Protecting Retirement Income and Assets

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1 ONcore Variable Annuities Protecting Retirement Income and Assets Protect Guarantee retirement income without sacrificing your Plan Accumulate legacy to heirs. Access NOT A DEPOSIT NOT FDIC INSURED NOT GUARANTEED BY ANY BANK NOT INSURED BY ANY GOVERNMENT AGENCY MAY LOSE VALUE

2 Now s the time to prepare for your future. An ONcore variable annuity with an optional Guaranteed Lifetime Withdrawal Benefit Plus (GLWB Plus) Rider guarantees you won t outlive your retirement income, protects against market swings and downturns and offers guaranteed growth opportunities. It also allows you to add one of three optional death benefit riders, ensuring you ll be able to leave a legacy to the people you care about the most. Plan Prepare for your retirement income and legacy needs. Accumulate Guaranteed Rider growth opportunities and portfolios designed to provide consistent returns. Protect Safeguard your investment and guarantee your lifetime income. Access Start or stop taking income when you need it. NOT A DEPOSIT NOT FDIC INSURED NOT GUARANTEED BY ANY BANK MAY LOSE VALUE NOT INSURED BY ANY GOVERNMENT AGENCY Income means: (1) during the accumulation phase, the amount you withdraw from your annuity in a contract year (2) during the Lifetime Annuity Period, the amount you receive in annuity payments each year. Guarantees are based upon the claims-paying ability of The Ohio National Life Insurance Company, and do not apply to the investment performance or account value of the underlying variable portfolios.

3 Protect Your Income Living Benefit Riders Guaranteed Lifetime Withdrawal Benefit Plus (GLWB Plus) Riders Highlights: Single and Joint Life Versions Two Rider versions guarantee income for the rest of your life or your life and the life of your spouse 8% Annual Growth Opportunities Guaranteed 8% increase to the GLWB Rider base each year in which no withdrawals are taken 200% Credit Opportunity Rider base guaranteed to equal double first-year purchase payments if no withdrawals have been taken as of the 10th anniversary Guaranteed Withdrawals Guaranteed ability to withdraw a set percentage of your Rider s withdrawal base each year based on your age 1 at the time of your first withdrawal or following a Step-Up* Ages 59½ % Ages % Ages % Ages % Ages % Guaranteed Principal Protection 8 Feature Ability to restore your to its original amount on the 8th anniversary 2 Portfolios with Volatility Management Strategies Allocate your purchase payments to the MVPs (Managed Volatility Portfolios), which seek to protect against market swings and potentially generate more consistent returns over time *Rider charge may increase upon a Step-Up on or after the third anniversary. Preserve Your Legacy Death Benefit Rider Options You can select a Rider to suit your legacy planning needs: Premium Protection Plus Death Benefit Rider Premium Protection Death Benefit Rider Annual Step-Up Death Benefit Rider Income means: (1) during the accumulation phase, the amount you withdraw from your annuity in a contract year (2) during the Lifetime Annuity Period, the amount you receive in annuity payments each year. 1 Annuitant s age for the single life version or the age of the Youngest Participating Spouse for the joint life version. 2 Guaranteed Principal Amount equals the total of all purchase payments made within the first 6 months of the contract, adjusted pro-rata for withdrawals. If you exercise the Guaranteed Principal Protection 8 feature, the GLWB Plus Rider, and if applicable, the Premium Protection and Premium Protection Plus Death Benefit Riders will immediately terminate. 2

