Policy Riders
This rider accelerates a portion of the death benefit if the insured is defined as terminally ill under the rider.
Accelerated Benefit Rider (ABR)
I am a high premium, high cash flow product.
Prestige Max II
is an annually renewable term life insurance policy. The premium rates are fully guaranteed and increases on an annual basis.
YRT Plus II
In the event of total disability of the insured, the rider credits a stipulated premium in an amount purchased. A waiver amount equal to, or exceeding, the no-lapse premium is encouraged to maintain the chosen death benefit guarantee in force.
Waiver of Premium for Total Disability (WPD) Rider
I may be ideal for clients who want a retirement income they can't outlive or a guaranteed income that is not affected by changing interest rates or market fluctuations.
Secure Annuity
This rider provides a supplemental death benefit if the insured's death results directly from accidental bodily injury.
Accidental Death Benefit (ADB) Rider
I endow at age 100, while maintaining a maturity to age 121, providing a better cash flow when solving for age 121 maturity.
Prestige Max II
Policies (Term 10 Plus, Term 15 Plus, Term 20 Plus) allow conversion to any permanent life insurance product available at the time of conversion.
Expanded Term
This rider provides specified term death benefits for children of the primary insured up to the amount of $1,000 for every $5,000 of the base death benefit.
Family Term Rider
You can use me to show the premium outlay and the cash value growth of my policy.
What is an Illustration?
This rider is available upon request with no annual rider charge. Exercise of the rider results in a charge against the remaining death benefit of the policy. The charge is typically not more than 5-10% of the death benefit prior to the exercise of the rider.
Lifetime Advantage Rider (LAR)
I'm an ideal fit for premium-sensitive prospects as it is one of the lowest premium participating whole life products in the marketplace today.
Prestige Value III
I retain the hallmark of one of Ohio National's traditional life products. I am an insurance policy that can provide both a strong death benefit and effective account value growth within the policy.
Virtus IUL
A child may convert his or her coverage to any available permanent policy issued by Ohio National. The new policy's face amount may be up to five times the coverage amount of the rider, but no more than $50,000.
Family Term Rider
You can use to submit applications electronically.
What is E-app
While this rider is in force, the policy may be exchanged for a new whole life insurance policy on a new insured. The new insured must be underwritten, and all existing riders will be canceled, although riders may be added to the new policy subject to insurability and availability.
Business Exchange Rider
When combined with various riders, I can be modified to a lower premium policy (using the Plus rider), a cash accumulation oriented policy (API rider) or even a non-guaranteed short pay policy.
Prestige 100
I am the permanent conversion product for Ohio National’s “basic” term life insurance products. It is an ideal fit when there is a need for higher early cash value or for small face amounts on juvenile sales.
Virtus Basic
This rider allows the client to purchase additional insurance and reduces policy surrender charges on a pro rata basis, improving early surrender values.
Additional Coverage Rider
This policy is designed to provide income payments to individuals working in occupations such as a skilled technician, on-site supervisor, manual laborer and certain unskilled trades.
Individual Guaranteed Renewable DI
This rider guarantees the insured's right to buy additional coverage at prescribed points in the future without providing evidence of insurability. It is not available on rated insureds and is available only at issue.
Guaranteed Insurability Option (GIO) Rider
With its short payment structure, I am ideal for your clients uninterested in relying on future dividends to pay policy premiums.
Prestige 10 Pay
My low premium structure makes it the best choice for a guaranteed death benefit, giving your clients security in planning for the future.
Prestige Value III
This Rider allows the policyholder to adjust their premium payments up and down during the life of the policy according to the following guidelines:
FLEXIBLE PREMIUM API RIDER
I provide money to assist in the purchase of a disabled owner's interest in a business in the event of a long-term disability.
Disability Buy-Sell