Male, Age 45, Best Class, $1,000,000 Face Amount Current Cash Value IRR Year 20 Current Cash Value IRR Year 30 Current Death Benefit IRR Year 40 Ohio National Prestige 100 $19, % 4.28% 5.31% Guardian Life L99 $18, % 4.19% 5.26% Massachusetts Mutual Life Whole Life Legacy 100 SM $18, % 4.49% 5.67% Metropolitan Life Promise Whole Life $16, % 3.85% 4.92% New York Life AD 113 Custom Whole Life $18, % 3.17% 4.38% Northwestern Mutual Life Adjustable Comp Life $19, % 3.80% 4.94% Source: Company software believed to be accurate as of 7/31/13. Foundations for Life 9

12 Variable universal life: flexibility and control Our VUL product is designed for clients looking for both life insurance protection and growth potential. It is best suited for individuals willing to think long-term and who believe in the ability of securities to build wealth over time. Virtus VUL Our VUL is designed for strong longterm potential cash accumulation and enhanced cash flow at higher-funding levels. Its low cost of insurance charges and reduced internal charges create a competitive policy at all funding levels and rating classes. Design features of this competitive product include: Declining asset-based risk charges based on cash accumulation within the policy. Preferred loan provision with a low, guaranteed loan rate of 3 percent built into the policy. Dollar-cost averaging for large premium payments. Directed charges from the Fixed Account or Money Market Portfolio. More than 60 available portfolio options. Virtus VUL works extremely well in the non-qualified executive fringe benefit market where premiums can be significant. The product may be well suited for younger clients looking for cost-effective insurance protection and potentially high long-term values. 10 Foundations for Life

13 Company Variable Universal Life Insurance cash value and cash flow comparison Policy Male Male Age Age 40 NS/Best 40 NS/Best $10,000 $10,000 Premium Premium Years Years 1-125, - 25, Minimum Minmum Increasing Increasing DB, DB, Switch Switch to Option to Option A at A Retirement at Retirement Current CV at 8% Year 15 Current CV at 8% Year 25 Annual Cash Flow at 8% Years Ohio National Life Virtus VUL $234,945 $580,512 $51,019 Ameritas Life Excel Performance VUL $224,298 $566,120 $47,724 AXA Equitable Life Incentive Life Optimizer II $223,471 $575,423 $46,162 ING Security Life of Denver ING VUL-CV $240,917 $623,227 $54,148 Lincoln National Life AssetEdge VUL $237,673 $629,664 $56,961 MetLife Investors Equity Advantage VUL $243,132 $620,688 $55,561 Midland National Premier VUL3 $239,187 $629,010 $56,589 New York Life NYL VUL Accumulator $234,915 $592,901 $50,414 Pacific Life Pacific Select VUL $189,589 $528,112 $49,046 Penn Mutual Diversified Growth VUL $235,679 $604,377 $56,484 Protective Life Premiere III $245,754 $624,112 $53,800 Prudential Financial Life PruLife Custom Premier II $237,626 $602,108 $52,228 Competitor Average $232,022 $599,613 $52,647 8% Hypothetical Gross Rate of Return with Current Insurance Charges and Average Fund Expenses Source: Full Disclosure for Windows 4.1, Variable Life Volume 1, 2013 Foundations for Life 11

14 The Total Package: Powerful Contracts & Strong Support Looking for independence and choices? Then take a look at Ohio National s powerful contracts, strong support and outstanding benefits package. (Please note that contract and benefit provisions may vary by distribution channel.) Representatives affiliated with our PPGA and Career sales channels have discovered Ohio National as a company with the opportunity you want and that keeps your needs in mind. Ohio National offers: Powerful Contracts Very competitive commission potential Liberal Vesting Persistency and production bonuses No haircut on proprietary variable life and annuities* All proprietary products drive 1st-year compensation* Accommodates individuals and corporations Subsidized medical plan Awards programs for production and referrals The Profit Partnership Program Share in the company s mortality profits and potentially build up to $1 million and beyond for retirement. Returns have averaged more than 15 percent over the life of the program since 1995.** Voluntary enrollment based on production requirements Tax-deferred account accumulation No sacrifice to first year or renewal commission Strong Support Orientation Support Team targeted training for GAs during the first 100 days FASTeam product sales support, new business, contract status and computer support (toll-free number) STARTeam frontline effort for servicing the business needs of registered representatives of ONESCO Advanced Sales attorneys and CPAs offering tax and legal assistance on business and estate planning cases Underwriting consistent practices and direct access Big Case Team Advanced Sales, Underwriting and Marketing stand ready to help you place your big cases E-ProCalls monthly webcasts on products and sales ideas * Registration with The O.N. Equity Sales Co. (ONESCO) required for variable products to drive or affect compensation. ** The program s stated earnings rate is historical and is not a guarantee of future values or the performance of the Profit Partnership Program. 12 Foundations for Life

15

16 The Ohio National Life Insurance Company Ohio National Life Assurance Corporation One Financial Way Cincinnati, Ohio Telephone: Variable Product Distributor: Ohio National Equities, Inc. Member FINRA One Financial Way Cincinnati, Ohio Telephone: Form 8530 Rev Ohio National Financial Services, Inc. Insurance and annuity products are issued by The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation. Product, product features and rider availability vary by state. Companies are not licensed to conduct business and products are not distributed in Alaska, Hawaii or New York. Guarantees are based upon the claimspaying ability of the issuer. Guarantees do not apply to the investment performance or account value of the underlying variable portfolios within variable products. Dividends are not guaranteed. Variable products are distributed by Ohio National Equities, Inc. Member FINRA. Variable products sold through banks are not obligations of the bank, are not FDIC insured and are subject to investment risk, including the possible loss of principal. Variable products are sold by prospectuses only. All ratings information is according to reports published on: and Ratings are accurate as of 7/19/13. For the most current ratings, see FOR REPRESENTATIVE USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC.

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