4 GLWB Plus Rider Growth Opportunities $1,500,000 No matter how the markets are performing, the GLWB Plus Riders guarantee your retirement income for life, and offer opportunities to increase it. When you aren t taking withdrawals, credit opportunities allow your GLWB Base to grow, increasing the amount you re able to withdraw when you choose to start taking income. Any market gains will also be locked in on each anniversary. $1,000,000 8% Annual Credits on Withdrawal Base $500,000 $1,500,000 For each of the first 10 years in which you don t take a withdrawal, we ll credit 8% of your original purchase payment to your GLWB Base. With an initial purchase payment of $500,000, that amounts to $40,000 each year. 8% Annual Credit GLWB Base Annual $1,000,000 Age Step-Ups Lock in Gains GLWB Base 8% Annual Growth Step-Up GLWB Base If your is higher than the GLWB with 10.48% Step-Up Exceeds Base on any contract anniversary, your GLWB gross average annual growth (7.67% net) 8% Annual Credit Base will step up to the higher Contract amount, Value locking with 0.00% gross average annual growth (-2.81% net) in your $500,000 gains. You ll also start a new 10-year period for 8% credits. The credits will then be based on and stacked on top of the new, higher GLWB Base. And for the following 10- year period, you will lock in the greater of your or GLWB Base with the 8% credit applied on each anniversary. Age $1,000,000 $1,000,000 GLWB Base 8% 200% Annual of total first-year 200% Deferral Credit Growth Step-Up purchase payments with No Withdrawals with 10.48% gross average annual growth (7.67% net) $800,000 On the 10th anniversary, if Contract you haven t Value taken with 0.00% gross average annual growth (-2.81% net) any withdrawals, your GLWB Base is guaranteed to equal at least double your total first-year $600,000 purchase payments. On top of that, we ll also add in any purchase payments made in years $400, and the 8% credits earned on them. Your GLWB Base will increase to this amount if it s higher than your then-current base. $200,000 GLWB Base 3 Age

5 Accumulate Accumulation Putting it Together: When you aren t taking withdrawals, here s how the GLWB Plus Riders offer Rider base growth and higher income in the future. The GLWB Plus Rider In Action 1,500,000 Step-Up Exceeds 8% Annual Credit 1,000,000 8% Annual Credit $500,000 Annual Credit Equals 8% of Step-Up Age GLWB Base 8% Annual Growth Step-Up with 10.48% gross average annual growth (7.67% net) with 0.00% gross average annual growth (-2.81% net) This hypothetical example is for illustration purposes only and is not representative of any future performance of any particular product. Past performance is no guarantee of future results. Assumes a 63-year-old client invests in an Ohio National ONcore variable annuity and elects a Guaranteed Lifetime Withdrawal Benefit Plus (Single Life) Rider. 4

6 GLWB Plus Rider How Step-Ups* Increase Your Income Once you start taking withdrawals, any Annual Step-Ups you receive will increase your income. Step-Ups Increase the Dollar Amount of Your Withdrawals The percentage you re allowed to withdraw each year from your GLWB Plus Rider is based on your age when you start withdrawals. The longer you wait, the higher the percentage you ll receive. This percentage will never decrease for the rest of your life, assuring you of a guaranteed minimum withdrawal amount. Each time you receive a Step-Up after withdrawals start, your withdrawals will be based on the new, higher GLWB Base, increasing the dollar amount of your withdrawals. 5.25% Withdrawal Step-Up GLWB Base 5.25% Withdrawal: Amount Increases Age Age Withdrawal Percentages Percentages are based on age at first withdrawal or following a Step-Up. For the joint life version, percentages are based on the age of the younger spouse. Income is guaranteed for your lifetime (Single Life) or that of you and your spouse (Joint Life). Ages 59½ % Ages % Ages % Ages % Ages % 5

7 Accumulate Access Step-Ups May Increase Your Withdrawal Percentage Your withdrawal percentage will never decrease, but it can increase. If you receive a Step-Up after entering a higher withdrawal age bracket, you ll be able to withdraw the higher percentage of your Rider Base. This will also increase the dollar amount of your income withdrawals. Ages Ages Ages GLWB Base In this scenario, the Step-Up at age 81 increases your withdrawal percentage to 6.5%. Step-Up 5.25% Withdrawal: Amount Increases In the absence of Step-Ups, your withdrawal percentage remains at 5.25%. Step-Up 6.5% Withdrawal: Percentage Increases 5.25% Withdrawal Age * Rider charge may increase upon a Step-Up on or after the third contract anniversary. Income means: (1) during the accumulation phase, the amount you withdraw from your annuity in a contract year (2) during the Lifetime Annuity Period, the amount you receive in annuity payments each year. This hypothetical example is for illustration purposes only and is not representative of any future performance of any particular product. Past performance is no guarantee of future results. Assumes a 72-year-old client invests in an Ohio National ONcore variable annuity and elects a Guaranteed Lifetime Withdrawal Benefit Plus (Single Life) Rider. 6

8 GLWB Plus Rider Additional Features and Benefits Guaranteed Principal Protection 8 Feature With the GLWB Plus Riders, you have an additional layer of protection from potential market losses. On your 8th anniversary, you have the option to exercise the Guaranteed Principal Protection 8 (GPP8) feature built into your GLWB Plus Rider. This allows you to choose whether you d rather receive the benefits of the GLWB Plus Rider or restore your to its original amount 1. If you exercise the GPP8 feature, your Contract Value will be increased to the Guaranteed Principal Amount, replacing the benefits of the GLWB Plus Rider and, if you added them to your contract, the Premium Protection or Premium Protection Plus Death Benefit Riders 1. The GPP8 feature provides comfort in knowing that if your future needs change you have the flexibility to select the option that best meets your financial situation and protects your personal retirement plan. $1,500,000 Guaranteed Principal Protection 8 Feature In Action On your 8th anniversary, the GPP8 feature can restore your to its original amount. $1,000,000 $500,000 Year Guaranteed Principal Amount 7 1 GPP8 feature restores to Guaranteed Principal Amount, which equals the total of all purchase payments made within the first 6 months of the contract, adjusted pro-rata for withdrawals. If you exercise the Guaranteed Principal Protection 8 feature, the GLWB Plus Rider, and if applicable, the Premium Protection and Premium Protection Plus Death Benefit Riders will immediately terminate.

9 Protect Access Spousal Protection The GLWB Plus Riders can be purchased as protection for the annuitant, or the annuitant and a spouse. The GLWB Plus Rider (Joint Life) is available to two Participating Spouses who are legally married at the time the Rider is added. The two Participating Spouses must be either: 1) joint owners with one being the annuitant, or 2) one Participating Spouse as owner and annuitant with the other being the sole beneficiary. Joint Life Protection With joint protection, you and your spouse will be able to make annual withdrawals up to your allowed annual withdrawal amount, based upon the age of the younger spouse. Upon your death, your spouse will become the sole annuitant, and will be able to continue the contract with the GLWB Plus Rider. The withdrawal base at that time will be equal to the greater of the current or withdrawal base. Your spouse s withdrawals cannot decrease upon spousal continuation with the Joint Life version of the Rider. Also under the GLWB Plus Rider (Joint Life), the Guaranteed Lifetime Withdrawal Amount is based on the age of the youngest Participating Spouse. As a result, if there is a substantial age difference between the two Participating Spouses, there is the possibility of a longer waiting period before withdrawals under the Rider can begin. Single Life Protection If you choose the single life version, your spouse must be the sole beneficiary to continue the contract and Rider. Under the GLWB Plus Rider (Single Life), if you die before you begin taking withdrawals, your spouse s withdrawal base will be equal to the greater of the current or withdrawal base. However, if you die after you have begun taking withdrawals, your spouse s withdrawal base will be equal to the current. If your spouse is less than 59½ at the time of your death, your spouse will be unable to take withdrawals until he or she reaches age 59½. In either situation, your spouse can elect to receive the current death benefit amount instead of continuing the contract and Rider. Required Minimum Distribution (RMD) Withdrawals If your ONcore variable annuity is a qualified investment, it may be necessary to take withdrawals known as RMDs from your variable annuity when you reach age 70½. You ll be able to take your RMD amount based on this contract without negatively affecting your withdrawal base, even if this amount exceeds the amount you d be allowed to withdraw annually under other circumstances. The RMD amount based on this contract will not be calculated until December 31 of each calendar year. As a result, you will not be eligible to receive RMD treatment under this Rider for the calendar year in which the Rider is purchased. Therefore, for that calendar year, any RMDs taken that exceed the Maximum Annual Withdrawal amount under the GLWB Plus Rider for the first contract year would be considered excess withdrawals and negatively affect the GLWB Base. Therefore, if you are required to take an RMD in the current calendar year, you may wish to do so before purchasing this Rider. 8

10 GLWB Plus Rider Managed Volatility Portfolios (MVPs) When you choose a GLWB Plus Rider, your purchase payments are allocated to the Managed Volatility Portfolios (MVPs)*. The MVPs are professionally managed portfolios designed to protect your investment from extreme market swings without sacrificing growth potential. These portfolios are actively monitored and adapt to changing market conditions. Allocations are adjusted accordingly, potentially on a daily basis. Designed to Protect from Market Downturns Because volatility is often a leading indicator of negative market performance, an allocation to the MVPs may help reduce the impact of market downturns. As a result, you may be better positioned for future recovery. Potential for a Higher and Rider Base Over Time The MVPs seek to reduce the severity of market losses, which may increase the power of compounding and potentially result in a higher over time. With a higher, you ll also have greater potential to lock in your gains as a result of GLWB Base Step-Ups, and increase your future retirement income. Seek to Provide More Consistent Returns Over Time The MVPs seek to protect your investments by reducing losses due to extreme market volatility. While market gains may also be reduced, managing downside volatility can result in more consistent, predictable returns over time. The MVPs provide innovation and diversification, with each offering a unique strategy for minimizing volatility and protecting your retirement assets. Your purchase payments are allocated among a broad selection of investment options, thereby lessening the risks associated with individual equities, bonds or other investments*. For more information on the MVPs, please contact your financial adviser. Your adviser can also help you obtain a copy of the MVP Investment Choices guide (Form 9213). *See prospectus for full details and additional information on Investment Requirements. 9

11 Accumulate Protect Accumulation The Importance of Volatility Management: It s no secret that market performance can be difficult to predict. Recovering from a sudden decline could throw your retirement plans off-track. Example: Erik and Charles each invest $100,000 in the market on the same day. Both clients experience two consecutive years of negative market returns, but Erik s losses are less severe than Charles losses. Erik Initial Investment $100,000 Charles Return Percentage Ending Return Percentage Ending Year 1-5% $95,000-15% $85,000 Year 2-10% $85,500-20% $68,000 Return Needed in Year 3 to Restore to $100,000 17% 47% In year 3, Charles needs a return of 47% to restore his to $100,000, while Erik only needs a return of 17%. Reducing loss severity allows for a faster recovery when the market rebounds, as illustrated with Erik in the example above. The MVPs seek to do just that: reduce the severity of losses and allow you to recover more quickly. A faster recovery may offer more opportunities for you to lock in gains as a result of future Step-Ups, increasing your GLWB Base and lifetime income. Income means: (1) during the accumulation phase, the amount you withdraw from your annuity in a contract year (2) during the Lifetime Annuity Period, the amount you receive in annuity payments each year. This hypothetical example is for illustration purposes only and is not representative of any future performance of any particular product. Past performance is no guarantee of future results. 10

12 Optional Death Benefit Riders Preserve Your Legacy In conjunction with a GLWB Plus Rider, Ohio National offers three death benefit riders that will guarantee retirement income for life without sacrificing the legacy you re able to leave your beneficiaries. Premium Protection Plus Death Benefit Rider The Premium Protection Plus Death Benefit Rider is available when you purchase a GLWB Plus Rider and provides an initial death benefit equal to your initial purchase payment. This amount will increase for each additional purchase payment you make. 7th Anniversary On the 7th anniversary, if your is higher than your then-current death benefit, the death benefit will automatically step up to lock in your market gains, increasing the legacy for your heirs. Age 85 Beginning on the anniversary following your 85th birthday, withdrawals allowed under your GLWB Plus Rider will reduce your death benefit on a dollar-for-dollar basis. Guaranteed Minimum Death Benefit Prior to age 85, withdrawals allowed under your GLWB Plus Rider will not reduce your death benefit. As long as you don t take any excess withdrawals, your death benefit amount won t be decreased, regardless of having taken withdrawals 1. Age Premium Protection Plus Death Benefit Base Death Benefit Step-Up Annual Withdrawals Cumulative Withdrawals Income means: (1) during the accumulation phase, the amount you withdraw from your annuity in a contract year (2) during the Lifetime Annuity Period, the amount you receive in annuity payments each year The Premium Protection Plus Rider will terminate if the is reduced to $0 prior to age 95. Excess withdrawals taken at any point will reduce the death benefit by the greater of a pro-rata reduction or the dollar amount of the excess withdrawal.

13 Protect Protect Joint Life Protection In addition to guaranteeing lifetime income for both you and your spouse, the combination of the Joint Life versions of the GLWB Plus and Premium Protection Plus Riders can help maintain your. This offers greater potential for you to leave a more substantial legacy to your beneficiaries. Upon your death, your spouse may continue the contract with the Riders, and if your then-current death benefit exceeds your, we ll raise your to the higher amount. When your spouse dies, we ll repeat the process, and your beneficiaries will receive the greater of your or the Premium Protection Plus death benefit at that time. $300,000 $200,000 $100,000 $0 Age Upon Death of Annuitant increases to death benefit amount Upon Death of Spouse Death Benefit to Beneficiaries 74 Premium Protection Plus Death Benefit Base Annual Withdrawals Premium Protection Death Benefit Rider The Premium Protection Death Benefit Rider provides a death benefit equal to total purchase payments, reduced dollar-for-dollar for withdrawals allowed under a GLWB Plus Rider. With the Premium Protection Rider, you re guaranteed that you ll never receive less than your total purchase payments via a combination of GLWB Plus Rider withdrawals and a death benefit to your beneficiaries. Even if your falls to $0, any remaining death benefit will still be paid to your beneficiaries. Annual Step-Up Death Benefit Rider The Annual Step-Up Death Benefit Rider provides for a death benefit equal to total purchase payments adjusted for withdrawals. On each anniversary, the Rider steps up to the, if higher, to lock in market gains. This Rider stops accumulating on the contract anniversary following the Annuitant s 85th birthday. Hypothetical examples are for illustration purposes only and are not representative of any future performance of any particular product. Past performance is no guarantee of future results. Assumes a 72-year-old client invests in an Ohio National ONcore variable annuity and elects a Guaranteed Lifetime Withdrawal Benefit Plus (Single Life) Rider and a Premium Protection Plus Rider. 12

14 Guaranteed Lifetime Withdrawal Benefit Plus (GLWB Plus) Riders Cost Single Life: 0.95% (2.00% maximum charge) of the Guaranteed Lifetime Withdrawal Benefit Base at contract anniversary Joint Life: 1.25% (2.50% maximum charge) of the Guaranteed Lifetime Withdrawal Benefit Base at contract anniversary Premium Protection Plus Death Benefit Rider Cost 0.45% (0.90% maximum charge) of the GLWB Death Benefit Amount at contract anniversary Premium Protection Death Benefit Rider Cost Issue ages 0 70: 0.10% of the GLWB Death Benefit Amount at contract anniversary Issue ages 71 75: 0.25% of the GLWB Death Benefit Amount at contract anniversary Annual Step-Up Death Benefit Rider Cost 0.25% of the Annual Step-Up Death Benefit Amount at contract anniversary Riders at a Glance Availability Single Life: Through Annuitant issue age 85. Joint Life: Issue ages 0 85 for both Participating Spouses. Riders available at issue only and may not be dropped. Only one death benefit rider may be purchased in conjunction with a GLWB Plus Rider. Availability Through Annuitant issue age 70. Available at issue only and in conjunction with a GLWB Plus Rider only. May not be dropped. Only one death benefit rider may be purchased in conjunction with a GLWB Plus Rider. Availability Available at issue only and in conjunction with a GLWB Plus Rider only. May not be dropped. Only one death benefit Rider may be purchased in conjunction with a GLWB Plus Rider. Availability Through Annuitant issue age 75. Available at issue only and may be dropped on any contract anniversary. May be purchased if a GLWB Plus Rider is chosen, but may not be purchased in conjunction with either the Premium Protection or Premium Protection Plus Death Benefit Rider. Industry Ratings Reaffirmed and Unchanged Since 1991 Ohio National has received high marks for financial strength and claims-paying ability from major rating agencies; however, such ratings do not refer to the performance of our variable accounts nor imply approval of our variable contracts or their portfolios. Standard & Poor s: AA A. M. Best A+ Very Strong, for financial security characteristics; its third-highest ranking on a 21-part scale Superior, based on balance sheet strength, operating performance and business profile; second-highest ranking of 16 categories 13 All ratings information is according to reports published on: and Moody s A1 For insurance financial strength; its fifth-highest ranking on a 21-part scale

15 Plan Accumulate Protect Access Plan An ONcore variable annuity with the GLWB Plus Rider may help you prepare for retirement. Accumulate With the GLWB Plus Rider, you have guaranteed growth opportunities and can lock in any market gains. The MVPs seek to limit extreme market swings which may provide more consistent returns. Protect The GLWB Plus Rider guarantees income for life, and optional Death Benefit Riders can guarantee you ll be able to leave a legacy to loved ones. Access You have the flexibility to start and stop withdrawals when you choose with the GLWB Plus Riders. Want to know more? Discuss your specific retirement needs with your Financial Adviser today.

16 This material must be accompanied by an ONcore Variable Annuities Contract Features brochure. This material is intended to be a summary of the Guaranteed Lifetime Withdrawal Benefit Plus Riders available with an ONcore variable annuity. It is not comprehensive. This brochure must be preceded or accompanied by prospectuses and the ONcore Variable Annuity Sales Brochure (Form 9201). Variable annuities are sold by prospectuses, which contain more complete information including fees, surrender charges and other costs that may apply. Contact your registered representative or visit to obtain current prospectuses. Please read the product and fund prospectuses carefully before you invest or send money. Investors should consider the investment objectives, strategies, risk factors and charges and expenses of the underlying variable portfolios carefully before investing. The fund prospectus contains this and other information about the underlying variable portfolios. Early withdrawals or surrenders may be subject to surrender charges (contingent deferred sales charges). Withdrawals are also subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. For tax purposes only, withdrawals will come first from any gain in the contract. Federal and state tax laws in this area are complex and subject to change. Consult your personal tax adviser on all tax matters. Withdrawals may reduce the death benefit, cash surrender value and any living benefit amount. Guarantees based upon the claims-paying ability of The Ohio National Life Insurance Company. Guarantees do not apply to the investment performance or account value of the underlying variable portfolios. Variable annuities are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. Upon retirement, variable annuities may pay out an income stream of a series of payments or a lump sum. If you die during the accumulation or payout phase, your beneficiary may be eligible to receive any remaining. Product, product features and rider availability vary by state. Issuer not licensed to conduct business and products not distributed in AK, HI or NY. There is no additional tax-deferral benefit for contracts purchased in an IRA or other tax-qualified plan because these are already afforded tax-deferred status. An annuity should only be purchased in an IRA or qualified plan if you value some of the other features of the annuity and are willing to incur any additional costs associated with the annuity. The GLWB Base is used solely for the purpose of calculating GLWB payments. It does not provide a or guarantee performance of any investment option. If there is a substantial age difference between the two participating spouses, you should carefully consider whether the Joint Life GLWB Plus Rider is an appropriate choice due to higher Rider fees for the Joint Life version of the Rider and the possibility of a longer waiting period before withdrawals under the Rider can begin. Please note that legally married same-sex couples and civil union partners may encounter adverse tax consequences as a result of withdrawals or other transactions upon the death of the first spouse or partner. Consult with your tax adviser before purchasing this Rider, especially the joint life version, which may be inappropriate and/or unavailable for legally married same-sex couples or civil union partners. Investment Requirements apply under the GLWB Plus Riders. See prospectus for details. The entire ONcore Variable Annuities product line (without optional added benefits) ranges from 0.65% to 1.80%. Product availability varies by broker/dealer. See individual product prospectuses for specific per-product fees. Issuer: The Ohio National Life Insurance Company One Financial Way Cincinnati, Ohio Telephone: Distributor: Ohio National Equities, Inc. Member FINRA One Financial Way Cincinnati, Ohio Telephone: Form Ohio National Financial Services, Inc. NOT A DEPOSIT NOT FDIC INSURED NOT GUARANTEED BY ANY BANK NOT INSURED BY ANY GOVERNMENT AGENCY MAY LOSE VALUE

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